228 loan - An Overview
228 loan - An Overview
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The Board evaluates a financial institution's department availability and products and services in a very facility-dependent assessment region determined by the subsequent:
If a army bank delineates all the U . s . and its territories as its sole facility-centered evaluation spot pursuant to § 228.16(d), the Board evaluates the financial institution solely with the institution level according to its effectiveness in its sole facility-dependent assessment area.
The Board may take into consideration a lender's community growth loans, Group enhancement investments, and Group growth companies delivered outside of its facility-dependent evaluation areas, as offered During this component.
The Board opinions the effect and responsiveness of the bank's Local community enhancement loans and community enhancement investments that gain or serve a facility-based mostly assessment region, as provided in § 228.15.
The Board evaluates a significant financial institution's record of helping to meet the credit rating requirements of its full Neighborhood in its outside the house retail lending location pursuant to § 228.
implies a lender's loans in a single of the next, different categories in a specific Retail Lending Take a look at Area:
(three) A small small business loan or modest farm loan is located while in the census tract exactly where the primary business enterprise facility or farm is located or the place the borrower will otherwise utilize the loan proceeds, as indicated from the borrower.
The Lender Evaluation Spot Local community Development Financing Metric measures the dollar quantity of the financial institution's Local community development loans and Neighborhood enhancement investments that profit or provide a facility-based assessment location in comparison to deposits while in the lender that are located in the ability-dependent assessment spot, calculated pursuant to paragraph II.a of appendix B to this component.
For a considerable lender that had assets greater than $ten billion as of December 31 in both equally on the prior two calendar a long time, the Bank Nationwide Local community Growth Expenditure Metric measures the greenback volume of the financial institution's Neighborhood development investments that profit or serve all or A part of the nationwide space, excluding property finance loan-backed securities, as compared to the deposits while in the lender situated in the nationwide location, calculated pursuant to paragraph II.m of appendix B to this part.
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A lender's strategy have to get more info provide a justification that demonstrates the necessity for the subsequent facets of a prepare due to the bank's enterprise model (
(x) An indicator for whether or not the loan was to a company or farm for which gross yearly revenues are certainly not recognised by the bank.