(1) Information indicating that a financial institution obtained closed-close property mortgage loan loans, smaller organization loans, small farm loans, or auto loans for the sole or Principal reason of inappropriately maximizing its retail lending performance, together with, although not restricted to, details indicating subsequent resale of these kinds of loans or any indication that this kind of loans have been viewed as in numerous depository institutions' CRA evaluations, during which case the Board does not take into account this kind of loans during the financial institution's efficiency analysis;
The Board evaluates a bank's branch availability and expert services in a facility-dependent evaluation area depending on the next:
스마트폰에서 네이버 앱 을 설치하면 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버의 다양한 서비스를 앱에서 바로 이용할 수 있습니다. 구글 플레이 스토어 또는 앱 스토어에서 "네이버"를 검색하여 앱을 설치하세요.
인터넷이라는 광활한 바다를 항해하며 정보의 보고를 찾는 우리에게 네이버는 든든한 나침반이자, 탐험의 동반자와 같습니다. 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버는 우리 일상의 거의 모든 영역에 깊숙이 스며들어 있습니다.
The Limited Reason Financial institution Neighborhood Improvement Financing Metric actions the greenback quantity of the financial institution's community progress loans and Neighborhood development investments that advantage or serve all or Section of the nationwide location as compared to the lender's assets calculated pursuant to paragraph III.a of appendix B to this aspect.
A bank topic to details reporting needs pursuant to § 228.forty two should consist of in its community file a prepared notice that the CRA Disclosure Statement pertaining on the lender, its functions subsidiaries, and its other affiliate marketers, if relevant, might be acquired to the FFIEC's website at:
The Board weights the lender's performance rating for the overall performance tests relevant to an intermediate financial institution as follows:
(B) For each of a financial institution's facility-centered evaluation parts in just a nonmetropolitan location, the Nonmetropolitan Nationwide Group Development Financing Benchmark steps the greenback quantity of community development loans and community growth investments that advantage or provide nonmetropolitan locations during the nationwide area for all huge depository institutions when compared to deposits located in nonmetropolitan regions during the nationwide area for all large depository establishments.
The Lender Evaluation Space Group Progress Funding Metric actions the dollar volume of the lender's Group development loans and community development investments that benefit or provide a facility-dependent assessment location when compared with deposits from the financial institution that are located in the power-centered assessment location, calculated pursuant to paragraph II.a of appendix B to this component.
In the facility-primarily based evaluation spot or outside retail lending place, a product line is A serious item line if the financial institution's loans in that item line comprise fifteen p.c or more of your bank's loans throughout all the lender's item traces in the power-based mostly evaluation area or outdoors retail lending place, as determined pursuant to paragraph II.b.1 of appendix A to this portion.
(B) Inside of five calendar days of your ask for, all the knowledge that the bank is necessary to take care of beneath this part in the public file relating to the ability-centered assessment spot wherein the branch is located.
A significant lender will have to collect and maintain in Digital sort, as prescribed through the Board, till completion in the lender's up coming CRA examination in which the info are evaluated, the following facts get more info with regard to retail banking companies and retail banking goods offered and provided by the bank during Every single calendar calendar year:
(ii) The number and share of originations and apps of mixture house loan lending of all lenders reporting HMDA info in the power-dependent assessment space and as applicable, the retail lending assessment space; and
(three) The lender may well not claim Group development loans or community development investments accounting for in excess of its proportion share (according to the extent of its participation or investment decision) of the full loans or investments created by the consortium or 3rd party.