(5) If the Retail Lending Examination advised conclusion does not properly replicate the bank's efficiency within a Retail Lending Examination Region wherein a number of on the lender's major item traces contains fewer than 30 loans;

(two) The dispersion of a lender's shut-stop dwelling property finance loan lending, modest enterprise lending, compact farm lending, or vehicle lending inside of a facility-primarily based evaluation location to determine whether you can find gaps in lending that aren't explained by general performance context;

) of the area, a bank might provide unique weights for averaging alongside one another the efficiency throughout these loan merchandise and will include Those people loan products inside the numerator with the Financial institution Quantity Metric.

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The Board could modify a little bank score from “Satisfactory” to “Exceptional” within the institution amount where by the bank requests and receives further thought for actions that could qualify pursuant on the Retail Providers and Products and solutions Test in § 228.

(iii) A population loss of 10 per cent or even more between the earlier and most up-to-date decennial census or a Web inhabitants decline of 5 p.c or even more about the 5-calendar year time period previous The latest census.

A bank that features modified or extra functionality analysis factors with accompanying once-a-year measurable objectives in its program will have to specify in its system annual measurable ambitions that constitute “Satisfactory” functionality and may specify once-a-year measurable ambitions that represent “Excellent” general performance.

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(B) The Nationwide Asset-Dependent Neighborhood Improvement Expense Benchmark steps the dollar quantity of Neighborhood growth investments that advantage or provide all or Portion of the nationwide spot, excluding mortgage loan-backed securities, of all depository institutions that experienced belongings larger than $ten billion as of December 31 in the two of the prior two calendar yrs, when compared to assets for the people depository establishments, calculated pursuant to paragraph III.e of appendix B to this aspect.

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Aside from a small bank that opts to be evaluated pursuant into the Retail Lending Examination in § 228.22, the Board assigns conclusions for your performance of a little financial institution evaluated under this part as offered in appendix E to this part.

A lender need to delineate one or more facility-centered assessment places in just which the Board evaluates the bank's file of assisting to meet up with the credit history requirements of its overall Group pursuant towards the effectiveness checks and strategic strategy described in § 228.21.

For every major merchandise line, a Geographic Group Benchmark, calculated pursuant to paragraph III.c of appendix A to this element for facility-dependent evaluation areas and retail lending assessment regions, and paragraph III.e of appendix A to this part for outside retail read more lending regions.