228 loan - An Overview
228 loan - An Overview
Blog Article
The Board or its appointed agent, prepares per year, for each MSA or metropolitan division (together with an MSA or metropolitan division that crosses a Point out boundary) as well as the nonmetropolitan percentage of Every Point out, an mixture disclosure assertion of described tiny business lending, modest farm lending, Local community improvement lending, and community growth investments by all depository institutions topic to reporting beneath this part or twelve CFR section 25 or 345.
가장 직관적이고 기본적인 방법은 웹 브라우저 주소창에 네이버 주소를 입력하는 것입니다. 네이버의 공식 주소는 ""입니다. 주소창에 이 주소를 입력하고 엔터 키를 누르면 네이버 메인 페이지로 이동합니다.
The Board rates the general performance of the intermediate bank evaluated beneath this part as provided in appendix D to this portion.
If your Board receives a public comment before the close day of a lender's CRA evaluation, the public comment will likely be regarded in reference to that CRA assessment.
(ix) An indicator for whether the loan was to a business or farm with gross once-a-year revenues increased than $1 million; and
) The volume of checking and savings accounts opened digitally and thru other shipping and delivery units that are Energetic at the end of Just about every calendar 12 months by census tract cash flow degree for every calendar 12 months.
(B) The effectiveness with the lender's methods for delivering retail banking solutions and The supply and responsiveness of your bank's retail banking solutions, pursuant to § 228.23, as relevant;
If an intermediate bank opts for being evaluated pursuant into the Community Development Financing Exam in § 228.24, the Board evaluates the intermediate bank for the analysis period preceding the bank's up coming CRA assessment pursuant towards the Neighborhood Progress Financing Test in § 228.24 and carries on evaluations pursuant to this effectiveness test for subsequent evaluation intervals until eventually the lender opts out.
suggests a loan to a number of folks for family, family members, or other particular expenses and that is one of the pursuing varieties of loans:
In a facility-centered assessment region or outside the house retail lending spot, a product line is A serious item line When the lender's loans in that solution line comprise fifteen per cent or even more in the bank's loans across all of the lender's product or service lines in the ability-based assessment space or outdoors retail lending space, as established pursuant to paragraph II.b.1 of appendix A to this element.
(B) A lender in addition to click here a big lender might contain a Local community enhancement services ingredient and accompanying once-a-year measurable targets in its program.
The Multistate MSA Local community Advancement Funding Benchmark measures the dollar volume of Local community development loans and Neighborhood enhancement investments that reward or provide a multistate MSA for all massive depository institutions in comparison to deposits located in the multistate MSA for all significant depository institutions, calculated pursuant to paragraph II.h of appendix B to this portion.
A considerable bank in addition to a restricted goal lender that would be a big lender dependant on the asset dimension explained while in the definition of a big financial institution have to acquire and report back to the Board yearly by April 1 an index of Every single facility-based mostly evaluation spot exhibiting the States, MSAs, and counties in the power-based evaluation region, as of December 31 in the prior calendar yr or the last day the power-centered assessment space was in effect, offered the facility-centered assessment spot was delineated for at least six months from the prior calendar 12 months.
(x) An indicator for whether or not the loan was to a business or farm for which gross yearly revenues usually are not recognised via the financial institution.