228 loan - An Overview
228 loan - An Overview
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) Community improvement loan or community growth investment element, which include the specific type of funding and kind of entity supported (
(two) A retail lending assessment space may well not extend over and above a Condition boundary Except if the retail lending assessment spot is made of counties inside of a multistate MSA.
The Board premiums the overall performance of an intermediate financial institution evaluated less than this section as presented in appendix D to this part.
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For each significant merchandise line, a Geographic Community Benchmark, calculated pursuant to paragraph III.c of appendix A to this component for facility-dependent evaluation parts and retail lending evaluation regions, and paragraph III.e of appendix A to this section for out of doors retail lending places.
(iv) Whether or not to solicit supplemental general public enter or demand the lender to provide any added response to public enter now been given.
A bank will have to delineate one or more facility-based mostly assessment parts inside of which the Board evaluates the lender's report of helping to satisfy the credit rating desires of its full community pursuant towards the functionality checks and strategic plan explained in § 228.21.
indicates a financial institution, excluding a lender specified like a constrained function lender pursuant to § 228.26, that experienced assets of no less than $2 billion as of December 31 in each of your prior two calendar several years. The Board adjusts and publishes the determine In this particular definition each year, based on the year-to-yr adjust in the common of The buyer Price tag Index for Urban Wage Earners and Clerical Employees, not seasonally altered, for every twelve-month interval ending in November, with rounding to the closest million.
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Affiliated depository institutions supervised by exactly the same Federal monetary supervisory company may well put together a joint program, offered that the approach incorporates, for every financial institution, the applicable performance assessments that will use within the absence of the authorized approach.
The skin retail lending region is comprised of ingredient geographic locations. A part geographic region is any MSA or maybe the nonmetropolitan region of any Condition, or part thereof, included inside of the outside retail lending spot.
(ii) The Board considers an intermediate bank's Local community advancement loans, community growth investments, and Neighborhood development expert services with no regard to whether or not the activity is designed in a number of in the lender's facility-based mostly evaluation locations. The extent with the Board's consideration of community growth loans, Group enhancement investments, and community advancement products and services beyond the bank's facility-primarily based assessment locations will count on the adequacy on the lender's responsiveness to Group development wants and prospects throughout the financial institution's facility-centered evaluation spots and relevant efficiency context data.
The Board considers the weighted regular of the efficiency scores similar to the financial institution's Group Enhancement Financing Check conclusions for its facility-primarily based evaluation regions within the click here multistate MSA, calculated pursuant to portion IV of appendix B to this portion.