TOTAL APPLICATIONS 28/ CONVENTIONAL 925 2 116 2 425 FHA 2 2 9 VA 4 3 FSA/RHS 1 LOANS ORIGINATED CONVENTIONAL 506 1 81 1 263 FHA VA FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL 75 5 1 36 FHA VA 1 FSA/RHS APPLICATIONS DENIED CONVENTIONAL 232 1 17 62 FHA 2 2 6 VA 1 1 FSA/RHS APPLICATIONS WITHDRAWN CONVENTIONAL 90 12 58 FHA 3 VA 1 2 FSA/RHS 1 FILES CLOSED FOR INCOMPLETENESS CONVENTIONAL 22 1 6 FHA VA 1 FSA/RHS PREAPPROVALS DENIED CONVENTIONAL NA NA NA NA NA FHA NA NA NA NA NA VA NA NA NA NA NA FSA/RHS NA NA NA NA NA PREAPPROVALS APPROVED BUT NOT ACCEPTED 29/ CONVENTIONAL NA NA NA NA NA FHA NA NA NA NA NA VA NA NA NA NA NA FSA/RHS NA NA NA NA NA Report Date: 06/21/2016 DISCLOSURE SUMMARY TABLE A1W: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2015 INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS LOAN TYPE Page 1 of 2 FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN HOME PURCHASE REFINANCE HOME IMPROVEMENT
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DISCLOSURE SUMMARY TABLE A1W: DISPOSITION …...2016/11/03 · FHA, FSA/RHS & VA Conventional Refinancings Home Improvement Loans Loans on Dwellings For 5 or More Families Nonoccupant
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TOTAL APPLICATIONS 28/
CONVENTIONAL 925 2 116 2425
FHA 2 29
VA 43
FSA/RHS 1
LOANS ORIGINATED
CONVENTIONAL 506 1 81 1263
FHA
VA
FSA/RHS
APPLICATIONS APPROVED BUT NOT ACCEPTED
CONVENTIONAL 75 5 136
FHA
VA 1
FSA/RHS
APPLICATIONS DENIED
CONVENTIONAL 232 1 1762
FHA 2 26
VA 11
FSA/RHS
APPLICATIONS WITHDRAWN
CONVENTIONAL 90 1258
FHA 3
VA 12
FSA/RHS 1
FILES CLOSED FOR INCOMPLETENESS
CONVENTIONAL 22 16
FHA
VA 1
FSA/RHS
PREAPPROVALS DENIED
CONVENTIONAL NA NA NA NA NA
FHA NA NA NA NA NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
PREAPPROVALS APPROVED BUT NOT ACCEPTED 29/
CONVENTIONAL NA NA NA NA NA
FHA NA NA NA NA NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
Report Date: 06/21/2016
DISCLOSURE SUMMARY TABLE A1W: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS
LOAN TYPE
Page 1 of 2
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
MEMO ITEM: SUBSET OF LOANS ORIGINATED
PREAPPROVALS RESULTING IN ORIGINATIONS
CONVENTIONAL NA NA NA NA NA
FHA NA NA NA NA NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
LOANS SOLD
CONVENTIONAL 325 58175
FHA
VA
FSA/RHS
Report Date: 06/21/2016
DISCLOSURE SUMMARY TABLE A1W: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS
LOAN TYPE
Page 2 of 2
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
TOTAL APPLICATIONS 28/
CONVENTIONAL 59 524
FHA 1
VA 1
FSA/RHS
LOANS ORIGINATED
CONVENTIONAL 20 314
FHA
VA
FSA/RHS
APPLICATIONS APPROVED BUT NOT ACCEPTED
CONVENTIONAL 3
FHA
VA
FSA/RHS
APPLICATIONS DENIED
CONVENTIONAL 28 27
FHA
VA 1
FSA/RHS
APPLICATIONS WITHDRAWN
CONVENTIONAL 62
FHA 1
VA
FSA/RHS
FILES CLOSED FOR INCOMPLETENESS
CONVENTIONAL 21
FHA
VA
FSA/RHS
PREAPPROVALS DENIED
CONVENTIONAL NA NA NA NA NA
FHA NA NA NA NA NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
PREAPPROVALS APPROVED BUT NOT ACCEPTED 29/
CONVENTIONAL NA NA NA NA NA
FHA NA NA NA NA NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
Report Date: 06/21/2016
DISCLOSURE SUMMARY TABLE A2W: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOMES, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS
LOAN TYPE
Page 1 of 2
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
MEMO ITEM: SUBSET OF LOANS ORIGINATED
PREAPPROVALS RESULTING IN ORIGINATIONS
CONVENTIONAL NA NA NA NA NA
FHA NA NA NA NA NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
LOANS SOLD
CONVENTIONAL 13 15
FHA
VA
FSA/RHS
Report Date: 06/21/2016
DISCLOSURE SUMMARY TABLE A2W: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOMES, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS
LOAN TYPE
Page 2 of 2
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
TOTAL APPLICATIONS 28/
CONVENTIONAL 13 515
FHA
VA
FSA/RHS
LOANS ORIGINATED
CONVENTIONAL 4 39
FHA
VA
FSA/RHS
APPLICATIONS APPROVED BUT NOT ACCEPTED
CONVENTIONAL 1
FHA
VA
FSA/RHS
APPLICATIONS DENIED
CONVENTIONAL 6 23
FHA
VA
FSA/RHS
APPLICATIONS WITHDRAWN
CONVENTIONAL 31
FHA
VA
FSA/RHS
FILES CLOSED FOR INCOMPLETENESS
CONVENTIONAL 1
FHA
VA
FSA/RHS
MEMO ITEM: SUBSET OF LOANS ORIGINATED
LOANS SOLD
CONVENTIONAL
FHA
VA
FSA/RHS
Report Date: 06/21/2016
DISCLOSURE SUMMARY TABLE A3W: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY HOUSING, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS
LOAN TYPE
Page 1 of 1
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
1- TO 4-FAMILY OWNER OCCUPIED DWELLINGS (EXCLUDES MANUFACTURED HOMES)
INCIDENCE OF PRICING
NO PRICING REPORTED 15/ 369 63169 NA
PRICING REPORTED 7 32 NA
MEAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)
1.70 1.711.78 NA
MEDIAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)
1.65 1.801.78 NA
HOEPA STATUS
HOEPA LOAN 17/ NA
NOT HOEPA LOAN 376 66171 NA
MANUFACTURED HOME OWNER OCCUPIED DWELLINGS
INCIDENCE OF PRICING
NO PRICING REPORTED 15/ 15 26 NA
PRICING REPORTED 3 16 NA
MEAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)
1.94 1.641.94 NA
MEDIAN (POINTS ABOVE AVERAGE PRIME OFFERRATE: ONLY INCLUDES LOANS WITH APR ABOVETHE THRESHOLD 16/)
1.96 1.641.87 NA
HOEPA STATUS
HOEPA LOAN 17/ NA
NOT HOEPA LOAN 18 312 NA
Report Date: 06/21/2016
DISCLOSURE SUMMARY TABLE BW: LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK INSTITUTION'S NATIONWIDE TOTALS
PRICING INFORMATION
Page 1 of 1
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
CA/KERN COUNTY/0001.01
LOANS ORIGINATED 1 1112 112
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0006.00
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 1250
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0009.04
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 188
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0017.00
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 434
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0018.01
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN 1 165
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0019.02
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 179 79
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
06/21/2016Report Date:
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 12540 - BAKERSFIELD, CA
Page 1 of 4
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
CA/KERN COUNTY/0028.17
LOANS ORIGINATED 1 1252 252
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0031.21
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN 1 275
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0032.02
LOANS ORIGINATED 1 220
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0032.04
LOANS ORIGINATED 1 160
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 500
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0038.03
LOANS ORIGINATED 1 552
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0038.07
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 215
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
06/21/2016Report Date:
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 12540 - BAKERSFIELD, CA
Page 2 of 4
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
CA/KERN COUNTY/0038.09
LOANS ORIGINATED 2 837
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
CA/KERN COUNTY/0052.01
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED 1 640
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
MSA/MD(TOTAL)
LOANS ORIGINATED 3 3 1 2916 997 220 364
APPS APPROVED, NOT ACCEPTED
APPS DENIED 5 2 11622 1684 79
APPS WITHDRAWN 11 275 165
FILES CLOSED FOR INCOMPLETENESS
INVALID GEOGRAPHIC IDENTIFIERS 2/
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
SECTION 2 - PROPERTY NOT LOCATED IN MSA/MDS WHERE INSTITUTION HAS HOME OR BRANCH OFFICES
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 12540 - BAKERSFIELD, CA
Page 3 of 4
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
INVALID MSA/MD NUMBERS 2/
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
06/21/2016Report Date:
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 12540 - BAKERSFIELD, CA
Page 4 of 4
DISPOSITION OF APPLICATIONS
FHA, FSA/RHS & VA ConventionalRefinancings Home Improvement
Loans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1 160
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1 220
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 160
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 1 220
MINORITY STATUS 8/
WHITE NON-HISPANIC 1 160
OTHERS, INCLUDING HISPANIC
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 2 380
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 160
80-100% MINORITY 1 220
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 220
UPPER INCOME 1 160
TOTAL 14/ 2 380
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
2
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 12540 - BAKERSFIELD, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
380
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 12540 - BAKERSFIELD, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 275 275
MALE 11 275 275
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 275 275
MALE 11 275 275
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 275 275
MALE 11 275 275
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 275 275
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 275 275
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 552 552
MALE 11 552 552
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 165 165
MALE
FEMALE 11 165 165
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 22 364 364
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 12 717 552 165
MALE 11 552 552
FEMALE 11 165 165
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 22 364 364
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 165 165
MALE
FEMALE 11 165 165
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 552 552
MALE 11 552 552
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 11 165 165
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 552 552
INCOME NOT AVAILABLE 6/ 22 364 364
TOTAL 14/ 3 14 1081 916 165
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL) 11 500 500
MALE
FEMALE 11 500 500
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 3 47 2119 997 1122
MALE 33 482 482
FEMALE
JOINT (MALE/FEMALE) 3 14 1637 997 640
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 79 79
MALE 11 79 79
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 3 47 2540 997 1543
MALE 22 403 403
FEMALE 11 500 500
JOINT (MALE/FEMALE) 3 14 1637 997 640
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 3 36 2040 997 1043
MALE 22 403 403
FEMALE
JOINT (MALE/FEMALE) 3 14 1637 997 640
OTHERS, INCLUDING HISPANIC (TOTAL) 22 579 579
MALE 11 79 79
FEMALE 11 500 500
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 215 215
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 3 47 2404 997 1407
INCOME NOT AVAILABLE 6/
TOTAL 14/ 3 58 2619 997 1622
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 220 220
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 220 220
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 220 220
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 220 220
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 1250 1250
MALE
FEMALE
JOINT (MALE/FEMALE) 11 1250 1250
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 434 434
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 1250 1250
MALE
FEMALE
JOINT (MALE/FEMALE) 11 1250 1250
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 22 1684 1684
TOTAL 14/ 22 1684 1684
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 79 79
MALE 11 79 79
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 22 364 364
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 79 79
MALE 11 79 79
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 22 364 364
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 79 79
MALE 11 79 79
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 79 79
INCOME NOT AVAILABLE 6/ 22 364 364
TOTAL 14/ 2 13 443 364 79
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 275 275
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 275 275
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 275 275
11 275 275TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 165 165
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 165 165
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 165 165
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 552 552
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 552 552
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 552 552
3 14 1081 916 165TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 215 215
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 215 215
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 215 215
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN 11 500 500
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 36 1904 997 907
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 79 79
NOT HISPANIC OR LATINO 3 36 2325 997 1328
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 25 1825 997 828
OTHERS, INCLUDING HISPANIC 22 579 579
3 58 2619 997 1622TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 220 220
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 220 220
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
11 220 220TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 79 79
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 79 79
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 79 79
2 13 443 364 79TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 275 275
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 275 275
MIDDLE INCOME
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 275 275
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 275 275TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 22 664 664
50-79% MINORITY 1 12 417 252 165
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 252 252
MIDDLE INCOME 11 165 165
UPPER INCOME 22 664 664
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 252 252
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 165 165
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 22 664 664
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
3 14 1081 916 165TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 640 640
20-49% MINORITY 2 13 1052 837 215
50-79% MINORITY 1 34 927 160 767
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 22 719 719
MIDDLE INCOME
UPPER INCOME 3 36 1900 997 903
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 640 640
20-49% MINORITY
50-79% MINORITY 11 79 79
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 2 13 1052 837 215
50-79% MINORITY 1 23 848 160 688
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
3 58 2619 997 1622TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 220 220
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 11 220 220
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 220 220
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 220 220TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 434 434
50-79% MINORITY 11 1250 1250
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 11 1250 1250
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 11 434 434
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 1250 1250
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 434 434
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
22 1684 1684TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 112 112
50-79% MINORITY 1 12 331 252 79
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 1 12 331 252 79
MIDDLE INCOME
UPPER INCOME 11 112 112
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 331 252 79
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 112 112
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 13 443 364 79TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 1
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 552
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 552
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 552
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 552
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 552
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 552
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 552
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1 12 1.58 1.58
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 1.58 1.58
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 1.58 1.58
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 12 1.58 1.58
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 1.58 1.58
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 11 1.58 1.58
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 1 12 1.58 1.58
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 156 156841 1.58 1.58
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 156 156841 1.58 1.58
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 156 156841 1.58 1.58
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 156 156841 1.58 1.58
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 156 156841 1.58 1.58
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 156 156681 1.58 1.58
50-79% MINORITY 160
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 156 156841 1.58 1.58
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 1
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/ 1
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 1
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 220
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 220
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 220
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/ 220
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 220
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 220
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 12540 - BAKERSFIELD, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 17020 - CHICO, CA
Page 9 of 10
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
INVALID MSA/MD NUMBERS 2/
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
06/21/2016Report Date:
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 17020 - CHICO, CA
Page 10 of 10
DISPOSITION OF APPLICATIONS
FHA, FSA/RHS & VA ConventionalRefinancings Home Improvement
Loans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 3 587
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 10614 2109 21789
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 2 466
RACE NOT AVAILABLE 6/ 1 81
ETHNICITY 7/
HISPANIC OR LATINO 4 618
NOT HISPANIC OR LATINO 10414 2109 21537
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
3 687
ETHNICITY NOT AVAILABLE 6/ 1 81
MINORITY STATUS 8/
WHITE NON-HISPANIC 9914 2109 20484
OTHERS, INCLUDING HISPANIC 12 2358
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 21 60 186
50-79% OF MSA/MD MEDIAN 212 230 2806
80-99% OF MSA/MD MEDIAN 131 210 2106
100-119% OF MSA/MD MEDIAN 82 265 1730
120% OR MORE OF MSA/MD MEDIAN 679 1425 16014
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 647 1122 13056
20-49% MINORITY 478 1068 9786
50-79% MINORITY
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME 1 186
MODERATE INCOME 133 311 2970
MIDDLE INCOME 456 812 8080
UPPER INCOME 526 1067 11606
TOTAL 14/ 11115 2190 22842
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
11115
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 17020 - CHICO, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
228422190
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 17020 - CHICO, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 226 226
MALE 11 226 226
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL) 11 100 100
MALE
FEMALE
JOINT (MALE/FEMALE) 11 100 100
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 22 326 326
MALE 11 226 226
FEMALE
JOINT (MALE/FEMALE) 11 100 100
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 226 226
MALE 11 226 226
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 100 100
MALE
FEMALE
JOINT (MALE/FEMALE) 11 100 100
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 226 226
80-99% OF MSA/MD MEDIAN 11 100 100
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
TOTAL 14/ 22 326 326
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 1 1 13 489 257 137 95
MALE 1 12 232 137 95
FEMALE
JOINT (MALE/FEMALE) 11 257 257
NOT HISPANIC OR LATINO (TOTAL) 58 16 14 1199 21900 13732 3293 2634 2241
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 1 1 13 534 213 96 225
MALE 11 213 213
FEMALE
JOINT (MALE/FEMALE) 1 12 321 96 225
BLACK OR AFRICAN AMERICAN (TOTAL) 1 12 251 126 125
RACE NOT AVAILABLE (TOTAL) 6/ 8 2 1 213 4570 3013 1016 275 266
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 420 151 269
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 17 1 1 524 3802 2834 163 45 760
MALE 3 1 26 1050 515 45 490
FEMALE 3 1 26 529 221 163 145
JOINT (MALE/FEMALE) 11 112 2223 2098 125
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 120 120
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 2 13 225 183 42
MALE 11 130 130
FEMALE 1 12 95 53 42
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 14 1 1 420 3337 2411 163 45 718
MALE 2 1 25 920 385 45 490
FEMALE 2 1 14 434 168 163 103
JOINT (MALE/FEMALE) 10 111 1983 1858 125
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
OTHERS, INCLUDING HISPANIC (TOTAL) 3 14 465 423 42
MALE 11 130 130
FEMALE 1 12 95 53 42
JOINT (MALE/FEMALE) 11 240 240
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 1 13 147 60 45 42
50-79% OF MSA/MD MEDIAN 4 26 773 545 228
80-99% OF MSA/MD MEDIAN 4 15 590 340 250
100-119% OF MSA/MD MEDIAN 4 15 1068 905 163
120% OR MORE OF MSA/MD MEDIAN 4 15 1224 984 240
INCOME NOT AVAILABLE 6/ 11 120 120
TOTAL 14/ 18 1 1 525 3922 2954 163 45 760
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 3 1 15 4785 1760 525 2500
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 3 1 15 4785 1760 525 2500
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 3 1 15 4785 1760 525 2500
TOTAL 14/ 3 1 15 4785 1760 525 2500
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
RACE NOT AVAILABLE (TOTAL) 6/ 8 2 111 6632 5400 957 275
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 32 9 10 455 10102 6007 1703 1796 596
120% OR MORE OF MSA/MD MEDIAN 27 8 9 145 8436 5259 1488 1553 136
INCOME NOT AVAILABLE 6/ 8 2 1 112 6909 5400 957 275 277
TOTAL 14/ 40 11 13 468 17041 11407 2660 2378 596
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 95 95
MALE 11 95 95
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 7 14 3 125 3090 876 1617 491 106
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 298 203 95
MALE 11 95 95
FEMALE
JOINT (MALE/FEMALE) 11 203 203
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 23 164 64 100
50-79% OF MSA/MD MEDIAN 3 1 26 703 331 125 247
80-99% OF MSA/MD MEDIAN 1 23 239 99 140
100-119% OF MSA/MD MEDIAN 1 12 265 62 203
120% OR MORE OF MSA/MD MEDIAN 2 9 1 113 2017 382 1393 136 106
INCOME NOT AVAILABLE 6/ 11 760 760
TOTAL 14/ 8 15 4 128 4148 1636 1820 586 106
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 226 226
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 226 226
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 226 226
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 100 100
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 100 100
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 100 100
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
22 326 326TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 23 262 64 198
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 23 262 64 198
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 23 262 64 198
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 1 13 618 198 210 210
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 7 1 19 1373 1194 139 40
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 8 2 1 112 1991 1392 349 210 40
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 210 210
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 40 10 10 565 16589 11064 2194 2068 1263
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 607 607
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 257 257
NOT HISPANIC OR LATINO 39 11 9 564 16726 11095 2404 1964 1263
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 1 13 147 60 45 42
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 42 42
NOT HISPANIC OR LATINO 1 12 105 60 45
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 105 60 45
OTHERS, INCLUDING HISPANIC 11 42 42
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 26 773 545 228
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 130 130
NOT HISPANIC OR LATINO 3 25 643 415 228
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 25 643 415 228
OTHERS, INCLUDING HISPANIC 11 130 130
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 15 590 340 250
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 53 53
NOT HISPANIC OR LATINO 3 14 537 287 250
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 537 287 250
OTHERS, INCLUDING HISPANIC 11 53 53
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 15 1068 905 163
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 4 15 1068 905 163
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 4 15 1068 905 163
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 15 1224 984 240
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 3 14 984 744 240
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 240 240
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 984 744 240
OTHERS, INCLUDING HISPANIC 11 240 240
18 1 1 525 3922 2954 163 45 760TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 13 426 386 40
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 13 426 386 40
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 2 13 426 386 40
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 22 306 306
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 26 6 9 142 7920 5049 1182 1553 136
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 210 210
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 27 8 7 143 8129 5259 1488 1246 136
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 23 164 64 100
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 23 164 64 100
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 23 164 64 100
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 23 239 99 140
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 23 239 99 140
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 23 239 99 140
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 265 62 203
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 265 62 203
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 265 62 203
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 9 1 113 2017 382 1393 136 106
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 8 1 112 1814 382 1190 136 106
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 22 326 326
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 11 100 100
UPPER INCOME 11 226 226
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 100 100
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 226 226
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
22 326 326TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 9 211 1747 1580 167
20-49% MINORITY 9 1 1 314 2175 1374 163 45 593
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 3 14 792 552 240
MIDDLE INCOME 7 1 1 312 1465 862 163 45 395
UPPER INCOME 8 19 1665 1540 125
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 3 14 792 552 240
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 4 15 545 503 42
20-49% MINORITY 3 1 1 27 920 359 163 45 353
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 5 16 1202 1077 125
20-49% MINORITY 33 463 463
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
18 1 1 525 3922 2954 163 45 760TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 22 1400 1400
20-49% MINORITY 1 1 13 3385 360 525 2500
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 11 2500 2500
MODERATE INCOME 11 360 360
MIDDLE INCOME 1 12 1725 1200 525
UPPER INCOME 11 200 200
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 2500 2500
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 360 360
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 1200 1200
20-49% MINORITY 11 525 525
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 200 200
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
3 1 15 4785 1760 525 2500TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 4 8 2 115 1993 581 1075 231 106
20-49% MINORITY 4 7 213 2155 1055 745 355
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 2 3 16 1363 824 387 152
MIDDLE INCOME 3 8 2 114 1498 330 723 339 106
UPPER INCOME 3 4 18 1287 482 710 95
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 2 3 16 1363 824 387 152
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 4 1 17 706 99 365 136 106
20-49% MINORITY 2 4 17 792 231 358 203
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 3 4 18 1287 482 710 95
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
8 15 4 128 4148 1636 1820 586 106TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 2
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 40
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 41
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 38
OTHERS, INCLUDING HISPANIC 5
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 7
80-99% OF MSA/MD MEDIAN 7
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN 28
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 10
FEMALE 7
JOINT (MALE/FEMALE) 26
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 29
20-49% MINORITY 14
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 1
MODERATE INCOME 5
MIDDLE INCOME 14
UPPER INCOME 23
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 374
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 10282
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 607
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 257
NOT HISPANIC OR LATINO 10687
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
319
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 9706
OTHERS, INCLUDING HISPANIC 1557
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 892
80-99% OF MSA/MD MEDIAN 1242
100-119% OF MSA/MD MEDIAN 130
120% OR MORE OF MSA/MD MEDIAN 8999
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 1857
FEMALE 1698
JOINT (MALE/FEMALE) 7708
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 7856
20-49% MINORITY 3407
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 186
MODERATE INCOME 1081
MIDDLE INCOME 2811
UPPER INCOME 7185
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 80
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1
RACE NOT AVAILABLE 6/ 3
ETHNICITY 7/HISPANIC OR LATINO 3
NOT HISPANIC OR LATINO 77
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
2
ETHNICITY NOT AVAILABLE 6/ 3
MINORITY STATUS 8/WHITE NON-HISPANIC 75
OTHERS, INCLUDING HISPANIC 7
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 3
50-79% OF MSA/MD MEDIAN 14
80-99% OF MSA/MD MEDIAN 7
100-119% OF MSA/MD MEDIAN 6
120% OR MORE OF MSA/MD MEDIAN 55
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 12
FEMALE 20
JOINT (MALE/FEMALE) 51
GENDER NOT AVAILABLE 6/ 2
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 50
20-49% MINORITY 35
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 9
MIDDLE INCOME 33
UPPER INCOME 43
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 213
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 18193
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 256
RACE NOT AVAILABLE 6/ 432
ETHNICITY 7/HISPANIC OR LATINO 301
NOT HISPANIC OR LATINO 17993
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
368
ETHNICITY NOT AVAILABLE 6/ 432
MINORITY STATUS 8/WHITE NON-HISPANIC 17524
OTHERS, INCLUDING HISPANIC 1138
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 254
50-79% OF MSA/MD MEDIAN 1926
80-99% OF MSA/MD MEDIAN 1255
100-119% OF MSA/MD MEDIAN 882
120% OR MORE OF MSA/MD MEDIAN 14777
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 2732
FEMALE 2750
JOINT (MALE/FEMALE) 13331
GENDER NOT AVAILABLE 6/ 281
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 12386
20-49% MINORITY 6708
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1917
MIDDLE INCOME 6073
UPPER INCOME 11104
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1 116 1.51 1.51
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 2
NOT HISPANIC OR LATINO 14
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1 1 1.51 1.51
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 14
OTHERS, INCLUDING HISPANIC 1 12 1.51 1.51
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 1
50-79% OF MSA/MD MEDIAN 4
80-99% OF MSA/MD MEDIAN 4
100-119% OF MSA/MD MEDIAN 4
120% OR MORE OF MSA/MD MEDIAN 1 13 1.51 1.51
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 3
FEMALE 3
JOINT (MALE/FEMALE) 1 110 1.51 1.51
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 1 17 1.51 1.51
20-49% MINORITY 9
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 3
MIDDLE INCOME 6
UPPER INCOME 1 17 1.51 1.51
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 240 2402594 1.51 1.51
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 183
NOT HISPANIC OR LATINO 2411
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
240 240 1.51 1.51
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 2411
OTHERS, INCLUDING HISPANIC 240 240183 1.51 1.51
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 60
50-79% OF MSA/MD MEDIAN 545
80-99% OF MSA/MD MEDIAN 340
100-119% OF MSA/MD MEDIAN 905
120% OR MORE OF MSA/MD MEDIAN 240 240744 1.51 1.51
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 515
FEMALE 221
JOINT (MALE/FEMALE) 240 2401858 1.51 1.51
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 240 2401220 1.51 1.51
20-49% MINORITY 1374
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 552
MIDDLE INCOME 742
UPPER INCOME 240 2401300 1.51 1.51
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 1 12 119 64 55
50-79% OF MSA/MD MEDIAN 2 24 406 159 247
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 23 617 256 361
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1 1 13 250 100 55 95
FEMALE 2 1 14 576 320 104 152
JOINT (MALE/FEMALE) 1 12 316 59 257
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 2 3 16 867 356 416 95
20-49% MINORITY 2 13 275 123 152
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1 12 216 64 152
MIDDLE INCOME 1 23 218 59 159
UPPER INCOME 2 1 14 708 356 257 95
Report Date: 06/21/2016
DISCLOSURE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIEDDWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
MINORITY STATUS 8/WHITE NON-HISPANIC 3 2 11 1.87 1.87
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 1 1 2.02 2.02
50-79% OF MSA/MD MEDIAN 1 11 1.87 1.87
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 1 1.71 1.71
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1 1 1.87 1.87
FEMALE 2 1 1 1.87 1.87
JOINT (MALE/FEMALE) 1
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 2 2 1.79 1.79
20-49% MINORITY 1 11 2.02 2.02
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1 1 2.02 2.02
MIDDLE INCOME 1
UPPER INCOME 2 2 1.79 1.79
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
6 OR MORE
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 420 356 6459 1.80 1.71
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 420 356 6459 1.80 1.71
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 420 356 6459 1.80 1.71
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 64 64 2.02 2.02
50-79% OF MSA/MD MEDIAN 100 10059 1.87 1.87
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 256 256 1.71 1.71
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 100 100 1.87 1.87
FEMALE 320 256 64 1.77 1.71
JOINT (MALE/FEMALE) 59
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 356 356 1.75 1.71
20-49% MINORITY 64 6459 2.02 2.02
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 64 64 2.02 2.02
MIDDLE INCOME 59
UPPER INCOME 356 356 1.75 1.71
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 17020 - CHICO, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 23420 - FRESNO, CA
Page 6 of 6
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 259
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 51 124 681
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 2 432
ETHNICITY 7/
HISPANIC OR LATINO 1 117
NOT HISPANIC OR LATINO 42 383 564
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 2 432
MINORITY STATUS 8/
WHITE NON-HISPANIC 41 124 564
OTHERS, INCLUDING HISPANIC 11 259 117
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 95
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 2 248
100-119% OF MSA/MD MEDIAN 1 117
120% OR MORE OF MSA/MD MEDIAN 32 383 653
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 42 383 654
50-79% MINORITY 2 342
80-100% MINORITY 1 117
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME 1 117
MIDDLE INCOME 31 124 429
UPPER INCOME 31 259 567
TOTAL 14/ 72 383 1113
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
72
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 23420 - FRESNO, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
1113383
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 23420 - FRESNO, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 173 173
MALE
FEMALE
JOINT (MALE/FEMALE) 11 173 173
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 173 173
MALE
FEMALE
JOINT (MALE/FEMALE) 11 173 173
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 173 173
MALE
FEMALE
JOINT (MALE/FEMALE) 11 173 173
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 173 173
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 173 173
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
RACE NOT AVAILABLE (TOTAL) 6/ 1 1 13 574 88 96 390
MALE
FEMALE
JOINT (MALE/FEMALE) 11 88 88
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 117 117
MALE 11 117 117
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 4 1 1 17 964 553 140 131 140
MALE 11 124 124
FEMALE 22 222 222
JOINT (MALE/FEMALE) 1 1 1 14 618 207 140 131 140
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
11 960 960
MALE
FEMALE
JOINT (MALE/FEMALE) 11 960 960
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 1 1 13 574 88 96 390
120% OR MORE OF MSA/MD MEDIAN 4 1 27 1996 1379 96 521
INCOME NOT AVAILABLE 6/
TOTAL 14/ 7 2 2 112 2615 1718 236 521 140
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 33 1034 1034
MALE
FEMALE
JOINT (MALE/FEMALE) 33 1034 1034
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 3 4 18 1412 315 1043 54
MALE 11 104 104
FEMALE
JOINT (MALE/FEMALE) 3 3 17 1308 315 939 54
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 2 5 18 3705 432 3127 146
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 716 121 595
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 77 77
MALE
FEMALE
JOINT (MALE/FEMALE) 11 77 77
NOT HISPANIC OR LATINO (TOTAL) 6 3 110 2369 1349 966 54
MALE 11 104 104
FEMALE
JOINT (MALE/FEMALE) 6 2 19 2265 1349 862 54
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 2 5 18 3705 432 3127 146
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 716 121 595
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 3 3 17 1335 315 966 54
MALE 11 104 104
FEMALE
JOINT (MALE/FEMALE) 3 2 16 1231 315 862 54
OTHERS, INCLUDING HISPANIC (TOTAL) 3 14 1111 1034 77
MALE
FEMALE
JOINT (MALE/FEMALE) 3 14 1111 1034 77
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1 12 359 121 238
100-119% OF MSA/MD MEDIAN 11 182 182
120% OR MORE OF MSA/MD MEDIAN 7 7 1 116 5610 1660 3750 54 146
INCOME NOT AVAILABLE 6/
TOTAL 14/ 8 9 1 119 6151 1781 4170 54 146
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL) 11 885 885
MALE
FEMALE
JOINT (MALE/FEMALE) 11 885 885
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 135 135
MALE
FEMALE
JOINT (MALE/FEMALE) 11 135 135
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 22 336 336
MALE
FEMALE
JOINT (MALE/FEMALE) 11 176 176
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 22 1020 1020
MALE
FEMALE
JOINT (MALE/FEMALE) 22 1020 1020
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 22 336 336
MALE
FEMALE
JOINT (MALE/FEMALE) 11 176 176
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 135 135
MALE
FEMALE
JOINT (MALE/FEMALE) 11 135 135
OTHERS, INCLUDING HISPANIC (TOTAL) 11 885 885
MALE
FEMALE
JOINT (MALE/FEMALE) 11 885 885
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 160 160
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 2 13 1196 1020 176
INCOME NOT AVAILABLE 6/
TOTAL 14/ 2 24 1356 1020 336
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 12 827 572 255
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 827 572 255
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 617 617
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 255 255
MALE
FEMALE
JOINT (MALE/FEMALE) 11 255 255
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 22 1189 1189
MALE
FEMALE
JOINT (MALE/FEMALE) 11 572 572
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 255 255
MALE
FEMALE
JOINT (MALE/FEMALE) 11 255 255
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 2 13 1444 1189 255
TOTAL 14/ 2 13 1444 1189 255
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 425 425
MALE
FEMALE
JOINT (MALE/FEMALE) 11 425 425
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 5 2 18 809 574 181 54
MALE 1 12 228 124 104
FEMALE
JOINT (MALE/FEMALE) 4 1 16 581 450 77 54
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 1 1 13 344 88 96 160
MALE
FEMALE
JOINT (MALE/FEMALE) 11 88 88
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 77 77
MALE
FEMALE
JOINT (MALE/FEMALE) 11 77 77
NOT HISPANIC OR LATINO (TOTAL) 6 1 18 1157 999 104 54
MALE 1 12 228 124 104
FEMALE
JOINT (MALE/FEMALE) 5 16 929 875 54
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 1 1 13 344 88 96 160
MALE
FEMALE
JOINT (MALE/FEMALE) 11 88 88
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 5 1 17 732 574 104 54
MALE 1 12 228 124 104
FEMALE
JOINT (MALE/FEMALE) 4 15 504 450 54
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 502 425 77
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 502 425 77
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 160 160
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 7 1 2 111 1418 1087 96 181 54
INCOME NOT AVAILABLE 6/
TOTAL 14/ 7 1 3 112 1578 1087 96 341 54
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 173 173
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 173 173
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 173 173
OTHERS, INCLUDING HISPANIC
11 173 173TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 95 95
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 95 95
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 95 95
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 14 1422 1291 131
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1 1 13 574 88 96 390
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 13 462 331 131
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 960 960
ETHNICITY NOT AVAILABLE 6/ 1 1 13 574 88 96 390
MINORITY STATUS 8/WHITE NON-HISPANIC 2 13 462 331 131
OTHERS, INCLUDING HISPANIC 11 960 960
7 2 2 112 2615 1718 236 521 140TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1 12 359 121 238
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 1 12 359 121 238
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 182 182
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 182 182
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 182 182
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 33 1034 1034
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 3 17 1230 315 861 54
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1 4 16 3346 311 2889 146
ETHNICITY 7/HISPANIC OR LATINO 11 77 77
NOT HISPANIC OR LATINO 6 2 19 2187 1349 784 54
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 1 4 16 3346 311 2889 146
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 160 160
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 160 160
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN 11 885 885
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 135 135
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 176 176
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 22 1020 1020
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 176 176
MINORITY STATUS 8/WHITE NON-HISPANIC 11 135 135
OTHERS, INCLUDING HISPANIC 11 885 885
2 24 1356 1020 336TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 160 160
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 160 160
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 173 173
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 11 173 173
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 173 173
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 173 173TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 4 15 1446 1306 140
50-79% MINORITY 1 2 25 964 207 236 521
80-100% MINORITY 22 205 205
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 2 24 441 205 236
MIDDLE INCOME 4 1 16 824 553 131 140
UPPER INCOME 1 12 1350 960 390
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 22 236 236
80-100% MINORITY 22 205 205
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 3 14 486 346 140
50-79% MINORITY 1 12 338 207 131
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 960 960
50-79% MINORITY 11 390 390
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
7 2 2 112 2615 1718 236 521 140TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 4 48 2912 1041 1871
50-79% MINORITY 1 45 2647 425 2222
80-100% MINORITY 3 1 1 16 592 315 77 54 146
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 22 189 189
MODERATE INCOME 1 2 14 361 126 181 54
MIDDLE INCOME 1 3 15 1161 425 590 146
UPPER INCOME 4 48 4440 1041 3399
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 22 189 189
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 104 104
80-100% MINORITY 1 1 13 257 126 77 54
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 182 182
50-79% MINORITY 1 23 833 425 408
80-100% MINORITY 11 146 146
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 4 37 2730 1041 1689
50-79% MINORITY 11 1710 1710
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
8 9 1 119 6151 1781 4170 54 146TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 885 885
50-79% MINORITY 11 135 135
80-100% MINORITY 22 336 336
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 160 160
MIDDLE INCOME 11 176 176
UPPER INCOME 22 1020 1020
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 160 160
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 176 176
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 885 885
50-79% MINORITY 11 135 135
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 24 1356 1020 336TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 22 1189 1189
80-100% MINORITY 11 255 255
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 11 255 255
MODERATE INCOME 11 572 572
MIDDLE INCOME 11 617 617
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 255 255
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 572 572
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 617 617
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 13 1444 1189 255TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 124 124
50-79% MINORITY 2 1 14 760 560 96 104
80-100% MINORITY 4 2 17 694 403 237 54
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 22 189 189
MODERATE INCOME 2 1 3 17 705 214 96 341 54
MIDDLE INCOME 22 549 549
UPPER INCOME 11 135 135
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 22 189 189
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 200 96 104
80-100% MINORITY 2 2 15 505 214 237 54
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 124 124
50-79% MINORITY 11 425 425
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 135 135
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
7 1 3 112 1578 1087 96 341 54TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 5
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 3
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 3
OTHERS, INCLUDING HISPANIC 2
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN 2
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 1
FEMALE 2
JOINT (MALE/FEMALE) 2
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 3
50-79% MINORITY 1
80-100% MINORITY 1
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 1
MIDDLE INCOME 3
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1506
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 117
NOT HISPANIC OR LATINO 429
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
960
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 429
OTHERS, INCLUDING HISPANIC 1077
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 95
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 127
100-119% OF MSA/MD MEDIAN 117
120% OR MORE OF MSA/MD MEDIAN 1167
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 117
FEMALE 222
JOINT (MALE/FEMALE) 1167
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1182
50-79% MINORITY 207
80-100% MINORITY 117
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 117
MIDDLE INCOME 429
UPPER INCOME 960
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 2
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 2
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 2
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 2
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 3
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 3
GENDER NOT AVAILABLE 6/ 1
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 4
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 4
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 609
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 432
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 609
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 432
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 609
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 121
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 920
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 730
GENDER NOT AVAILABLE 6/ 311
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1041
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 1041
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN 1
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 1
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN 885
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 885
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 885
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 885
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 885
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 885
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 885
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 23420 - FRESNO, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 31460 - MADERA, CA
Page 2 of 2
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 2 156
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 2 156
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 2 156
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 76
50-79% OF MSA/MD MEDIAN 1 80
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 2 156
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME 2 156
MIDDLE INCOME
UPPER INCOME
TOTAL 14/ 2 156
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
2
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 31460 - MADERA, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
156
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 31460 - MADERA, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 1 13 508 280 140 88
MALE 11 88 88
FEMALE 11 140 140
JOINT (MALE/FEMALE) 11 280 280
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 1 12 368 280 88
MALE 11 88 88
FEMALE
JOINT (MALE/FEMALE) 11 280 280
NOT HISPANIC OR LATINO (TOTAL) 11 140 140
MALE
FEMALE 11 140 140
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 140 140
MALE
FEMALE 11 140 140
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 368 280 88
MALE 11 88 88
FEMALE
JOINT (MALE/FEMALE) 11 280 280
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 88 88
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 12 420 280 140
INCOME NOT AVAILABLE 6/
TOTAL 14/ 1 1 13 508 280 140 88
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 1 1 13 398 81 233 84
MALE 1 12 165 81 84
FEMALE
JOINT (MALE/FEMALE) 11 233 233
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 2 1 14 347 156 120 71
MALE 11 80 80
FEMALE
JOINT (MALE/FEMALE) 1 1 13 267 76 120 71
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 1 45 1915 1400 515
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 22 156 156
MALE 11 80 80
FEMALE
JOINT (MALE/FEMALE) 11 76 76
NOT HISPANIC OR LATINO (TOTAL) 1 2 1 15 589 81 353 71 84
MALE 1 12 165 81 84
FEMALE
JOINT (MALE/FEMALE) 2 13 424 353 71
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 1 45 1915 1400 515
120% OR MORE OF MSA/MD MEDIAN 1 2 14 408 81 243 84
INCOME NOT AVAILABLE 6/ 11 1400 1400
TOTAL 14/ 4 6 1 112 2660 1637 868 71 84
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 232 232
MALE
FEMALE
JOINT (MALE/FEMALE) 11 232 232
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 232 232
MALE
FEMALE
JOINT (MALE/FEMALE) 11 232 232
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 232 232
MALE
FEMALE
JOINT (MALE/FEMALE) 11 232 232
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 232 232
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 232 232
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 1 12 165 81 84
MALE 1 12 165 81 84
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 140 140
MALE
FEMALE 11 140 140
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 1400 1400
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 1 13 305 81 140 84
MALE 1 12 165 81 84
FEMALE 11 140 140
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 1400 1400
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 140 140
MALE
FEMALE 11 140 140
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 165 81 84
MALE 1 12 165 81 84
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 1 13 305 81 140 84
INCOME NOT AVAILABLE 6/ 11 1400 1400
TOTAL 14/ 2 1 14 1705 1481 140 84
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 88 88
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 88 88
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 88 88
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 420 280 140
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 280 280
NOT HISPANIC OR LATINO 11 140 140
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 140 140
OTHERS, INCLUDING HISPANIC 11 280 280
1 1 13 508 280 140 88TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 76 76
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 76 76
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 76 76
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 80 80
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 92 92
ETHNICITY 7/HISPANIC OR LATINO 11 80 80
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 92 92
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 80 80
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 180 180
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 180 180
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 233 233
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 191 120 71
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 13 424 353 71
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 191 120 71
OTHERS, INCLUDING HISPANIC 11 233 233
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 12 165 81 84
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 22 243 243
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 165 81 84
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 22 243 243
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1 12 165 81 84
4 6 1 112 2660 1637 868 71 84TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 232 232
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 232 232
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 232 232
OTHERS, INCLUDING HISPANIC
11 232 232TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 12 165 81 84
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 140 140
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 1 13 305 81 140 84
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 140 140
OTHERS, INCLUDING HISPANIC 1 12 165 81 84
2 1 14 1705 1481 140 84TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 140 140
20-49% MINORITY
50-79% MINORITY 1 12 368 280 88
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 88 88
MIDDLE INCOME 1 12 420 280 140
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 88 88
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 140 140
20-49% MINORITY
50-79% MINORITY 11 280 280
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 1 13 508 280 140 88TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 4 6 1 112 2660 1637 868 71 84
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 2 4 17 719 156 492 71
MIDDLE INCOME 2 2 15 1941 1481 376 84
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 2 4 17 719 156 492 71
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 2 2 15 1941 1481 376 84
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
4 6 1 112 2660 1637 868 71 84TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 232 232
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 11 232 232
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 232 232
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 232 232TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 140 140
20-49% MINORITY
50-79% MINORITY 2 13 1565 1481 84
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 2 1 14 1705 1481 140 84
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 140 140
20-49% MINORITY
50-79% MINORITY 2 13 1565 1481 84
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 1 14 1705 1481 140 84TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE
FEMALE
JOINT (MALE/FEMALE) 1
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 280
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 280
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 280
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 280
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE
FEMALE
JOINT (MALE/FEMALE) 280
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 280
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 280
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 2
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 2
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 2
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 1
50-79% OF MSA/MD MEDIAN 1
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1
FEMALE
JOINT (MALE/FEMALE) 1
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 2
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 2
MIDDLE INCOME
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 156
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 156
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 156
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 76
50-79% OF MSA/MD MEDIAN 80
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 80
FEMALE
JOINT (MALE/FEMALE) 76
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 156
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 156
MIDDLE INCOME
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 31460 - MADERA, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 32900 - MERCED, CA
Page 2 of 3
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
INVALID MSA/MD NUMBERS 2/
LOANS ORIGINATED
APPS APPROVED, NOT ACCEPTED
APPS DENIED
APPS WITHDRAWN
FILES CLOSED FOR INCOMPLETENESS
06/21/2016Report Date:
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 32900 - MERCED, CA
Page 3 of 3
DISPOSITION OF APPLICATIONS
FHA, FSA/RHS & VA ConventionalRefinancings Home Improvement
Loans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 7 982
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 2 198
NOT HISPANIC OR LATINO 5 784
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 5 784
OTHERS, INCLUDING HISPANIC 2 198
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 1 103
80-99% OF MSA/MD MEDIAN 1 116
100-119% OF MSA/MD MEDIAN 2 196
120% OR MORE OF MSA/MD MEDIAN 3 567
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 7 982
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 7 982
UPPER INCOME
TOTAL 14/ 7 982
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
7
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 32900 - MERCED, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
982
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 32900 - MERCED, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 152 152
MALE
FEMALE
JOINT (MALE/FEMALE) 11 152 152
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 152 152
MALE
FEMALE
JOINT (MALE/FEMALE) 11 152 152
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 152 152
MALE
FEMALE
JOINT (MALE/FEMALE) 11 152 152
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 11 152 152
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 152 152
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 2 13 612 352 260
MALE 22 352 352
FEMALE
JOINT (MALE/FEMALE) 11 260 260
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 403 403
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 2 13 612 352 260
MALE 22 352 352
FEMALE
JOINT (MALE/FEMALE) 11 260 260
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 403 403
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 2 13 612 352 260
MALE 22 352 352
FEMALE
JOINT (MALE/FEMALE) 11 260 260
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 2 13 612 352 260
INCOME NOT AVAILABLE 6/ 11 403 403
TOTAL 14/ 3 14 1015 755 260
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 7 6 114 2442 1327 987 128
MALE 4 26 565 415 150
FEMALE 11 174 174
JOINT (MALE/FEMALE) 3 3 17 1703 912 663 128
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL) 11 175 175
MALE
FEMALE
JOINT (MALE/FEMALE) 11 175 175
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 3 25 530 380 150
MALE 2 24 348 198 150
FEMALE
JOINT (MALE/FEMALE) 11 182 182
NOT HISPANIC OR LATINO (TOTAL) 4 48 1644 947 697
MALE 22 217 217
FEMALE 11 174 174
JOINT (MALE/FEMALE) 2 35 1253 730 523
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
120% OR MORE OF MSA/MD MEDIAN 3 5 19 2052 912 1012 128
INCOME NOT AVAILABLE 6/
TOTAL 14/ 7 7 115 2617 1327 1162 128
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 58 58
MALE 11 58 58
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 58 58
MALE 11 58 58
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 58 58
MALE 11 58 58
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 58 58
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 58 58
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 140 140
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 140 140
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 11 140 140
TOTAL 14/ 11 140 140
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 3 3 17 973 425 420 128
MALE 2 13 325 243 82
FEMALE
JOINT (MALE/FEMALE) 1 2 14 648 182 338 128
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL) 11 175 175
MALE
FEMALE
JOINT (MALE/FEMALE) 11 175 175
RACE NOT AVAILABLE (TOTAL) 6/ 11 403 403
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 2 13 346 264 82
MALE 1 12 164 82 82
FEMALE
JOINT (MALE/FEMALE) 11 182 182
NOT HISPANIC OR LATINO (TOTAL) 1 34 674 161 513
MALE 11 161 161
FEMALE
JOINT (MALE/FEMALE) 33 513 513
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
120% OR MORE OF MSA/MD MEDIAN 2 3 16 984 343 513 128
INCOME NOT AVAILABLE 6/ 11 403 403
TOTAL 14/ 4 4 19 1551 828 595 128
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 22 585 585
MALE
FEMALE
JOINT (MALE/FEMALE) 22 585 585
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 270 270
MALE
FEMALE
JOINT (MALE/FEMALE) 11 270 270
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
11 315 315
MALE
FEMALE
JOINT (MALE/FEMALE) 11 315 315
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 270 270
MALE
FEMALE
JOINT (MALE/FEMALE) 11 270 270
OTHERS, INCLUDING HISPANIC (TOTAL) 11 315 315
MALE
FEMALE
JOINT (MALE/FEMALE) 11 315 315
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 22 585 585
INCOME NOT AVAILABLE 6/
TOTAL 14/ 22 585 585
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 152 152
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 152 152
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 152 152
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
11 152 152TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 13 612 352 260
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 13 612 352 260
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 2 13 612 352 260
OTHERS, INCLUDING HISPANIC
3 14 1015 755 260TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 103 103
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 103 103
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 103 103
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 116 116
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 116 116
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 116 116
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 24 346 196 150
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 1 23 232 82 150
NOT HISPANIC OR LATINO 11 114 114
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 114 114
OTHERS, INCLUDING HISPANIC 1 23 232 82 150
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 4 18 1877 912 837 128
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 175 175
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 182 182
NOT HISPANIC OR LATINO 2 46 1427 730 697
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
1 12 443 315 128
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 2 35 1252 730 522
OTHERS, INCLUDING HISPANIC 1 2 14 800 182 490 128
7 7 115 2617 1327 1162 128TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 58 58
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 58 58
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 58 58
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
11 58 58TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 164 82 82
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 1 12 164 82 82
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1 12 164 82 82
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 2 15 809 343 338 128
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 175 175
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 182 182
NOT HISPANIC OR LATINO 1 34 674 161 513
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 128 128
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 23 499 161 338
OTHERS, INCLUDING HISPANIC 1 1 13 485 182 175 128
4 4 19 1551 828 595 128TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 585 585
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 270 270
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 315 315
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 270 270
OTHERS, INCLUDING HISPANIC 11 315 315
22 585 585TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 152 152
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 11 152 152
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 152 152
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 152 152TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 3 14 1015 755 260
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 2 13 612 352 260
UPPER INCOME 11 403 403
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 2 13 612 352 260
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 403 403
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
3 14 1015 755 260TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 315 315
50-79% MINORITY 7 6 114 2302 1327 847 128
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 7 6 114 2442 1327 987 128
UPPER INCOME 11 175 175
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 315 315
50-79% MINORITY 7 5 113 2127 1327 672 128
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 175 175
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
7 7 115 2617 1327 1162 128TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 58 58
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 11 58 58
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 58 58
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 58 58TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 140 140
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 11 140 140
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 140 140
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 140 140TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 4 4 19 1551 828 595 128
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 3 3 17 973 425 420 128
UPPER INCOME 1 12 578 403 175
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 3 3 17 973 425 420 128
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 578 403 175
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
4 4 19 1551 828 595 128TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 315 315
50-79% MINORITY 11 270 270
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 22 585 585
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 315 315
50-79% MINORITY 11 270 270
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
22 585 585TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 1
OTHERS, INCLUDING HISPANIC
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 1
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 191
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 191
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 191
OTHERS, INCLUDING HISPANIC
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 191
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 191
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 191
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 191
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 5
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 4
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 4
OTHERS, INCLUDING HISPANIC 1
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 1
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN 2
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 3
FEMALE
JOINT (MALE/FEMALE) 2
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 5
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 5
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1063
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 116
NOT HISPANIC OR LATINO 947
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 947
OTHERS, INCLUDING HISPANIC 116
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 103
80-99% OF MSA/MD MEDIAN 116
100-119% OF MSA/MD MEDIAN 114
120% OR MORE OF MSA/MD MEDIAN 730
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 333
FEMALE
JOINT (MALE/FEMALE) 730
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1063
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1063
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 32900 - MERCED, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 33700 - MODESTO, CA
Page 7 of 7
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 140
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 131 105 2362
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 4 616
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 7 1092
NOT HISPANIC OR LATINO 101 105 1874
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1 152
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 81 105 1539
OTHERS, INCLUDING HISPANIC 10 1579
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 3 461
80-99% OF MSA/MD MEDIAN 3 444
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 121 105 2213
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 6 1307
50-79% MINORITY 121 105 1811
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME 2 363
MODERATE INCOME 11 105 216
MIDDLE INCOME 7 1059
UPPER INCOME 8 1480
TOTAL 14/ 181 105 3118
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
181
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 33700 - MODESTO, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
3118105
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 33700 - MODESTO, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 98 98
MALE
FEMALE
JOINT (MALE/FEMALE) 11 98 98
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 98 98
MALE
FEMALE
JOINT (MALE/FEMALE) 11 98 98
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 98 98
MALE
FEMALE
JOINT (MALE/FEMALE) 11 98 98
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 98 98
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 98 98
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 1600 1600
MALE
FEMALE
JOINT (MALE/FEMALE) 11 1600 1600
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 7 2 110 4097 3267 390 440
MALE 55 2863 2863
FEMALE 1 12 656 216 440
JOINT (MALE/FEMALE) 2 13 578 404 174
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 22 842 842
MALE 11 140 140
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
120% OR MORE OF MSA/MD MEDIAN 7 1 19 5259 4679 140 440
INCOME NOT AVAILABLE 6/ 11 702 702
TOTAL 14/ 8 2 2 113 6539 4867 390 842 440
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
120% OR MORE OF MSA/MD MEDIAN 11 14 6 233 7419 2682 2563 1971 203
INCOME NOT AVAILABLE 6/ 3 14 7044 3144 3900
TOTAL 14/ 19 18 9 551 17039 6565 3419 2488 4567
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 1 13 640 199 170 271
MALE
FEMALE
JOINT (MALE/FEMALE) 1 1 13 640 199 170 271
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL) 11 150 150
MALE
FEMALE
JOINT (MALE/FEMALE) 11 150 150
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 170 170
MALE
FEMALE
JOINT (MALE/FEMALE) 11 170 170
NOT HISPANIC OR LATINO (TOTAL) 2 13 620 349 271
MALE
FEMALE
JOINT (MALE/FEMALE) 2 13 620 349 271
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 1 12 470 199 271
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 470 199 271
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 320 150 170
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 320 150 170
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 170 170
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1 12 421 150 271
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 199 199
INCOME NOT AVAILABLE 6/
TOTAL 14/ 2 1 14 790 349 170 271
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 900 900
MALE 11 900 900
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 280 280
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 900 900
MALE 11 900 900
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 280 280
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 900 900
MALE 11 900 900
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 1 12 1180 280 900
TOTAL 14/ 1 12 1180 280 900
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 5 14 1 121 5266 2667 2386 135 78
MALE 4 13 118 4903 2492 2276 135
FEMALE 11 110 110
JOINT (MALE/FEMALE) 1 12 253 175 78
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL) 22 281 281
MALE
FEMALE
JOINT (MALE/FEMALE) 22 281 281
RACE NOT AVAILABLE (TOTAL) 6/ 3 25 7746 3144 4602
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
120% OR MORE OF MSA/MD MEDIAN 7 13 1 122 5437 2948 2276 135 78
INCOME NOT AVAILABLE 6/ 3 25 7746 3144 4602
TOTAL 14/ 10 14 1 328 13293 6092 2386 135 4680
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 12 811 371 440
MALE 11 371 371
FEMALE 11 440 440
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 1 12 811 371 440
MALE 11 371 371
FEMALE 11 440 440
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 811 371 440
MALE 11 371 371
FEMALE 11 440 440
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 12 811 371 440
INCOME NOT AVAILABLE 6/
TOTAL 14/ 1 12 811 371 440
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 98 98
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 98 98
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 98 98
OTHERS, INCLUDING HISPANIC
11 98 98TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 404 188 216
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 404 188 216
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 404 188 216
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 174 174
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 174 174
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 174 174
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
OTHERS, INCLUDING HISPANIC 3 1 15 4551 3971 140 440
8 2 2 113 6539 4867 390 842 440TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 96 96
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 96 96
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 96 96
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 140 140
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 2 26 936 321 194 421
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 3 14 629 461 168
NOT HISPANIC OR LATINO 2 13 447 194 253
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 2 13 447 194 253
OTHERS, INCLUDING HISPANIC 3 14 629 461 168
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 598 106 492
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 598 106 492
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 598 106 492
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 262 262
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 1 13 544 172 170 202
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 170 170
NOT HISPANIC OR LATINO 1 12 434 172 262
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 202 202
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 172 172
OTHERS, INCLUDING HISPANIC 1 23 634 170 464
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 170 170
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 170 170
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 170 170
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 271 271
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 150 150
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 421 150 271
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 271 271
OTHERS, INCLUDING HISPANIC 11 150 150
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 199 199
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 199 199
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 199 199
OTHERS, INCLUDING HISPANIC
2 1 14 790 349 170 271TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 110 110
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 110 110
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 110 110
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
MINORITY STATUS 8/WHITE NON-HISPANIC 4 15 802 667 135
OTHERS, INCLUDING HISPANIC 3 13 117 4635 2281 2276 78
10 14 1 328 13293 6092 2386 135 4680TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 811 371 440
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 1 12 811 371 440
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1 12 811 371 440
1 12 811 371 440TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 98 98
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 98 98
MIDDLE INCOME
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 98 98
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 98 98TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 4 1 27 3261 2203 216 842
50-79% MINORITY 4 1 16 3278 2664 174 440
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 11 188 188
MODERATE INCOME 33 2321 2321
MIDDLE INCOME 3 1 15 1372 758 174 440
UPPER INCOME 1 1 24 2658 1600 216 842
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 188 188
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 216 216
50-79% MINORITY 22 2105 2105
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 22 387 387
50-79% MINORITY 1 1 13 985 371 174 440
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 1 24 2658 1600 216 842
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
8 2 2 113 6539 4867 390 842 440TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 199 199
50-79% MINORITY 1 1 13 591 150 170 271
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 12 421 150 271
UPPER INCOME 1 12 369 199 170
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 421 150 271
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 199 199
50-79% MINORITY 11 170 170
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 1 14 790 349 170 271TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 12 1180 280 900
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 12 1180 280 900
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 12 1180 280 900
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 1180 280 900TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 811 371 440
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 12 811 371 440
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 811 371 440
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 811 371 440TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 2
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 3
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 2
OTHERS, INCLUDING HISPANIC 1
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 2
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE
FEMALE
JOINT (MALE/FEMALE) 3
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 2
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 1
MODERATE INCOME 1
MIDDLE INCOME
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1600
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 404
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2004
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 404
OTHERS, INCLUDING HISPANIC 1600
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 188
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1816
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE
FEMALE
JOINT (MALE/FEMALE) 2004
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1816
50-79% MINORITY 188
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 188
MODERATE INCOME 216
MIDDLE INCOME
UPPER INCOME 1600
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 1
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 11
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 5
NOT HISPANIC OR LATINO 7
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 6
OTHERS, INCLUDING HISPANIC 7
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 3
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN 8
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 3
FEMALE 5
JOINT (MALE/FEMALE) 5
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 5
50-79% MINORITY 8
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 4
UPPER INCOME 9
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 140
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 2640
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 185
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 811
NOT HISPANIC OR LATINO 2002
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
152
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1817
OTHERS, INCLUDING HISPANIC 1148
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 461
80-99% OF MSA/MD MEDIAN 106
100-119% OF MSA/MD MEDIAN 172
120% OR MORE OF MSA/MD MEDIAN 2226
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1100
FEMALE 1173
JOINT (MALE/FEMALE) 692
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1776
50-79% MINORITY 1189
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 662
UPPER INCOME 2303
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1
OTHERS, INCLUDING HISPANIC 1
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 2
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 199
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 150
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 349
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 199
OTHERS, INCLUDING HISPANIC 150
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 150
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 199
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 349
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 199
50-79% MINORITY 150
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 150
UPPER INCOME 199
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 811 371 440
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 1 12 811 371 440
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1 12 811 371 440
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 12 811 371 440
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 11 371 371
FEMALE 11 440 440
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 811 371 440
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 12 811 371 440
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIEDDWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 1 1.87 1.87
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 1 1.87 1.87
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
6 OR MORE
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 371 371 1.87 1.87
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 371 371 1.87 1.87
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 371 371 1.87 1.87
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 371 371 1.87 1.87
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 371 371 1.87 1.87
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 371 371 1.87 1.87
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 371 371 1.87 1.87
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 33700 - MODESTO, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
Page 3 of 3
DISPOSITION OF APPLICATIONS
FHA, FSA/RHS & VA ConventionalRefinancings Home Improvement
Loans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 307
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1 67
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1 394
ETHNICITY 7/
HISPANIC OR LATINO 1 394
NOT HISPANIC OR LATINO 2 374
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 1 67
OTHERS, INCLUDING HISPANIC 2 701
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 67
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1 307
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 394
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 67
50-79% MINORITY 2 701
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME 1 394
MIDDLE INCOME 2 374
UPPER INCOME
TOTAL 14/ 3 768
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
3
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
768
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 12 599 329 270
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 599 329 270
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 12 599 329 270
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 599 329 270
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 1 12 599 329 270
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 599 329 270
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 270 270
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 329 329
INCOME NOT AVAILABLE 6/
TOTAL 14/ 1 12 599 329 270
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 307 307
MALE 11 307 307
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 2 24 1221 547 674
MALE
FEMALE 11 314 314
JOINT (MALE/FEMALE) 2 13 907 547 360
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 394 394
MALE
FEMALE
JOINT (MALE/FEMALE) 11 394 394
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 1 12 708 394 314
MALE
FEMALE 11 314 314
JOINT (MALE/FEMALE) 11 394 394
NOT HISPANIC OR LATINO (TOTAL) 33 854 854
MALE 11 307 307
FEMALE
JOINT (MALE/FEMALE) 22 547 547
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
11 360 360
MALE
FEMALE
JOINT (MALE/FEMALE) 11 360 360
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 22 547 547
MALE
FEMALE
JOINT (MALE/FEMALE) 22 547 547
OTHERS, INCLUDING HISPANIC (TOTAL) 2 24 1375 701 674
MALE 11 307 307
FEMALE 11 314 314
JOINT (MALE/FEMALE) 1 12 754 394 360
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 67 67
50-79% OF MSA/MD MEDIAN 11 314 314
80-99% OF MSA/MD MEDIAN 11 307 307
100-119% OF MSA/MD MEDIAN 1 12 840 480 360
120% OR MORE OF MSA/MD MEDIAN 11 394 394
INCOME NOT AVAILABLE 6/
TOTAL 14/ 4 26 1922 1248 674
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 121 121
MALE
FEMALE
JOINT (MALE/FEMALE) 11 121 121
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 121 121
MALE
FEMALE
JOINT (MALE/FEMALE) 11 121 121
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 121 121
MALE
FEMALE
JOINT (MALE/FEMALE) 11 121 121
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 121 121
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 121 121
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 1 13 548 67 121 360
MALE
FEMALE
JOINT (MALE/FEMALE) 1 1 13 548 67 121 360
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 12 188 67 121
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 188 67 121
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
11 360 360
MALE
FEMALE
JOINT (MALE/FEMALE) 11 360 360
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 1 12 188 67 121
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 188 67 121
OTHERS, INCLUDING HISPANIC (TOTAL) 11 360 360
MALE
FEMALE
JOINT (MALE/FEMALE) 11 360 360
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 12 188 67 121
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 11 360 360
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
TOTAL 14/ 1 1 13 548 67 121 360
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 270 270
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 270 270
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 270 270
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 329 329
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 329 329
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 329 329
OTHERS, INCLUDING HISPANIC
1 12 599 329 270TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 67 67
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 67 67
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 67 67
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 314 314
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 314 314
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 314 314
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 307 307
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 307 307
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 307 307
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 840 480 360
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 480 480
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 360 360
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 480 480
OTHERS, INCLUDING HISPANIC 11 360 360
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 394 394
ETHNICITY 7/HISPANIC OR LATINO 11 394 394
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 394 394
4 26 1922 1248 674TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 121 121
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 121 121
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 121 121
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
11 121 121TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 188 67 121
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 188 67 121
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 188 67 121
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 360 360
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 360 360
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 360 360
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
1 1 13 548 67 121 360TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 270 270
50-79% MINORITY 11 329 329
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 329 329
MIDDLE INCOME 11 270 270
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 329 329
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 270 270
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 599 329 270TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 22 547 547
50-79% MINORITY 2 24 1375 701 674
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 394 394
MIDDLE INCOME 2 13 688 374 314
UPPER INCOME 1 12 840 480 360
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 394 394
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 67 67
50-79% MINORITY 1 12 621 307 314
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 480 480
50-79% MINORITY 11 360 360
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
4 26 1922 1248 674TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 121 121
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 121 121
MIDDLE INCOME
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 121 121
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 121 121TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 67 67
50-79% MINORITY 1 12 481 121 360
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 121 121
MIDDLE INCOME 11 67 67
UPPER INCOME 11 360 360
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 121 121
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 67 67
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 360 360
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 1 13 548 67 121 360TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1
ETHNICITY 7/HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 2
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1
OTHERS, INCLUDING HISPANIC 2
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1
FEMALE
JOINT (MALE/FEMALE) 2
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1
50-79% MINORITY 2
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1
MIDDLE INCOME 1
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 307
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 480
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 394
ETHNICITY 7/HISPANIC OR LATINO 394
NOT HISPANIC OR LATINO 787
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 480
OTHERS, INCLUDING HISPANIC 701
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 307
100-119% OF MSA/MD MEDIAN 480
120% OR MORE OF MSA/MD MEDIAN 394
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 307
FEMALE
JOINT (MALE/FEMALE) 874
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 480
50-79% MINORITY 701
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 394
MIDDLE INCOME 307
UPPER INCOME 480
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 36084 - OAKLAND-HAYWARD-BERKELEY, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 39820 - REDDING, CA
Page 9 of 9
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 2 393
ASIAN 11 136 78
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1089 1574 17012
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 3 586
RACE NOT AVAILABLE 6/ 1 123
ETHNICITY 7/
HISPANIC OR LATINO 11 138 171
NOT HISPANIC OR LATINO 1128 1349 17783
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
11 223 115
ETHNICITY NOT AVAILABLE 6/ 1 123
MINORITY STATUS 8/
WHITE NON-HISPANIC 1067 1213 16726
OTHERS, INCLUDING HISPANIC 83 497 1343
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 152 211 1407
50-79% OF MSA/MD MEDIAN 261 114 3236
80-99% OF MSA/MD MEDIAN 142 321 1907
100-119% OF MSA/MD MEDIAN 8 1306
120% OR MORE OF MSA/MD MEDIAN 525 1064 10336
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 3 290
10-19% MINORITY 848 1436 14149
20-49% MINORITY 282 274 3753
50-79% MINORITY
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME 294 572 3813
MIDDLE INCOME 554 735 9146
UPPER INCOME 312 403 5233
TOTAL 14/ 11510 1710 18192
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
11510
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 39820 - REDDING, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
181921710
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 39820 - REDDING, CA
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 2 24 703 344 359
MALE 11 131 131
FEMALE 2 13 572 344 228
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 2 13 572 344 228
MALE
FEMALE 2 13 572 344 228
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 131 131
MALE 11 131 131
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 116 116
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 11 131 131
100-119% OF MSA/MD MEDIAN 11 228 228
120% OR MORE OF MSA/MD MEDIAN 11 228 228
INCOME NOT AVAILABLE 6/
TOTAL 14/ 2 24 703 344 359
Report Date: 06/21/2016
DISCLOSURE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 138 138
MALE
FEMALE
JOINT (MALE/FEMALE) 11 138 138
NOT HISPANIC OR LATINO (TOTAL) 35 3 8 8 155 9471 6822 394 1023 1179 53
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
RACE NOT AVAILABLE (TOTAL) 6/ 3 3 39 1185 290 467 428
MALE
FEMALE 11 137 137
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 3 1 15 636 334 215 87
MALE 22 294 294
FEMALE
JOINT (MALE/FEMALE) 1 1 13 342 40 215 87
NOT HISPANIC OR LATINO (TOTAL) 95 10 38 19 3165 25712 14472 1951 6225 2771 293
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 12 1 7 222 2908 1443 65 1100 300
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 490 490
MALE
FEMALE
JOINT (MALE/FEMALE) 11 490 490
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 12 2200 1800 400
MALE 11 1800 1800
FEMALE 11 400 400
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 1 12 11116 10000 1116
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 23 2690 1800 890
MALE 11 1800 1800
FEMALE 11 400 400
JOINT (MALE/FEMALE) 11 490 490
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 1 12 11116 10000 1116
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 1 12 2200 1800 400
MALE 11 1800 1800
FEMALE 11 400 400
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL) 11 490 490
MALE
FEMALE
JOINT (MALE/FEMALE) 11 490 490
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 2 35 13806 11800 2006
TOTAL 14/ 2 35 13806 11800 2006
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 123 123
MALE 11 123 123
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 20 1 13 6 141 5076 2131 225 1781 834 105
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 11 180 180
MALE 11 180 180
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 6 39 761 488 273
MALE 11 48 48
FEMALE 22 176 176
JOINT (MALE/FEMALE) 4 26 537 312 225
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 22 222 222
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 5 3 19 826 373 273 180
MALE 1 12 228 48 180
FEMALE 22 176 176
JOINT (MALE/FEMALE) 3 25 422 197 225
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
11 115 115
MALE
FEMALE
JOINT (MALE/FEMALE) 11 115 115
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 22 222 222
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 5 38 646 373 273
MALE 11 48 48
FEMALE 22 176 176
JOINT (MALE/FEMALE) 3 25 422 197 225
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 295 115 180
MALE 11 180 180
FEMALE
JOINT (MALE/FEMALE) 11 115 115
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 3 14 346 251 95
50-79% OF MSA/MD MEDIAN 2 13 346 166 180
80-99% OF MSA/MD MEDIAN 1 23 169 71 98
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 22 302 302
INCOME NOT AVAILABLE 6/
TOTAL 14/ 6 5 112 1163 488 495 180
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 116 116
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 116 116
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 116 116
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND 11 131 131
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 131 131
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 131 131
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 228 228
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 228 228
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 228 228
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 228 228
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 228 228
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 228 228
OTHERS, INCLUDING HISPANIC
2 24 703 344 359TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 53 53
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 14 314 261 53
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 3 1 15 367 261 53 53
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 314 261 53
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 1 16 1100 561 369 170
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 233 233
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 138 138
NOT HISPANIC OR LATINO 4 15 826 656 170
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 369 369
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 593 423 170
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 338 338
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 21 1 3 429 6517 4805 172 787 753
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 22 353 353
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 23 1 2 430 6565 5273 172 367 753
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 55 55
ASIAN 1 23 305 136 169
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 4 3 119 1765 1009 398 253 105
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 123 123
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 13 6 3 123 2125 1200 567 253 105
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 15 8 124 3451 1893 1341 217
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1 12 335 160 175
RACE NOT AVAILABLE 6/ 11 50 50
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 15 8 124 3451 1893 1341 217
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 81 81
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 40 7 14 9 171 13769 7935 1343 2845 1601 45
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1 2 14 669 114 417 138
ETHNICITY 7/HISPANIC OR LATINO 2 13 509 294 215
NOT HISPANIC OR LATINO 38 5 15 8 167 13097 7641 1049 2926 1436 45
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 5 49 1326 637 689
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 465 465
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 5 49 1326 637 689
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 465 465
MINORITY STATUS 8/WHITE NON-HISPANIC 5 49 1326 637 689
OTHERS, INCLUDING HISPANIC
13 1 8 224 3448 1518 65 1565 300TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 55 55
ASIAN 1 12 115 62 53
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 2 14 378 62 211 105
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 3 1 17 548 117 273 53 105
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 15 566 332 234
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 4 15 566 332 234
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 4 15 566 332 234
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 2 3 420 2805 1282 304 512 707
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 123 123
NOT HISPANIC OR LATINO 10 1 3 317 2438 1159 225 512 542
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 14 346 251 95
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 3 14 346 251 95
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 346 251 95
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 180 180
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 166 166
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 231 51 180
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
11 115 115
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 51 51
OTHERS, INCLUDING HISPANIC 1 12 295 115 180
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 119 71 48
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 50 50
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 119 71 48
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 50 50
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 119 71 48
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 130 130
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 172 172
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 130 130
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 172 172
MINORITY STATUS 8/WHITE NON-HISPANIC 11 130 130
OTHERS, INCLUDING HISPANIC
6 5 112 1163 488 495 180TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 2 24 703 344 359
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 12 247 116 131
UPPER INCOME 1 12 456 228 228
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 12 247 116 131
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 12 456 228 228
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 24 703 344 359TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTUREDHOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 11 140 140
10-19% MINORITY 11 1 7 221 3097 1307 65 1425 300
20-49% MINORITY 22 211 211
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 1 12 269 132 137
MIDDLE INCOME 8 1 5 115 2188 894 65 1079 150
UPPER INCOME 4 2 17 991 492 349 150
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 12 269 132 137
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY 11 140 140
10-19% MINORITY 6 1 4 112 1837 683 65 939 150
20-49% MINORITY 22 211 211
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 4 2 17 991 492 349 150
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
13 1 8 224 3448 1518 65 1565 300TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 490 490
20-49% MINORITY 2 24 13316 11800 1516
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 1 23 3316 1800 1516
MIDDLE INCOME 1 12 10490 10000 490
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 23 3316 1800 1516
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 490 490
20-49% MINORITY 11 10000 10000
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
2 35 13806 11800 2006TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 11 130 130
10-19% MINORITY 5 4 110 962 417 365 180
20-49% MINORITY 11 71 71
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 22 126 126
MIDDLE INCOME 2 4 17 731 186 365 180
UPPER INCOME 2 13 306 176 130
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 22 126 126
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 4 16 660 115 365 180
20-49% MINORITY 11 71 71
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY 11 130 130
10-19% MINORITY 22 176 176
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
6 5 112 1163 488 495 180TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1 126 1.52 1.52
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 3
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 1 128 1.52 1.52
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 1 124 1.52 1.52
OTHERS, INCLUDING HISPANIC 6
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 2
50-79% OF MSA/MD MEDIAN 4
80-99% OF MSA/MD MEDIAN 4
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 120 1.52 1.52
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 1 15 1.52 1.52
FEMALE 7
JOINT (MALE/FEMALE) 18
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 2
10-19% MINORITY 1 120 1.52 1.52
20-49% MINORITY 8
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 8
MIDDLE INCOME 1 115 1.52 1.52
UPPER INCOME 7
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 338
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 220 2205211 1.52 1.52
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 586
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 138
NOT HISPANIC OR LATINO 220 2205774 1.52 1.52
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
223
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 220 2204850 1.52 1.52
OTHERS, INCLUDING HISPANIC 1285
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 199
50-79% OF MSA/MD MEDIAN 557
80-99% OF MSA/MD MEDIAN 654
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 220 2204725 1.52 1.52
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 220 2201237 1.52 1.52
FEMALE 1122
JOINT (MALE/FEMALE) 3776
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 220
10-19% MINORITY 220 2204400 1.52 1.52
20-49% MINORITY 1515
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 1454
MIDDLE INCOME 220 2203280 1.52 1.52
UPPER INCOME 1401
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 2
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 2 277 1.76 1.76
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 2
ETHNICITY 7/HISPANIC OR LATINO 2
NOT HISPANIC OR LATINO 2 277 1.76 1.76
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 2
MINORITY STATUS 8/WHITE NON-HISPANIC 2 275 1.76 1.76
OTHERS, INCLUDING HISPANIC 4
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 11
50-79% OF MSA/MD MEDIAN 17
80-99% OF MSA/MD MEDIAN 12
100-119% OF MSA/MD MEDIAN 9
120% OR MORE OF MSA/MD MEDIAN 2 232 1.76 1.76
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 15
FEMALE 16
JOINT (MALE/FEMALE) 2 248 1.76 1.76
GENDER NOT AVAILABLE 6/ 2
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY 2
10-19% MINORITY 2 264 1.76 1.76
20-49% MINORITY 15
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 19
MIDDLE INCOME 1 138 1.65 1.65
UPPER INCOME 1 124 1.86 1.86
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 214
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 440 44012633 1.75 1.65
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 237
ETHNICITY 7/HISPANIC OR LATINO 211
NOT HISPANIC OR LATINO 440 44012636 1.75 1.65
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 237
MINORITY STATUS 8/WHITE NON-HISPANIC 440 44012422 1.75 1.65
OTHERS, INCLUDING HISPANIC 425
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 1113
50-79% OF MSA/MD MEDIAN 2134
80-99% OF MSA/MD MEDIAN 1701
100-119% OF MSA/MD MEDIAN 1145
120% OR MORE OF MSA/MD MEDIAN 440 4406991 1.75 1.65
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 2018
FEMALE 2423
JOINT (MALE/FEMALE) 440 4408406 1.75 1.65
GENDER NOT AVAILABLE 6/ 237
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY 148
10-19% MINORITY 440 44011350 1.75 1.65
20-49% MINORITY 1586
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 2114
MIDDLE INCOME 228 2286462 1.65 1.65
UPPER INCOME 212 2124508 1.86 1.86
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 10
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 9
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 9
OTHERS, INCLUDING HISPANIC 1
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 4
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 2
120% OR MORE OF MSA/MD MEDIAN 4
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1
FEMALE 1
JOINT (MALE/FEMALE) 8
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 9
20-49% MINORITY 1
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1
MIDDLE INCOME 6
UPPER INCOME 3
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1238
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1163
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
75
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1163
OTHERS, INCLUDING HISPANIC 75
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 462
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 252
120% OR MORE OF MSA/MD MEDIAN 524
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 177
FEMALE 104
JOINT (MALE/FEMALE) 957
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 1098
20-49% MINORITY 140
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 132
MIDDLE INCOME 710
UPPER INCOME 396
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 115 115
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 11 115 115
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 115 115
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 11 115 115
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 11 115 115
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 11 115 115
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 11 115 115
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIEDDWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 1
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
6 OR MORE
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 115
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
115
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 115
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 115
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 115
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 115
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 115
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 39820 - REDDING, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
Page 20 of 20
DISPOSITION OF APPLICATIONS
FHA, FSA/RHS & VA ConventionalRefinancings Home Improvement
Loans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 5 1108
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 362 342 9504
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 3 796
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 1 149
NOT HISPANIC OR LATINO 432 342 11259
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 352 342 9355
OTHERS, INCLUDING HISPANIC 9 2053
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 4 502
50-79% OF MSA/MD MEDIAN 5 862
80-99% OF MSA/MD MEDIAN 1 171
100-119% OF MSA/MD MEDIAN 31 219 739
120% OR MORE OF MSA/MD MEDIAN 311 123 9134
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 1 200
10-19% MINORITY 121 219 3501
20-49% MINORITY 17 4357
50-79% MINORITY 121 123 3144
80-100% MINORITY 2 206
INCOME 12/ 13/
LOW INCOME 1 57
MODERATE INCOME 71 123 1579
MIDDLE INCOME 181 219 4168
UPPER INCOME 18 5604
TOTAL 14/ 442 342 11408
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
442
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
11408342
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 149 149
MALE
FEMALE
JOINT (MALE/FEMALE) 11 149 149
NOT HISPANIC OR LATINO (TOTAL) 25 2 4 132 10491 8040 540 1447 464
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
RACE NOT AVAILABLE (TOTAL) 6/ 3 1 37 7830 6982 310 538
MALE 11 56 56
FEMALE 11 150 150
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 1 3 15 1128 496 592 40
MALE 1 12 262 222 40
FEMALE 11 150 150
JOINT (MALE/FEMALE) 1 12 716 496 220
NOT HISPANIC OR LATINO (TOTAL) 44 6 19 3 274 21316 13897 1279 4733 1152 255
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 417 417
MALE
FEMALE
JOINT (MALE/FEMALE) 11 417 417
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 7 1 210 2739 1837 125 777
MALE 22 453 453
FEMALE 3 14 1251 834 417
JOINT (MALE/FEMALE) 2 1 14 1035 550 125 360
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL) 11 230 230
MALE
FEMALE
JOINT (MALE/FEMALE) 11 230 230
RACE NOT AVAILABLE (TOTAL) 6/ 11 330 330
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 7 1 1 312 3386 1837 417 125 1007
MALE 22 453 453
FEMALE 3 14 1251 834 417
JOINT (MALE/FEMALE) 2 1 1 26 1682 550 417 125 590
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 330 330
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 7 1 210 2739 1837 125 777
MALE 22 453 453
FEMALE 3 14 1251 834 417
JOINT (MALE/FEMALE) 2 1 14 1035 550 125 360
OTHERS, INCLUDING HISPANIC (TOTAL) 1 12 647 417 230
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 647 417 230
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 129 129
50-79% OF MSA/MD MEDIAN 22 385 385
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 4 1 1 39 2872 1323 417 125 1007
INCOME NOT AVAILABLE 6/ 11 330 330
TOTAL 14/ 8 1 1 313 3716 2167 417 125 1007
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 22 997 997
MALE 11 224 224
FEMALE 11 773 773
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 2500 2500
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 22 997 997
MALE 11 224 224
FEMALE 11 773 773
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 2500 2500
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 22 997 997
MALE 11 224 224
FEMALE 11 773 773
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 1 23 3497 2500 997
TOTAL 14/ 1 23 3497 2500 997
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
RACE NOT AVAILABLE (TOTAL) 6/ 6 1 29 9556 8401 310 845
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 17 2 9 3 334 8198 3789 540 1928 1222 719
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 3 25 1111 633 478
MALE 11 222 222
FEMALE 22 452 452
JOINT (MALE/FEMALE) 1 12 437 181 256
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 222 222
MALE 11 222 222
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 3 14 889 633 256
MALE
FEMALE 22 452 452
JOINT (MALE/FEMALE) 1 12 437 181 256
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 3 14 889 633 256
MALE
FEMALE 22 452 452
JOINT (MALE/FEMALE) 1 12 437 181 256
OTHERS, INCLUDING HISPANIC (TOTAL) 11 222 222
MALE 11 222 222
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 222 222
50-79% OF MSA/MD MEDIAN 11 200 200
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 11 252 252
120% OR MORE OF MSA/MD MEDIAN 1 12 437 181 256
INCOME NOT AVAILABLE 6/
TOTAL 14/ 3 25 1111 633 478
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 12 311 160 151
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 311 160 151
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 1 12 311 160 151
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 200 200
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 200 200
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 200 200
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 14 1000 845 155
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 33 845 845
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/ 11 155 155
MINORITY STATUS 8/WHITE NON-HISPANIC 33 845 845
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 12 312 156 156
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 56 1279 57 1222
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 222 222
NOT HISPANIC OR LATINO 2 1 47 1369 213 156 1000
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 45 1057 57 1000
OTHERS, INCLUDING HISPANIC 1 1 13 534 156 156 222
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN 11 151 151
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 15 576 536 40
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 22 206 206
ETHNICITY 7/HISPANIC OR LATINO 1 12 190 150 40
NOT HISPANIC OR LATINO 4 1 16 743 536 151 56
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 44 536 536
OTHERS, INCLUDING HISPANIC 1 1 13 341 151 150 40
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 3 14 793 671 122
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 3 14 793 671 122
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 793 671 122
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 12 346 146 200
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 34 659 219 440
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 46 1005 365 640
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 34 659 219 440
OTHERS, INCLUDING HISPANIC 1 12 346 146 200
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 4 1 1 28 2372 1283 417 417 255
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 29 2 10 344 15344 10919 433 2840 1152
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 406 406
RACE NOT AVAILABLE 6/ 11 332 332
ETHNICITY 7/HISPANIC OR LATINO 1 12 716 496 220
NOT HISPANIC OR LATINO 33 3 10 3 251 17406 12112 850 3037 1152 255
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 129 129
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 129 129
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 129 129
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 385 385
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 22 385 385
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 22 385 385
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 417 417
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 1 27 2225 1323 125 777
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 230 230
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 4 1 1 39 2872 1323 417 125 1007
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 200 200
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 263 263
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 33 463 463
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 22 263 263
OTHERS, INCLUDING HISPANIC 11 200 200
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 34 1136 417 719
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 16 1 5 325 6171 3601 300 1048 1222
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1 12 428 188 240
RACE NOT AVAILABLE 6/ 11 154 154
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 17 2 6 3 331 7735 3789 540 1465 1222 719
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 222 222
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 222 222
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 222 222
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 200 200
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 200 200
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 200 200
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 252 252
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 252 252
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 252 252
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 437 181 256
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 437 181 256
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 437 181 256
OTHERS, INCLUDING HISPANIC
3 25 1111 633 478TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 3 25 1381 604 777
20-49% MINORITY 3 14 1352 935 417
50-79% MINORITY 2 1 14 983 628 125 230
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 125 125
MIDDLE INCOME 5 16 1820 1403 417
UPPER INCOME 3 1 26 1771 764 417 590
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 125 125
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 2 13 892 475 417
20-49% MINORITY 22 705 705
50-79% MINORITY 11 223 223
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 12 489 129 360
20-49% MINORITY 1 12 647 230 417
50-79% MINORITY 1 12 635 405 230
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
8 1 1 313 3716 2167 417 125 1007TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 12 3273 2500 773
50-79% MINORITY
80-100% MINORITY 11 224 224
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 224 224
MIDDLE INCOME 11 773 773
UPPER INCOME 11 2500 2500
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 224 224
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 773 773
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 2500 2500
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 23 3497 2500 997TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 2 24 859 381 478
20-49% MINORITY 11 252 252
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1 23 659 181 478
UPPER INCOME 22 452 452
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 23 659 181 478
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 200 200
20-49% MINORITY 11 252 252
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
3 25 1111 633 478TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 15
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1
RACE NOT AVAILABLE 6/ 1
ETHNICITY 7/
HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 16
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 1
MINORITY STATUS 8/
WHITE NON-HISPANIC 14
OTHERS, INCLUDING HISPANIC 3
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1
50-79% OF MSA/MD MEDIAN 1
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 2
120% OR MORE OF MSA/MD MEDIAN 14
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 2
FEMALE 1
JOINT (MALE/FEMALE) 15
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 1
10-19% MINORITY 3
20-49% MINORITY 8
50-79% MINORITY 5
80-100% MINORITY 1
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 5
MIDDLE INCOME 5
UPPER INCOME 8
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 160
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 5112
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 202
RACE NOT AVAILABLE 6/ 497
ETHNICITY 7/
HISPANIC OR LATINO 149
NOT HISPANIC OR LATINO 5325
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 497
MINORITY STATUS 8/
WHITE NON-HISPANIC 4963
OTHERS, INCLUDING HISPANIC 511
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 160
50-79% OF MSA/MD MEDIAN 200
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 593
120% OR MORE OF MSA/MD MEDIAN 5018
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 650
FEMALE 160
JOINT (MALE/FEMALE) 5161
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 200
10-19% MINORITY 1129
20-49% MINORITY 2829
50-79% MINORITY 1664
80-100% MINORITY 149
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 1574
MIDDLE INCOME 1321
UPPER INCOME 3076
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 15 1.59 1.59
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 28
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 1 133 1.59 1.59
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 27
OTHERS, INCLUDING HISPANIC 1 17 1.59 1.59
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 2
50-79% OF MSA/MD MEDIAN 3
80-99% OF MSA/MD MEDIAN 3
100-119% OF MSA/MD MEDIAN 2
120% OR MORE OF MSA/MD MEDIAN 1 124 1.59 1.59
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 7
FEMALE 6
JOINT (MALE/FEMALE) 1 120 1.59 1.59
GENDER NOT AVAILABLE 6/ 1
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 16
20-49% MINORITY 1 110 1.59 1.59
50-79% MINORITY 7
80-100% MINORITY 1
INCOME CHARACTERISTICS 12/ 13/LOW INCOME 1
MODERATE INCOME 4
MIDDLE INCOME 10
UPPER INCOME 1 119 1.59 1.59
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 475 4751110 1.59 1.59
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 10840
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 406
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 496
NOT HISPANIC OR LATINO 475 47511860 1.59 1.59
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 10344
OTHERS, INCLUDING HISPANIC 475 4752012 1.59 1.59
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 213
50-79% OF MSA/MD MEDIAN 336
80-99% OF MSA/MD MEDIAN 671
100-119% OF MSA/MD MEDIAN 365
120% OR MORE OF MSA/MD MEDIAN 475 47510771 1.59 1.59
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 3020
FEMALE 1132
JOINT (MALE/FEMALE) 475 4757439 1.59 1.59
GENDER NOT AVAILABLE 6/ 765
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 7692
20-49% MINORITY 475 4752939 1.59 1.59
50-79% MINORITY 1668
80-100% MINORITY 57
INCOME CHARACTERISTICS 12/ 13/LOW INCOME 57
MODERATE INCOME 892
MIDDLE INCOME 2973
UPPER INCOME 475 4758434 1.59 1.59
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 6
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 6
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 6
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 1
50-79% OF MSA/MD MEDIAN 2
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 3
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 2
FEMALE 3
JOINT (MALE/FEMALE) 1
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 1
20-49% MINORITY 3
50-79% MINORITY 2
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 3
UPPER INCOME 3
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1692
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1692
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1692
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 129
50-79% OF MSA/MD MEDIAN 385
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1178
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 453
FEMALE 834
JOINT (MALE/FEMALE) 405
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 129
20-49% MINORITY 935
50-79% MINORITY 628
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 928
UPPER INCOME 764
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 252 252
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 252 252
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 252 252
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 11 252 252
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE 11 252 252
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 252 252
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 11 252 252
Report Date: 06/21/2016
DISCLOSURE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIEDDWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
6 OR MORE
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 252
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 252
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 252
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 252
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE 252
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 252
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 252
Report Date: 06/21/2016
DISCLOSURE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 40900 - SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 42220 - SANTA ROSA, CA
Page 8 of 8
DISPOSITION OF APPLICATIONS
FHA, FSA/RHS & VA ConventionalRefinancings Home Improvement
Loans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 71 205 2922
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1 250
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 81 205 3172
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 71 205 2922
OTHERS, INCLUDING HISPANIC 1 250
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 11 205 252
100-119% OF MSA/MD MEDIAN 3 948
120% OR MORE OF MSA/MD MEDIAN 4 1972
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 1 400
10-19% MINORITY 1 806
20-49% MINORITY 41 205 1464
50-79% MINORITY 2 502
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME 3 910
MIDDLE INCOME 41 205 1456
UPPER INCOME 1 806
TOTAL 14/ 81 205 3172
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
81
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 42220 - SANTA ROSA, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
3172205
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 42220 - SANTA ROSA, CA
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 18 4 2 125 10216 6479 1797 750 1190
120% OR MORE OF MSA/MD MEDIAN 12 4 1 118 8368 4539 2179 460 1190
INCOME NOT AVAILABLE 6/ 22 2381 2381
TOTAL 14/ 20 5 2 128 13317 8860 2517 750 1190
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 16 1 8 3 230 14660 7982 285 3668 2003 722
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 33 1418 1418
MALE 22 918 918
FEMALE
JOINT (MALE/FEMALE) 11 500 500
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 33 1418 1418
MALE 22 918 918
FEMALE
JOINT (MALE/FEMALE) 11 500 500
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 33 1418 1418
MALE 22 918 918
FEMALE
JOINT (MALE/FEMALE) 11 500 500
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 11 460 460
120% OR MORE OF MSA/MD MEDIAN 22 958 958
INCOME NOT AVAILABLE 6/
TOTAL 14/ 33 1418 1418
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 520 520
MALE 11 520 520
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 1970 1970
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 520 520
MALE 11 520 520
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 11 1970 1970
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 520 520
MALE 11 520 520
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 1 12 2490 1970 520
TOTAL 14/ 1 12 2490 1970 520
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 21 1 6 1 231 11957 7497 285 2224 435 1516
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 11 342 342
MALE 11 342 342
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 11 342 342
MALE 11 342 342
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 11 342 342
MALE 11 342 342
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 342 342
INCOME NOT AVAILABLE 6/
TOTAL 14/ 11 342 342
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 338 338
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 338 338
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 338 338
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 252 252
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 252 252
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 252 252
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 15 1728 1438 290
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 250 250
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 5 16 1978 1688 290
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 4 15 1728 1438 290
OTHERS, INCLUDING HISPANIC 11 250 250
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 12 3 1 117 7648 4539 1459 460 1190
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 720 720
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 12 3 1 117 7648 4539 1459 460 1190
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 2 13 688 485 203
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 13 688 485 203
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 2 13 688 485 203
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 14 1 7 3 328 15282 7497 285 3465 2003 2032
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 14 1 7 3 227 13972 7497 285 3465 2003 722
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 460 460
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 460 460
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 460 460
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 958 958
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 22 958 958
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 22 958 958
OTHERS, INCLUDING HISPANIC
33 1418 1418TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 280 280
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 280 280
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 280 280
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 250 250
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 250 250
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC 11 250 250
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 19 1 6 1 229 11427 6967 285 2224 435 1516
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 720 720
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 19 1 6 1 229 11427 6967 285 2224 435 1516
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 342 342
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 342 342
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 342 342
OTHERS, INCLUDING HISPANIC
11 342 342TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 1 12 794 400 394
10-19% MINORITY 4 1 1 17 5218 3103 465 460 1190
20-49% MINORITY 12 3 116 6067 4119 1658 290
50-79% MINORITY 33 1238 1238
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 44 1646 1646
MIDDLE INCOME 13 2 116 5553 4531 732 290
UPPER INCOME 3 3 1 18 6118 2683 1785 460 1190
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 408 408
50-79% MINORITY 33 1238 1238
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY 1 12 794 400 394
10-19% MINORITY 11 420 420
20-49% MINORITY 11 1 113 4339 3711 338 290
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 3 1 1 16 4798 2683 465 460 1190
20-49% MINORITY 22 1320 1320
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
20 5 2 128 13317 8860 2517 750 1190TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 11 458 458
10-19% MINORITY 11 460 460
20-49% MINORITY 11 500 500
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 33 1418 1418
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY 11 458 458
10-19% MINORITY 11 460 460
20-49% MINORITY 11 500 500
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
33 1418 1418TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 12 2490 1970 520
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 520 520
MIDDLE INCOME 11 1970 1970
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 520 520
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 1970 1970
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 2490 1970 520TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 342 342
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 342 342
MIDDLE INCOME
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 342 342
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
11 342 342TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 10
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 10
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 10
OTHERS, INCLUDING HISPANIC
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN 4
120% OR MORE OF MSA/MD MEDIAN 5
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 3
FEMALE
JOINT (MALE/FEMALE) 7
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 1
10-19% MINORITY 2
20-49% MINORITY 6
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 2
MIDDLE INCOME 7
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 4115
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 4115
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 4115
OTHERS, INCLUDING HISPANIC
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 252
100-119% OF MSA/MD MEDIAN 1438
120% OR MORE OF MSA/MD MEDIAN 2425
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 870
FEMALE
JOINT (MALE/FEMALE) 3245
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 400
10-19% MINORITY 1220
20-49% MINORITY 2243
50-79% MINORITY 252
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 660
MIDDLE INCOME 2655
UPPER INCOME 800
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 5
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 5
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 5
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 4
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1
FEMALE 1
JOINT (MALE/FEMALE) 3
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 2
20-49% MINORITY 2
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1
MIDDLE INCOME 3
UPPER INCOME 1
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 3807
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 3807
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 3807
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 205
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 3602
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 792
FEMALE 205
JOINT (MALE/FEMALE) 2810
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 2102
20-49% MINORITY 955
50-79% MINORITY 750
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 750
MIDDLE INCOME 1747
UPPER INCOME 1310
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 1
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 1
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 460
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 460
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 460
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 460
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 460
FEMALE
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 460
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 460
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 42220 - SANTA ROSA, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
Page 2 of 2
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 2 380
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO
NOT HISPANIC OR LATINO 2 380
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 2 380
OTHERS, INCLUDING HISPANIC
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 2 380
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 2 380
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 2 380
UPPER INCOME
TOTAL 14/ 2 380
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
2
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 47300 - VISALIA-PORTERVILLE, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
380
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 47300 - VISALIA-PORTERVILLE, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 12 216 126 90
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 216 126 90
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 12 216 126 90
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 216 126 90
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 1 12 216 126 90
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 216 126 90
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1 12 216 126 90
INCOME NOT AVAILABLE 6/
TOTAL 14/ 1 12 216 126 90
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 8 1 110 1203 905 228 70
MALE 22 380 380
FEMALE 11 121 121
JOINT (MALE/FEMALE) 5 1 17 702 404 228 70
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 8 1 110 1203 905 228 70
MALE 22 380 380
FEMALE 11 121 121
JOINT (MALE/FEMALE) 5 1 17 702 404 228 70
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 8 1 110 1203 905 228 70
MALE 22 380 380
FEMALE 11 121 121
JOINT (MALE/FEMALE) 5 1 17 702 404 228 70
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 8 1 110 1203 905 228 70
INCOME NOT AVAILABLE 6/
TOTAL 14/ 8 1 110 1203 905 228 70
Report Date: 06/21/2016
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 8 1 1 111 1298 910 228 70 90
MALE 22 380 380
FEMALE
JOINT (MALE/FEMALE) 6 1 1 19 918 530 228 70 90
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 8 1 1 111 1298 910 228 70 90
MALE 22 380 380
FEMALE
JOINT (MALE/FEMALE) 6 1 1 19 918 530 228 70 90
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
120% OR MORE OF MSA/MD MEDIAN 8 1 1 111 1298 910 228 70 90
INCOME NOT AVAILABLE 6/
TOTAL 14/ 8 1 1 111 1298 910 228 70 90
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 216 126 90
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 216 126 90
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 216 126 90
OTHERS, INCLUDING HISPANIC
1 12 216 126 90TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 8 1 1 111 1298 910 228 70 90
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 8 1 1 111 1298 910 228 70 90
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 216 126 90
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME
UPPER INCOME 1 12 216 126 90
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 216 126 90
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 216 126 90TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 7 1 19 1082 784 228 70
80-100% MINORITY 11 121 121
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 121 121
MIDDLE INCOME 7 1 19 1082 784 228 70
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 11 121 121
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 7 1 19 1082 784 228 70
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
8 1 110 1203 905 228 70TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 8 1 1 111 1298 910 228 70 90
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 7 1 19 1082 784 228 70
UPPER INCOME 1 12 216 126 90
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 7 1 19 1082 784 228 70
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 1 12 216 126 90
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
8 1 1 111 1298 910 228 70 90TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 1
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE 1
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 1
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 1
MIDDLE INCOME
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 121
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 121
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 121
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 121
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE 121
JOINT (MALE/FEMALE)
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY 121
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 121
MIDDLE INCOME
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 47300 - VISALIA-PORTERVILLE, CA
DISCLOSURE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK
MSA/MD: 49700 - YUBA CITY, CA
Page 6 of 6
SECTION 1 - PROPERTY LOCATED IN MSA/MD WHERE INSTITUTION HAS A HOME OR BRANCH OFFICE
CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional
Refinancings Home ImprovementLoans
Loans on DwellingsFor 5 or More
Families
NonoccupantLoans From
Columns A, B, Cand D
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
A B C D E F
Home Purchase Loans
Loans on 1- to 4-Family and Manufactured Home Dwellings
Loans OnManufactured Home
Dwellings FromColumns A, B, C & D
G
Number $000's
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 3 526
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 201 172 3115
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1 86
RACE NOT AVAILABLE 6/ 1 90
ETHNICITY 7/
HISPANIC OR LATINO 2 242
NOT HISPANIC OR LATINO 211 172 3272
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1 213
ETHNICITY NOT AVAILABLE 6/ 1 90
MINORITY STATUS 8/
WHITE NON-HISPANIC 171 172 2660
OTHERS, INCLUDING HISPANIC 7 1067
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 80
50-79% OF MSA/MD MEDIAN 3 273
80-99% OF MSA/MD MEDIAN 4 440
100-119% OF MSA/MD MEDIAN 61 172 789
120% OR MORE OF MSA/MD MEDIAN 11 2235
INCOME NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 1 62
20-49% MINORITY 16 2330
50-79% MINORITY 81 172 1425
80-100% MINORITY
INCOME 12/ 13/
LOW INCOME
MODERATE INCOME 71 172 794
MIDDLE INCOME 10 1780
UPPER INCOME 8 1243
TOTAL 14/ 251 172 3817
Report Date: 06/21/2016
DISCLOSURE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OFPURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
Number $000's
AFFILIATEINSTITUTION
Number $000's
OTHERPURCHASER
Number $000's
NO REPORTEDPRICING DATA15/
251
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN
MEDIAN
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 49700 - YUBA CITY, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN #
JUNIORLIEN #
Page 1 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN #
JUNIORLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
FIRSTLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
JUNIORLIEN #
NO REPORTEDPRICING DATA15/
3817172
REPORTEDPRICING DATA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
1.50 - 1.99 NA NA NA NA NA NA NA NA NA
2.00 - 2.49 NA NA NA NA NA NA NA NA NA
2.50 - 2.99 NA NA NA NA NA NA NA NA NA
3.00 - 3.49 NA NA NA NA NA NA NA NA NA
3.50 - 4.49
4.50 - 5.49
5.50 - 6.49
6.50 OR MORE
MEAN 30/
MEDIAN 31/
HOEPALOANS 17/
Report Date: 06/21/2016
DISCLOSURE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANKMSA/MD: 49700 - YUBA CITY, CA
PRICING INFORMATION
FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
FIRSTLIEN
$000's
JUNIORLIEN
$000's
Page 2 of 2
INSURANCE CO,CREDIT UNION,
MORTGAGE BK, ORFINANCE CO
AFFILIATEINSTITUTION
OTHERPURCHASER
FIRSTLIEN
$000's
JUNIORLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
FIRSTLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
JUNIORLIEN
$000's
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 2 13 663 588 75
MALE
FEMALE
JOINT (MALE/FEMALE) 2 13 663 588 75
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 7 1 2 111 2371 1576 173 294 328
MALE 1 12 339 166 173
FEMALE 11 199 199
JOINT (MALE/FEMALE) 6 1 18 1833 1410 95 328
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 11 333 333
MALE
FEMALE
JOINT (MALE/FEMALE) 11 333 333
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 80 80
MALE
FEMALE
JOINT (MALE/FEMALE) 11 80 80
NOT HISPANIC OR LATINO (TOTAL) 7 1 2 212 2821 1951 173 294 403
MALE 1 12 339 166 173
FEMALE 11 199 199
JOINT (MALE/FEMALE) 6 1 29 2283 1785 95 403
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
OTHERS, INCLUDING HISPANIC (TOTAL) 4 15 876 801 75
MALE
FEMALE
JOINT (MALE/FEMALE) 4 15 876 801 75
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 1 12 175 80 95
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1 12 349 150 199
100-119% OF MSA/MD MEDIAN 11 166 166
120% OR MORE OF MSA/MD MEDIAN 6 2 210 2677 1768 506 403
INCOME NOT AVAILABLE 6/
TOTAL 14/ 9 2 2 215 3367 2164 506 294 403
Report Date: 06/21/2016
DISCLOSURE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 1 1 13 472 162 195 115
MALE 11 115 115
FEMALE
JOINT (MALE/FEMALE) 1 12 357 162 195
NOT HISPANIC OR LATINO (TOTAL) 19 2 11 3 439 5954 2017 602 2454 380 501
DISCLOSURE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE,ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL) 11 100 100
MALE
FEMALE 11 100 100
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 8 19 1733 1433 300
MALE 11 300 300
FEMALE 11 409 409
JOINT (MALE/FEMALE) 77 1024 1024
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 9 110 1833 1533 300
MALE 11 300 300
FEMALE 22 509 509
JOINT (MALE/FEMALE) 77 1024 1024
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 8 19 1733 1433 300
MALE 11 300 300
FEMALE 11 409 409
JOINT (MALE/FEMALE) 77 1024 1024
OTHERS, INCLUDING HISPANIC (TOTAL) 11 100 100
MALE
FEMALE 11 100 100
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 33 421 421
120% OR MORE OF MSA/MD MEDIAN 6 17 1412 1112 300
INCOME NOT AVAILABLE 6/
TOTAL 14/ 9 110 1833 1533 300
Report Date: 06/21/2016
DISCLOSURE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYRACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/ 1 12 607 257 350
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 1 12 607 257 350
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 1 12 607 257 350
TOTAL 14/ 1 12 607 257 350
Report Date: 06/21/2016
DISCLOSURE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER ANDINCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
RACE NOT AVAILABLE (TOTAL) 6/ 1 1 13 1098 650 333 115
MALE 11 115 115
FEMALE
JOINT (MALE/FEMALE) 11 333 333
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 115 115
MALE 11 115 115
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 15 1 2 3 223 3267 2252 173 435 294 113
MALE 6 1 1 1 110 1196 570 173 300 101 52
FEMALE 1 12 218 100 118
JOINT (MALE/FEMALE) 8 1 1 111 1853 1582 135 75 61
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL)
11 133 133
MALE
FEMALE
JOINT (MALE/FEMALE) 11 133 133
ETHNICITY NOT AVAILABLE (TOTAL) 6/ 1 12 983 650 333
50-79% OF MSA/MD MEDIAN 1 1 1 14 356 62 115 118 61
80-99% OF MSA/MD MEDIAN 1 12 187 135 52
100-119% OF MSA/MD MEDIAN 22 225 225
120% OR MORE OF MSA/MD MEDIAN 13 2 1 218 3080 2098 506 300 176
INCOME NOT AVAILABLE 6/ 11 650 650
TOTAL 14/ 17 2 3 3 227 4498 3035 506 550 294 113
Report Date: 06/21/2016
DISCLOSURE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NATIVE HAWAIIAN/OTHER PACIFIC ISLND (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
WHITE (TOTAL) 1 12 766 671 95
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 766 671 95
2 OR MORE MINORITY RACES (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
JOINT (WHITE/MINORITY RACE) (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
RACE NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
RACE AND GENDER 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 1 12 766 671 95
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 766 671 95
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)(TOTAL) MALE
FEMALE
JOINT (MALE/FEMALE)
ETHNICITY NOT AVAILABLE (TOTAL) 6/
MALE
FEMALE
JOINT (MALE/FEMALE)
MINORITY STATUS 8/ 18/ 19/
WHITE NON-HISPANIC (TOTAL) 1 12 766 671 95
MALE
FEMALE
JOINT (MALE/FEMALE) 1 12 766 671 95
OTHERS, INCLUDING HISPANIC (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
INCOME OF APPLICANTS 9/
LESS THAN 50% OF MSA/MD MEDIAN 11 95 95
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN 11 671 671
INCOME NOT AVAILABLE 6/
TOTAL 14/ 1 12 766 671 95
Report Date: 06/21/2016
DISCLOSURE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
ETHNICITY, GENDER AND INCOME 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 175 80 95
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 80 80
NOT HISPANIC OR LATINO 11 95 95
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 95 95
OTHERS, INCLUDING HISPANIC 11 80 80
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 349 150 199
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 349 150 199
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 349 150 199
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 166 166
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 166 166
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 166 166
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 181 115 66
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 181 115 66
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 181 115 66
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE 11 170 170
ASIAN 1 12 305 244 61
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 4 3 18 1077 326 633 118
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 115 115
ETHNICITY 7/HISPANIC OR LATINO 11 115 115
NOT HISPANIC OR LATINO 4 5 1 111 1552 326 1047 118 61
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
MINORITY STATUS 8/WHITE NON-HISPANIC 3 14 722 374 348
OTHERS, INCLUDING HISPANIC 11 195 195
Report Date: 06/21/2016
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 5 1 17 787 436 250 101
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 6 1 1 1 110 2010 970 352 205 161 322
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 86 86
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO 11 162 162
NOT HISPANIC OR LATINO 10 2 2 115 2303 1117 602 262 322
DISCLOSURE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME,RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 100 100
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 321 321
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 33 421 421
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 22 321 321
OTHERS, INCLUDING HISPANIC 11 100 100
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 6 17 1412 1112 300
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 6 17 1412 1112 300
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 6 17 1412 1112 300
OTHERS, INCLUDING HISPANIC
9 110 1833 1533 300TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYINCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 11 61 61
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 180 62 118
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 11 115 115
ETHNICITY 7/HISPANIC OR LATINO 11 115 115
NOT HISPANIC OR LATINO 1 1 13 241 62 118 61
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 180 62 118
OTHERS, INCLUDING HISPANIC 1 12 176 115 61
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 1 12 187 135 52
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1 12 187 135 52
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1 12 187 135 52
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 22 225 225
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 22 225 225
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 22 225 225
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 6 28 912 736 176
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 6 1 18 1749 1276 173 300
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 86 86
RACE NOT AVAILABLE 6/ 11 333 333
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 12 1 1 216 2614 1965 173 300 176
DISCLOSURE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 95 95
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 95 95
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 95 95
OTHERS, INCLUDING HISPANIC
50-79% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
100-119% OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC
OTHERS, INCLUDING HISPANIC
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 671 671
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 671 671
JOINT (HISPANIC OR LATINO/ NOT HISPANIC ORLATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 671 671
OTHERS, INCLUDING HISPANIC
1 12 766 671 95TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
INCOME, RACE AND ETHNICITY (CONTINUED)
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 1 12 999 671 328
20-49% MINORITY 6 2 1 110 1715 1039 506 95 75
50-79% MINORITY 2 13 653 454 199
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 4 15 851 756 95
MIDDLE INCOME 4 1 27 1877 1275 199 403
UPPER INCOME 1 23 639 133 506
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 4 15 851 756 95
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 1 12 999 671 328
20-49% MINORITY 1 12 225 150 75
50-79% MINORITY 2 13 653 454 199
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 1 23 639 133 506
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
9 2 2 215 3367 2164 506 294 403TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
DISCLOSURE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 55 776 776
50-79% MINORITY 4 15 1057 757 300
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME
MIDDLE INCOME 6 17 1377 1077 300
UPPER INCOME 33 456 456
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 22 320 320
50-79% MINORITY 4 15 1057 757 300
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 33 456 456
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
9 110 1833 1533 300TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BYCHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 257 257
50-79% MINORITY 11 350 350
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 350 350
MIDDLE INCOME 11 257 257
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY 11 350 350
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 257 257
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 607 257 350TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACTIN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 671 671
20-49% MINORITY 9 2 1 214 2505 1671 506 135 193
50-79% MINORITY 7 2 1 212 1322 693 415 101 113
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 9 110 1105 1004 101
MIDDLE INCOME 5 2 1 19 1665 1114 415 75 61
UPPER INCOME 3 2 1 1 18 1728 917 506 135 118 52
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 66 754 754
50-79% MINORITY 3 14 351 250 101
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 671 671
20-49% MINORITY 11 75 75
50-79% MINORITY 4 2 17 919 443 415 61
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 3 2 1 17 1676 917 506 135 118
50-79% MINORITY 11 52 52
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
17 2 3 3 227 4498 3035 506 550 294 113TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS,1- TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY 11 671 671
20-49% MINORITY 11 95 95
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 11 95 95
MIDDLE INCOME 11 671 671
UPPER INCOME
INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/
LOW INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
MODERATE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 95 95
50-79% MINORITY
80-100% MINORITY
MIDDLE INCOME
LESS THAN 10% MINORITY
10-19% MINORITY 11 671 671
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
UPPER INCOME
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
SMALL COUNTY
ALL OTHER TRACTS 21/
1 12 766 671 95TOTAL 14/
Report Date: 06/21/2016
DISCLOSURE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOMEDWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
TYPE OF CENSUS TRACT 10/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 4
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 4
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 3
OTHERS, INCLUDING HISPANIC 2
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 1
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 1
100-119% OF MSA/MD MEDIAN 1
120% OR MORE OF MSA/MD MEDIAN 2
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 1
FEMALE
JOINT (MALE/FEMALE) 4
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 3
50-79% MINORITY 2
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 2
MIDDLE INCOME 3
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 288
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 657
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/
HISPANIC OR LATINO 80
NOT HISPANIC OR LATINO 865
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/
WHITE NON-HISPANIC 577
OTHERS, INCLUDING HISPANIC 368
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 80
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN 150
100-119% OF MSA/MD MEDIAN 166
120% OR MORE OF MSA/MD MEDIAN 549
INCOME NOT AVAILABLE 6/
GENDER 19/
MALE 166
FEMALE
JOINT (MALE/FEMALE) 779
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 491
50-79% MINORITY 454
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 341
MIDDLE INCOME 604
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTUREDHOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/
HOEPALOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 11
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 1
ETHNICITY 7/HISPANIC OR LATINO 1
NOT HISPANIC OR LATINO 10
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
1
ETHNICITY NOT AVAILABLE 6/ 1
MINORITY STATUS 8/WHITE NON-HISPANIC 9
OTHERS, INCLUDING HISPANIC 3
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 3
80-99% OF MSA/MD MEDIAN 3
100-119% OF MSA/MD MEDIAN 2
120% OR MORE OF MSA/MD MEDIAN 5
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 1
FEMALE 5
JOINT (MALE/FEMALE) 6
GENDER NOT AVAILABLE 6/ 1
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 1
20-49% MINORITY 9
50-79% MINORITY 3
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 2
MIDDLE INCOME 4
UPPER INCOME 7
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 138
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1436
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 90
ETHNICITY 7/HISPANIC OR LATINO 162
NOT HISPANIC OR LATINO 1199
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
213
ETHNICITY NOT AVAILABLE 6/ 90
MINORITY STATUS 8/WHITE NON-HISPANIC 1061
OTHERS, INCLUDING HISPANIC 513
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN 264
80-99% OF MSA/MD MEDIAN 290
100-119% OF MSA/MD MEDIAN 274
120% OR MORE OF MSA/MD MEDIAN 836
INCOME NOT AVAILABLE 6/
GENDER 19/MALE 113
FEMALE 539
JOINT (MALE/FEMALE) 922
GENDER NOT AVAILABLE 6/ 90
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY 62
20-49% MINORITY 1155
50-79% MINORITY 447
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 262
MIDDLE INCOME 375
UPPER INCOME 1027
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 5
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 6
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 5
OTHERS, INCLUDING HISPANIC 1
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 2
120% OR MORE OF MSA/MD MEDIAN 4
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE 2
JOINT (MALE/FEMALE) 4
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 5
50-79% MINORITY 1
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 3
UPPER INCOME 3
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN 100
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFICISLND
WHITE 1085
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 1185
JOINT (HISPANIC OR LATINO/ NOTHISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 1085
OTHERS, INCLUDING HISPANIC 100
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN 296
120% OR MORE OF MSA/MD MEDIAN 889
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE 509
JOINT (MALE/FEMALE) 676
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 776
50-79% MINORITY 409
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME
MIDDLE INCOME 729
UPPER INCOME 456
Report Date: 06/21/2016
DISCLOSURE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1- TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BYBORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA
PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/HOEPA
LOANS 17/
$000's
BORROWER CHARACTERISTICS
RACE 5/AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NATIVE HAWAIIAN/OTHER PACIFIC ISLND
WHITE 11 95 95
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/
ETHNICITY 7/HISPANIC OR LATINO
NOT HISPANIC OR LATINO 11 95 95
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/
MINORITY STATUS 8/WHITE NON-HISPANIC 11 95 95
OTHERS, INCLUDING HISPANIC
INCOME 9/LESS THAN 50% OF MSA/MD MEDIAN 11 95 95
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/
GENDER 19/MALE
FEMALE
JOINT (MALE/FEMALE) 11 95 95
GENDER NOT AVAILABLE 6/
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/LESS THAN 10% MINORITY
10-19% MINORITY
20-49% MINORITY 11 95 95
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/LOW INCOME
MODERATE INCOME 11 95 95
MIDDLE INCOME
UPPER INCOME
Report Date: 06/21/2016
DISCLOSURE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIEDDWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2015
INSTITUTION: 0000021943 - 3 TRI COUNTIES BANK MSA/MD: 49700 - YUBA CITY, CA