228 loan - An Overview
228 loan - An Overview
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means credit history and deposit products or systems that aid a lending or depository marriage amongst the lender and individuals, modest enterprises, or compact farms.
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Aside from a little lender that opts to be evaluated pursuant for the Retail Lending Examination in § 228.22, the Board assigns conclusions for the performance of a little financial institution evaluated below this part as offered in appendix E to this aspect.
To establish supporting conclusions for geographic distributions of closed-conclusion property mortgage loan loans, small small business loans, and compact farm loans, the Board evaluates the bank's general performance by comparing the Geographic Lender Metric to functionality ranges, determined by the Geographic Current market Benchmark, the Geographic Community Benchmark, and multipliers, as described in paragraphs V.b and V.c of appendix A to this section.
) Distinct information about the dollar degree of the community advancement loan or Group development expenditure which was allocated to each county served because of the loan or investment, if out there.
A financial institution subject to this component may possibly request which the Board verify that a loan, investment decision, or company is eligible for community advancement thought by submitting a ask for to, and in a format prescribed by, the Board.
Should you have questions for the Agency that issued The existing document be sure to Get hold of the agency specifically.
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(three) The variety and greenback volume of tiny company loans and modest farm loans Positioned inside Each and every facility-based evaluation space and retail lending assessment region noted because of the lender and also the range and greenback quantity of tiny business enterprise loans and compact farm loans Found beyond the power-based mostly assessment areas and retail lending evaluation regions claimed because of the bank; and
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A little financial institution, or possibly a bank that was a small financial institution during the prior calendar yr, must contain in its community file the financial institution's loan-to-deposit ratio for every quarter from the prior calendar 12 months and, at its option, additional data on its loan-to-deposit ratio.
(four) The range and dollar volume of Local community growth loans and community advancement investments claimed as originated or procured within Just about every facility-based evaluation region, Each individual State through which the bank features a branch, Each individual multistate MSA in which a financial institution contains a department in two or maybe more States from the multistate MSA, and nationwide space beyond these States and multistate MSAs.
(B) A big bank may perhaps modify the Retail Expert services and Items Exam by getting rid of a component of your examination.
The Board evaluates a limited read more goal lender's Group improvement financing effectiveness while in the nationwide place, pursuant to § 228.19, and assigns a summary for that institution based upon the Board's consideration of the following two components: