(4) Some other evidence demonstrating which the financial institution's community improvement solutions are attentive to Group growth requirements, such as the quantity of low- and reasonable-profits folks which have been individuals, or amount of businesses served; and
(E) The lender fails to deliver info requested through the Board which is needed for the Board to generate an knowledgeable selection.
The Board will consider these responses into account in reference to the financial institution's subsequent scheduled CRA assessment.
(iii) A listing exhibiting Every census tract during which the financial institution noted a small enterprise loan or a little farm loan;
(v) To amass ownership or Charge of shares or all or considerably the entire property of a financial savings Affiliation, to bring about a discounts association to be a subsidiary of a personal savings and loan holding enterprise, or to merge or consolidate a discounts and loan holding company with another personal savings and loan Keeping organization in a transaction that requires acceptance under area 10 of the Home Proprietors' Loan Act (twelve U.S.C. 1467a).
Pursuant to 12 U.S.C. 2906, the Board provides conclusions derived less than this aspect individually for metropolitan locations in which a lender maintains one or more domestic department workplaces and for the nonmetropolitan place of a Point out if a financial institution maintains a number of domestic branch places of work in this sort of nonmetropolitan area.
The Board weights the financial institution's overall performance score for that performance exams applicable to an intermediate bank as follows:
A lender that obtained a a lot less than “Satisfactory” institution rating all through its most recent evaluation will have to contain in its community file an outline of its present attempts to further improve its efficiency in assisting to meet up with the credit score requires of its whole Neighborhood.
A sizable financial institution that had assets better than $10 billion as of December 31 in the two on the prior two calendar several years ought to accumulate and retain annually, in Digital variety, as prescribed via the Board, until finally the completion of the bank's subsequent CRA examination in which the info are evaluated, the greenback number of its deposits for the county stage based upon deposit location.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(A) A lender may possibly specify annual measurable goals for Group growth loans, Neighborhood improvement investments, or both. The lender should foundation any annual measurable goals for a percentage or ratio of your financial institution's community read more progress loans and community growth investments for all or specific kinds of Local community growth described in § 228.
Except as in any other case presented With this section, a bank need to be sure that its community file includes the data expected by this area for each on the previous a few calendar yrs, with The latest calendar calendar year A part of its file annually by April one of the current calendar year.
(two) A house property finance loan loan or a multifamily loan is situated from the census tract wherever the house securing the loan is found; and
A small lender, or a lender which was a little financial institution in the course of the prior calendar yr, have to incorporate in its community file the bank's loan-to-deposit ratio for every quarter with the prior calendar 12 months and, at its selection, further info on its loan-to-deposit ratio.