The Board evaluates a small lender's report of helping to satisfy the credit rating desires of its whole Group pursuant on the Small Financial institution Lending Take a look at as offered in paragraph (a)(2) of this section, Except if the modest financial institution opts to generally be evaluated pursuant towards the Retail Lending Test in § 228.22.
(six) A map of each and every facility-primarily based evaluation location and, as applicable, each retail lending assessment space exhibiting the boundaries of the world and identifying the census tracts contained in the area, either about the map or inside a individual record; and
The Board rates the functionality of the intermediate bank evaluated underneath this segment as offered in appendix D to this aspect.
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(A) The Board considers the electronic delivery techniques and also other shipping devices of the next banking institutions:
The Board considers the department availability and services furnished at branches of banking companies that run one or more branches pursuant to paragraph (b)(2) of this section.
(iv) Whether to solicit further community input or involve the bank to provide any additional reaction to general public enter now been given.
For a substantial financial institution necessary to report home mortgage loan data pursuant to twelve CFR portion 1003, the Board will publish over the Board's Web page the information demanded by paragraph (j)(two) of this part in regards to the distribution of a large financial institution's originations and apps of residence house loan loans by borrower or applicant revenue stage, race, and ethnicity in Every single in the lender's facility-based assessment places, and as applicable, its retail lending evaluation places. This data is posted every year dependant on details described pursuant to 12 CFR portion 1003.
(5) Data check here and information provided by the bank regarding the financial institution's business approach and products offerings;
(seven) Data indicating that the credit needs of the facility-primarily based evaluation place or retail lending assessment space are usually not currently being met by lenders within the combination, this sort of which the relevant benchmarks do not adequately replicate Group credit score requires.
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(B) The Nationwide Asset-Primarily based Local community Advancement Financial investment Benchmark measures the greenback quantity of Group improvement investments that profit or serve all or A part of the nationwide spot, excluding home finance loan-backed securities, of all depository establishments that experienced property increased than $10 billion as of December 31 in equally with the prior two calendar decades, as compared to property for all those depository establishments, calculated pursuant to paragraph III.e of appendix B to this portion.
Upon request, a bank should offer copies, either on paper or in electronic type acceptable to the individual making the ask for, of the data in its community file. The bank may perhaps cost a reasonable rate never to exceed the price of copying and mailing (if not provided in electronic type).
The Board considers the weighted normal with the general performance scores equivalent to the lender's Neighborhood Growth Financing Check conclusions for its facility-primarily based evaluation areas in the multistate MSA, calculated pursuant to section IV of appendix B to this part.