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Senior Loan Officer Opinion Survey on Bank Lending Practices
October 2012

Survey | Full report (PDF)
Table 1 |Table 2 | Chart data
Table 1 (PDF) | Table 2 (PDF) | Charts (PDF)

Table 1

Senior Loan Officer Opinion Survey on Bank Lending Practices
at Selected Large Banks in the United States 1

(Status of policy as of October 2012)

Questions 1-6 ask about commercial and industrial (C&I) loans at your bank. Questions 1-3 deal with changes in your bank's lending policies over the past three months. Questions 4-5 deal with changes in demand for C&I loans over the past three months. Question 6 asks about changes in prospective demand for C&I loans at your bank, as indicated by the volume of recent inquiries about the availability of new credit lines or increases in existing lines. If your bank's lending policies have not changed over the past three months, please report them as unchanged even if the policies are either restrictive or accommodative relative to longer-term norms. If your bank's policies have tightened or eased over the past three months, please so report them regardless of how they stand relative to longer-term norms. Also, please report changes in enforcement of existing policies as changes in policies.

1. Over the past three months, how have your bank's credit standards for approving applications for C&I loans or credit lines—other than those to be used to finance mergers and acquisitions—to large and middle-market firms and to small firms changed? (If your bank defines firm size differently from the categories suggested below, please use your definitions and indicate what they are.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 1 2.9 0 0.0
Remained basically unchanged 59 89.4 32 91.4 27 87.1
Eased somewhat 6 9.1 2 5.7 4 12.9
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 35 100.0 31 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 0 0.0 1 3.0
Remained basically unchanged 59 89.4 30 90.9 29 87.9
Eased somewhat 6 9.1 3 9.1 3 9.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0

2. For applications for C&I loans or credit lines—other than those to be used to finance mergers and acquisitions—from large and middle-market firms and from small firms that your bank currently is willing to approve, how have the terms of those loans changed over the past three months?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 2 3.1 2 5.7 0 0.0
Remained basically unchanged 53 81.5 27 77.1 26 86.7
Eased somewhat 10 15.4 6 17.1 4 13.3
Eased considerably 0 0.0 0 0.0 0 0.0
Total 65 100.0 35 100.0 30 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 52 80.0 30 85.7 22 73.3
Eased somewhat 13 20.0 5 14.3 8 26.7
Eased considerably 0 0.0 0 0.0 0 0.0
Total 65 100.0 35 100.0 30 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 1 2.9 0 0.0
Remained basically unchanged 42 64.6 26 74.3 16 53.3
Eased somewhat 21 32.3 8 22.9 13 43.3
Eased considerably 1 1.5 0 0.0 1 3.3
Total 65 100.0 35 100.0 30 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 1 2.9 0 0.0
Remained basically unchanged 28 43.1 20 57.1 8 26.7
Eased somewhat 35 53.8 14 40.0 21 70.0
Eased considerably 1 1.5 0 0.0 1 3.3
Total 65 100.0 35 100.0 30 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 1 1.5 0 0.0 1 3.3
Tightened somewhat 3 4.6 3 8.6 0 0.0
Remained basically unchanged 51 78.5 26 74.3 25 83.3
Eased somewhat 10 15.4 6 17.1 4 13.3
Eased considerably 0 0.0 0 0.0 0 0.0
Total 65 100.0 35 100.0 30 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 0 0.0 1 3.3
Remained basically unchanged 58 89.2 31 88.6 27 90.0
Eased somewhat 6 9.2 4 11.4 2 6.7
Eased considerably 0 0.0 0 0.0 0 0.0
Total 65 100.0 35 100.0 30 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 63 96.9 34 97.1 29 96.7
Eased somewhat 2 3.1 1 2.9 1 3.3
Eased considerably 0 0.0 0 0.0 0 0.0
Total 65 100.0 35 100.0 30 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 37 57.8 25 73.5 12 40.0
Eased somewhat 21 32.8 8 23.5 13 43.3
Eased considerably 6 9.4 1 2.9 5 16.7
Total 64 100.0 34 100.0 30 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 57 86.4 29 87.9 28 84.8
Eased somewhat 9 13.6 4 12.1 5 15.2
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 54 81.8 28 84.8 26 78.8
Eased somewhat 12 18.2 5 15.2 7 21.2
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 46 69.7 29 87.9 17 51.5
Eased somewhat 20 30.3 4 12.1 16 48.5
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 33 50.0 22 66.7 11 33.3
Eased somewhat 32 48.5 11 33.3 21 63.6
Eased considerably 1 1.5 0 0.0 1 3.0
Total 66 100.0 33 100.0 33 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 1 1.5 0 0.0 1 3.0
Tightened somewhat 1 1.5 1 3.0 0 0.0
Remained basically unchanged 56 84.8 27 81.8 29 87.9
Eased somewhat 8 12.1 5 15.2 3 9.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 0 0.0 1 3.0
Remained basically unchanged 61 92.4 31 93.9 30 90.9
Eased somewhat 4 6.1 2 6.1 2 6.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 66 100.0 33 100.0 33 100.0
Eased somewhat 0 0.0 0 0.0 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 66 100.0 33 100.0 33 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 39 60.0 24 75.0 15 45.5
Eased somewhat 21 32.3 8 25.0 13 39.4
Eased considerably 5 7.7 0 0.0 5 15.2
Total 65 100.0 32 100.0 33 100.0

3. If your bank has tightened or eased its credit standards or its terms for C&I loans or credit lines over the past three months (as described in questions 1 and 2), how important have been the following possible reasons for the change?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 5 100.0 3 100.0 2 100.0
Somewhat important 0 0.0 0 0.0 0 0.0
Very important 0 0.0 0 0.0 0 0.0
Total 5 100.0 3 100.0 2 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 2 40.0 2 66.7 0 0.0
Somewhat important 2 40.0 1 33.3 1 50.0
Very important 1 20.0 0 0.0 1 50.0
Total 5 100.0 3 100.0 2 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 1 20.0 1 33.3 0 0.0
Somewhat important 4 80.0 2 66.7 2 100.0
Very important 0 0.0 0 0.0 0 0.0
Total 5 100.0 3 100.0 2 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 3 60.0 2 66.7 1 50.0
Somewhat important 2 40.0 1 33.3 1 50.0
Very important 0 0.0 0 0.0 0 0.0
Total 5 100.0 3 100.0 2 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 2 40.0 2 66.7 0 0.0
Somewhat important 2 40.0 0 0.0 2 100.0
Very important 1 20.0 1 33.3 0 0.0
Total 5 100.0 3 100.0 2 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 4 80.0 3 100.0 1 50.0
Somewhat important 0 0.0 0 0.0 0 0.0
Very important 1 20.0 0 0.0 1 50.0
Total 5 100.0 3 100.0 2 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 5 100.0 3 100.0 2 100.0
Somewhat important 0 0.0 0 0.0 0 0.0
Very important 0 0.0 0 0.0 0 0.0
Total 5 100.0 3 100.0 2 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 2 40.0 2 66.7 0 0.0
Somewhat important 3 60.0 1 33.3 2 100.0
Very important 0 0.0 0 0.0 0 0.0
Total 5 100.0 3 100.0 2 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 33 80.5 16 84.2 17 77.3
Somewhat important 8 19.5 3 15.8 5 22.7
Very important 0 0.0 0 0.0 0 0.0
Total 41 100.0 19 100.0 22 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 31 73.8 16 80.0 15 68.2
Somewhat important 10 23.8 4 20.0 6 27.3
Very important 1 2.4 0 0.0 1 4.5
Total 42 100.0 20 100.0 22 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 33 80.5 19 95.0 14 66.7
Somewhat important 8 19.5 1 5.0 7 33.3
Very important 0 0.0 0 0.0 0 0.0
Total 41 100.0 20 100.0 21 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 2 4.5 0 0.0 2 8.3
Somewhat important 18 40.9 8 40.0 10 41.7
Very important 24 54.5 12 60.0 12 50.0
Total 44 100.0 20 100.0 24 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 26 63.4 15 78.9 11 50.0
Somewhat important 15 36.6 4 21.1 11 50.0
Very important 0 0.0 0 0.0 0 0.0
Total 41 100.0 19 100.0 22 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 31 75.6 13 68.4 18 81.8
Somewhat important 9 22.0 6 31.6 3 13.6
Very important 1 2.4 0 0.0 1 4.5
Total 41 100.0 19 100.0 22 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 28 66.7 14 77.8 14 58.3
Somewhat important 12 28.6 4 22.2 8 33.3
Very important 2 4.8 0 0.0 2 8.3
Total 42 100.0 18 100.0 24 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 35 87.5 18 94.7 17 81.0
Somewhat important 2 5.0 0 0.0 2 9.5
Very important 3 7.5 1 5.3 2 9.5
Total 40 100.0 19 100.0 21 100.0

4. Apart from normal seasonal variation, how has demand for C&I loans changed over the past three months? (Please consider only funds actually disbursed as opposed to requests for new or increased lines of credit.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 1 1.5 0 0.0 1 3.3
Moderately stronger 12 18.5 7 20.0 5 16.7
About the same 35 53.8 17 48.6 18 60.0
Moderately weaker 16 24.6 10 28.6 6 20.0
Substantially weaker 1 1.5 1 2.9 0 0.0
Total 65 100.0 35 100.0 30 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 14 21.2 6 18.2 8 24.2
About the same 41 62.1 21 63.6 20 60.6
Moderately weaker 10 15.2 5 15.2 5 15.2
Substantially weaker 1 1.5 1 3.0 0 0.0
Total 66 100.0 33 100.0 33 100.0

5. If demand for C&I loans has strengthened or weakened over the past three months (as described in question 4), how important have been the following possible reasons for the change?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 9 50.0 5 55.6 4 44.4
Somewhat important 9 50.0 4 44.4 5 55.6
Very important 0 0.0 0 0.0 0 0.0
Total 18 100.0 9 100.0 9 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 10 55.6 6 66.7 4 44.4
Somewhat important 8 44.4 3 33.3 5 55.6
Very important 0 0.0 0 0.0 0 0.0
Total 18 100.0 9 100.0 9 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 6 33.3 6 66.7 0 0.0
Somewhat important 11 61.1 3 33.3 8 88.9
Very important 1 5.6 0 0.0 1 11.1
Total 18 100.0 9 100.0 9 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 13 76.5 9 100.0 4 50.0
Somewhat important 3 17.6 0 0.0 3 37.5
Very important 1 5.9 0 0.0 1 12.5
Total 17 100.0 9 100.0 8 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 6 33.3 3 33.3 3 33.3
Somewhat important 11 61.1 5 55.6 6 66.7
Very important 1 5.6 1 11.1 0 0.0
Total 18 100.0 9 100.0 9 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 4 23.5 1 11.1 3 37.5
Somewhat important 8 47.1 5 55.6 3 37.5
Very important 5 29.4 3 33.3 2 25.0
Total 17 100.0 9 100.0 8 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 13 76.5 8 88.9 5 62.5
Somewhat important 4 23.5 1 11.1 3 37.5
Very important 0 0.0 0 0.0 0 0.0
Total 17 100.0 9 100.0 8 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 15 88.2 9 100.0 6 75.0
Somewhat important 2 11.8 0 0.0 2 25.0
Very important 0 0.0 0 0.0 0 0.0
Total 17 100.0 9 100.0 8 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 6 33.3 4 33.3 2 33.3
Somewhat important 11 61.1 7 58.3 4 66.7
Very important 1 5.6 1 8.3 0 0.0
Total 18 100.0 12 100.0 6 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 3 16.7 3 25.0 0 0.0
Somewhat important 14 77.8 8 66.7 6 100.0
Very important 1 5.6 1 8.3 0 0.0
Total 18 100.0 12 100.0 6 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 3 16.7 3 25.0 0 0.0
Somewhat important 10 55.6 6 50.0 4 66.7
Very important 5 27.8 3 25.0 2 33.3
Total 18 100.0 12 100.0 6 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 9 50.0 6 50.0 3 50.0
Somewhat important 5 27.8 3 25.0 2 33.3
Very important 4 22.2 3 25.0 1 16.7
Total 18 100.0 12 100.0 6 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 7 38.9 2 16.7 5 83.3
Somewhat important 9 50.0 8 66.7 1 16.7
Very important 2 11.1 2 16.7 0 0.0
Total 18 100.0 12 100.0 6 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 12 66.7 8 66.7 4 66.7
Somewhat important 5 27.8 3 25.0 2 33.3
Very important 1 5.6 1 8.3 0 0.0
Total 18 100.0 12 100.0 6 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 15 83.3 10 83.3 5 83.3
Somewhat important 3 16.7 2 16.7 1 16.7
Very important 0 0.0 0 0.0 0 0.0
Total 18 100.0 12 100.0 6 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 17 94.4 12 100.0 5 83.3
Somewhat important 1 5.6 0 0.0 1 16.7
Very important 0 0.0 0 0.0 0 0.0
Total 18 100.0 12 100.0 6 100.0

6. At your bank, apart from seasonal variation, how has the number of inquiries from potential business borrowers regarding the availability and terms of new credit lines or increases in existing lines changed over the past three months? (Please consider only inquiries for additional or increased C&I lines as opposed to the refinancing of existing loans.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
The number of inquiries has increased substantially 0 0.0 0 0.0 0 0.0
The number of inquiries has increased moderately 19 27.9 7 20.0 12 36.4
The number of inquiries has stayed about the same 31 45.6 18 51.4 13 39.4
The number of inquiries has decreased moderately 18 26.5 10 28.6 8 24.2
The number of inquiries has decreased substantially 0 0.0 0 0.0 0 0.0
Total 68 100.0 35 100.0 33 100.0

According to the Federal Reserve’s statistical release H.8, ``Assets and Liabilities of Commercial Banks in the United States,'' aggregate C&I loans have increased significantly in the past year. Questions 7-8 ask about possible reasons for the growth. Question 9 requests feedback on any factors related to recent C&I loan growth that are not fully addressed in questions 7-8.

7. If your bank’s holdings of C&I loans have increased in the past year, approximately what share of the dollar volume of the increase at your bank is attributable to lending that was used to replace debt that was previously provided by nonbank sources of funding?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
75-100 percent 1 4.8 0 0.0 1 20.0
45-75 percent 0 0.0 0 0.0 0 0.0
25-45 percent 3 14.3 2 12.5 1 20.0
Up to 25 percent 17 81.0 14 87.5 3 60.0
Total 21 100.0 16 100.0 5 100.0

8. If your bank’s holdings of C&I loans have increased in the past year as a result of your customers' replacement of debt from nonbank sources of funding (answers 1 through 4 of question 7), how important has been the replacement of debt from the following nonbank sources of funding?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 17 73.9 15 78.9 2 50.0
Somewhat important 4 17.4 3 15.8 1 25.0
Very important 2 8.7 1 5.3 1 25.0
The most important 0 0.0 0 0.0 0 0.0
Total 23 100.0 19 100.0 4 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 10 43.5 7 36.8 3 75.0
Somewhat important 11 47.8 11 57.9 0 0.0
Very important 2 8.7 1 5.3 1 25.0
The most important 0 0.0 0 0.0 0 0.0
Total 23 100.0 19 100.0 4 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 22 95.7 18 94.7 4 100.0
Somewhat important 1 4.3 1 5.3 0 0.0
Very important 0 0.0 0 0.0 0 0.0
The most important 0 0.0 0 0.0 0 0.0
Total 23 100.0 19 100.0 4 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 11 47.8 8 42.1 3 75.0
Somewhat important 11 47.8 10 52.6 1 25.0
Very important 1 4.3 1 5.3 0 0.0
The most important 0 0.0 0 0.0 0 0.0
Total 23 100.0 19 100.0 4 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 17 73.9 13 68.4 4 100.0
Somewhat important 6 26.1 6 31.6 0 0.0
Very important 0 0.0 0 0.0 0 0.0
The most important 0 0.0 0 0.0 0 0.0
Total 23 100.0 19 100.0 4 100.0

The ongoing fiscal and financial strains in Europe may have affected lending conditions and funding options for banks headquartered in Europe and their affiliates and subsidiaries. Question 10 addresses changes in your bank's lending policies toward these banking organizations over the past three months. Question 11 addresses changes in these organizations’ demand for funding from U.S. banks. Question 12 asks about changes in business at your bank as a result of increased or decreased competition from European banks and their affiliates and subsidiaries.

In answering these questions, please consider banks headquartered in Europe and affiliates and subsidiaries of European banks regardless of the location of those affiliates and subsidiaries.

10. Over the past three months, how have your bank's credit standards and terms for approving applications for loans or credit lines to banks headquartered in Europe and their affiliates and subsidiaries (as described in the introduction to these special questions) changed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 .
Tightened somewhat 9 40.9 9 40.9 0 .
Remained basically unchanged 13 59.1 13 59.1 0 .
Eased somewhat 0 0.0 0 0.0 0 .
Eased considerably 0 0.0 0 0.0 0 .
Total 22 100.0 22 100.0 0 .

11. Over the past three months and apart from normal seasonal variation, how has demand for loans at your bank from banks headquartered in Europe and their affiliates and subsidiaries (as described in the introduction to these special questions) changed? (Please consider only funds actually disbursed as opposed to requests for new or increased lines of credit.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 .
Moderately stronger 2 9.1 2 9.1 0 .
About the same 19 86.4 19 86.4 0 .
Moderately weaker 1 4.5 1 4.5 0 .
Substantially weaker 0 0.0 0 0.0 0 .
Total 22 100.0 22 100.0 0 .

12. Over the past three months, to what extent has your bank experienced an increase or decrease in business, with either foreign or domestic customers, as a result of increased or decreased competition from European banks and their affiliates and subsidiaries?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
My bank does not compete with European banks for our business 27 42.9 5 15.2 22 73.3
My bank has experienced an increase in competition from European banks 2 3.2 1 3.0 1 3.3
My bank has experienced a decrease in competition from European banks, but such decreased competition has not appreciably increased business 20 31.7 15 45.5 5 16.7
My bank has experienced a decrease in competition from European banks, and such decreased competition has increased business to some extent 14 22.2 12 36.4 2 6.7
My bank has experienced a decrease in competition from European banks, and such decreased competition has increased business to a considerable extent 0 0.0 0 0.0 0 0.0
Total 63 100.0 33 100.0 30 100.0

Questions 13-14 ask about commercial real estate (CRE) loans at your bank, including construction and land development loans and loans secured by nonfarm nonresidential real estate. Question 13 deals with changes in your bank's standards over the past three months. Question 14 deals with changes in demand. If your bank's lending standards or terms have not changed over the relevant period, please report them as unchanged even if they are either restrictive or accommodative relative to longer-term norms. If your bank's standards or terms have tightened or eased over the relevant period, please so report them regardless of how they stand relative to longer-term norms. Also, please report changes in enforcement of existing standards as changes in standards.

13. Over the past three months, how have your bank's credit standards for approving applications for CRE loans changed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.5 0 0.0 1 3.0
Remained basically unchanged 60 88.2 31 88.6 29 87.9
Eased somewhat 7 10.3 4 11.4 3 9.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 68 100.0 35 100.0 33 100.0

14. Apart from normal seasonal variation, how has demand for CRE loans changed over the past three months?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 34 50.0 17 48.6 17 51.5
About the same 30 44.1 17 48.6 13 39.4
Moderately weaker 4 5.9 1 2.9 3 9.1
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 68 100.0 35 100.0 33 100.0

Questions 15-16 ask about three categories of residential mortgage loans at your bank—prime residential mortgages, nontraditional residential mortgages, and subprime residential mortgages. Question 15 deals with changes in your bank's credit standards for loans in each of these categories over the past three months. Question 16 deals with changes in demand for loans in each of these categories over the same period. If your bank's credit standards have not changed over the relevant period, please report them as unchanged even if the standards are either restrictive or accommodative relative to longer-term norms. If your bank's credit standards have tightened or eased over the relevant period, please so report them regardless of how they stand relative to longer-term norms. Also, please report changes in enforcement of existing standards as changes in standards.

For the purposes of this survey, please use the following definitions of these loan categories (note that the loan categories are not mutually exclusive) and include first-lien loans only:

15. Over the past three months, how have your bank's credit standards for approving applications from individuals for mortgage loans to purchase homes changed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 2 3.1 1 3.1 1 3.1
Remained basically unchanged 59 92.2 29 90.6 30 93.8
Eased somewhat 3 4.7 2 6.3 1 3.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 64 100.0 32 100.0 32 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 4.3 1 5.9 0 0.0
Remained basically unchanged 21 91.3 15 88.2 6 100.0
Eased somewhat 1 4.3 1 5.9 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 23 100.0 17 100.0 6 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 4 100.0 2 100.0 2 100.0
Eased somewhat 0 0.0 0 0.0 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 4 100.0 2 100.0 2 100.0

16. Apart from normal seasonal variation, how has demand for mortgages to purchase homes changed over the past three months? (Please consider only new originations as opposed to the refinancing of existing mortgages.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 4 6.3 0 0.0 4 12.5
Moderately stronger 21 32.8 11 34.4 10 31.3
About the same 35 54.7 18 56.3 17 53.1
Moderately weaker 4 6.3 3 9.4 1 3.1
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 64 100.0 32 100.0 32 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 5 20.8 4 22.2 1 16.7
About the same 17 70.8 12 66.7 5 83.3
Moderately weaker 2 8.3 2 11.1 0 0.0
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 24 100.0 18 100.0 6 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 0 0.0 0 0.0 0 0.0
About the same 4 100.0 2 100.0 2 100.0
Moderately weaker 0 0.0 0 0.0 0 0.0
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 4 100.0 2 100.0 2 100.0

Questions 17-18 ask about revolving home equity lines of credit at your bank. Question 17 deals with changes in your bank's credit standards over the past three months. Question 18 deals with changes in demand. If your bank's credit standards have not changed over the relevant period, please report them as unchanged even if they are either restrictive or accommodative relative to longer-term norms. If your bank's credit standards have tightened or eased over the relevant period, please so report them regardless of how they stand relative to longer-term norms. Also, please report changes in enforcement of existing standards as changes in standards.

17. Over the past three months, how have your bank's credit standards for approving applications for revolving home equity lines of credit changed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 6 9.2 3 9.1 3 9.4
Remained basically unchanged 57 87.7 28 84.8 29 90.6
Eased somewhat 2 3.1 2 6.1 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 65 100.0 33 100.0 32 100.0

18. Apart from normal seasonal variation, how has demand for revolving home equity lines of credit changed over the past three months? (Please consider only funds actually disbursed as opposed to requests for new or increased lines of credit.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 12 18.5 5 15.2 7 21.9
About the same 45 69.2 22 66.7 23 71.9
Moderately weaker 8 12.3 6 18.2 2 6.3
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 65 100.0 33 100.0 32 100.0

Questions 19-22 ask about residential mortgage lending policies at your institution. Question 19 asks you to compare your current policies in approving applications for FHA mortgage loans to those policies that prevailed in 2006. Question 20 asks about factors that may be affecting your bank’s willingness to approve such loans. Questions 21-22 ask about the revised Home Affordable Refinance Program (``HARP 2.0''). If your bank does not originate residential mortgage loans, please skip these questions.

19. For each of the following questions, indicate how much more or less likely it is, compared with 2006, that your bank would approve an application for a 30-year fixed-rate FHA home purchase mortgage loan to a borrower with the stated FICO score (or equivalent). In each case, assume that the borrower provides a 3.5 percent down payment and that all other characteristics of the borrower and the property are typical for loan applications that are eligible for FHA insurance with that FICO score or equivalent.

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Much less likely 5 9.8 2 8.3 3 11.1
Somewhat less likely 6 11.8 4 16.7 2 7.4
About the same 34 66.7 16 66.7 18 66.7
Somewhat more likely 4 7.8 1 4.2 3 11.1
Much more likely 2 3.9 1 4.2 1 3.7
Total 51 100.0 24 100.0 27 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Much less likely 14 27.5 3 12.5 11 40.7
Somewhat less likely 18 35.3 12 50.0 6 22.2
About the same 17 33.3 7 29.2 10 37.0
Somewhat more likely 2 3.9 2 8.3 0 0.0
Much more likely 0 0.0 0 0.0 0 0.0
Total 51 100.0 24 100.0 27 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Much less likely 32 62.7 13 54.2 19 70.4
Somewhat less likely 5 9.8 3 12.5 2 7.4
About the same 12 23.5 6 25.0 6 22.2
Somewhat more likely 2 3.9 2 8.3 0 0.0
Much more likely 0 0.0 0 0.0 0 0.0
Total 51 100.0 24 100.0 27 100.0

20. If you answered ``much less likely'' or ``somewhat less likely'' (answers 1 or 2) to any of the borrower categories in question 19, please indicate how important the following factors were for your answers.

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 16 43.2 5 27.8 11 57.9
Somewhat important 13 35.1 7 38.9 6 31.6
Very important 8 21.6 6 33.3 2 10.5
The most important 0 0.0 0 0.0 0 0.0
Total 37 100.0 18 100.0 19 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 6 15.8 3 16.7 3 15.0
Somewhat important 9 23.7 3 16.7 6 30.0
Very important 14 36.8 9 50.0 5 25.0
The most important 9 23.7 3 16.7 6 30.0
Total 38 100.0 18 100.0 20 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 12 31.6 7 38.9 5 25.0
Somewhat important 12 31.6 4 22.2 8 40.0
Very important 5 13.2 1 5.6 4 20.0
The most important 9 23.7 6 33.3 3 15.0
Total 38 100.0 18 100.0 20 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 23 60.5 13 72.2 10 50.0
Somewhat important 12 31.6 3 16.7 9 45.0
Very important 2 5.3 2 11.1 0 0.0
The most important 1 2.6 0 0.0 1 5.0
Total 38 100.0 18 100.0 20 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 13 33.3 5 27.8 8 38.1
Somewhat important 15 38.5 8 44.4 7 33.3
Very important 7 17.9 4 22.2 3 14.3
The most important 4 10.3 1 5.6 3 14.3
Total 39 100.0 18 100.0 21 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 15 39.5 7 38.9 8 40.0
Somewhat important 19 50.0 8 44.4 11 55.0
Very important 3 7.9 2 11.1 1 5.0
The most important 1 2.6 1 5.6 0 0.0
Total 38 100.0 18 100.0 20 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Not important 25 65.8 12 66.7 13 65.0
Somewhat important 9 23.7 4 22.2 5 25.0
Very important 3 7.9 2 11.1 1 5.0
The most important 1 2.6 0 0.0 1 5.0
Total 38 100.0 18 100.0 20 100.0

21. Over the past three months, about what proportion of refinance applications that your bank has received can be attributed to the revised HARP 2.0?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
More than 70 percent 0 0.0 0 0.0 0 0.0
Between 50 and 70 percent 2 6.5 2 10.0 0 0.0
Between 30 and 50 percent 5 16.1 4 20.0 1 9.1
Between 10 and 30 percent 13 41.9 9 45.0 4 36.4
Less than 10 percent 11 35.5 5 25.0 6 54.5
Total 31 100.0 20 100.0 11 100.0

22. Based on your experience to date with HARP 2.0, about what share of applications under HARP 2.0 do you anticipate will be approved and successfully completed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
More than 80 percent 6 20.0 4 20.0 2 20.0
Between 60 and 80 percent 14 46.7 10 50.0 4 40.0
Between 40 and 60 percent 6 20.0 5 25.0 1 10.0
Between 20 and 40 percent 3 10.0 1 5.0 2 20.0
Less than 20 percent 1 3.3 0 0.0 1 10.0
Total 30 100.0 20 100.0 10 100.0

Questions 23-32 ask about consumer lending at your bank. Question 23 deals with changes in your bank's willingness to make consumer loans over the past three months. Questions 24-29 deal with changes in credit standards and loan terms over the same period. Questions 30-32deal with changes in demand for consumer loans over the past three months. If your bank's lending policies have not changed over the past three months, please report them as unchanged even if the policies are either restrictive or accommodative relative to longer-term norms. If your bank's policies have tightened or eased over the past three months, please so report them regardless of how they stand relative to longer-term norms. Also, please report changes in enforcement of existing policies as changes in policies.

23. Please indicate your bank's willingness to make consumer installment loans now as opposed to three months ago.

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Much more willing 0 0.0 0 0.0 0 0.0
Somewhat more willing 8 12.7 2 6.7 6 18.2
About unchanged 55 87.3 28 93.3 27 81.8
Somewhat less willing 0 0.0 0 0.0 0 0.0
Much less willing 0 0.0 0 0.0 0 0.0
Total 63 100.0 30 100.0 33 100.0

24. Over the past three months, how have your bank's credit standards for approving applications for credit cards from individuals or households changed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 48 88.9 21 80.8 27 96.4
Eased somewhat 6 11.1 5 19.2 1 3.6
Eased considerably 0 0.0 0 0.0 0 0.0
Total 54 100.0 26 100.0 28 100.0

25. Over the past three months, how have your bank's credit standards for approving applications for auto loans to individuals or households changed? (Please include loans arising from retail sales of passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, and similar light trucks for personal use, whether new or used. Please exclude loans to finance fleet sales, personal cash loans secured by automobiles already paid for, loans to finance the purchase of commercial vehicles and farm equipment, and lease financing.)

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 56 90.3 25 86.2 31 93.9
Eased somewhat 6 9.7 4 13.8 2 6.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 62 100.0 29 100.0 33 100.0

26. Over the past three months, how have your bank's credit standards for approving applications for consumer loans other than credit card and auto loans changed?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 62 96.9 31 100.0 31 93.9
Eased somewhat 2 3.1 0 0.0 2 6.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 64 100.0 31 100.0 33 100.0

27. Over the past three months, how has your bank changed the following terms and conditions on new or existing credit card accounts for individuals or households?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 42 91.3 20 83.3 22 100.0
Eased somewhat 4 8.7 4 16.7 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 46 100.0 24 100.0 22 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 2 4.3 2 8.3 0 0.0
Remained basically unchanged 42 91.3 21 87.5 21 95.5
Eased somewhat 2 4.3 1 4.2 1 4.5
Eased considerably 0 0.0 0 0.0 0 0.0
Total 46 100.0 24 100.0 22 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 45 97.8 24 100.0 21 95.5
Eased somewhat 0 0.0 0 0.0 0 0.0
Eased considerably 1 2.2 0 0.0 1 4.5
Total 46 100.0 24 100.0 22 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 45 97.8 23 95.8 22 100.0
Eased somewhat 1 2.2 1 4.2 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 46 100.0 24 100.0 22 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 45 97.8 23 95.8 22 100.0
Eased somewhat 1 2.2 1 4.2 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 46 100.0 24 100.0 22 100.0

28. Over the past three months, how has your bank changed the following terms and conditions on loans to individuals or households to purchase autos?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.7 1 3.6 0 0.0
Remained basically unchanged 54 90.0 23 82.1 31 96.9
Eased somewhat 5 8.3 4 14.3 1 3.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 60 100.0 28 100.0 32 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 1 1.7 0 0.0 1 3.1
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 50 83.3 24 85.7 26 81.3
Eased somewhat 9 15.0 4 14.3 5 15.6
Eased considerably 0 0.0 0 0.0 0 0.0
Total 60 100.0 28 100.0 32 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.7 1 3.6 0 0.0
Remained basically unchanged 56 93.3 25 89.3 31 96.9
Eased somewhat 3 5.0 2 7.1 1 3.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 60 100.0 28 100.0 32 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.7 1 3.6 0 0.0
Remained basically unchanged 56 93.3 25 89.3 31 96.9
Eased somewhat 3 5.0 2 7.1 1 3.1
Eased considerably 0 0.0 0 0.0 0 0.0
Total 60 100.0 28 100.0 32 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 2 3.3 1 3.6 1 3.1
Remained basically unchanged 58 96.7 27 96.4 31 96.9
Eased somewhat 0 0.0 0 0.0 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 60 100.0 28 100.0 32 100.0

29. Over the past three months, how has your bank changed the following terms and conditions on consumer loans other than credit card and auto loans?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.6 1 3.2 0 0.0
Remained basically unchanged 61 98.4 30 96.8 31 100.0
Eased somewhat 0 0.0 0 0.0 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 62 100.0 31 100.0 31 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 2 3.2 0 0.0 2 6.5
Remained basically unchanged 54 87.1 29 93.5 25 80.6
Eased somewhat 6 9.7 2 6.5 4 12.9
Eased considerably 0 0.0 0 0.0 0 0.0
Total 62 100.0 31 100.0 31 100.0

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 0 0.0 0 0.0 0 0.0
Remained basically unchanged 61 98.4 31 100.0 30 96.8
Eased somewhat 1 1.6 0 0.0 1 3.2
Eased considerably 0 0.0 0 0.0 0 0.0
Total 62 100.0 31 100.0 31 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 1 1.6 1 3.2 0 0.0
Remained basically unchanged 60 96.8 30 96.8 30 96.8
Eased somewhat 1 1.6 0 0.0 1 3.2
Eased considerably 0 0.0 0 0.0 0 0.0
Total 62 100.0 31 100.0 31 100.0
 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Tightened considerably 0 0.0 0 0.0 0 0.0
Tightened somewhat 2 3.2 1 3.2 1 3.2
Remained basically unchanged 60 96.8 30 96.8 30 96.8
Eased somewhat 0 0.0 0 0.0 0 0.0
Eased considerably 0 0.0 0 0.0 0 0.0
Total 62 100.0 31 100.0 31 100.0

30. Apart from normal seasonal variation, how has demand from individuals or households for credit card loans changed over the past three months?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 8 17.0 6 26.1 2 8.3
About the same 35 74.5 17 73.9 18 75.0
Moderately weaker 4 8.5 0 0.0 4 16.7
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 47 100.0 23 100.0 24 100.0

31. Apart from normal seasonal variation, how has demand from individuals or households for auto loans changed over the past three months?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 13 22.0 6 21.4 7 22.6
About the same 43 72.9 22 78.6 21 67.7
Moderately weaker 3 5.1 0 0.0 3 9.7
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 59 100.0 28 100.0 31 100.0

32. Apart from normal seasonal variation, how has demand from individuals or households for consumer loans other than credit card and auto loans changed over the past three months?

 All RespondentsLarge BanksOther Banks
BanksPercentBanksPercentBanksPercent
Substantially stronger 0 0.0 0 0.0 0 0.0
Moderately stronger 8 12.9 3 9.7 5 16.1
About the same 49 79.0 27 87.1 22 71.0
Moderately weaker 5 8.1 1 3.2 4 12.9
Substantially weaker 0 0.0 0 0.0 0 0.0
Total 62 100.0 31 100.0 31 100.0

1. The sample is selected from among the largest banks in each Federal Reserve District. In the table, large banks are defined as those with total domestic assets of $20 billion or more as of June 30, 2012. The combined assets of the 35 large banks totaled $7.6 trillion, compared to $7.9 trillion for the entire panel of 68 banks, and $11.3 trillion for all domestically chartered, federally insured commercial banks.

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