(ii) Each of the counties in the nonmetropolitan space of a Point out (utilizing the MSA boundaries that were in result as of January 1 of the calendar yr where the delineation applies), excluding:
(1) A nonmetropolitan middle-money census tract is designated as distressed whether it is inside of a county that meets one or more of the subsequent conditions:
Catastrophe preparedness and weather resiliency functions help people today and communities to organize for, adapt to, and face up to all-natural disasters or weather conditions-related hazards or disasters. Catastrophe preparedness and temperature resiliency activities reward or provide qualified census tracts and:
The Board makes use of the retail lending evaluation regions delineated by a big bank in its evaluation from the financial institution's shut-conclusion residence mortgage loan lending and tiny organization lending overall performance Except if the Board establishes that the retail lending evaluation regions tend not to adjust to the requirements of this portion.
) Distinct information about the dollar degree of the Neighborhood progress loan or Group advancement investment that was allocated to every county served by the loan or investment decision, if readily available.
A bank issue to knowledge reporting specifications pursuant to § 228.forty two must involve in its community file a written observe which the CRA Disclosure Statement pertaining for the financial institution, its functions subsidiaries, and its other affiliates, if relevant, may very well be attained on the FFIEC's Web page at:
(six) A financial institution's closed-conclude click here dwelling mortgage loan lending, compact small business lending, little farm lending, or car lending in distressed or underserved nonmetropolitan middle-earnings census tracts exactly where a bank's nonmetropolitan facility-based evaluation space or nonmetropolitan retail lending evaluation spot involves only a few or no reduced- and average-money census tracts; and
If an intermediate bank opts to generally be evaluated pursuant on the Group Progress Financing Examination in § 228.24, the Board evaluates the intermediate lender to the analysis period preceding the bank's following CRA assessment pursuant towards the Group Growth Funding Exam in § 228.24 and proceeds evaluations pursuant to this effectiveness check for subsequent analysis periods till the financial institution opts out.
(three) The quantity and greenback quantity of small organization loans and little farm loans Positioned inside of Each and every facility-centered assessment spot and retail lending evaluation region documented from the financial institution and also the variety and greenback quantity of small organization loans and compact farm loans located outside of the facility-primarily based assessment locations and retail lending assessment places described because of the lender; and
suggests a shut-conclusion dwelling mortgage loan or an open up-conclusion household home finance loan loan as these phrases are defined Within this segment.
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(four) The quantity and greenback quantity of community progress loans and Group improvement investments described as originated or obtained within Every facility-dependent evaluation location, Each individual State through which the lender has a branch, Every single multistate MSA wherein a bank includes a branch in two or even more States with the multistate MSA, and nationwide area outside of these States and multistate MSAs.
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A bank ought to keep a public file, in both paper or electronic format, that features the following information and facts: