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Finally , cross-references definitions in the Bank Holding Company Act. Provides that a bank must delineate one or more assessment areas within which the Board evaluates the bank 's record in helping to meet the credit needs of its community . The accused shall be notified of the Honor Board 's findings as soon as possible after the Board reaches the decisions on guilt or innocence and the penalty under sections 4.6 and 4.7 . Accordingly , we require ALJs and the Board to follow guidance which has been publicly disseminated , unless the ALJ or Board finds the guidance to be inconsistent with statute or regulation . Finally , cross-references the ratings scheme in appendix A. Sets forth the streamlined criteria by which the Board evaluates the record of a small bank , or a bank that was a small bank during the preceding calendar year , in helping to meet the credit needs of its assessment area ( s ) . The JMR Editorial Board provides the subject-area expertise and editorial judgment that are vital to JMR 's peer review process . The Board values the regional nature of the System as well as the diversity of its employees ; input from a variety of sources ; and the independent professional judgment that is fostered by the System 's highly valued regional structure .