228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a little lender's report of helping to meet up with the credit history desires of its full community pursuant towards the Modest Financial institution Lending Exam as offered in paragraph (a)(two) of the part, Until the modest financial institution opts for being evaluated pursuant to your Retail Lending Test in § 228.22.
The Board considers Local community growth loans and Neighborhood progress investments allocated pursuant to paragraph I.b of appendix B to this element.
Except as if not furnished In this particular area, a lender have to be certain that its public file contains the knowledge needed by this segment for each from the past three calendar a long time, with The latest calendar calendar year A part of its file every year by April one of the current calendar year.
블로그 아이디는 한번 정하면 다시 변경이 불가능합니다. 이 아이디로 블로그를 만들까요?
(ix) An indicator for whether the loan was to a business or farm with gross yearly revenues larger than $1 million; and
(ii) From the prior two calendar many years, the lender originated or obtained outside the financial institution's facility-centered evaluation locations greater than 50 percent in the lender's household home loan loans, multifamily loans, tiny enterprise loans, smaller farm loans, and vehicle loans if vehicle loans are a product line for your lender, as described in paragraph II.a.2 of appendix A to this part.
The Board's consideration in the branch distribution metrics is knowledgeable by the next benchmarks:
(one) Revitalization or stabilization, critical Neighborhood amenities, essential Group infrastructure, and catastrophe preparedness and weather resiliency actions in Indigenous Land Spots are routines especially targeted to and more info performed in Indigenous Land Parts.
A financial institution will have to offer in the general public region of its key Workplace and each of its branches the suitable general public recognize established forth in appendix F to this section. Only a branch of a bank owning more than one facility-primarily based assessment spot must incorporate the bracketed product in the notice for branch workplaces.
A financial institution may submit more info to your Board on a confidential basis, even so the goals mentioned during the strategy has to be sufficiently precise to help the public as well as the Board to evaluate the merits in the approach.
(five) Are offered to students or their households via a college at which nearly all of college students qualify for free or lowered-price meals beneath the U.S. Office of Agriculture's National College Lunch Application;
The Board evaluates a restricted objective bank's Group development financing effectiveness inside of a facility-based evaluation place and assigns a conclusion in the facility-based assessment area based on the Board's:
자주 사용하는 앱은 홈 화면에 바로가기 아이콘을 추가하여 더욱 편리하게 이용할 수 있습니다. 네이버 앱을 설치한 후, 앱 아이콘을 길게 누르고 "홈 화면에 추가" 옵션을 선택하면 됩니다.
A small bank, or perhaps a bank which was a small bank throughout the prior calendar year, should contain in its public file the bank's loan-to-deposit ratio for every quarter on the prior calendar yr and, at its choice, additional data on its loan-to-deposit ratio.