The Board assessments the affect and responsiveness in the bank's Local community advancement loans and Group enhancement investments that advantage or provide the nationwide region, as offered in § 228.fifteen.
(6) A map of each facility-dependent evaluation location and, as relevant, Each and every retail lending evaluation space showing the boundaries of the world and pinpointing the census tracts contained in the area, either to the map or inside of a separate listing; and
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An intermediate lender or a little lender for which auto loans are an item line may possibly gather and retain inside of a structure of the bank's deciding on, like in an Digital variety prescribed by the Board, right until the completion from the lender's upcoming CRA evaluation where the info are evaluated, the info explained in paragraphs (a)(two)(iii)(A) by way of (F) of the part for each vehicle loan originated or procured because of the bank through the analysis period.
(ix) An indicator for if the loan was to a company or farm with gross yearly revenues larger than $1 million; and
In the event the Board receives a general public remark once the near date of a financial institution's CRA examination, it will be viewed as in reference to the lender's subsequent CRA evaluation.
Pursuant to § 228.28 and appendix D to this portion, the Board incorporates a lender's Retail Lending Exam conclusions into its Point out or multistate MSA ratings, as applicable, and its establishment ranking.
(ii) Any county inside a nonmetropolitan area where the bank didn't originate or order any shut-stop house home loan loans, little business loans, modest farm loans, or automobile loans if vehicle loans are an item line with the lender.
The Board assigns conclusions to a big lender's or constrained purpose financial institution's general performance over the applicable assessments described in paragraph (a) of this portion pursuant to § 228.28 and appendix C to this portion. The Board assigns conclusions to a little financial institution's or intermediate financial institution's overall performance to the relevant exams explained in paragraph (a) of this area pursuant to § 228.
) of this part, a bank may possibly give unique weights for averaging collectively the overall performance across these loan solutions and will involve These loan items while in the numerator with the Lender Volume Metric.
(B) A bank besides a substantial financial institution may incorporate a Group advancement services ingredient and accompanying annual measurable targets in its system.
(3) The number of lenders whose home home finance loan loans, multifamily loans, compact business loans, and small farm loans and deposits data are made use of to establish the applicable Retail Lending Quantity Threshold, geographic distribution market place benchmarks, and borrower distribution industry benchmarks;
(ii) The Board considers an intermediate financial institution's community development loans, Local community improvement investments, and Group advancement services without regard to if the exercise is manufactured in a number of in the bank's facility-primarily based evaluation places. The extent of your Board's consideration of Local community development loans, Neighborhood growth investments, and Local community improvement products and services outside of the bank's facility-primarily based assessment regions will depend on 228 loan the adequacy on the lender's responsiveness to Group development wants and prospects throughout the lender's facility-centered assessment areas and applicable efficiency context details.
(one) For banking companies that manage a web site, all information required for the lender's community file less than this portion needs to be managed about the financial institution's Site.