Imagine a school-community that successfully embodies a culture that is at one with our highest moral aspirations, and that throughout the life of this school -- in the teachers, in the curriculum, in the hallways, in the lunchroom, on the bulletin boards, etc. -- these moral aspirations live as social reality.
HVCRE is defined to include credit facility that, prior to conversion to permanent financing, finances or has financed the acquisition, development, or construction (ADC) of real property, unless the facility finances:
The risk weighting for HVCRE exposures is the greatest for all commercial real estate loans, as the agencies note âsupervisory experience has demonstrated that certain acquisition, development, and construction loan exposures present unique risks for which the agencies believe banking organizations should hold additional capital.â