The Board evaluates a little bank's document of assisting to fulfill the credit requirements of its total community pursuant to your Smaller Financial institution Lending Exam as delivered in paragraph (a)(two) of the part, Until the compact financial institution opts to become evaluated pursuant towards the Retail Lending Examination in § 228.22.
Only a bank that's an affiliate of the holding business have to incorporate the following to the final sentence of the notices. A financial institution must contain the final sentence from the notices only if it is an affiliate of a holding corporation that isn't prevented by statute from buying extra depository establishments.
The Board evaluates a restricted objective lender's Group progress financing efficiency in Just about every State or multistate MSA, as applicable pursuant to §§ 228.
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
(A) The Board considers the digital shipping and delivery units as well as other delivery techniques of the subsequent banking companies:
(ii) From the prior two calendar years, the financial institution originated or bought outside the financial institution's facility-dependent assessment parts in excess of 50 % in the financial institution's property house loan loans, multifamily loans, little business enterprise loans, smaller farm loans, and car loans if vehicle loans are an item line for the lender, as explained in paragraph II.a.two of appendix A to this portion.
signifies a lender, excluding a lender specified for a restricted purpose financial institution pursuant to § 228.26, that experienced belongings of lower than $600 million as of December 31 in either of your prior two calendar many years. The Board adjusts and publishes the greenback figure in this definition on a yearly basis dependant on the year-to-year transform in the average of The customer Value Index for City Wage Earners and Clerical Staff, not seasonally modified, for each 12-thirty day period period ending in November, with rounding to the closest million.
(B) For each of the financial institution's facility-based evaluation spots in just a nonmetropolitan place, the Nonmetropolitan Nationwide Community Growth Funding Benchmark steps the greenback volume of Local community progress loans and Group progress investments that gain or provide nonmetropolitan parts inside the nationwide area for all big depository institutions compared to deposits located in nonmetropolitan locations while in the nationwide place for all substantial depository establishments.
To evaluate a bank's retail banking companies, the Board considers a click here financial institution's department availability and providers offered at branches, distant support facility availability, and electronic delivery devices together with other supply devices, as follows:
(seven) Data indicating that the credit history wants of the facility-centered assessment area or retail lending evaluation location are not remaining satisfied by lenders inside the aggregate, these that the suitable benchmarks don't adequately mirror Local community credit demands.
A small lender, or maybe a financial institution which was a small financial institution over the prior calendar 12 months, should contain in its community file the lender's loan-to-deposit ratio for every quarter of the prior calendar 12 months and, at its possibility, extra knowledge on its loan-to-deposit ratio.
The outside retail lending location is comprised of part geographic areas. A ingredient geographic location is any MSA or the nonmetropolitan place of any Condition, or part thereof, included within just the surface retail lending spot.
A large financial institution as well as a limited intent financial institution that would be a significant bank dependant on the asset dimension explained inside the definition of a giant financial institution must accumulate and report back to the Board each year by April one a list of Just about every facility-centered assessment space showing the States, MSAs, and counties in the ability-dependent evaluation region, as of December 31 on the prior calendar calendar year or the last date the ability-dependent assessment spot was in outcome, supplied the power-based mostly evaluation space was delineated for a minimum of 6 months from the prior calendar yr.
스마트폰으로 네이버를 이용하는 것은 이제 일상이 되었습니다. 모바일 웹 브라우저를 통해 네이버를 이용하거나, 네이버 앱을 설치하여 더욱 편리하게 네이버 서비스를 이용할 수 있습니다.