(ii) Most of the counties in the nonmetropolitan location of the State (using the MSA boundaries that were in impact as of January 1 of the calendar year by which the delineation applies), excluding:
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When the Board receives a public comment ahead of the shut day of a financial institution's CRA examination, the public comment is going to be viewed as in connection with that CRA evaluation.
The Board might approve a plan just after considering the factors in paragraph (h)(3) of the segment and when it establishes which the bank has supplied adequate justification with the program and every aspect of the approach as necessary in paragraph (d) of this portion.
Pursuant to 12 U.S.C. 2906, the Board gives conclusions derived underneath this section independently for metropolitan regions through which a lender maintains one or more domestic department workplaces and for the nonmetropolitan area of the State if a lender maintains a number of domestic branch places of work in these types of nonmetropolitan spot.
(i) An intermediate lender's Group growth functionality is evaluated pursuant to the subsequent requirements:
) Advantages or serves one or more geographic parts with small levels of Local community development financing;
The Lender Assessment Space Local community Growth Funding Metric steps the greenback volume of the bank's Group development loans and community improvement investments that benefit or provide a facility-based mostly assessment space in comparison to deposits inside the bank that can be found in the ability-dependent assessment region, calculated pursuant to paragraph II.a of appendix B to this element.
For a substantial lender that had assets higher than $ten billion as of December 31 in both of those with the prior two calendar many years, the Bank Nationwide Group Growth Financial commitment Metric measures the greenback volume of your financial institution's Group advancement investments that reward or provide all or Portion of the nationwide area, excluding property finance loan-backed securities, as compared to the deposits while in the bank located in the nationwide place, calculated pursuant to paragraph II.m of appendix B to this component.
For the confined goal financial institution that had property bigger than $ten billion as of December 31 in each on the prior two calendar yrs, the Limited Objective Lender Group Development Investment decision Metric actions the dollar volume of the lender's Group enhancement investments that benefit or serve all or part of the nationwide area, excluding home loan-backed securities, when compared with the financial institution's property, calculated pursuant to paragraph III.d of appendix B to this element.
A big financial institution will have to collect check here and report to the Board each year by April 1 a listing of Each and every retail lending assessment location exhibiting the States, MSAs, and counties during the retail lending evaluation area for your prior calendar yr.
A large financial institution along with a minimal objective lender that might be a large financial institution according to the asset dimensions explained from the definition of a large financial institution must acquire and report back to the Board each year by April one a listing of Each and every facility-centered assessment location exhibiting the States, MSAs, and counties in the power-primarily based evaluation spot, as of December 31 of the prior calendar 12 months or the final day the facility-primarily based assessment spot was in influence, furnished the ability-based assessment place was delineated for at least 6 months of your prior calendar yr.
The Board considers the weighted common in the functionality scores akin to the bank's Group Enhancement Funding Take a look at conclusions for its facility-based mostly evaluation parts inside the multistate MSA, calculated pursuant to section IV of appendix B to this section.