228 loan - An Overview
228 loan - An Overview
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A lender may perhaps specify alternate weights for averaging exam performance throughout evaluation spots or other geographic places. These alternate weights must be determined by the bank's potential and Neighborhood needs and alternatives in precise geographic places.
(ii) The retail banking providers and retail banking products and solutions demands of its facility-based evaluation regions and with the establishment amount which can be protected from the system.
Apart from as in any other case furnished During this area, a lender need to ensure that its public file incorporates the knowledge needed by this section for each on the past a few calendar decades, with The newest calendar year A part of its file each year by April 1 of the current calendar yr.
(B) The Board evaluates the little lender to the evaluation period of time previous the bank's future CRA assessment pursuant to your Retail Lending Examination in § 228.22 and proceeds evaluations beneath this efficiency test for subsequent evaluation durations until finally the lender opts out.
(ix) An indicator for if the loan was to a company or farm with gross yearly revenues bigger than $one million; and
(A) Brings together the efficiency scores for every supporting conclusion for every big products line into an item line score; and
When you've got queries with the Agency that issued The existing doc please Speak to the company instantly.
The Board critiques the impact and responsiveness of the financial institution's Group growth loans and Group development investments that advantage or provide the nationwide place, as delivered in § 228.fifteen.
To judge a lender's retail banking companies, the Board considers a financial institution's branch availability and companies offered at branches, remote assistance facility availability, and digital delivery techniques as well as other shipping systems, as follows:
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(B) A lender aside from a big lender may possibly contain a Group progress providers ingredient and accompanying annual measurable aims in its strategy.
(x) An indicator for whether the loan was to a business or farm for which gross once-a-year revenues are not recognized through the bank.
Notwithstanding the requirements of the part, a military services lender whose shoppers are usually not Positioned within just an outlined geographic location could delineate the complete America and its territories as its sole facility-based here mostly assessment area.
(x) An indicator for whether or not the loan was to a company or farm for which gross yearly revenues usually are not identified through the bank.