The Condition Group Enhancement Funding Benchmark steps the greenback quantity of Neighborhood advancement loans and Group growth investments that benefit or provide all or Portion of a Condition for all huge depository institutions in comparison to deposits located in the Point out for all huge depository institutions, calculated pursuant to paragraph II.e of appendix B to this element.
(E) Allocation on the greenback level of the Neighborhood enhancement loan or Group development investment to geographic places served because of the loan or investment decision:
The Board evaluates a minimal goal lender's Neighborhood enhancement funding functionality in Each individual State or multistate MSA, as applicable pursuant to §§ 228.
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The Board critiques the effect and responsiveness of a lender's Local community growth loans and Neighborhood improvement investments that benefit or provide a facility-centered assessment location, as provided in § 228.fifteen.
The Board considers the weighted typical with the overall performance scores comparable to the lender's Community Growth Funding Test conclusions for its facility-primarily based assessment regions throughout the State, pursuant to segment IV of appendix B to this portion.
(four) Lacking or faulty data that might be important to determine the related metrics and benchmarks or some other aspects that reduce the Board from calculating a Retail Lending Check advisable summary.
The loans, investments, services, and products of the financial institution's operations subsidiary should be A part of the lender's approach, Until the operations subsidiary is independently issue to CRA prerequisites.
The Financial institution Nationwide Community Enhancement Financing Metric measures the greenback volume of the financial institution's community enhancement loans and Local community development investments that gain or serve all or Component of the nationwide location in comparison with deposits within the financial institution situated in the nationwide 228 loan location, calculated pursuant to paragraph II.j of appendix B to this section.
) of this segment, a financial institution may perhaps provide various weights for averaging jointly the overall performance across these loan items and will incorporate All those loan products and solutions during the numerator on the Bank Volume Metric.
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(B) For giant banks that had assets lower than or equal to $10 billion as of December 31 in either from the prior two calendar a long time, the Board considers a financial institution's deposit solutions only within the lender's possibility.
For every key item line, a Borrower Local community Benchmark, calculated pursuant to paragraph IV.c of appendix A to this component for facility-dependent evaluation places and retail lending evaluation places, and paragraph IV.e of appendix A to this section for out of doors retail lending parts.
) The number of retail banking solutions and retail banking items presented by electronic shipping and delivery programs and various shipping programs; and