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The Board evaluates a bank's branch availability and solutions in a very facility-centered assessment area according to the next:(B) For large banks that had assets fewer than or equal to $10 billion as of December 31 in either of your prior two calendar decades, the Board considers a financial institution's deposit merchandise only with the financ
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The Board's thing to consider from the branch distribution metrics is informed by the next benchmarks:(2) A nonmetropolitan middle-earnings census tract is designated as underserved if it fulfills the standards for inhabitants dimension, density, and dispersion that reveal the realm's population is sufficiently modest, slender, and distant from the
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For each significant products line, the Board develops a independent supporting summary for every group of census tracts and every classification of borrowers explained in paragraphs V.a and VI.a of appendix A to this part.(four) Some other evidence demonstrating the bank's community progress companies are aware of Local community growth desires, w
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(five) If the Retail Lending Exam advised conclusion will not precisely reflect the lender's effectiveness inside of a Retail Lending Take a look at Space through which one or more in the lender's big item strains consists of fewer than thirty loans;Notwithstanding the necessities of this section, a armed service financial institution whose shopper