The Board prices the functionality of the intermediate lender evaluated under this portion as supplied in appendix D to this component.
) A bank may use alternate weights for combining the borrower and geographic distribution analyses for main products line(s) or other loan products.
For a significant financial institution that experienced property higher than $10 billion as of December 31 in both of those of the prior two calendar a long time, the Financial institution Nationwide Group Progress Financial commitment Metric actions the greenback volume of your lender's community enhancement investments that gain or provide all or Element of the nationwide spot, excluding house loan-backed securities, in comparison to the deposits inside the financial institution located in the nationwide location, calculated pursuant to paragraph II.m of appendix B to this component.
The Bank Point out Neighborhood Advancement Funding Metric measures the dollar volume of the lender's Neighborhood improvement loans and Local community development investments that gain or serve all or Component of a Condition in comparison to deposits during the financial institution that can be found in the Condition, calculated pursuant to paragraph II.d of appendix B to this part.
The Board critiques the effect and responsiveness in the bank's community improvement loans and Neighborhood progress investments that reward or serve a multistate MSA, as presented in § 228.fifteen.
usually means a lender's loans in a single of the next, different groups in a specific Retail Lending Check Spot:
Share of whole variety of households in small- and average-profits census tracts within the relevant Retail Lending Examination Space which are in average-revenue census tracts.
(one) Any data concerning a bank's institutional potential or constraints, such as the dimensions and economical affliction with the lender, basic safety and soundness constraints, or some other bank-particular aspects that drastically influence the bank's power to provide retail lending, retail banking services and retail banking products and solutions, Local community advancement loans, community enhancement investments, or Neighborhood development expert services;
(B) The Board establishes that evaluation underneath the system wouldn't offer a far more meaningful reflection of your financial institution's document of assisting to meet up with the credit score requirements of your bank's Group;
usually means the period of time, usually in calendar years, all through which a lender done the functions that the Board evaluates inside a CRA evaluation, in accordance Along with the Board's tips and techniques.
A lender have to make available to the general public for inspection, upon request and at no cost, the data necessary On this section as follows:
The Point out Group Advancement Financing Benchmark measures the greenback quantity of Neighborhood advancement loans and community enhancement investments that benefit or provide all or Component of a Point out for all large depository establishments in comparison to deposits located in the Condition for all big depository institutions, calculated pursuant to paragraph II.e of appendix B to this component.
A considerable lender must gather and retain, in the format on the financial institution's picking out or in a standardized structure, as furnished by the Board, right until the completion of your financial institution's following CRA evaluation through which the information are evaluated, 228 loan the next Neighborhood improvement solutions facts:
i. The sum, more than the prior two calendar several years, of the big lender's home property finance loan loans, multifamily loans, little company loans, tiny farm loans, and car loans if car loans are a product line for the large financial institution, originated or purchased in its facility-based assessment locations; divided by