A financial institution might put together only one strategy or independent designs for its facility-primarily based evaluation locations, retail lending evaluation places, exterior retail lending space, or other geographic areas that might be evaluated during the absence of an accredited system.

(6) A map of each and every facility-primarily based evaluation place and, as relevant, Every single retail lending evaluation region exhibiting the boundaries of the area and figuring out the census tracts contained in the area, both on the map or in the independent checklist; and

The Nationwide Group Advancement Financing Benchmark measures the dollar volume of Local community development loans and Neighborhood advancement investments that gain or provide all or part of the nationwide region for all massive depository institutions in comparison with the deposits located in the nationwide location for all huge depository institutions, calculated pursuant to paragraph II.k of appendix B to this element.

The inclusion of the affiliate's loans, investments, companies, and solutions within a bank's approach, or in the joint program of affiliated depository establishments, is matter to the subsequent:

(i) Why the lender's business product is outdoors the scope of, or inconsistent with, a number of elements of the performance tests that could apply from the absence of the accepted approach;

) The allocation of loans, investments, companies, and merchandise into a bank, or among the affiliated financial institutions, have to reflect an inexpensive basis for the allocation and is probably not for the only or Main purpose of inappropriately boosting any bank's CRA analysis.

) Rewards or serves a number of geographic locations with minimal amounts of Neighborhood growth financing;

) A lender might use different weights for combining the borrower and geographic distribution analyses for important product line(s) or other loan goods.

To evaluate a financial institution's retail banking solutions, the Board considers a lender's branch availability and companies delivered at branches, remote provider facility availability, and digital supply systems along with other shipping and delivery techniques, as follows:

(five) If the Retail Lending Examination advised conclusion does not properly mirror the lender's general performance in a very Retail Lending Exam Area by which a number of with the financial institution's significant product traces includes much less than 30 loans;

For the limited goal financial institution that experienced belongings bigger than $ten billion as of December 31 in the two on the prior two calendar decades, the Limited Goal Financial institution Local community Enhancement Expense Metric measures the dollar quantity of your lender's Group enhancement investments that profit or provide all or Element of the nationwide space, excluding mortgage-backed securities, in comparison with the bank's belongings, calculated pursuant to paragraph more info III.d of appendix B to this section.

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(B) Any counties in which the large financial institution did not originate any closed-conclusion home mortgage loan loans or smaller business loans which can be documented loans through that calendar calendar year.

(x) An indicator for if the loan was to a business or farm for which gross annual revenues aren't identified through the bank.