The Board testimonials the impact and responsiveness of the financial institution's Local community improvement loans and community enhancement investments that advantage or provide a State, as furnished in § 228.fifteen.

(6) A map of each facility-centered assessment place and, as relevant, Just about every retail lending assessment region demonstrating the boundaries of the realm and pinpointing the census tracts contained in the area, either to the map or inside a individual checklist; and

(ii) To accumulate possession or Charge of shares or all or significantly every one of the property of the lender, to induce a bank to become a subsidiary of the bank holding corporation, or to merge or consolidate a bank holding firm with every other lender holding corporation inside of a transaction that needs acceptance underneath part three with the Financial institution Keeping Business Act (twelve U.S.C. 1842);

상세하게 안내해 드리지 못하는 점 양해 부탁 드립니다. 모두가 행복한 인터넷

The Board considers data furnished by the lender and may consider publicly available info and information provided by govt or community resources that demonstrates that a Local community improvement services Positive aspects or serves a facility-dependent assessment spot, Condition, or multistate MSA, or even the nationwide place.

indicates a business, besides a farm, that had gross yearly revenues for 228 loan its previous fiscal calendar year of $5 million or significantly less.

(six) A financial institution's closed-conclusion home home loan lending, compact enterprise lending, smaller farm lending, or auto lending in distressed or underserved nonmetropolitan Center-money census tracts where a bank's nonmetropolitan facility-primarily based evaluation space or nonmetropolitan retail lending assessment space incorporates not many or no small- and moderate-profits census tracts; and

Buys of house loan-backed securities in which a vast majority on the underlying loans are usually not loans the lender originated or obtained and:

The dollar volume with the constrained purpose lender's Neighborhood improvement loans and Local community development investments that advantage or serve the Condition or multistate MSA and an assessment from the affect and responsiveness of Those people loans and investments, as supplied in § 228.fifteen.

The Board weights the bank's effectiveness score for the general performance assessments relevant to a considerable bank as follows:

The Board evaluates the history of the intermediate financial institution, or a small bank that opts to be evaluated beneath the Retail Lending Exam, of assisting to meet up with the credit history wants of its overall community in its outside the house retail lending spot pursuant to § 228.22, for a selected calendar 12 months, if:

) Any boost in the calendar 12 months to an current community development loan that is refinanced or renewed or to an present community progress expenditure that is definitely renewed;

(i) Impedes its capability to execute at a satisfactory degree under the strategy, for instance fiscal constraints a result of sizeable events that impact the local or countrywide financial state; or

A financial institution that has been accredited to generally be evaluated underneath a strategic approach ought to contain in its public file a duplicate of that plan even though it is in result. A lender needn't include info submitted to the Board over a confidential foundation along side the program.