The factors that are required,
under section 4, to be considered in connection with, and enumerated
in, any certificate issued pursuant to section 4 and that are required,
under section 5, to be considered by the Board of Directors in connection
with any determination by such Board pursuant to section 5 are the
following:
(1) The financial history
and condition of the depository institution.
(2) The adequacy of the depository institution’s
capital structure.
(3)
The future earnings prospects of the depository institution.
(4) The general character
and fitness of the management of the depository institution.
(5) The risk presented by such
depository institution to the Deposit Insurance Fund.
(6) The convenience and needs
of the community to be served by such depository institution.
(7) Whether the depository
institution’s corporate powers are consistent with the purposes of
this Act.
[12 USC 1816. As added
by act of Sept. 21, 1950 (64 Stat. 876) and amended by acts of Aug.
9, 1989 (103 Stat. 206) and Feb. 15, 2006 (117 Stat. 3611).]
