228 loan Options
228 loan Options
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A limited objective lender's Local community progress financing effectiveness in its facility-based evaluation places in the Condition or multistate MSA; and
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If a military bank delineates the entire U . s . and its territories as its sole facility-centered evaluation region pursuant to § 228.16(d), the Board evaluates the bank solely on the institution stage based on its functionality in its sole facility-centered evaluation space.
(B) Other than as furnished in § 228.51(e), a sizable lender with a put together total of ten or more facility-centered assessment places and retail lending assessment locations in almost any Point out or multistate MSA, as relevant, or with the establishment may well not get a ranking of “Satisfactory” or “Remarkable” in that Point out or multistate MSA, as applicable, or for your establishment, unless the financial institution gets an In general summary of at least “Lower Satisfactory” in sixty % or maybe more of the whole quantity of its facility-dependent evaluation parts and retail lending evaluation locations in that State or multistate MSA, as relevant, or for your institution.
(ix) An indicator for if the loan was to a company or farm with gross annual revenues increased than $one million; and
suggests a business, apart from a farm, that experienced gross annual revenues for its preceding fiscal yr of $5 million or get more info less.
A bank need to make available to the general public for inspection, upon request and for free of charge, the data necessary Within this area as follows:
(ii) Consistent with paragraph (g) of this portion, a financial institution's prepare may possibly involve optional evaluation components or suitable modifications and additions for the functionality exams that will apply from the absence of an accepted plan.
(five) Knowledge and knowledge provided by the bank regarding the financial institution's business enterprise system and products choices;
(i) All the knowledge required for that bank's general public file have to be taken care of at the primary Place of work and, if an interstate lender, at a person branch Place of work in each Condition; and
(A) A bank may specify yearly measurable goals for Local community growth loans, Local community enhancement investments, or both. The lender need to base any yearly measurable targets as being a share or ratio on the bank's Neighborhood improvement loans and Local community progress investments for all or certain forms of community growth explained in § 228.
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(B) Any counties where the massive lender didn't originate any closed-conclusion property mortgage loan loans or compact enterprise loans which might be described loans all through that calendar calendar year.
A small financial institution, or possibly a lender which was a small bank throughout the prior calendar year, must contain in its public file the bank's loan-to-deposit ratio for every quarter with the prior calendar 12 months and, at its selection, added info on its loan-to-deposit ratio.