228 loan - An Overview
228 loan - An Overview
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A financial institution may possibly specify different weights for averaging exam performance throughout assessment locations or other geographic areas. These choice weights has to be according to the bank's capability and Local community desires and options in specific geographic locations.
(iii) Any conditions outside of the Charge of the bank, which include economic ailments or other marketplace factors or activities, which have adversely impacted the lender's ability to complete.
If a navy financial institution delineates your complete United States and its territories as its sole facility-primarily based assessment area pursuant to § 228.sixteen(d), the Board evaluates the financial institution exclusively on the institution stage based upon its effectiveness in its sole facility-centered evaluation location.
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) Distinct specifics of the greenback quantity of the Local community enhancement loan or Neighborhood progress expense that was allocated to each county served with the loan or financial investment, if obtainable.
(ii) From the prior two calendar yrs, the financial institution originated or obtained outside the bank's facility-primarily based evaluation spots greater than fifty % of your lender's property property finance loan loans, multifamily loans, modest business loans, tiny farm loans, and automobile loans if auto loans are a product line for the financial institution, as described in paragraph II.a.2 of appendix A to this aspect.
(two) The dispersion of a lender's closed-end dwelling property finance loan lending, compact business enterprise lending, modest farm lending, or automobile lending inside of a facility-based mostly assessment place to determine whether more info there are actually gaps in lending that are not explained by effectiveness context;
The Board opinions the impression and responsiveness on the financial institution's community improvement loans and Group progress investments that reward or serve the nationwide area, as delivered in § 228.15.
The Board assessments the impact and responsiveness from the financial institution's community advancement loans and Neighborhood enhancement investments that benefit or provide a multistate MSA, as furnished in § 228.15.
The bank allocates the deposits for which a deposit locale is not really accessible to the nationwide location. Annual deposits needs to be calculated dependant on normal everyday balances as supplied in statements which include regular or quarterly statements. Every other bank that opts to gather and maintain the info In this particular paragraph (a)(seven) must do this in the identical kind and for a similar period as described During this paragraph (a)(7).
(five) Are delivered to learners or their families via a university at which nearly all pupils qualify without spending a dime or lowered-value meals underneath the U.S. Department of Agriculture's Countrywide School Lunch Program;
Any facility-centered evaluation area, retail lending evaluation location, outside retail lending spot, or other geographic area that would be evaluated inside the absence of an authorised system, but just isn't A part of an accepted plan, might be evaluated pursuant for the overall performance assessments that would use in the absence of an permitted strategy.
A bank ought to maintain a public file, in both paper or digital structure, that features the next information and facts:
(x) An indicator for if the loan was to a business or farm for which gross yearly revenues are not identified through the financial institution.