228 loan - An Overview

The Board may possibly change a little bank score from “Satisfactory” to “Exceptional” within the institution stage exactly where the bank requests and receives additional thought for functions that could qualify pursuant into the Retail Providers and Products and solutions Exam in § 228.

(iii) Any conditions beyond the control of the bank, for instance economic ailments or other sector aspects or occasions, that have adversely impacted the lender's power to accomplish.

(ii) To obtain ownership or control of shares or all or substantially all of the assets of a lender, to bring about a bank to become a subsidiary of the lender Keeping organization, or to merge or consolidate a financial institution holding corporation with some other lender holding firm inside of a transaction that requires approval under segment 3 with the Lender Holding Corporation Act (twelve U.S.C. 1842);

(i) The retail lending requires of its facility-dependent evaluation places, retail lending assessment places, and outdoors retail lending place that happen to be covered with the program. A financial institution that originates or purchases loans in an item line evaluated pursuant for the Retail Lending Examination in § 228.

For a small bank evaluated beneath the Tiny Bank Lending Test, the Board costs the financial institution's performance under this area as provided in appendix more info E to this aspect.

indicates a business, besides a farm, that experienced gross yearly revenues for its previous fiscal year of $five million or significantly less.

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(ii) Consistent with paragraph (g) of this segment, a bank's prepare may possibly include optional evaluation factors or suitable modifications and additions towards the performance checks that will use within the absence of the accepted program.

means a bank, excluding a lender selected to be a confined reason lender pursuant to § 228.26, that experienced property of at the very least $2 billion as of December 31 in both of those on the prior two calendar years. The Board adjusts and publishes the determine During this definition per year, depending on the calendar year-to-calendar year adjust in the typical of The patron Price Index for City Wage Earners and Clerical Workers, not seasonally altered, for each twelve-month interval ending in November, with rounding to the nearest million.

상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.

(5) Are delivered to learners or their households through a school at which the vast majority of students qualify at no cost or minimized-cost foods under the U.S. Section of Agriculture's National College Lunch Application;

The Board evaluates The provision and utilization of a bank's deposit products and solutions aware of the wants of reduced- and reasonable-money persons, people, or households as follows:

For auto loans, the Board compares a financial institution's geographic and borrower distributions towards the relevant Group benchmarks, as offered in paragraph (file) of the portion and section VI of appendix A to this component.

The Board evaluates a minimal purpose financial institution's Local community development financing performance from the nationwide area, pursuant to § 228.19, and assigns a summary for your establishment dependant on the Board's thought of the next two components: