Not known Details About 228 loan
Not known Details About 228 loan
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(ii) Every one of the counties in the nonmetropolitan region of a Condition (using the MSA boundaries which were in effect as of January one in the calendar 12 months where the delineation applies), excluding:
usually means a bank that's not in the business enterprise of extending shut-close dwelling mortgage loan loans, smaller small business loans, modest farm loans, or automobile loans evaluated less than § 228.
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For a small bank evaluated under the Small Bank Lending Check, the Board premiums the lender's general performance underneath this portion as presented in appendix E to this aspect.
(i) A lender may include effectiveness analysis components and accompanying once-a-year measurable targets For extra geographic parts but may not do away with the analysis of its functionality in any geographic spot that would be A part of its performance evaluation while in the absence of an accepted program.
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(3) A small company loan or small farm loan is located while in the census tract the place the most crucial enterprise facility or farm is situated or where the borrower will or else use the loan proceeds, as indicated by the borrower.
(3) The range and dollar volume of modest organization loans and smaller farm loans located inside of Each and every facility-based mostly evaluation location and retail lending assessment space noted by the bank and also the amount and dollar volume of modest organization loans and smaller farm loans Found outside of the facility-centered evaluation areas and retail lending evaluation spots claimed with the bank; and
) of the part, a financial institution may possibly deliver diverse weights for averaging jointly the performance throughout these loan merchandise and may contain All those loan products and solutions during the numerator of the Bank Volume Metric.
Affiliated depository establishments supervised by the same Federal fiscal supervisory agency could get ready a joint plan, presented that the program involves, for every financial institution, the applicable functionality assessments that might utilize from the absence of an accepted strategy.
(4) The variety and dollar volume of community improvement loans and Neighborhood development investments noted as originated or bought inside of Each and every facility-centered assessment region, each Condition wherein the bank features a department, each multistate MSA during which a financial institution provides a department in two or more States with the multistate MSA, and nationwide place beyond these States and multistate MSAs.
(ii) The Board considers an intermediate lender's Group growth loans, Neighborhood advancement investments, and community growth companies devoid of regard to whether the exercise is manufactured in one or more in the financial institution's facility-centered evaluation places. The extent with the Board's thing to consider of Local community growth loans, Group growth investments, and Neighborhood growth companies beyond the lender's facility-dependent assessment locations will depend on the adequacy on the lender's responsiveness to Neighborhood improvement requirements and options in the bank's facility-dependent assessment areas and applicable performance context facts.
A financial institution will read more have to keep a public file, in either paper or electronic structure, that features the next information and facts: