5 Simple Statements About 228 loan Explained
5 Simple Statements About 228 loan Explained
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indicates credit score and deposit items or packages that aid a lending or depository relationship in between the bank and customers, compact enterprises, or compact farms.
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suggests, notwithstanding the definition of “small farm” With this portion, a loan included in “loans to smaller farms” as documented in Plan RC-C of the decision Report.
(B) Apart from as presented in § 228.fifty one(e), a considerable bank by using a mixed full of 10 or more facility-dependent assessment places and retail lending evaluation locations in almost any Point out or multistate MSA, as applicable, or for your establishment may well not receive a ranking of “Satisfactory” or “Outstanding” in that Point out or multistate MSA, as applicable, or for your institution, unless the bank receives an overall conclusion of at the very least “Lower Satisfactory” in sixty % or more of the full quantity of its facility-dependent evaluation spots and retail lending evaluation places in that Condition or multistate MSA, as relevant, or for your institution.
The Board evaluates a armed service financial institution pursuant into the applicable performance checks described in paragraph (a) of the section.
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(i) An intermediate lender's community enhancement overall performance is evaluated pursuant to the subsequent standards:
) Added benefits or serves a number of geographic parts with small amounts of community progress funding;
(five) An index of retail banking solutions (like hrs of Procedure, readily available loan and deposit solutions, and transaction costs) generally supplied on the financial institution's branches and descriptions of fabric distinctions in The supply or expense of expert services at individual branches, if any.
) The range of retail banking companies and retail banking products and solutions available by digital supply units and various shipping and delivery methods; and
A small lender, or simply a financial institution which was a little bank over the prior calendar yr, have to include in its community file the financial institution's loan-to-deposit ratio for every quarter in the prior calendar year and, at its solution, supplemental data on its loan-to-deposit ratio.
signifies a loan, which include a lawfully binding determination to increase credit, like a standby letter of credit score, that supports community enhancement, as explained in § 228.13. A Neighborhood growth loan would not contain any household mortgage loan loan thought of beneath the Retail Lending Test in § 228.
Pursuant to § 228.28 and appendix C to this section, the Board assigns conclusions for a bank's Community Growth Expert services Exam general performance in each facility-based evaluation location, Just about every Condition or multistate MSA, as applicable, and with the institution.
signifies a staffed banking facility, whether or not shared or unshared, that the Board permitted or more info licensed as a branch and that is open to, and accepts deposits from, the general public.