(one) Information and facts indicating that a financial institution purchased shut-conclude residence property finance loan loans, tiny business loans, compact farm loans, or vehicle loans for the only real or Major reason of inappropriately maximizing its retail lending efficiency, which includes, although not restricted to, details indicating subsequent resale of such loans or any indication that these loans are regarded in many depository institutions' CRA evaluations, by which case the Board isn't going to look at these kinds of loans within the financial institution's effectiveness evaluation;
(E) Allocation with the greenback amount of the Neighborhood progress loan or Local community improvement financial investment to geographic areas served with the loan or financial investment:
네이버를 자주 이용한다면, 북마크 기능을 활용하여 손쉽게 접근할 수 있습니다. 웹 브라우저의 북마크 기능을 통해 네이버 페이지를 등록하면, 다음부터는 북마크 목록에서 바로 네이버에 접속할 수 있습니다.
인터넷이라는 광활한 바다를 항해하며 정보의 보고를 찾는 우리에게 네이버는 든든한 나침반이자, 탐험의 동반자와 같습니다. 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버는 우리 일상의 거의 모든 영역에 깊숙이 스며들어 있습니다.
(ix) An indicator for whether or not the loan was to a company or farm with gross once-a-year revenues greater than $1 million; and
(A) Brings together the general performance scores for each supporting summary for every key solution line into an item line score; and
indicates a financial institution's loans in one of the next, independent types in a selected Retail Lending Examination Location:
) A financial institution may perhaps use substitute weights for combining the borrower and geographic distribution analyses for main product or service line(s) or other loan products.
The Board assigns conclusions to a significant lender's or confined reason lender's effectiveness within the relevant exams explained in paragraph (a) of the area pursuant to § 228.28 and appendix C to this element. The Board assigns conclusions to a little lender's or intermediate bank's functionality on the relevant assessments explained in paragraph (a) of the section pursuant to § 228.
) The variety of retail banking products and services and retail banking products and solutions presented through digital shipping and delivery systems and other shipping and delivery programs; and
Affiliated depository establishments supervised by the exact same Federal money supervisory agency may well put together a joint program, supplied which the prepare contains, for every lender, the applicable functionality exams that will utilize from the absence of an accepted system.
The Board considers the weighted regular with the performance scores equivalent to the bank's conclusions with the Group Progress Financing Exam for its facility-based evaluation parts in the nationwide spot, calculated pursuant to segment IV of appendix B to this portion.
A financial institution must involve in its system a target the credit score needs of its overall Local community, like reduced- and average-cash flow folks, people, or households, low- and average-revenue census tracts, and small corporations and little farms. The financial institution should explain how its system is attentive here to the qualities and credit score requirements of its facility-centered assessment spots, retail lending assessment spots, outdoors retail lending place, or other geographic regions served from the financial institution, contemplating community remark and the lender's capability and constraints, item choices, and company approach. As applicable, a financial institution have to specify factors in its program for assisting to fulfill:
implies a channel through which banking institutions offer you retail banking services electronically, like on-line banking or mobile banking.