(i) The range and percentage of originations and apps of the big lender's home property finance loan loans by borrower or applicant earnings degree, race, and ethnicity;
i. If a lender's vehicle loans are a product line (both since the bank is a the greater part automobile lender or opts to possess its automobile loans evaluated pursuant to § 228.22), automobile loans are a product line for the bank for the entire analysis interval.
(B) A lender might specify making use of property as a substitute denominator for a Local community development financing metric if it better actions a lender's capacity.
) Unique information about the greenback amount of the Neighborhood progress loan or community improvement financial commitment that was allocated to each county served through the loan or expenditure, if available.
) The volume of examining and discounts accounts opened digitally and thru other shipping and delivery methods which might be active at the conclusion of each calendar yr by census tract profits level for every calendar calendar year.
has the exact same indicating as that expression is outlined from the Director of the Business office of Administration and Finances.
The Board may perhaps change a little bank rating from “Satisfactory” to “Exceptional” with the establishment level in which the bank requests and receives additional thought for things to do that will qualify pursuant towards the Retail Companies and Goods Examination in § 228.
Share of total variety of operator-occupied housing models in reduced- and reasonable-money census tracts while in the relevant Retail Lending Exam Region that happen to be in reasonable-money census tracts.
For a small lender evaluated beneath the Small Lender Lending Take a look at, the Board costs the bank's efficiency underneath this area as offered in appendix E to this component.
(B) For large banks that had assets below or equivalent to $10 billion as of December 31 in both in the prior two calendar a long time, the Board considers a bank's deposit products only within the lender's solution.
usually means a loan to one or more people today for house, spouse and children, or other private expenditures and that is without doubt one of the next varieties of loans:
); the phrase “uninsured Condition branch” suggests a Point out department the deposits of which are not insured with the Federal Deposit Coverage Company; the term “restricted branch” means a Point out department that accepts only deposits which are permissible for a corporation organized beneath segment 25A of the Federal Reserve Act (12 U.S.C. 611 et seq.
one. Summing, over time while get more info in the evaluation time period, the yearly quantity of claimed loans in the key product line in specified census tracts in the power-primarily based evaluation area or retail lending assessment place originated by all lenders.
Any facility-based assessment area, retail lending evaluation area, exterior retail lending region, or other geographic space that might be evaluated inside the absence of the accepted plan, but is just not A part of an accepted approach, is going to be evaluated pursuant into the overall performance tests that could utilize inside the absence of the authorized prepare.