A bank may well put together just one plan or different options for its facility-dependent assessment parts, retail lending evaluation areas, exterior retail lending location, or other geographic locations that might be evaluated in the absence of the accepted strategy.
When making use of general performance assessments and strategic designs pursuant to paragraph (a) of the section, and when deciding no matter whether to approve a strategic program pursuant to § 228.
suggests, notwithstanding the definition of “small farm” With this part, a loan A part of “loans to small farms” as noted in Schedule RC-C of the Call Report.
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The Board considers info furnished by the lender and could think about publicly available information and facts and information furnished by govt or Neighborhood resources that demonstrates that a community development provider Gains or serves a facility-primarily based assessment area, State, or multistate MSA, or perhaps the nationwide location.
In taking into consideration CRA performance in an application described in paragraph (a) of this segment, the Board takes under consideration any views expressed by fascinated functions that happen to be submitted in accordance With all the Board's Procedures of Method set forth in twelve CFR component 262.
Pursuant to § 228.28 and appendix D to this section, the Board incorporates a financial institution's Retail Lending Check conclusions into its Point out or multistate MSA scores, as applicable, and its institution ranking.
(one) Revitalization or stabilization, necessary Local community amenities, vital community infrastructure, and catastrophe preparedness and weather conditions resiliency activities in Native Land Regions are functions particularly targeted to and performed in Indigenous Land Parts.
(three) The range and dollar volume of little business loans and smaller farm loans located inside of Just about every facility-based evaluation place and retail lending evaluation location claimed through the financial institution and the quantity and greenback quantity of compact organization loans and tiny farm loans Found beyond the facility-primarily based evaluation locations and retail lending assessment places documented because of the bank; and
In a very facility-based mostly assessment place or outdoors retail lending area, an item line is a major products line In case the bank's loans in that product or service line comprise 15 per cent or more on the bank's loans across every one of the lender's product lines in the ability-centered assessment place or outside retail lending spot, as identified pursuant to paragraph II.b.1 of appendix A to this aspect.
(A) A lender may well specify annual measurable goals for Group growth loans, community enhancement investments, or each. The lender have to base any yearly measurable objectives to be a proportion or ratio in the lender's Neighborhood development loans and Neighborhood development investments for all or specified kinds of Local community improvement described in § 228.
) The amount of examining and cost savings accounts opened digitally and thru other shipping and delivery systems by census tract cash flow amount for each calendar 12 months; and
A sizable lender plus a limited intent bank that may be a substantial bank based upon the asset dimension explained within the definition of a giant bank have to collect and report to the Board annually by April 1 an index of Every single facility-based assessment place showing the States, MSAs, and counties in the ability-centered evaluation 228 loan location, as of December 31 with the prior calendar year or the last date the facility-based mostly evaluation place was in effect, provided the facility-dependent evaluation space was delineated for a minimum of 6 months of the prior calendar year.
A bank which has been permitted to get evaluated below a strategic plan will have to consist of in its general public file a duplicate of that plan when it truly is in effect. A financial institution needn't contain information and facts submitted on the Board with a confidential foundation together with the approach.