228 loan Things To Know Before You Buy

For every census tract in which the lender originated or bought a small company loan or little farm loan, the bank need to report the combination quantity and dollar amount of little business enterprise loans and modest farm loans:

(ii) The retail banking products and services and retail banking items desires of its facility-based assessment regions and on the institution degree which have been covered through the prepare.

The Board evaluates a constrained function financial institution's Neighborhood advancement financing efficiency in Each and every Condition or multistate MSA, as applicable pursuant to §§ 228.

(i) The selection and share of originations and apps of the big financial institution's home mortgage loans by borrower or applicant money level, race, and ethnicity;

The Board evaluations the effects and responsiveness of a bank's Neighborhood development loans and Group enhancement investments that benefit or provide a facility-primarily based evaluation space, as delivered in § 228.15.

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) Rewards or serves a number of geographic areas with minimal amounts of Local community development financing;

A lender ought to delineate a number of facility-based mostly assessment locations within which the Board evaluates the lender's report of helping to meet the credit history demands of its total Neighborhood pursuant towards the overall performance exams and strategic system explained in § 228.21.

(three) The number and dollar volume of smaller business loans and compact farm loans Found within Each and every facility-centered evaluation region and retail lending assessment spot claimed through the financial institution plus the selection and greenback quantity of little business loans and compact farm loans Found beyond the power-based mostly evaluation spots and retail lending assessment areas noted through the financial institution; and

In a facility-dependent assessment region or outside retail lending place, a product line is An important solution line When the bank's loans in that item line comprise fifteen % or more with the lender's loans throughout each of the financial institution's solution traces in the ability-centered assessment area or outside the house retail lending region, as established pursuant to paragraph II.b.1 of appendix A to this section.

Affiliated depository establishments supervised by exactly the same Federal economical supervisory company may well put together a joint program, furnished which the plan includes, for every lender, the relevant performance assessments that might apply within the absence of the accepted plan.

(one) All written opinions obtained from the public for the current year (up to date on a quarterly basis for the prior quarter check here by March 31, June 30, September 30, and December 31) and each on the prior two calendar decades that particularly relate towards the bank's overall performance in assisting to meet Local community credit score demands, and any response on the comments with the bank, if neither the feedback nor the responses comprise statements that reflect adversely on The great title or reputation of any individuals besides the lender or publication of which would violate certain provisions of legislation;

Loans by a financial institution straight to organizations or farms, like, although not limited to, loans in conjunction or syndicated by using a U.

(B) The extent to which the plan has sufficiently justified the necessity for any program and each element of the system as expected in paragraph (d) of this segment.