228 loan - An Overview
228 loan - An Overview
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For each census tract during which the financial institution originated or bought a little enterprise loan or tiny farm loan, the financial institution should report the aggregate variety and dollar number of smaller organization loans and tiny farm loans:
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The Nationwide Community Progress Financing Benchmark measures the dollar quantity of Neighborhood improvement loans and Group enhancement investments that advantage or provide all or Element of the nationwide region for all big depository institutions when compared to the deposits located in the nationwide space for all significant depository establishments, calculated pursuant to paragraph II.k of appendix B to this portion.
(i) The retail lending requirements of its facility-based mostly evaluation parts, retail lending assessment regions, and outside retail lending location which can be protected by the system. A bank that originates or buys loans in an item line evaluated pursuant on the Retail Lending Take a look at in § 228.
) Unique details about the dollar quantity of the Group advancement loan or Group development investment which was allotted to every county served by the loan or expense, if obtainable.
A lender topic to this part might request the Board ensure that a loan, financial investment, or services is suitable for Group growth consideration by publishing a request to, and in a format prescribed by, the Board.
) Positive aspects or serves one or more geographic areas with reduced amounts of community growth financing;
(three) A little enterprise loan or small farm loan is found within the census tract where the key organization facility or farm is found or where by the borrower will normally implement the loan proceeds, as indicated because read more of the borrower.
(5) A summary of retail banking products and services (including hrs of Procedure, available loan and deposit products, and transaction fees) typically presented in the bank's branches and descriptions of fabric variances in The provision or expense of solutions at individual branches, if any.
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(A) A lender may well specify yearly measurable targets for community development loans, Neighborhood growth investments, or equally. The bank must foundation any once-a-year measurable targets as a share or ratio from the lender's Neighborhood advancement loans and Group growth investments for all or certain different types of Local community advancement explained in § 228.
The Multistate MSA Neighborhood Development Funding Benchmark measures the greenback volume of Local community improvement loans and Group development investments that gain or serve a multistate MSA for all substantial depository institutions compared to deposits located in the multistate MSA for all massive depository establishments, calculated pursuant to paragraph II.h of appendix B to this portion.
A bank's plan should give a justification that demonstrates the necessity for the next areas of a prepare due to financial institution's small business design (
A little bank, or even a bank which was a little bank throughout the prior calendar yr, need to contain in its public file the lender's loan-to-deposit ratio for each quarter of the prior calendar calendar year and, at its solution, added info on its loan-to-deposit ratio.