The Board may possibly regulate a small lender rating from “Satisfactory” to “Fantastic” within the institution degree where the bank requests and gets supplemental thing to consider for the following pursuits, devoid of regard to whether the exercise is in a number of with the lender's facility-centered evaluation locations, as relevant:
(3) A little small business loan or compact farm loan is located from the census tract in which the principle business enterprise facility or farm is located or exactly where the borrower will usually implement the loan proceeds, as indicated because of the borrower.
(B) A financial institution may perhaps specify working with assets as a substitute denominator to get a Local community advancement funding metric if it much better measures a bank's capability.
i. Summing all large depository institutions' annual greenback volume of Group progress loans and community advancement investments that reward or provide metropolitan places from the nationwide area for on a yearly basis within the evaluation time period.
Apart from a little bank that opts being evaluated pursuant towards the Retail Lending Test in § 228.22, the Board assigns conclusions for the overall performance of a small financial institution evaluated beneath this portion as furnished in appendix E to this element.
) of this segment, a financial institution may possibly present various weights for averaging with each other the effectiveness across these loan solutions and will consist of All those loan merchandise within the numerator with the Lender Quantity Metric.
The Board could alter a little lender ranking from “Satisfactory” to “Outstanding” in the institution stage wherever the lender requests and gets supplemental consideration for actions that will qualify pursuant to your Retail Solutions more info and Merchandise Take a look at in § 228.
For every big product line, excluding auto lending, the Board develops different supporting conclusions for every of the categories outlined in desk 1 to this appendix.
In the case of a Retail Lending Test Space that contains no very low-earnings census tracts and no reasonable-income census tracts, the financial institution will not receive a geographic distribution ordinary for that evaluation space.
Besides as if not delivered On this portion, a financial institution should make sure its public file includes the information demanded by this section for each in the previous 3 calendar yrs, with the most recent calendar 12 months A part of its file annually by April one of the current calendar 12 months.
one. Summing, over the years in the analysis time period, the yearly range of described loans in the main solution line to designated borrowers in the ability-centered assessment space or retail lending assessment place originated by all lenders.
For each main products line, a Borrower Community Benchmark, calculated pursuant to paragraph IV.c of appendix A to this element for facility-centered evaluation locations and retail lending evaluation areas, and paragraph IV.e of appendix A to this component for out of doors retail lending places.
Proportion of full amount of farms in small- and average-money census tracts in the relevant Retail Lending Exam Space that are in moderate-money census tracts.
(2) The dispersion of the lender's shut-finish property mortgage loan lending, smaller company lending, modest farm lending, or vehicle lending inside of a facility-based assessment location to find out irrespective of whether there are gaps in lending that are not defined by efficiency context;