The Board evaluates a small lender's record of assisting to meet up with the credit requires of its total community pursuant on the Little Financial institution Lending Exam as provided in paragraph (a)(2) of this part, Except the small lender opts to be evaluated pursuant on the Retail Lending Examination in § 228.22.
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For each big products line, a Geographic Neighborhood Benchmark, calculated pursuant to paragraph III.c of appendix A to this aspect for facility-centered assessment areas and retail lending assessment places, and paragraph III.e of appendix A to this element for outdoor retail lending areas.
(i) An intermediate lender's Group growth overall performance is evaluated pursuant to the next standards:
Pursuant to § 228.21, the Neighborhood Development Funding Check evaluates the financial institution's report of helping to satisfy the credit demands of its overall community via Neighborhood growth loans and Neighborhood growth investments (
To guage a lender's retail banking services, the Board considers a financial institution's department availability and services supplied at branches, remote assistance facility availability, and electronic shipping systems as well as other delivery devices, as follows:
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A little financial institution, or a bank that was a little lender throughout the prior calendar 12 months, will have to consist of in its general public file the lender's loan-to-deposit ratio for each quarter of the prior calendar yr and, at its solution, added info on its loan-to-deposit ratio.
(4) The range and greenback quantity of community growth loans and read more Neighborhood growth investments reported as originated or bought inside of Each individual facility-centered assessment area, Each individual State through which the lender provides a department, Just about every multistate MSA wherein a financial institution has a department in two or even more States with the multistate MSA, and nationwide spot beyond these States and multistate MSAs.
(B) A considerable bank might modify the Retail Services and Products Test by eradicating a part of the examination.
A financial institution that's been accepted to be evaluated below a strategic approach need to include things like in its public file a duplicate of that plan when it's in result. A bank needn't contain information submitted to your Board on the confidential basis at the side of the approach.