The Board evaluates a lender's branch availability and products and services in a facility-based assessment region determined by the following:
(ii) In line with paragraph (g) of the area, a bank's approach may well incorporate optional evaluation factors or qualified modifications and additions towards the overall performance checks that might apply during the absence of an accepted strategy.
To build supporting conclusions for geographic distributions of shut-finish property mortgage loan loans, smaller enterprise loans, and compact farm loans, the Board evaluates the lender's performance by evaluating the Geographic Bank Metric to general performance ranges, according to the Geographic Market place Benchmark, the Geographic Neighborhood Benchmark, and multipliers, as described in paragraphs V.b and V.c of appendix A to this component.
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The Board considers the branch availability and services furnished at branches of financial institutions that operate one or more branches pursuant to paragraph (b)(two) of this part.
(A) Brings together the overall performance scores for each supporting conclusion for each key product line into a product line score; and
The joint prepare may perhaps contain optional analysis components or eligible modifications and additions to the performance exams that could apply from the absence of the accepted strategy.
b of appendix A to this section for facility-based mostly evaluation parts and retail lending evaluation places, and paragraph III.d of appendix A to this portion for out of doors retail lending regions; and
The Board considers the loans, investment decision, companies, and merchandise of a bank's functions subsidiaries less than this section, Except an functions subsidiary is independently matter for the CRA.
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) A bank might use choice weights for combining the borrower and geographic distribution analyses for important merchandise line(s) or other loan products.
(ii) The Board considers an intermediate bank's Neighborhood enhancement loans, community growth investments, and Group development companies without the need of regard to whether the activity is created in one or more on the lender's facility-centered evaluation locations. The extent in the Board's thought of Local community progress loans, Group enhancement investments, and Group development solutions outside of the lender's facility-centered evaluation spots will count on the adequacy of your lender's responsiveness to Local community progress desires and prospects inside the bank's facility-dependent assessment places and applicable efficiency context info.
(two) A retail lending evaluation area may not extend past a State boundary Except if the retail lending assessment location is made up of counties in a very multistate MSA.
Over the time period when the financial read more institution is formally soliciting public touch upon its initial draft approach, the financial institution must make copies with the Preliminary draft approach accessible for evaluation without charge in any respect places of work in the lender in any facility-based mostly evaluation location included through the approach and provide copies on the initial draft plan upon ask for for an inexpensive charge to deal with copying and mailing, if relevant.