5 Simple Statements About 228 loan Explained

The Board evaluates a bank's retail banking products and solutions supplied during the financial institution's facility-based mostly evaluation areas and nationwide, as relevant, for the institution amount as follows:

Pursuant to § 228.28 and appendix C to this section, the Board assigns conclusions for just a bank's Retail Providers and Goods Check performance in Every single facility-based evaluation space, State and multistate MSA, as applicable, and for your establishment.

네이버를 자주 이용한다면, 북마크 기능을 활용하여 손쉽게 접근할 수 있습니다. 웹 브라우저의 북마크 기능을 통해 네이버 페이지를 등록하면, 다음부터는 북마크 목록에서 바로 네이버에 접속할 수 있습니다.

The Board might take into consideration a bank's Group enhancement loans, community improvement investments, and Local community development companies supplied outside of its facility-primarily based evaluation locations, as provided in this part.

(2) A nonmetropolitan middle-revenue census tract is designated as underserved if it meets the criteria for population measurement, density, and dispersion that point out the world's populace is sufficiently tiny, skinny, and distant from a inhabitants Centre the census tract is likely to get trouble financing the fixed costs of Assembly critical Group requires.

(i) A bank may well incorporate general performance evaluation parts and accompanying annual measurable aims for additional geographic parts but may not do away with the evaluation of its functionality in any geographic spot that will be A part of its performance evaluation from the absence of the accepted approach.

(i) An intermediate financial institution's community progress efficiency is evaluated pursuant to the next requirements:

(3) A small organization loan or compact farm loan is located inside the census tract where the main business enterprise facility or farm is found or where the borrower will usually apply the loan proceeds, as indicated with the borrower.

In assigning Retail Lending Take a look at conclusions for the Point out pursuant to § 228.22(h), the Board isn't going to think about a financial institution's actions to generally be during the Condition if those functions take place in a very retail lending assessment spot consisting of counties in multiple State.

The financial institution allocates the deposits for which a deposit locale is not accessible to the nationwide place. Once-a-year deposits has to be calculated based on ordinary day by day balances as provided in statements like monthly or quarterly statements. Every other bank that opts to gather and sustain the information In this particular paragraph (a)(seven) will have to do this in the exact same kind and for the same duration as described With this paragraph (a)(7).

모바일 웹 브라우저(크롬, 사파리 등)에서 ""을 주소창에 입력하면 네이버 모바일 웹 페이지로 이동합니다.

) of this portion in the same calendar calendar year, of the Neighborhood improvement loan refinanced or renewed in a very calendar year subsequent towards the yr of origination or buy, as of December 31 of your calendar calendar year for each year which the loan continues to be over the financial institution's equilibrium sheet; or an present Group enhancement expense renewed in a 12 months subsequent to the calendar year the financial investment was designed as of December 31 for each and every year that the financial commitment continues to be to the financial institution's equilibrium sheet.

Notwithstanding the requirements of this section, a army bank whose clients will not be Positioned in a defined geographic region might delineate the whole Usa and its territories as its sole facility-primarily based assessment space.

suggests a channel by which banking companies give retail banking solutions electronically, for example on the web banking or cellular read more banking.