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When calculating the Loan to Deposit ratios for the CRA Public file do you use the year to date quarterly average of the net of total loans less reserve for loan loss divided by the year to date average of total deposits or the actual amounts on the last day of the quarter?
See page 22 of the CRA Q&A, 26(b)(1)-1: https://www.ffiec.gov/cra/pdf/2010-4903.pdf.
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