The Board may change a small bank ranking from “Satisfactory” to “Fantastic” within the institution level in which the bank requests and gets added consideration for the subsequent functions, with out regard to whether or not the exercise is in a number of of your bank's facility-based assessment parts, as relevant:
(5) A summary of retail banking expert services (together with hrs of Procedure, offered loan and deposit items, and transaction fees) typically provided with the lender's branches and descriptions of material differences in the availability or price of solutions at distinct branches, if any.
(one) Thing to consider from the dollar volume with the limited goal financial institution's Neighborhood progress loans and Group development investments that reward or serve the ability-based mostly evaluation location; and
i. Summing, over time in the evaluation interval, the lender's once-a-year greenback quantity of deposits from the Retail Lending Exam Area.
The Board critiques the impression and responsiveness in the lender's Group advancement loans and Group advancement investments that profit or provide a multistate MSA, as provided in § 228.15.
Proportion of whole quantity of farms in low- and reasonable-money census tracts during the applicable Retail Lending Check Space which have been in very low-earnings census tracts.
(iii) A list displaying Each individual census tract in which the financial institution claimed a little business loan or a small farm loan;
indicates, notwithstanding the definition of “small business enterprise” With this area, a loan A part of “loans to modest companies” as reported in Agenda RC-C of the Call Report.
For a little financial institution evaluated beneath the Tiny Bank Lending Take a look at, the Board prices the financial institution's general performance beneath this part as presented in appendix E to this element.
(A) Distributing the initial draft program for publication over the Board's Web site and by publishing the initial draft program to the lender's website, When the financial institution more info maintains just one; and
Share of whole number of low-cash flow and average-income families within the relevant Retail Lending Take a look at Space which have been low-cash flow families.
(A) For every of the bank's facility-based mostly evaluation places in an MSA, the MSA Nationwide Neighborhood Improvement Funding Benchmark measures the dollar quantity of Group development loans and community development investments that benefit or provide MSAs while in the nationwide region for all significant depository institutions in comparison to deposits situated in the MSAs in the nationwide place for all big depository establishments.
Percentage of complete variety of farms in very low- and average-money census tracts within the relevant Retail Lending Exam Area which can be in reasonable-revenue census tracts.
i. The sum, over the prior two calendar decades, of the large lender's property home finance loan loans, multifamily loans, tiny small business loans, compact farm loans, and automobile loans if automobile loans are a product line for the big lender, originated or acquired in its facility-based assessment locations; divided by