(3) The lender may well not declare Neighborhood advancement loans or Neighborhood improvement investments accounting for greater than its percentage share (based on the level of its participation or expense) of the total loans or investments produced by the consortium or third party.
The Board evaluates a army financial institution pursuant for the applicable general performance tests described in paragraph (a) of the portion.
The outside retail lending place is comprised of element geographic places. A ingredient geographic spot is any MSA or maybe the nonmetropolitan location of any State, or part thereof, included inside the outside retail lending spot.
(ii) Much more than 50 per cent of the task is non-household as measured by The proportion of full square footage or dollar amount of the job.
suggests a loan to a number of individuals for residence, loved ones, or other private expenses Which is probably the next varieties of loans:
The Board could adjust the ranking of an intermediate lender evaluated as offered in paragraph (a)(two) of this part from “Satisfactory” to “Fantastic” in the establishment level wherever the bank requests and gets extra thought for actions that could qualify pursuant for the Retail Services and Solutions Check in § 228.23.
(iii) A populace lack of ten p.c or more among the former and most recent decennial census or maybe a Web population loss of five % or even more about the 5-calendar year period preceding the most recent census.
b of appendix A to this part for facility-based mostly evaluation areas and retail lending evaluation places, and paragraph III.d of appendix A to this section for outside retail lending 228 loan regions; and
(B) For every of a bank's facility-primarily based assessment areas within a nonmetropolitan area, the Nonmetropolitan Nationwide Community Development Funding Benchmark actions the dollar quantity of Group enhancement loans and Local community progress investments that reward or serve nonmetropolitan areas during the nationwide place for all substantial depository institutions when compared with deposits located in nonmetropolitan areas during the nationwide place for all massive depository institutions.
In assigning Retail Lending Check conclusions for just a State pursuant to § 228.22(h), the Board doesn't look at a bank's things to do for being in the Condition if Those people routines happen in a retail lending assessment region consisting of counties in multiple Point out.
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The Board evaluates a restricted reason lender's Group development financing efficiency in Every single Condition or multistate MSA, as applicable pursuant to §§ 228.
The Board evaluates a financial institution's retail banking products supplied from the lender's facility-based assessment places and nationwide, as applicable, for the establishment amount as follows: