228 loan - An Overview
228 loan - An Overview
Blog Article
implies credit rating and deposit items or plans that aid a lending or depository romance involving the bank and shoppers, tiny businesses, or compact farms.
The Board evaluates a financial institution's department availability and companies inside of a facility-based assessment spot based upon the next:
(ii) If a significant financial institution is no more needed to delineate a retail lending evaluation spot previously identified during the system on account of not Assembly the required retail lending assessment spot thresholds pursuant to § 228.
The inclusion of an affiliate's loans, investments, providers, and solutions inside of a bank's plan, or in a very joint strategy of affiliated depository institutions, is subject matter to the subsequent:
(ix) An indicator for whether or not the loan was to a business or farm with gross yearly revenues better than $1 million; and
A lender subject matter to this section may well request which the Board verify that a loan, expense, or support is qualified for community enhancement consideration by distributing a ask for to, and in a structure prescribed by, the Board.
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The Board evaluations the impact and responsiveness in the bank's community improvement loans and Local community growth investments that gain or serve the nationwide region, as delivered in § 228.fifteen.
(e) Information on community enhancement loans and Neighborhood development investments by a consortium or a 3rd party.
(i) All the data expected for that lender's general public file needs to be preserved at the key Office environment and, if an interstate lender, at a person department office in Each and every State; and
A small bank, or simply a bank that was a small financial institution in the course of the prior calendar year, need to include things like in its general public file the bank's loan-to-deposit ratio for each quarter with the prior calendar calendar year and, at its choice, added info on its loan-to-deposit ratio.
For household mortgage loans, the bank have to recognize the home home loan loans claimed by its operations subsidiary here beneath 12 CFR part 1003, if applicable, or obtain and keep information on residence home finance loan loans by its operations subsidiary the bank might have gathered and maintained pursuant to paragraph (a)(3) of the segment had the lender originated or bought the loans.
Notwithstanding the requirements of this segment, a navy financial institution whose clients are not Found within an outlined geographic place may well delineate the whole America and its territories as its sole facility-centered evaluation location.
Pursuant to § 228.21, the Neighborhood Enhancement Funding Check for Confined Goal Banks evaluates a constrained purpose financial institution's record of helping to meet up with the credit wants of its entire Neighborhood as a result of community advancement loans and Group improvement investments (