A financial institution may possibly specify alternate weights for averaging exam performance across evaluation locations or other geographic parts. These choice weights should be based upon the financial institution's potential and Group requirements and chances in certain geographic places.

(iii) Any conditions beyond the control of the bank, which include economic circumstances or other sector factors or events, which have adversely impacted the bank's power to conduct.

means the efficiency of volunteer companies by a bank's or its affiliate's board users or staff members, performed on behalf of your financial institution, where those companies:

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(ix) An indicator for whether or not the loan was to a company or farm with gross annual revenues increased than $1 million; and

) The allocation of loans, investments, companies, and solutions to your lender, or among the affiliated banking institutions, need to replicate a reasonable foundation for that allocation and might not be for the sole or primary reason of inappropriately maximizing any financial institution's CRA analysis.

) Rewards or serves one or more geographic locations with low amounts of Neighborhood enhancement financing;

The Retail Lending Test evaluates a financial institution's document of helping to fulfill the credit score requires of its entire Local community with the financial institution's origination and buy of automobile loans In the event the financial institution is really a the greater part vehicle lender.

means a financial institution, excluding a financial institution designated as a limited goal bank pursuant to § 228.26, that experienced property of at the very least $2 billion as of December 31 in each of the prior two calendar years. The Board adjusts and publishes the figure In this particular definition every year, depending on the year-to-calendar year modify in the standard of The customer Value Index for Urban Wage Earners and Clerical Workers, not seasonally modified, for every 12-thirty day period period of time ending in November, with rounding to the nearest million.

(7) Info indicating the credit requirements of the ability-based mostly evaluation region or retail lending assessment area are usually not currently being satisfied by lenders during the combination, this sort of which the relevant benchmarks never sufficiently replicate Group credit demands.

The Board evaluates the report of the intermediate lender, or a small lender that opts being evaluated under the Retail Lending Exam, of helping to satisfy the credit rating demands of its overall community in its outside the house retail lending space pursuant to § 228.22, more info for a certain calendar 12 months, if:

When you've got issues to the Company that issued The present document be sure to Speak to the agency specifically.

(ii) The Board considers an intermediate financial institution's Group growth loans, Neighborhood improvement investments, and Group development providers without the need of regard to whether or not the action is built in a number of with the bank's facility-dependent evaluation places. The extent with the Board's consideration of community progress loans, community development investments, and Group improvement expert services beyond the lender's facility-primarily based assessment parts will depend on the adequacy on the financial institution's responsiveness to Group development requirements and prospects in the financial institution's facility-centered evaluation areas and applicable efficiency context facts.

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