About 228 loan
(1) Information and facts indicating that a bank ordered shut-finish residence property finance loan loans, compact company loans, modest farm loans, or vehicle loans for the only real or Major purpose of inappropriately enhancing its retail lending effectiveness, including, although not limited to, details indicating subsequent resale of these types of loans or any indication that this sort of loans are thought of in several depository establishments' CRA evaluations, by which case the Board will not take into account these types of loans within the bank's efficiency evaluation;(1) Consideration of your dollar volume in the minimal function bank's Group growth loans and Neighborhood enhancement investments that gain or serve the ability-primarily based evaluation region; and
Except for a small bank that opts for being evaluated pursuant on the Retail Lending Take a look at in § 228.22, the Board assigns conclusions with the efficiency of a small lender evaluated underneath this part as furnished in appendix E to this section.
A financial institution that features modified or extra general performance evaluation elements with accompanying yearly measurable plans in its program ought to specify in its strategy annual measurable aims that represent “Satisfactory” overall performance and should specify yearly measurable plans that represent “Excellent” effectiveness.
(i) The public's involvement in formulating the draft approach, which includes precise info regarding the customers of the general public and organizations the bank contacted And just how the lender gathered info appropriate into the draft strategy;
The Board considers the weighted common of the effectiveness scores comparable to the lender's Community Growth Funding Exam conclusions for its facility-centered assessment locations inside the Point out, pursuant to portion IV of appendix B to this element.
(3) Rewards or serves one or more geographic places with minimal levels of community growth financing;
(ii) Any county within a nonmetropolitan location in which the financial institution didn't originate or purchase any closed-finish household mortgage loans, little enterprise loans, little farm loans, or auto loans if automobile loans are an item line for the financial institution.
The Board evaluates a bank's Neighborhood development products and services functionality inside of a Point out or multistate MSA, as applicable, or nationwide place, and assigns a conclusion for the people areas, determined by the next two elements:
(i) All the knowledge essential with the lender's general public file needs to be managed at the main Workplace and, if an interstate bank, at a single branch Workplace in Every single Condition; and
) The amount of examining and financial savings accounts opened digitally and thru other delivery techniques that are Energetic at the conclusion of each calendar yr by census tract profits level for each calendar 12 months.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 more info 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(B) A bank might specify working with belongings as an alternative denominator for any Local community development financing metric if it far better actions a financial institution's ability.
indicates a staffed banking facility, no matter whether shared or unshared, the Board accepted or authorized as being a department and that's open to, and accepts deposits from, the general public.