To judge a lender's geographic distributions for every big product or service line, excluding vehicle lending, the Board compares the applicable Geographic Bank Metric for every class of selected census tracts to your relevant set of efficiency ranges.
two. Summing, over time from the evaluation interval, the bank's once-a-year number of originated and purchased loans in the most important item line in the Retail Lending Examination Region.
) The number of checking and personal savings accounts opened digitally and thru other supply techniques by census tract cash flow amount for every calendar calendar year; and
The Bank Condition Neighborhood Enhancement Funding Metric actions the greenback volume of the bank's Group growth loans and Group progress investments that profit or provide all or Element of a Condition when compared to deposits inside the lender that can be found inside the Point out, calculated pursuant to paragraph II.d of appendix B to this component.
Share of total range of households in reduced- and average-income census tracts during the relevant Retail Lending Examination Spot that happen to be in small-money census tracts.
The Board considers the use of the lender's deposit goods attentive to the needs of minimal- and reasonable-money men and women, family members, or homes based upon the subsequent information and facts:
Prior to distributing a draft decide to the Board for acceptance pursuant to paragraph (h) of this segment, a financial institution must:
The Board assigns conclusions with the overall performance of the bank running underneath a strategic prepare pursuant to § 228.
The Board testimonials the effect and responsiveness of more info your bank's Local community improvement loans and Group growth investments that benefit or provide a Point out, as offered in § 228.fifteen.
The Board considers the department availability and providers offered at branches of banking institutions that operate one or more branches pursuant to paragraph (b)(two) of this segment.
The Board testimonials the affect and responsiveness on the bank's Local community growth loans and Neighborhood improvement investments that advantage or provide the nationwide place, as furnished in § 228.15.
The Board evaluates a bank's Neighborhood growth products and services general performance inside a facility-based mostly assessment spot and assigns a summary for a facility-centered evaluation area, by thinking about one or more of the following:
iii. If a bank has not collected, managed, or noted loan data on an item line within a facility-based evaluation region or outside the house retail lending location for a number of several years of the evaluation period of time, the item line is A serious item line Should the Board determines the product line is content into the financial institution's enterprise in the power-based assessment spot or outside the house retail lending region.
Any facility-dependent assessment place, retail lending assessment place, outdoors retail lending space, or other geographic spot that would be evaluated from the absence of an permitted strategy, but will not be included in an permitted strategy, might be evaluated pursuant towards the general performance exams that could implement from the absence of the accepted system.