The Board evaluates a small bank's history of assisting to meet the credit history requirements of its full community pursuant to your Little Lender Lending Test as presented in paragraph (a)(two) of this portion, Unless of course the little financial institution opts to become evaluated pursuant to your Retail Lending Exam in § 228.22.
The Board evaluates a financial institution's department availability and expert services in a facility-primarily based evaluation space according to the next:
관심 분야의 기사, 블로그 콘텐츠부터 숏폼, 쇼핑까지 다양한 콘텐츠를 이용할 수 있습니다.
(i) The range and share of originations and apps of the large financial institution's property home finance loan loans by borrower or applicant revenue amount, race, and ethnicity;
indicates, notwithstanding the definition of “compact organization” On this portion, a loan included in “loans to compact firms” as described in Routine RC-C of the decision Report.
The Board considers the branch availability and expert services provided at branches of banks that work one or more branches pursuant to paragraph (b)(two) of this section.
(i) An intermediate bank's Group improvement overall performance is evaluated pursuant to the subsequent criteria:
) Advantages or serves one or more geographic regions with minimal levels of Neighborhood progress funding;
A lender or savings Affiliation's report of performance often is the basis for denying or conditioning approval of the software detailed in paragraph (a) of the section.
(seven) Information indicating which the credit demands of the ability-centered assessment region or retail lending evaluation region aren't becoming fulfilled by lenders within the mixture, such that the applicable benchmarks tend not to sufficiently reflect community credit history demands.
(5) Are provided to pupils or their households through a university at which the vast majority of pupils qualify totally free or lowered-rate foods beneath the U.S. Office of Agriculture's Nationwide Faculty Lunch System;
A large financial institution have more info to accumulate and manage, in the structure on the financial institution's picking out or inside of a standardized structure, as furnished by the Board, until the completion from the bank's subsequent CRA examination in which the data are evaluated, the following Group enhancement services details:
The Board considers The supply of distant assistance facilities in the next geographic spots:
When assigning rankings, the Board considers a financial institution's past functionality. If a financial institution's prior score was “Desires to enhance,” the Board may identify that a “Significant Noncompliance” ranking is acceptable where the financial institution unsuccessful to further improve its functionality For the reason that earlier evaluation period of time, with no satisfactory basis for these failure.