{"component": "clause", "props": {"groups": [{"snippet": "Within 60 days of this Agreement, Bancorp shall submit to the Reserve Bank an acceptable written plan to maintain sufficient capital at Bancorp on a consolidated basis. The plan shall, at a minimum, address, consider, and include:", "samples": [{"hash": "3MeXeYGU0pG", "uri": "/contracts/3MeXeYGU0pG#capital-plan", "label": "Written Agreement (Patriot National Bancorp Inc)", "score": 20.2210814511, "published": true}, {"hash": "a4gFH4oiEhN", "uri": "/contracts/a4gFH4oiEhN#capital-plan", "label": "Written Agreement", "score": 20.0046139019, "published": true}, {"hash": "kdL62dHmwl8", "uri": "/contracts/kdL62dHmwl8#capital-plan", "label": "Written Agreement (First National Community Bancorp Inc)", "score": 19.9144421629, "published": true}], "size": 38, "snippet_links": [{"key": "this-agreement", "type": "clause", "offset": [18, 32]}, {"key": "submit-to", "type": "clause", "offset": [48, 57]}, {"key": "the-reserve-bank", "type": "definition", "offset": [58, 74]}, {"key": "written-plan", "type": "clause", "offset": [89, 101]}, {"key": "to-maintain", "type": "clause", "offset": [102, 113]}, {"key": "sufficient-capital", "type": "clause", "offset": [114, 132]}, {"key": "consolidated-basis", "type": "clause", "offset": [149, 167]}, {"key": "the-plan", "type": "clause", "offset": [169, 177]}], "hash": "f51d85198fcf1e853859d314048dd808", "id": 1}, {"snippet": "(1) Within sixty (60) days, the Board shall develop, implement, and thereafter ensure Bank adherence to a three year capital program. The program shall include:\n(a) specific plans for the maintenance of adequate capital and the establishment of capital targets for Total Risk-based and Tier One Capital ratios commensurate with the Bank\u2019s risk profile;\n(b) projections for growth and capital requirements based upon a detailed analysis of the Bank's assets, liabilities, earnings, fixed assets, off-balance sheet activities, growth plans, and credit risk trends;\n(c) projections of the sources and timing of additional capital to meet the Bank's current and future needs;\n(d) the primary source(s) from which the Bank will strengthen its capital structure to meet the Bank's needs;\n(e) contingency plans that identify alternative methods should the primary source(s) under (d) above not be available; and\n(f) development of short term capital ratio projections in conjunction with the annual budgeting process, and also long term strategies to provide for the repayment of preferred stock issued under the U.S. Treasury Department\u2019s Troubled Asset Relief Program (TARP); and\n(g) a dividend policy that permits the declaration of a dividend only:\n(i) when the Bank is in compliance with its approved capital program;\n(ii) in conformance with the requirements set forth at 12 C.F.R Part 163 Subpart E \u2013 Capital Distributions; and\n(iii) with the prior written determination of no supervisory objection by the Assistant Deputy Comptroller. Upon receiving a determination of no supervisory objection from the Assistant Deputy Comptroller, the Bank shall implement and adhere to the dividend policy.\n(2) Upon completion, the Bank's capital program shall be submitted to the Assistant Deputy Comptroller for prior determination of no supervisory objection. Upon receiving a determination of no supervisory objection from the Assistant Deputy Comptroller, the Bank shall implement and adhere to the capital program. The Board shall review and update the Bank's capital program on an annual basis, or more frequently if necessary. Copies of the reviews and updates shall be submitted to the Assistant Deputy Comptroller.\n(3) The Board shall ensure that the Bank has processes, personnel, and control systems to ensure implementation of and adherence to the program developed pursuant to this Article.", "samples": [{"hash": "9WV2C6TKAYW", "uri": "/contracts/9WV2C6TKAYW#capital-plan", "label": "Banking Agreement", "score": 21.7099939043, "published": true}, {"hash": "62uM399pH4G", "uri": "/contracts/62uM399pH4G#capital-plan", "label": "Banking Agreement (Community Financial Corp /Va/)", "score": 21.6173853525, "published": true}], "size": 12, "snippet_links": [{"key": "board-shall", "type": "definition", "offset": [32, 43]}, {"key": "capital-program", "type": "definition", "offset": [117, 132]}, {"key": "the-program", "type": "clause", "offset": [134, 145]}, {"key": "specific-plans", "type": "clause", "offset": [165, 179]}, {"key": "maintenance-of", "type": "clause", "offset": [188, 202]}, {"key": "adequate-capital", "type": "clause", "offset": [203, 219]}, {"key": "establishment-of", "type": "clause", "offset": [228, 244]}, {"key": "capital-ratios", "type": "definition", "offset": [295, 309]}, {"key": "with-the-bank", "type": "clause", "offset": [323, 336]}, {"key": "risk-profile", "type": "clause", "offset": [339, 351]}, {"key": "capital-requirements", "type": "clause", "offset": [384, 404]}, {"key": "fixed-assets", "type": "clause", "offset": [481, 493]}, {"key": "balance-sheet", "type": "definition", "offset": [499, 512]}, {"key": "credit-risk", "type": "definition", "offset": [543, 554]}, {"key": "timing-of", "type": "clause", "offset": [598, 607]}, {"key": "additional-capital", "type": "clause", "offset": [608, 626]}, {"key": "future-needs", "type": "clause", "offset": [658, 670]}, {"key": "the-primary", "type": "clause", "offset": [676, 687]}, {"key": "the-bank-will", "type": "clause", "offset": [709, 722]}, {"key": "capital-structure", "type": "clause", "offset": [738, 755]}, {"key": "contingency-plans", "type": "clause", "offset": [786, 803]}, {"key": "alternative-methods", "type": "clause", "offset": [818, 837]}, {"key": "development-of", "type": "clause", "offset": [909, 923]}, {"key": "short-term", "type": "clause", "offset": [924, 934]}, {"key": "annual-budgeting-process", "type": "clause", "offset": [985, 1009]}, {"key": "long-term", "type": "clause", "offset": [1020, 1029]}, {"key": "provide-for", "type": "clause", "offset": [1044, 1055]}, {"key": "repayment-of", "type": "clause", "offset": [1060, 1072]}, {"key": "preferred-stock", "type": "definition", "offset": [1073, 1088]}, {"key": "the-us", "type": "clause", "offset": [1102, 1109]}, {"key": "treasury-department", "type": "definition", "offset": [1111, 1130]}, {"key": "troubled-asset-relief-program", "type": "clause", "offset": [1133, 1162]}, {"key": "dividend-policy", "type": "clause", "offset": [1181, 1196]}, {"key": "in-compliance-with", "type": "definition", "offset": [1267, 1285]}, {"key": "the-requirements", "type": "clause", "offset": [1341, 1357]}, {"key": "subpart-e", "type": "definition", "offset": [1389, 1398]}, {"key": "capital-distributions", "type": "clause", "offset": [1401, 1422]}, {"key": "determination-of", "type": "clause", "offset": [1457, 1473]}, {"key": "supervisory-objection", "type": "definition", "offset": [1477, 1498]}, {"key": "the-assistant", "type": "clause", "offset": [1502, 1515]}, {"key": "deputy-comptroller", "type": "definition", "offset": [1516, 1534]}, {"key": "upon-receiving", "type": "clause", "offset": [1536, 1550]}, {"key": "the-bank-shall", "type": "clause", "offset": [1634, 1648]}, {"key": "adhere-to", "type": "clause", "offset": [1663, 1672]}, {"key": "the-dividend", "type": "clause", "offset": [1673, 1685]}, {"key": "upon-completion", "type": "clause", "offset": [1698, 1713]}, {"key": "the-capital", "type": "clause", "offset": [1987, 1998]}, {"key": "review-and-update", "type": "clause", "offset": [2024, 2041]}, {"key": "annual-basis", "type": "clause", "offset": [2075, 2087]}, {"key": "copies-of-the", "type": "clause", "offset": [2122, 2135]}, {"key": "control-systems", "type": "clause", "offset": [2283, 2298]}, {"key": "to-ensure", "type": "clause", "offset": [2299, 2308]}, {"key": "pursuant-to", "type": "definition", "offset": [2366, 2377]}, {"key": "this-article", "type": "definition", "offset": [2378, 2390]}], "hash": "5361986b62745110e7d99859af85f8a2", "id": 2}, {"snippet": "(1) Within sixty (60) days of the date of this Agreement, the Board shall develop, implement, and thereafter ensure Bank adherence to a three year capital program. The program shall include:\n(a) specific plans for the maintenance of adequate capital given the Bank\u2019s risk profile;\n(b) projections for growth and capital requirements based upon a detailed analysis of the Bank's assets, liabilities, earnings, fixed assets, and off- balance sheet activities;\n(c) projections of the sources and timing of additional capital to meet the Bank's current and future needs;\n(d) the primary source(s) from which the Bank will strengthen its capital structure to meet the Bank's needs;\n(e) contingency plans that identify alternative methods should the primary source(s) under (d) above not be available; and\n(f) a dividend policy that permits the declaration of a dividend only:\n(i) when the Bank is in compliance with its approved capital program;\n(ii) when the Bank is in compliance with 12 U.S.C. \u00a7\u00a7 56 and 60; and\n(iii) with the prior written determination of no supervisory objection by the Assistant Deputy Comptroller. Upon receiving a determination of no supervisory objection from the Assistant Deputy Comptroller, the Bank shall implement and adhere to the dividend policy.\n(2) Upon completion, the Bank's capital program shall be submitted to the Assistant Deputy Comptroller for prior determination of no supervisory objection. Upon receiving a determination of no supervisory objection from the Assistant Deputy Comptroller, the Bank shall implement and adhere to the capital program. The Board shall review and update the Bank's capital program on an annual basis, or more frequently if necessary. Copies of the reviews and updates shall be submitted to the Assistant Deputy Comptroller.", "samples": [{"hash": "iAUtI31MrxG", "uri": "/contracts/iAUtI31MrxG#capital-plan", "label": "Banking Agreement", "score": 19.0, "published": true}], "size": 12, "snippet_links": [{"key": "date-of-this-agreement", "type": "definition", "offset": [34, 56]}, {"key": "board-shall", "type": "definition", "offset": [62, 73]}, {"key": "capital-program", "type": "definition", "offset": [147, 162]}, {"key": "the-program", "type": "clause", "offset": [164, 175]}, {"key": "specific-plans", "type": "clause", "offset": [195, 209]}, {"key": "maintenance-of", "type": "clause", "offset": [218, 232]}, {"key": "adequate-capital", "type": "clause", "offset": [233, 249]}, {"key": "risk-profile", "type": "clause", "offset": [267, 279]}, {"key": "capital-requirements", "type": "clause", "offset": [312, 332]}, {"key": "fixed-assets", "type": "clause", "offset": [409, 421]}, {"key": "balance-sheet", "type": "definition", "offset": [432, 445]}, {"key": "timing-of", "type": "clause", "offset": [493, 502]}, {"key": "additional-capital", "type": "clause", "offset": [503, 521]}, {"key": "future-needs", "type": "clause", "offset": [553, 565]}, {"key": "the-primary", "type": "clause", "offset": [571, 582]}, {"key": "the-bank-will", "type": "clause", "offset": [604, 617]}, {"key": "capital-structure", "type": "clause", "offset": [633, 650]}, {"key": "contingency-plans", "type": "clause", "offset": [681, 698]}, {"key": "alternative-methods", "type": "clause", "offset": [713, 732]}, {"key": "dividend-policy", "type": "clause", "offset": [806, 821]}, {"key": "in-compliance-with", "type": "definition", "offset": [892, 910]}, {"key": "compliance-with-12-usc", "type": "clause", "offset": [966, 990]}, {"key": "determination-of", "type": "clause", "offset": [1039, 1055]}, {"key": "supervisory-objection", "type": "definition", "offset": [1059, 1080]}, {"key": "the-assistant", "type": "clause", "offset": [1084, 1097]}, {"key": "deputy-comptroller", "type": "definition", "offset": [1098, 1116]}, {"key": "upon-receiving", "type": "clause", "offset": [1118, 1132]}, {"key": "the-bank-shall", "type": "clause", "offset": [1216, 1230]}, {"key": "adhere-to", "type": "clause", "offset": [1245, 1254]}, {"key": "the-dividend", "type": "clause", "offset": [1255, 1267]}, {"key": "upon-completion", "type": "clause", "offset": [1280, 1295]}, {"key": "the-capital", "type": "clause", "offset": [1569, 1580]}, {"key": "review-and-update", "type": "clause", "offset": [1606, 1623]}, {"key": "annual-basis", "type": "clause", "offset": [1657, 1669]}, {"key": "copies-of-the", "type": "clause", "offset": [1704, 1717]}], "hash": "c50092a243e53d96c4d8394402b0615b", "id": 3}, {"snippet": "(1) Within seventy-five (75) days, the Board shall develop, implement, and thereafter ensure Bank adherence to a three year capital program. The program shall include:\n(a) specific plans for the maintenance of adequate capital;\n(b) projections for growth and capital requirements based upon a detailed analysis of the Bank's assets, liabilities, earnings, fixed assets, and off- balance sheet activities;\n(c) projections of the sources and timing of additional capital to meet the Bank's current and future needs;\n(d) the primary source(s) from which the Bank will strengthen its capital structure to meet the Bank's needs;\n(e) contingency plans that identify alternative methods should the primary source(s) under (d) above not be available; and\n(f) development, implementation and adherence to a dividend policy that permits the declaration and payment of a dividend only:\n(i) when the Bank is in compliance with its approved capital program;\n(ii) when the Bank is in compliance with 12 U.S.C. \u00a7\u00a7 56 and 60; and\n(iii) with the prior written determination of no supervisory objection by the Assistant Deputy Comptroller.\n(2) Upon completion, the Bank's capital program shall be submitted to the Assistant Deputy Comptroller for prior determination of no supervisory objection. Upon receiving a determination of no supervisory objection from the Assistant Deputy Comptroller, the Bank shall implement and adhere to the capital program. The Board shall review and update the Bank's capital program on an annual basis, or more frequently if necessary. Copies of the reviews and updates shall be submitted to the Assistant Deputy Comptroller.", "samples": [{"hash": "kExmICgms80", "uri": "/contracts/kExmICgms80#capital-plan", "label": "Banking Agreement", "score": 20.1004217672, "published": true}], "size": 11, "snippet_links": [{"key": "board-shall", "type": "definition", "offset": [39, 50]}, {"key": "capital-program", "type": "definition", "offset": [124, 139]}, {"key": "the-program", "type": "clause", "offset": [141, 152]}, {"key": "specific-plans", "type": "clause", "offset": [172, 186]}, {"key": "maintenance-of", "type": "clause", "offset": [195, 209]}, {"key": "adequate-capital", "type": "clause", "offset": [210, 226]}, {"key": "capital-requirements", "type": "clause", "offset": [259, 279]}, {"key": "fixed-assets", "type": "clause", "offset": [356, 368]}, {"key": "balance-sheet", "type": "definition", "offset": [379, 392]}, {"key": "timing-of", "type": "clause", "offset": [440, 449]}, {"key": "additional-capital", "type": "clause", "offset": [450, 468]}, {"key": "future-needs", "type": "clause", "offset": [500, 512]}, {"key": "the-primary", "type": "clause", "offset": [518, 529]}, {"key": "the-bank-will", "type": "clause", "offset": [551, 564]}, {"key": "capital-structure", "type": "clause", "offset": [580, 597]}, {"key": "contingency-plans", "type": "clause", "offset": [628, 645]}, {"key": "alternative-methods", "type": "clause", "offset": [660, 679]}, {"key": "dividend-policy", "type": "clause", "offset": [798, 813]}, {"key": "payment-of", "type": "definition", "offset": [847, 857]}, {"key": "in-compliance-with", "type": "definition", "offset": [896, 914]}, {"key": "compliance-with-12-usc", "type": "clause", "offset": [970, 994]}, {"key": "determination-of", "type": "clause", "offset": [1043, 1059]}, {"key": "supervisory-objection", "type": "definition", "offset": [1063, 1084]}, {"key": "the-assistant", "type": "clause", "offset": [1088, 1101]}, {"key": "deputy-comptroller", "type": "definition", "offset": [1102, 1120]}, {"key": "upon-completion", "type": "clause", "offset": [1126, 1141]}, {"key": "upon-receiving", "type": "clause", "offset": [1278, 1292]}, {"key": "the-bank-shall", "type": "clause", "offset": [1376, 1390]}, {"key": "adhere-to", "type": "clause", "offset": [1405, 1414]}, {"key": "the-capital", "type": "clause", "offset": [1415, 1426]}, {"key": "review-and-update", "type": "clause", "offset": [1452, 1469]}, {"key": "annual-basis", "type": "clause", "offset": [1503, 1515]}, {"key": "copies-of-the", "type": "clause", "offset": [1550, 1563]}], "hash": "6b3c82bff3c09192b72832e3dfe4477d", "id": 4}, {"snippet": "By May 31, 2011, the Holding Company shall submit to the Regional Director a written plan for enhancing the consolidated capital of the Holding Company (Capital Plan). The Capital Plan shall cover the period beginning April 1, 2011 through December 31, 2012. At a minimum, the Capital Plan shall include:", "samples": [{"hash": "lQ5nEhOo8I5", "uri": "/contracts/lQ5nEhOo8I5#capital-plan", "label": "Supervisory Agreement (HMN Financial Inc)", "score": 20.1690622861, "published": true}, {"hash": "8KymHtuere5", "uri": "/contracts/8KymHtuere5#capital-plan", "label": "Supervisory Agreement", "score": 20.1413919212, "published": true}, {"hash": "5kSr9iPDI60", "uri": "/contracts/5kSr9iPDI60#capital-plan", "label": "Supervisory Agreement (HMN Financial Inc)", "score": 20.1115674196, "published": true}], "size": 8, "snippet_links": [{"key": "the-holding-company", "type": "clause", "offset": [17, 36]}, {"key": "submit-to", "type": "clause", "offset": [43, 52]}, {"key": "regional-director", "type": "definition", "offset": [57, 74]}, {"key": "written-plan", "type": "clause", "offset": [77, 89]}, {"key": "consolidated-capital", "type": "clause", "offset": [108, 128]}, {"key": "the-capital", "type": "clause", "offset": [168, 179]}, {"key": "april-1", "type": "definition", "offset": [218, 225]}, {"key": "through-december", "type": "clause", "offset": [232, 248]}], "hash": "cbd1b7156535103dea7f5990b34ea8f2", "id": 5}, {"snippet": "(1) Within sixty (60) days of the date of this Agreement, the Board shall develop and implement an effective internal capital planning process to assess the Bank\u2019s capital adequacy in relation to its overall risks and to ensure maintenance of appropriate capital levels. The capital planning process shall be consistent with OCC Bulletin 2012-16 (Guidance for Evaluating Capital Planning and Adequacy) (June 7, 2012), and shall ensure the integrity, objectivity, and consistency of the process through adequate governance. The Board shall document the initial capital planning process and thereafter review and document the capital planning process at least annually or more frequently if requested by the Assistant Deputy Comptroller in writing.\n(2) Within ninety (90) days of the date of this Agreement, the Board shall forward to the Assistant Deputy Comptroller for his review, pursuant to paragraph four (4) of this Article, a written Capital Plan for the Bank covering at least a two-year period. Except as provided in paragraph three (3) of this Article, the written Capital Plan shall, at a minimum:\n(a) include specific plans for the maintenance of adequate capital;\n(b) identify and evaluate all material risks;\n(c) determine the Bank\u2019s capital needs in relation to material risks and strategic direction;\n(d) identify and establish a strategy to strengthen capital if necessary and establish a contingency or back-up capital plan commensurate with the Bank\u2019s overall risk and complexity;\n(e) include detailed quarterly financial projections; and\n(f) include specific plans detailing how the Bank will comply with restrictions or requirements set forth in this Agreement that will have an impact on the Bank\u2019s capital.\n(3) If the Bank\u2019s written Capital Plan outlines a merger of the Bank, the written Capital Plan shall only address the steps that will be taken and the associated timeline to ensure that within ninety (90) days after the receipt of the Assistant Deputy Comptroller\u2019s written determination of no supervisory objection to the written Capital Plan, a definitive agreement for the merger is executed.\n(4) Prior to adoption by the Board, a copy of the Bank\u2019s written Capital Plan shall be submitted to the Assistant Deputy Comptroller for prior written determination of no supervisory objection. The Board shall review and update the Bank\u2019s written Capital Plan at least annually and more frequently if required by the Comptroller in writing. Revisions to the Bank\u2019s written Capital Plan shall be submitted to the Assistant Deputy Comptroller for a prior written determination of no supervisory objection. At the next Board meeting within fifteen (15) days following receipt of the Assistant Deputy Comptroller\u2019s written determination of no supervisory objection, the Board shall adopt and the Bank (subject to Board review and ongoing monitoring) shall implement and thereafter ensure adherence to the written Capital Plan and any amendments or revisions thereto.\n(5) At least monthly, the Board shall review detailed financial reports, budget comparisons, and earnings analyses that evaluate the Bank\u2019s performance against the goals and objectives established in the written Capital Plan, as well as the Bank\u2019s written explanation of significant differences between the actual and projected balance sheet, income statement, and expense accounts, including descriptions of extraordinary and nonrecurring items. This review shall include a description of the actions the Board will require the Bank to take to address any deficiencies.\n(6) At least quarterly, the Board shall prepare a written evaluation of the Bank\u2019s performance against the written Capital Plan, which shall include a description of the actions the Board will require the Bank to take to address any deficiencies. The Board\u2019s monthly reviews and preparation of the quarterly written evaluations shall be documented in the Board meeting minutes.\n(7) The Board shall forward a copy of these monthly reviews and quarterly written evaluations and Board meeting minutes to the Assistant Deputy Comptroller within ten (10) days of completion of the quarterly written evaluations.\n(8) The Board shall submit to the Assistant Deputy Comptroller annual comprehensive budgets for each year this Agreement remains in effect. The budget for each year shall be submitted on or before November 30 of the preceding year.", "samples": [{"hash": "enOpGHZcEGN", "uri": "/contracts/enOpGHZcEGN#capital-plan", "label": "Banking Agreement", "score": 26.0240852107, "published": true}, {"hash": "fVi2H2coPCd", "uri": "/contracts/fVi2H2coPCd#capital-plan", "label": "Banking Compliance Agreement", "score": 22.1151243062, "published": true}], "size": 7, "snippet_links": [{"key": "date-of-this-agreement", "type": "definition", "offset": [34, 56]}, {"key": "board-shall", "type": "definition", "offset": [62, 73]}, {"key": "develop-and-implement", "type": "clause", "offset": [74, 95]}, {"key": "planning-process", "type": "clause", "offset": [126, 142]}, {"key": "capital-adequacy", "type": "clause", "offset": [164, 180]}, {"key": "in-relation-to", "type": "clause", "offset": [181, 195]}, {"key": "to-ensure", "type": "clause", "offset": [218, 227]}, {"key": "maintenance-of", "type": "clause", "offset": [228, 242]}, {"key": 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[1139, 1154]}, {"key": "adequate-capital", "type": "clause", "offset": [1158, 1174]}, {"key": "material-risks", "type": "clause", "offset": [1206, 1220]}, {"key": "determine-the", "type": "clause", "offset": [1226, 1239]}, {"key": "capital-needs", "type": "clause", "offset": [1247, 1260]}, {"key": "strategic-direction", "type": "definition", "offset": [1295, 1314]}, {"key": "to-strengthen", "type": "clause", "offset": [1354, 1367]}, {"key": "with-the-bank", "type": "clause", "offset": [1454, 1467]}, {"key": "quarterly-financial-projections", "type": "clause", "offset": [1520, 1551]}, {"key": "the-bank-will", "type": "clause", "offset": [1598, 1611]}, {"key": "comply-with", "type": "clause", "offset": [1612, 1623]}, {"key": "in-this-agreement", "type": "clause", "offset": [1663, 1680]}, {"key": "days-after", "type": "definition", "offset": [1934, 1944]}, {"key": "receipt-of", "type": "clause", "offset": [1949, 1959]}, {"key": "determination-of", "type": "clause", "offset": [2003, 2019]}, {"key": "supervisory-objection", "type": "definition", "offset": [2023, 2044]}, {"key": "agreement-for", "type": "clause", "offset": [2087, 2100]}, {"key": "the-merger", "type": "clause", "offset": [2101, 2111]}, {"key": "prior-to", "type": "definition", "offset": [2129, 2137]}, {"key": "by-the-board", "type": "clause", "offset": [2147, 2159]}, {"key": "a-copy-of-the", "type": "clause", "offset": [2161, 2174]}, {"key": "review-and-update", "type": "clause", "offset": [2335, 2352]}, {"key": "required-by", "type": "definition", "offset": [2426, 2437]}, {"key": "to-the-bank", "type": "clause", "offset": [2476, 2487]}, {"key": "board-review", "type": "definition", "offset": [2834, 2846]}, {"key": "ongoing-monitoring", "type": "definition", "offset": [2851, 2869]}, {"key": "financial-reports", "type": "clause", "offset": [3042, 3059]}, {"key": "goals-and-objectives", "type": "clause", "offset": [3152, 3172]}, {"key": "written-explanation", "type": "clause", "offset": [3236, 3255]}, {"key": "projected-balance-sheet", "type": "definition", "offset": [3306, 3329]}, {"key": "income-statement", "type": "clause", "offset": [3331, 3347]}, {"key": "expense-accounts", "type": "clause", "offset": [3353, 3369]}, {"key": "nonrecurring-items", "type": "definition", "offset": [3415, 3433]}, {"key": "the-actions", "type": "clause", "offset": [3478, 3489]}, {"key": "require-the", "type": "clause", "offset": [3505, 3516]}, {"key": "monthly-reviews", "type": "clause", "offset": [3818, 3833]}, {"key": "preparation-of-the", "type": "clause", "offset": [3838, 3856]}, {"key": "written-evaluations", "type": "clause", "offset": [3867, 3886]}, {"key": "board-meeting-minutes", "type": "clause", "offset": [3914, 3935]}, {"key": "and-board", "type": "clause", "offset": [4031, 4040]}, {"key": "completion-of-the", "type": "clause", "offset": [4117, 4134]}, {"key": "submit-to", "type": "clause", "offset": [4186, 4195]}, {"key": "each-year", "type": "definition", "offset": [4262, 4271]}, {"key": "agreement-remains-in-effect", "type": "clause", "offset": [4277, 4304]}, {"key": "the-budget", "type": "definition", "offset": [4306, 4316]}, {"key": "before-november", "type": "clause", "offset": [4356, 4371]}, {"key": "preceding-year", "type": "definition", "offset": [4382, 4396]}], "hash": "cc4db1aa8965d69c7786af3a4455c9d7", "id": 6}, {"snippet": "(1) Within sixty (60) days of the date of this Agreement, the Board shall adopt an effective internal capital planning process to assess the Bank\u2019s capital adequacy in relation to its overall risks and strategies. Thereafter, management shall implement, and the Board shall verify, no less than annually, adherence to the capital planning process. The capital planning process shall be consistent with safe and sound practices and ensure the integrity, objectivity, and consistency of the process through adequate governance. Refer to the \u201cCapital and Dividends\u201d booklet of the Comptroller\u2019s Handbook. The Board shall document the capital planning process and thereafter review and document the capital planning process at least annually or more frequently, if appropriate, or required by the Assistant Deputy Comptroller in writing.\n(2) Within sixty (60) days of the date of this Agreement, the Board shall submit to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection an acceptable revised written capital plan for the Bank, consistent with the Strategic Plan required by Article III, covering at least a three-year time frame (\u201cCapital Plan\u201d). Refer to \u201cCapital and Dividends\u201d booklet of the Comptroller\u2019s Handbook for guidance. The Bank\u2019s Capital Plan shall, at a minimum:\n(a) include specific plans for the achievement and ongoing maintenance of adequate capital;\n(b) an updated risk assessment within the Capital Plan to ensure it considers all current and future threats to the Bank\u2019s capital. Specifically, the Capital Plan shall include an updated assessment of the quantity and direction of credit, liquidity, interest rate, and operational risks;\n(c) the Bank must develop, and the Asset / Liability Committee (ALCO) and Board must approve, a capital policy that includes, at a minimum:\n(i) reasonable minimum capital requirements based on the risk assessment required by sub-paragraph (b) of this paragraph;\n(ii) identifies and establishes a strategy to strengthen the Bank\u2019s capital, including plans to seek capital injections into the Bank;\n(iii) measurable triggers/early warning indicators to prompt board and management action to assess additional capital sources; and\n(iv) identification and quantification of contingent sources of capital, including primary and alternate sources of capital as well as order of preference of these sources and the time required to access these sources;\n(d) include detailed quarterly financial projections which shall be consistent with the Strategic Plan required by Article III; and\n(e) include specific plans detailing how the Bank will comply with restrictions or requirements set forth in this Agreement that will have an impact on the Bank\u2019s capital.\n(3) The Bank may declare or pay a dividend or make a capital distribution only:\n(a) when the Bank is in compliance with its Board-approved Capital Plan and would remain in compliance with such Capital Plan immediately following the declaration or payment of any dividend or capital distribution;\n(b) when the dividend or capital distribution would comply with 12 U.S.C. \u00a7\u00a7 56, 60 and 1831o(d)(1) and 12 C.F.R. \u00a7 3.11(a)(4); and\n(c) following the Assistant Deputy Comptroller\u2019s prior written determination of no supervisory objection to the dividend or capital distribution.\n(4) Within fifteen (15) days following receipt of the Assistant Deputy Comptroller\u2019s written determination of no supervisory objection to the Bank\u2019s Capital Plan or to any subsequent amendment to the Capital Plan, the Board shall adopt and Bank management, subject to Board review and ongoing monitoring, shall immediately implement and thereafter ensure adherence to the Capital Plan. The Board shall review the effectiveness of the Capital Plan at least annually, no later than January 31 each year, and more frequently if necessary or if required by the OCC in writing, and amend the Capital Plan as needed or directed by the OCC. Any amendment to the Capital Plan must be submitted to the Assistant Deputy Comptroller for review and prior written determination of no supervisory objection.\n(5) At least monthly, the Board shall review financial reports and earnings analyses that evaluate the Bank\u2019s performance against the goals and objectives established in the Capital Plan, as well as the Bank\u2019s written explanation of significant differences between the actual and projected balance sheet, income statement, and expense accounts, including a description of any extraordinary and/or nonrecurring items. This review shall include a description of the actions the Board and management will take to address any deficiencies. At least quarterly, management shall prepare, and the Board shall review, a written evaluation of the Bank\u2019s performance against the Capital Plan, which shall include a description of the actions the Board and management will take to address any deficiencies. The Board\u2019s monthly reviews and quarterly written evaluations shall be documented in the Board meeting minutes. The Board shall forward a copy of these monthly reviews and Board meeting minutes to the Assistant Deputy Comptroller within fifteen (15) days of completion of its quarterly written evaluations, respectively.", "samples": [{"hash": "7XGCKMXBN07", "uri": "/contracts/7XGCKMXBN07#capital-plan", "label": "Compliance Agreement", "score": 32.0016351724, "published": true}], "size": 7, "snippet_links": [{"key": "date-of-this-agreement", "type": "definition", "offset": [34, 56]}, {"key": "board-shall", "type": "definition", "offset": [62, 73]}, {"key": "planning-process", "type": "clause", "offset": [110, 126]}, {"key": "capital-adequacy", "type": "clause", "offset": [148, 164]}, {"key": "in-relation-to", "type": "clause", "offset": [165, 179]}, {"key": "the-capital", "type": "clause", "offset": [318, 329]}, {"key": "the-process", "type": "clause", "offset": [485, 496]}, {"key": "refer-to-the", "type": "definition", "offset": [526, 538]}, {"key": "capital-and-dividends", "type": "clause", "offset": [540, 561]}, {"key": "required-by", "type": "definition", "offset": [777, 788]}, {"key": "the-assistant", "type": "clause", "offset": [789, 802]}, {"key": "deputy-comptroller", "type": "definition", "offset": [803, 821]}, {"key": "in-writing", "type": "clause", "offset": [822, 832]}, {"key": "submit-to", "type": "clause", "offset": [908, 917]}, {"key": "for-review", "type": "clause", "offset": [951, 961]}, {"key": "determination-of", "type": "clause", "offset": [980, 996]}, {"key": "supervisory-objection", "type": "definition", "offset": [1000, 1021]}, {"key": "for-the-bank", "type": "clause", "offset": [1065, 1077]}, {"key": "the-strategic-plan", "type": "clause", "offset": [1095, 1113]}, {"key": "article-iii", "type": "clause", "offset": [1126, 1137]}, {"key": "time-frame", "type": "definition", "offset": [1170, 1180]}, {"key": "specific-plans", "type": "clause", "offset": [1341, 1355]}, {"key": "maintenance-of", "type": "clause", "offset": [1388, 1402]}, {"key": "adequate-capital", "type": "clause", "offset": [1403, 1419]}, {"key": "risk-assessment", "type": "definition", "offset": [1436, 1451]}, {"key": "to-ensure", "type": "clause", "offset": [1476, 1485]}, {"key": "to-the-bank", "type": "clause", "offset": [1530, 1541]}, {"key": "assessment-of-the", "type": "clause", "offset": [1609, 1626]}, {"key": "interest-rate", "type": "clause", "offset": [1672, 1685]}, {"key": "operational-risks", "type": "definition", "offset": [1691, 1708]}, {"key": "the-asset", "type": "clause", "offset": [1741, 1750]}, {"key": "and-board", "type": "clause", "offset": [1780, 1789]}, {"key": "minimum-capital-requirements", "type": "definition", "offset": [1865, 1893]}, {"key": "based-on", "type": "clause", "offset": [1894, 1902]}, {"key": "the-risk", "type": "definition", "offset": [1903, 1911]}, {"key": "to-strengthen", "type": "clause", "offset": [2015, 2028]}, {"key": "early-warning", "type": "clause", "offset": [2133, 2146]}, {"key": "management-action", "type": "clause", "offset": [2178, 2195]}, {"key": "additional-capital", "type": "clause", "offset": [2206, 2224]}, {"key": "sources-of-capital", "type": "clause", "offset": [2291, 2309]}, {"key": "alternate-sources", "type": "clause", "offset": [2333, 2350]}, {"key": "preference-of", "type": "clause", "offset": [2382, 2395]}, {"key": "time-required", "type": "definition", "offset": [2418, 2431]}, {"key": "quarterly-financial-projections", "type": "clause", "offset": [2478, 2509]}, {"key": "the-bank-will", "type": "clause", "offset": [2630, 2643]}, {"key": "comply-with", "type": "clause", "offset": [2644, 2655]}, {"key": "in-this-agreement", "type": "clause", "offset": [2695, 2712]}, {"key": "the-bank-may", "type": "clause", "offset": [2765, 2777]}, {"key": "capital-distribution", "type": "clause", "offset": [2814, 2834]}, {"key": "in-compliance-with", "type": "definition", "offset": [2862, 2880]}, {"key": "approved-capital-plan", "type": "definition", "offset": [2891, 2912]}, {"key": "following-the", "type": "definition", "offset": [2979, 2992]}, {"key": "payment-of", "type": "definition", "offset": [3008, 3018]}, {"key": "the-dividend", "type": "clause", "offset": [3066, 3078]}, {"key": "receipt-of", "type": "clause", "offset": [3374, 3384]}, {"key": "amendment-to-the", "type": "clause", "offset": [3518, 3534]}, {"key": "board-review", "type": "definition", "offset": [3603, 3615]}, {"key": "ongoing-monitoring", "type": "definition", "offset": [3620, 3638]}, {"key": "effectiveness-of-the", "type": "clause", "offset": [3748, 3768]}, {"key": "each-year", "type": "definition", "offset": [3826, 3835]}, {"key": "if-required", "type": "definition", "offset": [3873, 3884]}, {"key": "as-needed", "type": "clause", "offset": [3935, 3944]}, {"key": "any-amendment", "type": "definition", "offset": [3969, 3982]}, {"key": "financial-reports", "type": "clause", "offset": [4174, 4191]}, {"key": "goals-and-objectives", "type": "clause", "offset": [4263, 4283]}, {"key": "written-explanation", "type": "clause", "offset": [4339, 4358]}, {"key": "projected-balance-sheet", "type": "definition", "offset": [4409, 4432]}, {"key": "income-statement", "type": "clause", "offset": [4434, 4450]}, {"key": "expense-accounts", "type": "clause", "offset": [4456, 4472]}, {"key": "nonrecurring-items", "type": "definition", "offset": [4526, 4544]}, {"key": "the-actions", "type": "clause", "offset": [4589, 4600]}, {"key": "monthly-reviews", "type": "clause", "offset": [4937, 4952]}, {"key": "written-evaluations", "type": "clause", "offset": [4967, 4986]}, {"key": "board-meeting-minutes", "type": "clause", "offset": [5014, 5035]}, {"key": "a-copy-of", "type": "clause", "offset": [5061, 5070]}, {"key": "completion-of", "type": "clause", "offset": [5183, 5196]}], "hash": "66599651ad3e86efe7a421d51a0392c0", "id": 7}, {"snippet": "(1) Within ninety (90) days, the Board shall forward to the Assistant Deputy Comptroller for review a revised, written Capital Plan for the Association, consistent with the Association's Business Plan as required by Article IV, covering at least a three-year period. At the next Board meeting following receipt of the Assistant Deputy Comptroller\u2019s written determination of no supervisory objection, the Board shall adopt and the Association (subject to Board review and ongoing monitoring) shall implement and thereafter ensure adherence to the Capital Plan. The Capital Plan shall include:\n(a) projections for growth and capital requirements, based upon a detailed analysis of the Association's assets, liabilities, earnings, fixed assets, and off-balance sheet activities;\n(b) projections of the sources and timing of additional capital to meet the Association's future needs, as set forth in the Business Plan;\n(c) identification of the primary sources from which the Association will maintain an appropriate capital structure to meet the Association's future needs, as set forth in the Business Plan; and\n(d) contingency plans that identify alternative methods to strengthen capital, should the primary source(s) under paragraph (c) of this Article not be available.\n(2) Prior to adoption by the Board, a copy of the Capital Plan shall be submitted to the Assistant Deputy Comptroller for a prior written determination of no supervisory objection. Upon receiving a written determination of no supervisory objection from the Assistant Deputy Comptroller, the Board shall adopt and the Association shall immediately implement and adhere to the Capital Plan. The Board shall review and update the Association's Capital Plan at least annually and more frequently if necessary or if requested by the Assistant Deputy Comptroller. Revisions to the Association\u2019s Capital Plan shall be submitted to the Assistant Deputy Comptroller for a prior written determination of no supervisory objection.", "samples": [{"hash": "7YJoQR8QR8e", "uri": "/contracts/7YJoQR8QR8e#capital-plan", "label": "Agreement Between a Financial Institution and a Regulatory Body", "score": 21.5676507902, "published": true}, {"hash": "8eSpNwVF4Sf", "uri": "/contracts/8eSpNwVF4Sf#capital-plan", "label": "Regulatory Agreement (Naugatuck Valley Financial Corp)", "score": 21.0506502396, "published": true}], "size": 6, "snippet_links": [{"key": "board-shall", "type": "definition", "offset": [33, 44]}, {"key": "the-assistant", "type": "clause", "offset": [56, 69]}, {"key": "deputy-comptroller", "type": "definition", "offset": [70, 88]}, {"key": "for-review", "type": "clause", "offset": [89, 99]}, {"key": "for-the-association", "type": "definition", "offset": [132, 151]}, {"key": "consistent-with-the", "type": "clause", "offset": [153, 172]}, {"key": "as-required-by", "type": "clause", "offset": [201, 215]}, {"key": "article-iv", "type": "definition", "offset": [216, 226]}, {"key": "year-period", "type": "definition", "offset": [254, 265]}, {"key": "board-meeting", "type": "definition", "offset": [279, 292]}, {"key": "receipt-of", "type": "clause", "offset": [303, 313]}, {"key": "determination-of", "type": "clause", "offset": [357, 373]}, {"key": "supervisory-objection", "type": "definition", "offset": [377, 398]}, {"key": "board-review", "type": "definition", "offset": [454, 466]}, {"key": "ongoing-monitoring", "type": "definition", "offset": [471, 489]}, {"key": "the-capital", "type": "clause", "offset": [542, 553]}, {"key": "capital-requirements", "type": "clause", "offset": [623, 643]}, {"key": "fixed-assets", "type": "clause", "offset": [728, 740]}, {"key": "balance-sheet", "type": "definition", "offset": [750, 763]}, {"key": "timing-of", "type": "clause", "offset": [811, 820]}, {"key": "additional-capital", "type": "clause", "offset": [821, 839]}, {"key": "future-needs", "type": "clause", "offset": [866, 878]}, {"key": "the-business-plan", "type": "clause", "offset": [896, 913]}, {"key": "primary-sources", "type": "clause", "offset": [941, 956]}, {"key": "the-association-will", "type": "clause", "offset": [968, 988]}, {"key": "an-appropriate", "type": "clause", "offset": [998, 1012]}, {"key": "capital-structure", "type": "clause", "offset": [1013, 1030]}, {"key": "contingency-plans", "type": "clause", "offset": [1114, 1131]}, {"key": "alternative-methods", "type": "clause", "offset": [1146, 1165]}, {"key": "to-strengthen", "type": "clause", "offset": [1166, 1179]}, {"key": "this-article", "type": "definition", "offset": [1241, 1253]}, {"key": "prior-to", "type": "definition", "offset": [1276, 1284]}, {"key": "by-the-board", "type": "clause", "offset": [1294, 1306]}, {"key": "a-copy-of-the", "type": "clause", "offset": [1308, 1321]}, {"key": "upon-receiving", "type": "clause", "offset": [1453, 1467]}, {"key": "adhere-to", "type": "clause", "offset": [1633, 1642]}, {"key": "review-and-update", "type": "clause", "offset": [1677, 1694]}, {"key": "requested-by", "type": "definition", "offset": [1783, 1795]}], "hash": "61cae3c6cc4ef6a4e92f54b0223be375", "id": 8}, {"snippet": "(1) By June 30, 2003, the Board shall develop, implement, and thereafter ensure Bank adherence to a three year capital program. The program shall include:\n(a) specific plans for the maintenance of adequate capital;\n(b) projections for growth and capital requirements based upon a detailed analysis of the Bank's assets, liabilities, earnings, fixed assets, and off-balance sheet activities;\n(c) projections of the sources and timing of additional capital to meet the Bank's current and future needs;\n(d) the primary source(s) from which the Bank will strengthen its capital structure to meet the Bank's needs;\n(e) contingency plans that identify alternative methods should the primary source(s) under (d) above not be available; and\n(f) a dividend policy that permits the declaration of a dividend only:\n(i) when the Bank is in compliance with its approved capital program;\n(ii) when the Bank is in compliance with 12 U.S.C. \u00a7\u00a7 56 and 60; and\n(iii) with prior written notice to the ADC.\n(2) Upon completion, the Bank's capital program shall be submitted to the ADC for prior determination of no supervisory objection. Upon receiving a determination of no supervisory objection from the ADC, the Bank shall implement and adhere to the capital program. The Board shall review and update the Bank's capital program on an annual basis, or more frequently if necessary. Copies of the reviews and updates shall be submitted to the ADC. The Board shall ensure that the Bank has processes, personnel, and control systems to ensure implementation of and adherence to the program developed pursuant to this Article.", "samples": [{"hash": "g90Cx6H0Ge8", "uri": "/contracts/g90Cx6H0Ge8#capital-plan", "label": "Banking Agreement", "score": 19.0, "published": true}], "size": 6, "snippet_links": [{"key": "by-june", "type": "clause", "offset": [4, 11]}, {"key": "board-shall", "type": "definition", "offset": [26, 37]}, {"key": "capital-program", "type": "definition", "offset": [111, 126]}, {"key": "the-program", "type": "clause", "offset": [128, 139]}, {"key": "specific-plans", "type": "clause", "offset": [159, 173]}, {"key": "maintenance-of", "type": "clause", "offset": [182, 196]}, {"key": "adequate-capital", "type": "clause", "offset": [197, 213]}, {"key": "capital-requirements", "type": "clause", "offset": [246, 266]}, {"key": "fixed-assets", "type": "clause", "offset": [343, 355]}, {"key": "balance-sheet", "type": "definition", "offset": [365, 378]}, {"key": "timing-of", "type": "clause", "offset": [426, 435]}, {"key": "additional-capital", "type": "clause", "offset": [436, 454]}, {"key": "future-needs", "type": "clause", "offset": [486, 498]}, {"key": "the-primary", "type": "clause", "offset": [504, 515]}, {"key": "the-bank-will", "type": "clause", "offset": [537, 550]}, {"key": "capital-structure", "type": "clause", "offset": [566, 583]}, {"key": "contingency-plans", "type": "clause", "offset": [614, 631]}, {"key": "alternative-methods", "type": "clause", "offset": [646, 665]}, {"key": "dividend-policy", "type": "clause", "offset": [739, 754]}, {"key": "in-compliance-with", "type": "definition", "offset": [825, 843]}, {"key": "compliance-with-12-usc", "type": "clause", "offset": [899, 923]}, {"key": "notice-to-the", "type": "clause", "offset": [968, 981]}, {"key": "upon-completion", "type": "clause", "offset": [991, 1006]}, {"key": "determination-of", "type": "clause", "offset": [1075, 1091]}, 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