The Board evaluates a bank's department availability and expert services in the facility-based mostly evaluation place determined by the next:
Deposit products conscious of the desires of lower- and moderate-profits persons, family members, or households include things like but aren't limited to, deposit goods with the following types of options:
b of appendix A to this element for facility-primarily based assessment places and retail lending assessment regions, and paragraph IV.d of appendix A to this portion for out of doors retail lending parts; and
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(ii) In the event the Board, the FDIC, plus the OCC determine that a loan or financial investment is no longer eligible for Group enhancement thought, the proprietor on the loan or expenditure at enough time in the resolve will go on to obtain Group enhancement thought with the remaining time period or period of the loan or financial commitment.
suggests retail financial expert services provided by a lender to people, tiny companies, or smaller farms and contain a lender's methods for providing retail financial companies.
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The Board considers the weighted typical with the efficiency scores corresponding to the financial institution's Group Advancement Funding Test conclusions for its facility-dependent evaluation places throughout the multistate MSA, calculated pursuant to segment IV of appendix B to this aspect.
(B) For every of a financial institution's facility-based mostly evaluation regions in just a nonmetropolitan place, the Nonmetropolitan Nationwide Group Progress Funding Benchmark actions the dollar quantity of Local community progress loans and Local community growth investments that reward or serve nonmetropolitan areas in the nationwide space for all significant depository establishments when compared to deposits situated in nonmetropolitan locations within the nationwide area for all large depository establishments.
The Board considers The provision of distant services facilities in the following geographic areas:
The Financial institution Multistate MSA Group Growth Funding Metric measures the dollar quantity of the bank's Local community development loans and Local community enhancement investments that reward or provide a multistate MSA in comparison to deposits from the lender located in the multistate MSA, calculated pursuant to paragraph II.g of appendix B to this element.
(B) The Board determines that analysis beneath the program would not offer a far more meaningful reflection of your financial institution's document of assisting to satisfy the credit requires on the bank's Local community;
The Board assessments the effect and responsiveness of your bank's Neighborhood progress loans and Group improvement investments that reward or provide a multistate 228 loan MSA, as delivered in § 228.15.
(B) The performance from the financial institution's devices for delivering retail banking companies and The provision and responsiveness of the bank's retail banking merchandise, pursuant to § 228.23, as relevant;