(5) A list of retail banking products and services (together with hours of operation, accessible loan and deposit products, and transaction expenses) frequently supplied with the financial institution's branches and descriptions of material variations in The supply or cost of products and services at certain branches, if any.
(one) A nonmetropolitan Center-money census tract is designated as distressed whether it is within a county that meets one or more of the following standards:
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indicates, notwithstanding the definition of “modest small business” Within this area, a loan included in “loans to little firms” as reported in Program RC-C of the Call Report.
The Board considers the weighted ordinary in the functionality scores corresponding to the bank's Neighborhood Progress Financing Examination conclusions for its facility-based assessment parts within the State, pursuant to segment IV of appendix B to this section.
(3) Positive aspects or serves one or more geographic spots with reduced levels of Group growth funding;
(B) For every of the bank's facility-centered assessment places in just a nonmetropolitan space, the Nonmetropolitan Nationwide Neighborhood Progress Funding Benchmark steps the greenback quantity of Group improvement loans click here and Local community improvement investments that advantage or serve nonmetropolitan places during the nationwide area for all big depository institutions in comparison to deposits located in nonmetropolitan locations inside the nationwide location for all big depository institutions.
The Financial institution Nationwide Community Advancement Funding Metric actions the dollar quantity from the bank's Group enhancement loans and Local community growth investments that advantage or serve all or Element of the nationwide spot as compared to deposits within the financial institution situated in the nationwide spot, calculated pursuant to paragraph II.j of appendix B to this portion.
(A) A replica of the general public section with the bank's most recent CRA functionality analysis and a listing of companies furnished by the department; and
The Board evaluates a bank's distant assistance facility availability in a very facility-centered evaluation spot based upon the following:
A large bank will have to collect and maintain in Digital kind, as prescribed through the Board, right until completion from the lender's upcoming CRA examination where the information are evaluated, the subsequent facts with respect to retail banking expert services and retail banking products provided and furnished by the lender all through Just about every calendar yr:
For automobile loans, the Board compares a lender's geographic and borrower distributions on the relevant Group benchmarks, as offered in paragraph (file) of the segment and segment VI of appendix A to this section.
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