A lender might specify different weights for averaging take a look at efficiency throughout evaluation locations or other geographic regions. These substitute weights have to be based upon the bank's capacity and Local community wants and possibilities in specific geographic areas.
(two) A retail lending evaluation spot may well not increase beyond a Point out boundary Except the retail lending assessment place is made of counties in a multistate MSA.
The Board fees the functionality of an intermediate financial institution evaluated less than this area as provided in appendix D to this portion.
The Board may think about a financial institution's Group enhancement loans, Neighborhood improvement investments, and Group improvement solutions delivered outside of its facility-based assessment areas, as provided With this aspect.
네이버 검색창에 원하는 키워드를 입력하면 관련 정보를 빠르게 찾아볼 수 있습니다.
The Board may perhaps regulate a little financial institution ranking from “Satisfactory” to “Excellent” for the institution level exactly where the bank requests and gets supplemental consideration for the subsequent things to do, devoid of regard to whether or not the exercise is in a number of of the bank's facility-based evaluation places, as relevant:
Pursuant to § 228.28 and appendix D to this section, the Board incorporates a lender's Retail Lending Exam conclusions into its State or multistate MSA rankings, as relevant, and its establishment score.
Buys of property finance loan-backed securities where a vast majority from the fundamental loans aren't loans the lender originated or acquired and:
means a loan to a number of folks for home, spouse and children, or other particular expenditures Which is probably the subsequent types of loans:
Pursuant to § 228.28 and paragraph f of appendix D to this portion, the Board incorporates the conclusions of the financial institution evaluated less than an accepted system into its Point out or multistate MSA scores, as relevant, and its institution rating, accounting for paragraph g.2 of appendix D to this portion, as relevant.
Affiliated depository establishments supervised by the exact same Federal fiscal supervisory agency may perhaps put together a joint plan, delivered the strategy features, for each lender, the relevant effectiveness exams that may use in the absence of an authorized system.
) of this segment in precisely the same calendar calendar year, of the Local community progress loan refinanced or renewed in a very calendar year subsequent into the calendar year of origination or order, as of December 31 of your calendar calendar year for on a yearly basis which the loan stays about the financial institution's stability sheet; or an present Group progress investment renewed inside of a 12 months subsequent on the yr the investment decision was produced as of December 31 for every year which the expenditure remains on the lender's stability sheet.
For automobile loans, the Board compares a financial institution's geographic and borrower distributions into the applicable Neighborhood benchmarks, as more info delivered in paragraph (f) of this part and portion VI of appendix A to this element.
has the same meaning as that term is described from the Director with the Business of Management and Spending budget.