228 loan - An Overview
The Board evaluates a little financial institution's report of assisting to meet the credit history demands of its whole community pursuant towards the Compact Lender Lending Check as supplied in paragraph (a)(two) of this part, Unless of course the tiny financial institution opts to become evaluated pursuant into the Retail Lending Take a look at in § 228.22.(1) A nonmetropolitan Center-earnings census tract is selected as distressed whether it is in a very county that satisfies a number of of the next standards:
Other than as or else provided With this segment, a financial institution must make sure its public file includes the knowledge essential by this part for every of your previous a few calendar years, with the most recent calendar year A part of its file each year by April 1 of the present calendar calendar year.
(i) The range and proportion of originations and apps of the large bank's house mortgage loan loans by borrower or applicant cash flow amount, race, and ethnicity;
) Precise information about the dollar number of the Local community improvement loan or Local community progress expenditure that was allotted to each county served with the loan or financial investment, if readily available.
하지만, 때로는 너무나 익숙한 나머지 네이버에 접근하는 방법조차 잊어버릴 때가 있습니다. "아, 네이버 어떻게 들어가지?" "네이버 앱, 어디서 받지?" 이런 흔한
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A bank that acquired a lower than “Satisfactory” establishment ranking throughout its most up-to-date assessment should involve in its public file a description of its present-day efforts to enhance its effectiveness in helping to satisfy the credit rating requirements of its overall Group.
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In the facility-primarily based evaluation spot or outside retail lending space, a product line is a major products line Should the financial institution's loans in that product line comprise fifteen percent or even more from the financial institution's loans throughout every one of the lender's merchandise strains in the facility-dependent evaluation area or exterior retail lending area, as established pursuant to paragraph II.b.1 of appendix A to this section.
Affiliated depository institutions supervised by the identical Federal monetary supervisory company may well prepare a joint plan, delivered the strategy features, for each lender, the applicable performance assessments that would implement within the absence of the accepted approach.
(four) The amount and greenback quantity of Neighborhood progress loans and community growth investments claimed as originated or obtained within each facility-based mostly evaluation area, Each and every State wherein the bank provides a department, Each individual multistate MSA wherein a bank incorporates a department in two or maybe more States of the multistate MSA, and nationwide region outside of these States and multistate MSAs.
A considerable bank in website addition to a minimal goal lender that could be a big lender depending on the asset size described during the definition of a large lender should accumulate and report back to the Board each year by April one an index of Every single facility-based assessment place showing the States, MSAs, and counties in the ability-dependent evaluation area, as of December 31 on the prior calendar calendar year or the final day the facility-based mostly assessment spot was in outcome, supplied the ability-dependent evaluation region was delineated for at least six months in the prior calendar yr.
(x) An indicator for whether or not the loan was to a company or farm for which gross yearly revenues aren't identified with the financial institution.