(i) The range and share of originations and applications of the large lender's household property finance loan loans by borrower or applicant cash flow degree, race, and ethnicity;
(A) The Agency determines which the financial institution hasn't delivered sufficient justification to the approach and every element of the prepare as essential pursuant to paragraph (d) of this portion;
For applications of metrics and benchmarks in § 228.24, the Board calculates an once-a-year dollar volume of deposits in a depository establishment that is certain to every metric or benchmark for each calendar year within the evaluation interval (
) Specific specifics of the dollar amount of the Group growth loan or Neighborhood improvement investment decision that was allotted to every county served because of the loan or expense, if accessible.
Allocate for the Condition or multistate MSA degree, as applicable, according to the proportion of lower- and reasonable-cash flow family members in Each individual State or multistate MSA to get a loan or expenditure by using a geographic scope of a number of Condition(s) or multistate MSA(s), but not the complete nation; and
If a military services bank delineates the complete U . s . and its territories as its sole facility-based assessment spot pursuant to § 228.16(d), the Board evaluates the financial institution completely at the institution stage according to its effectiveness in its sole facility-dependent evaluation area.
The Board may possibly regulate a small lender score from “Satisfactory” to “Excellent” in the institution degree exactly where the bank requests and gets additional thought for functions that may qualify pursuant into the Retail Providers and Merchandise Examination in § 228.
(one) Any data pertaining to a bank's institutional capacity or constraints, such as the dimensions and money condition of the financial institution, basic safety and soundness constraints, or every other bank-particular things that appreciably have an affect on the financial institution's capability to deliver retail lending, retail banking products and services and retail banking products and solutions, Local community improvement loans, Group growth investments, or community enhancement companies;
In the situation of the Retail Lending Check Place which contains no very low-profits census tracts and no moderate-revenue census tracts, the lender won't receive a geographic distribution normal for that assessment place.
Notwithstanding the necessities of the section, a armed forces financial institution whose shoppers usually are not Positioned within a defined geographic spot may delineate your entire United states of america and its territories as its sole facility-primarily based evaluation area.
means any company that controls, is managed by, or is underneath prevalent Management with One more organization. The term “control” has the which means given to that term in 12 U.
Proportion of total amount of minimal-money and moderate-profits households in the relevant Retail Lending Check Area which are low-money households.
i. A community enhancement loan or Neighborhood enhancement financial commitment that Advantages or serves just one county, instead of any locations over and above that one county, would have the total greenback amount of the activity allocated to that county.
Pursuant to 12 U.S.C. 2906, the Board delivers conclusions derived beneath this component independently for metropolitan places by which a lender maintains a number of domestic branch places of work and for that nonmetropolitan location of the Condition if a bank maintains a number of domestic branch workplaces in this sort of nonmetropolitan website area.