The Board evaluations the impact and responsiveness from the bank's Neighborhood development loans and Local community growth investments that benefit or serve a Point out, as delivered in § 228.fifteen.
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The Board evaluates a minimal objective financial institution's Local community development financing efficiency in Each individual State or multistate MSA, as relevant pursuant to §§ 228.
(B) Besides as furnished in § 228.fifty one(e), a substantial lender using a put together overall of ten or more facility-centered evaluation regions and retail lending evaluation locations in any Point out or multistate MSA, as relevant, or with the establishment may not receive a score of “Satisfactory” or “Excellent” in that Condition or multistate MSA, as relevant, or with the establishment, Unless of course the lender gets an General conclusion of not less than “Reduced Satisfactory” in sixty p.c or maybe more of the full quantity of its facility-based mostly assessment spots and retail lending evaluation spots in that State or multistate MSA, as applicable, or to the establishment.
The Board reviews the impact and responsiveness of the bank's community development loans and Group development investments that profit or serve a facility-based evaluation space, as furnished in § 228.fifteen.
The Board evaluates a sizable financial institution's report of helping to meet the credit rating desires of its overall Neighborhood in its outside retail lending place pursuant to § 228.
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) Added benefits or serves a number of geographic parts with reduced levels of Neighborhood progress funding;
Issue towards the geographic demands in paragraph (b) of this section, a sizable lender will have to delineate, for a certain calendar year, a retail lending assessment space in almost any MSA or inside the nonmetropolitan area of any Condition through which it originated:
) The number of retail banking companies and retail banking products and solutions supplied as a result of digital shipping and delivery programs and other delivery methods; and
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(4) The variety and greenback volume of Group growth loans and community growth investments described as originated or obtained inside of Each and every facility-dependent evaluation region, Each and every Condition through which the lender features a branch, Every single multistate MSA where a bank includes a branch in two or more States in the multistate MSA, and nationwide spot beyond these States and multistate MSAs.
(B) Any counties in which the massive financial institution didn't originate any shut-close household home loan loans or modest business loans which can be reported loans for the duration of that calendar year.
(3) The financial institution might not claim click here Neighborhood improvement loans or community improvement investments accounting for over its percentage share (according to the extent of its participation or investment decision) of the whole loans or investments produced by the consortium or 3rd party.