An Unbiased View of 228 loan
An Unbiased View of 228 loan
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(ii) Much more than fifty percent from the job is non-household as calculated by The proportion of overall square footage or dollar volume of the job.
Apart from a small financial institution that opts being evaluated pursuant into the Retail Lending Exam in § 228.22, the Board assigns conclusions for the efficiency of a small bank evaluated less than this portion as supplied in appendix E to this portion.
In Every single applicable Retail Lending Test Area, the Board evaluates originated and bought loans in Each and every of the subsequent products traces that is a significant product or service line, as described in paragraph (d)(two) of this portion:
(ix) An indicator for if the loan was to a business or farm with gross yearly revenues better than $one million; and
(i) A lender could include effectiveness evaluation factors and accompanying once-a-year measurable targets For added geographic regions but might not remove the analysis of its functionality in almost any geographic location that may be included in its functionality analysis during the absence of an permitted approach.
suggests a lender's loans in one of the following, independent groups in a selected Retail Lending Test Area:
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The Board assessments the impression and responsiveness on the bank's Local community advancement loans and community progress investments that reward or provide a multistate MSA, as provided in § 228.fifteen.
indicates a closed-end home mortgage loan or an open-end household mortgage loan as these phrases are outlined On this part.
To receive a designation as being a constrained reason lender, a lender must file a created request With all the Board at the least ninety days just before the proposed productive day with the designation.
Any facility-dependent assessment area, retail lending evaluation location, outside retail lending space, or other geographic spot that will be evaluated in the absence of an authorized approach, but is just not included in an permitted prepare, will likely be evaluated pursuant to the general performance exams that may use during the absence of an authorised strategy.
A bank ought to maintain a community file, in both paper or electronic structure, that includes the next facts:
(ii) If your Board, the FDIC, and also the OCC establish that a loan or expenditure is now not eligible for Local community development thought, the operator of the loan or investment decision at some time of the willpower will continue on to acquire community advancement thought to the remaining expression or duration of the loan or financial investment.