To guage a financial institution's geographic distributions for every big products line, excluding auto lending, the Board compares the related Geographic Lender Metric for each classification of specified census tracts to the relevant set of functionality ranges.
The outside retail lending region is comprised of component geographic locations. A component geographic region is any MSA or the nonmetropolitan space of any Point out, or portion thereof, incorporated inside the skin retail lending space.
(B) Any counties by which the massive bank didn't originate any shut-conclusion house mortgage loan loans or smaller enterprise loans which can be claimed loans in the course of that calendar 12 months.
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Federal Direct Loans are available to undergraduate and graduate pupils who are U.S. citizens or permanent inhabitants whatever the demonstration of eligibility for require-dependent aid.
The Board considers community growth loans and community enhancement investments allocated pursuant to paragraph I.b of appendix B to this section.
(i) A financial institution may well include efficiency evaluation elements and accompanying yearly measurable plans For extra geographic regions but might not remove the analysis of its general performance in almost any geographic area that will be included in its functionality analysis in the absence of an authorized program.
Proportion of overall number of owner-occupied housing units in lower- and average-income census tracts inside the applicable Retail Lending Take a look at Space which might be in reasonable-profits census tracts.
The Board calculates the Borrower Neighborhood Benchmark for each group of designated borrowers for every key solution line in Every facility-centered assessment area or retail lending evaluation area.
two. Calculating the weighting for every component geographic spot and important merchandise line as The proportion of your bank's loans in the key merchandise line originated or obtained in the skin retail lending location which might be throughout the component geographic region, determined by loan rely.
(2) A retail lending evaluation region may not lengthen over and above a Point out boundary Except the retail lending assessment spot is made up of counties within a multistate MSA.
(A) For each of a lender's facility-primarily based evaluation locations in just an MSA, the MSA Nationwide Group Growth Funding Benchmark measures the dollar quantity of community advancement loans and Group advancement investments that profit or serve MSAs while in the nationwide area for all large depository institutions compared to deposits located in the MSAs from the nationwide area for all massive depository establishments.
Proportion of complete quantity of farms in reduced- and get more info moderate-income census tracts in the relevant Retail Lending Take a look at Spot that are in reasonable-earnings census tracts.
(A) Combines the efficiency scores for each supporting conclusion for every main solution line into a product line rating; and