228 loan Options
228 loan Options
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(ii) All of the counties from the nonmetropolitan region of the Point out (utilizing the MSA boundaries which were in effect as of January one of the calendar year by which the delineation applies), excluding:
When applying performance exams and strategic plans pursuant to paragraph (a) of this area, and when deciding no matter if to approve a strategic approach pursuant to § 228.
Aside from a small lender that opts to generally be evaluated pursuant for the Retail Lending Exam in § 228.22, the Board assigns conclusions for the effectiveness of a little lender evaluated less than this section as furnished in appendix E to this component.
The Board uses the retail lending assessment locations delineated by a substantial financial institution in its analysis from the financial institution's closed-conclude property mortgage loan lending and compact enterprise lending general performance unless the Board decides which the retail lending evaluation spots don't adjust to the requirements of the section.
The Board evaluates a military financial institution pursuant for the applicable overall performance checks explained in paragraph (a) of this section.
The Board may perhaps alter a small lender rating from “Satisfactory” to “Exceptional” with the establishment level where the lender requests and gets more thing to consider for the following functions, devoid of regard to whether or not the exercise is in one or more of the bank's facility-based assessment regions, as applicable:
The Nationwide Asset-Centered Neighborhood Enhancement Financing Benchmark measures the greenback volume of Group development loans and Group advancement investments that profit or serve all or Element of the nationwide region of all depository institutions that reported pursuant to § 228.
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) The superb harmony of a community growth loan originated, purchased, refinanced, or renewed in past a long time or Group growth expenditure produced or renewed in preceding years, as of December 31 for each and every year that the loan or financial commitment remains to the lender's balance sheet; or
The Board evaluates The supply and responsiveness of the bank's digital delivery methods along with other supply techniques, like to lower- and moderate-earnings people, families, or homes on the establishment amount by looking at:
(A) For each of a bank's facility-primarily based assessment parts within an MSA, the MSA Nationwide Neighborhood Advancement Financing Benchmark measures the dollar quantity of community improvement loans and Neighborhood development investments that profit or serve MSAs from the nationwide space for all large depository establishments when compared with deposits situated in the MSAs during the nationwide space for all large depository institutions.
The Board evaluates a minimal purpose financial institution's community enhancement financing effectiveness inside of a facility-based assessment location and assigns a conclusion in the power-centered evaluation area depending on the check here Board's:
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(1) For banks that maintain a web site, all information and facts demanded with the financial institution's public file under this part need to be taken care of to the financial institution's Internet site.