Fractions are calculated separately for each of the three ratings categories shown: Outstanding, Satisfactory and Needs to Improve. A performance level of zero represents the point that best distinguishes between assessment areas which received high and low ratings on the lending test, according to staff analysis.
BOARD OF GOVERNORS of the FEDERAL RESERVE SYSTEM  3  Figure 4: Tailoring Thresholds is Important because LMI Shares Differ Across Geographies Percentage of LMI Families by County  Note: Morgan County and O’Brien County represent the 90th and 10th percentile, respectively, of the fraction of families per county that are LMI.