(ii) All the counties during the nonmetropolitan location of a State (utilizing the MSA boundaries that were in impact as of January one of the calendar year where the delineation applies), excluding:
(iii) Any conditions past the Charge of the bank, for instance financial ailments or other market variables or activities, that have adversely impacted the financial institution's capacity to conduct.
The Board evaluates a minimal function financial institution's Neighborhood improvement funding effectiveness in Each and every Condition or multistate MSA, as relevant pursuant to §§ 228.
(A) Submitting the initial draft prepare for publication within the Board's Site and by publishing the Original draft approach to the financial institution's Internet site, Should the lender maintains one; and
The Board considers the utilization of a lender's deposit items responsive to the wants of small- and reasonable-revenue men and women, families, or households based upon the following details:
The Board may possibly alter a little financial institution score from “Satisfactory” to “Exceptional” with the institution amount exactly where the financial institution requests and gets additional thought for the next functions, with out regard to whether or not the activity is in one or more with the bank's facility-based mostly assessment regions, as relevant:
Responses or questions on doc information can't be answered by OFR team. Be sure to never provide confidential info or individual facts.
These disclosure statements reveal the number and dollar degree of all modest small business loans and compact farm loans originated or bought for each census tract and the amount and dollar quantity of all Group improvement loans and community growth investments for every county by reporting banks, apart from the Board could regulate the form with the disclosure if needed, as a result of Distinctive circumstances, to safeguard the privateness of a borrower or perhaps the aggressive position of the bank.
) The superb stability of the Neighborhood development loan originated, acquired, refinanced, or renewed in former many years or Local community improvement investment manufactured or renewed in previous years, as of December 31 for every year the loan or investment remains within the lender's equilibrium sheet; or
means a shut-conclusion house home loan loan or an open up-close household home finance loan loan as these phrases are defined Within this portion.
The Board evaluates an intermediate financial institution's document of assisting to meet up with the credit rating wants of its whole Group pursuant to your Retail Lending Examination in § more info 228.
Besides as in any other case presented In this particular part, a financial institution have to be sure that its community file includes the information needed by this section for every in the prior a few calendar yrs, with The latest calendar year A part of its file each year by April 1 of the present calendar yr.
A lender must keep a general public file, in both paper or digital format, that includes the next information and facts:
suggests a channel by which banking companies offer retail banking solutions electronically, including on the net banking or cell banking.