The Board evaluates a bank's retail banking goods supplied inside the financial institution's facility-centered evaluation locations and nationwide, as applicable, with the establishment stage as follows:
(six) A map of each facility-dependent evaluation area and, as relevant, Each individual retail lending evaluation place demonstrating the boundaries of the region and identifying the census tracts contained in the area, possibly on the map or inside a independent listing; and
Apart from a small bank that opts for being evaluated pursuant on the Retail Lending Take a look at in § 228.22, the Board assigns conclusions for that effectiveness of a small bank evaluated under this section as supplied in appendix E to this part.
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suggests, notwithstanding the definition of “little small business” Within this part, a loan A part of “loans to small organizations” as claimed in Routine RC-C of the Call Report.
To develop supporting conclusions for borrower distributions of closed-finish property mortgage loans, little organization loans, and compact farm loans, the Board evaluates the lender's efficiency by comparing the Borrower Financial institution Metric to functionality ranges, based upon the Borrower Sector Benchmark, Borrower Group Benchmark, and multipliers, as explained in paragraphs V.d and V.e of appendix A to this aspect.
(three) Benefits or serves a number of geographic areas with lower levels of Neighborhood growth funding;
) A financial institution may possibly use different weights for combining the borrower and geographic distribution analyses for main merchandise line(s) or other loan products and solutions.
The Lender Evaluation Space Group Development Funding Metric steps the greenback quantity of a bank's community development loans and community development investments that benefit or provide a facility-based mostly assessment region as compared to deposits during the financial institution that are located in the facility-based mostly assessment space, calculated pursuant to paragraph II.a of appendix B to this section.
Should you have issues for that Agency that issued the current doc remember to Make contact with the agency specifically.
A small financial institution, or maybe a bank that was a small financial institution in the prior calendar year, need to include things like in its general public file the lender's loan-to-deposit ratio for every quarter from the prior calendar yr and, at its selection, supplemental data on its loan-to-deposit ratio.
If you have issues for your Company that issued the current doc please Get hold of the agency specifically.
Loans by a lender straight to organizations or farms, like, but not restricted to, loans in conjunction or syndicated by using a U.
(i) The whole lot of just one MSA (utilizing the MSA boundaries that were in result as of January 1 with the calendar year where the delineation applies), excluding any check here counties inside the massive lender's facility-based mostly evaluation areas; or