Senior Loan Officer Opinion Survey on Bank Lending Practices Chart Data

Figure 1: Measures of Supply and Demand for C&I Loans

by Size of Firm Seeking Loans

	Panel 1: Net Percentage of Domestic Respondents Tightening Standards for C&I Loans		Panel 2: Net Percentage of Domestic Respondents Increasing Spreads of Loan Rates over Banks' Cost of Funds		Panel 3: Net Percentage of Domestic Respondents Reporting Stronger Demand for C&I Loans
	Large and medium	Small	Large and medium	Small	Large and medium	Small
1990:2	56.9	52.6	12.0	7.2	n.a.	n.a.
1990:3	39.5	33.9	25.9	17.2	n.a.	n.a.
1990:4	48.9	41.0	51.8	33.9	n.a.	n.a.
1991:1	36.0	32.0	59.0	37.5	n.a.	n.a.
1991:2	15.5	6.9	45.5	25.4	n.a.	n.a.
1991:3	12.3	8.7	31.3	14.0	n.a.	n.a.
1991:4	9.0	5.2	31.5	12.0	-29.7	-25.4
1992:1	5.3	0.0	11.4	14.0	-26.5	-11.6
1992:2	0.9	-7.3	11.7	7.1	6.3	25.0
1992:3	-1.7	-1.7	0.0	5.2	-8.6	6.9
1992:4	4.4	-5.4	-3.6	-7.1	6.2	-1.8
1993:1	2.7	-1.8	-0.9	0.0	20.2	32.2
1993:2	-7.9	-1.8	-23.7	-10.7	-0.1	12.3
1993:3	-19.5	-11.7	-39.4	-16.9	18.1	13.8
1993:4	-17.8	-8.5	-55.9	-31.0	9.3	17.2
1994:1	-13.0	-12.3	-46.6	-19.3	26.1	26.3
1994:2	-12.2	-8.9	-58.3	-26.8	38.1	38.1
1994:3	-7.0	-7.0	-52.2	-21.1	31.3	19.3
1994:4	-17.4	-17.5	-46.1	-24.5	31.4	31.6
1995:1	-6.9	-5.3	-44.5	-28.1	35.1	18.2
1995:2	-5.9	-6.9	-52.1	-29.3	28.6	17.2
1995:3	-6.1	-1.8	-45.7	-19.3	4.4	25.0
1995:4	-3.5	-1.8	-33.7	-12.2	3.5	7.2
1996:1	7.0	3.5	-30.7	-7.0	-3.5	14.0
1996:2	-0.9	1.8	-36.1	-17.4	10.2	24.0
1996:3	-3.7	-1.9	-28.8	-5.6	12.1	17.7
1996:4	-7.8	-12.2	-34.6	-27.2	0.9	3.6
1997:1	-5.5	-5.3	-33.3	-11.1	4.7	14.7
1997:2	-7.0	-3.5	-32.5	-12.3	5.4	10.7
1997:3	-5.7	-1.9	-38.5	-25.5	13.4	19.6
1997:4	-7.0	-3.5	-40.4	-40.4	19.3	19.3
1998:1	1.8	1.9	-25.4	-24.1	25.9	15.4
1998:2	-7.1	-1.8	-34.0	-25.0	28.5	21.1
1998:3	0.0	-5.2	-14.3	-30.4	-8.9	0.0
1998:4	36.4	14.8	47.3	18.9	27.7	7.7
1999:1	7.4	3.7	31.4	5.7	20.4	11.4
1999:2	10.0	8.3	7.1	1.8	-0.0	10.1
1999:3	5.4	1.9	21.5	5.5	0.0	0.1
1999:4	9.1	1.9	23.6	-1.9	-1.8	-3.8
2000:1	10.9	9.4	25.0	10.0	9.1	-1.9
2000:2	24.6	21.4	35.2	16.0	-8.8	5.3
2000:3	33.9	23.6	35.8	25.4	-5.3	-3.6
2000:4	43.8	27.3	54.4	26.9	-22.8	-12.8
2001:1	59.7	45.4	57.1	28.9	-50.0	-29.7
2001:2	50.9	36.4	44.4	22.3	-40.0	-34.5
2001:3	40.4	31.6	50.8	38.2	-52.7	-42.1
2001:4	50.9	40.4	58.9	41.8	-70.2	-50.0
2002:1	45.4	41.8	40.0	36.4	-54.5	-45.4
2002:2	25.0	14.5	23.7	13.2	-35.7	-29.0
2002:3	21.4	5.5	41.1	20.0	-44.6	-36.4
2002:4	20.0	18.2	29.1	14.8	-52.7	-48.2
2003:1	22.0	13.8	27.1	15.5	-32.2	-20.6
2003:2	8.9	12.7	14.6	11.1	-39.3	-21.8
2003:3	3.5	3.5	-12.3	-3.6	-22.5	-12.3
2003:4	0.0	-1.8	-13.8	-10.5	-11.6	-3.9
2004:1	-17.9	-10.9	-26.8	-16.7	10.7	21.8
2004:2	-23.2	-19.6	-39.3	-25.9	28.6	38.1
2004:3	-20.0	-3.7	-30.8	-29.1	31.4	38.9
2004:4	-21.1	-18.2	-50.0	-38.2	26.3	25.5
2005:1	-23.6	-12.9	-45.5	-26.0	45.5	29.6
2005:2	-24.1	-24.1	-70.4	-54.7	37.0	37.0
2005:3	-16.7	-11.1	-46.3	-37.7	40.8	35.2
2005:4	-8.8	-5.3	-45.6	-36.8	14.3	8.9
2006:1	-10.7	-7.1	-42.5	-33.4	16.1	5.3
2006:2	-12.3	-7.0	-59.7	-45.6	3.5	3.5
2006:3	-8.9	-1.8	-41.8	-21.5	-1.8	0.0
2006:4	0.0	-1.8	-29.6	-31.5	-3.7	-13.0
2007:1	0.0	5.3	-44.6	-29.6	-1.8	-5.3
2007:2	-3.7	1.9	-52.8	-37.2	-22.6	-19.2
2007:3	7.5	7.7	-32.1	-32.7	-19.2	-11.8
2007:4	19.2	9.6	34.6	21.1	-17.3	-7.7
2008:1	32.2	30.4	43.6	40.1	-16.4	-23.6
2008:2	55.4	51.8	71.0	63.6	-0.0	-16.1
2008:3	57.6	65.3	80.8	71.1	-3.8	-15.4
2008:4	83.6	74.5	98.2	92.7	-16.7	-7.4
2009:1	64.2	69.2	92.5	88.5	-60.4	-57.7
2009:2	39.6	42.3	79.2	75.0	-60.4	-63.5
2009:3	31.5	34.0	59.3	64.2	-44.4	-54.7
2009:4	14.0	16.1	40.4	42.9	-31.6	-35.7
2010:1	-5.5	3.7	9.1	14.8	-25.5	-29.6
2010:2	-7.1	0.0	-7.1	9.3	-7.1	-9.3
2010:3	-8.8	-9.1	-49.1	-32.7	1.8	-3.6

Figure 2: Measures of Supply and Demand for Commercial Real Estate Loans

	Panel 1: Net Percentage of Domestic Respondents Tightening Standards for Commercial Real Estate Loans	Panel 2: Net Percentage of Domestic Respondents Reporting Stronger Demand for Commercial Real Estate Loans
1990:2	n.a.	n.a.
1990:3	69.4	n.a.
1990:4	61.7	n.a.
1991:1	46.4	n.a.
1991:2	25.8	n.a.
1991:3	27.1	n.a.
1991:4	14.9	n.a.
1992:1	7.1	n.a.
1992:2	10.1	n.a.
1992:3	4.4	n.a.
1992:4	3.5	n.a.
1993:1	2.2	n.a.
1993:2	2.2	n.a.
1993:3	-0.9	n.a.
1993:4	-3.9	n.a.
1994:1	-4.7	n.a.
1994:2	-7.1	n.a.
1994:3	-3.1	n.a.
1994:4	-3.1	n.a.
1995:1	0.5	n.a.
1995:2	-0.4	13.5
1995:3	3.0	20.7
1995:4	6.1	25.5
1996:1	13.3	8.9
1996:2	10.9	-1.8
1996:3	5.7	13.3
1996:4	-1.7	17.6
1997:1	-1.8	16.4
1997:2	-5.2	10.4
1997:3	-11.4	15.1
1997:4	-8.8	36.9
1998:1	-7.2	39.9
1998:2	-7.2	47.4
1998:3	0.0	25.0
1998:4	46.4	0.0
1999:1	14.8	29.6
1999:2	5.1	10.1
1999:3	8.9	10.7
1999:4	9.1	1.9
2000:1	10.9	11.1
2000:2	21.4	5.4
2000:3	32.1	-7.1
2000:4	26.3	-8.7
2001:1	44.6	-28.6
2001:2	41.8	-21.8
2001:3	42.6	-30.9
2001:4	44.7	-51.8
2002:1	46.3	-42.6
2002:2	30.9	-29.1
2002:3	25.5	-32.7
2002:4	22.2	-35.2
2003:1	13.6	-20.3
2003:2	17.8	-28.6
2003:3	13.8	-12.0
2003:4	0.0	-10.5
2004:1	-5.5	16.4
2004:2	-10.7	21.5
2004:3	-8.9	25.0
2004:4	-17.5	22.8
2005:1	-23.7	16.4
2005:2	-22.2	20.4
2005:3	-12.9	24.0
2005:4	-5.2	12.3
2006:1	1.8	3.6
2006:2	1.8	5.3
2006:3	10.7	-3.6
2006:4	36.3	-27.2
2007:1	26.3	-35.1
2007:2	30.2	-35.8
2007:3	25.0	-28.8
2007:4	50.0	-34.6
2008:1	80.3	-46.5
2008:2	78.6	-37.5
2008:3	80.7	-30.8
2008:4	87.0	-55.6
2009:1	79.2	-54.7
2009:2	66.0	-66.0
2009:3	46.3	-63.0
2009:4	33.9	-42.9
2010:1	27.3	-27.3
2010:2	12.5	-7.1
2010:3	5.3	-7.0

Figure 3: Measures of Supply and Demand for Residential Mortgage Loans

	Panel 1: Net Percentage of Domestic Respondents Tightening Standards for Mortgage Loans				Panel 2: Net Percentage of Domestic Respondents Reporting Stronger Demand for Mortgage Loans
	All	Prime	Nontraditional	Subprime	All	Prime	Nontraditional	Subprime
1990:2	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
1990:3	8.7	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
1990:4	22.8	n.a.	n.a.	n.a.	-47.3	n.a.	n.a.	n.a.
1991:1	32.7	n.a.	n.a.	n.a.	-57.4	n.a.	n.a.	n.a.
1991:2	22.9	n.a.	n.a.	n.a.	59.7	n.a.	n.a.	n.a.
1991:3	12.5	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.	n.a.
1991:4	6.9	n.a.	n.a.	n.a.	5.3	n.a.	n.a.	n.a.
1992:1	3.5	n.a.	n.a.	n.a.	38.6	n.a.	n.a.	n.a.
1992:2	0.0	n.a.	n.a.	n.a.	25.9	n.a.	n.a.	n.a.
1992:3	-1.8	n.a.	n.a.	n.a.	24.6	n.a.	n.a.	n.a.
1992:4	-5.3	n.a.	n.a.	n.a.	34.0	n.a.	n.a.	n.a.
1993:1	-3.6	n.a.	n.a.	n.a.	3.6	n.a.	n.a.	n.a.
1993:2	3.4	n.a.	n.a.	n.a.	43.8	n.a.	n.a.	n.a.
1993:3	-11.7	n.a.	n.a.	n.a.	45.8	n.a.	n.a.	n.a.
1993:4	-15.5	n.a.	n.a.	n.a.	24.1	n.a.	n.a.	n.a.
1994:1	-5.5	n.a.	n.a.	n.a.	17.2	n.a.	n.a.	n.a.
1994:2	-7.1	n.a.	n.a.	n.a.	-12.5	n.a.	n.a.	n.a.
1994:3	-5.5	n.a.	n.a.	n.a.	-57.2	n.a.	n.a.	n.a.
1994:4	-5.5	n.a.	n.a.	n.a.	-66.7	n.a.	n.a.	n.a.
1995:1	-1.8	n.a.	n.a.	n.a.	-76.8	n.a.	n.a.	n.a.
1995:2	-5.5	n.a.	n.a.	n.a.	-14.5	n.a.	n.a.	n.a.
1995:3	0.0	n.a.	n.a.	n.a.	51.0	n.a.	n.a.	n.a.
1995:4	3.7	n.a.	n.a.	n.a.	16.4	n.a.	n.a.	n.a.
1996:1	0.0	n.a.	n.a.	n.a.	14.5	n.a.	n.a.	n.a.
1996:2	-2.0	n.a.	n.a.	n.a.	22.0	n.a.	n.a.	n.a.
1996:3	4.0	n.a.	n.a.	n.a.	-22.0	n.a.	n.a.	n.a.
1996:4	3.9	n.a.	n.a.	n.a.	-11.7	n.a.	n.a.	n.a.
1997:1	3.8	n.a.	n.a.	n.a.	5.7	n.a.	n.a.	n.a.
1997:2	-1.8	n.a.	n.a.	n.a.	-9.5	n.a.	n.a.	n.a.
1997:3	-2.0	n.a.	n.a.	n.a.	20.0	n.a.	n.a.	n.a.
1997:4	1.9	n.a.	n.a.	n.a.	28.8	n.a.	n.a.	n.a.
1998:1	0.0	n.a.	n.a.	n.a.	57.7	n.a.	n.a.	n.a.
1998:2	-5.8	n.a.	n.a.	n.a.	63.5	n.a.	n.a.	n.a.
1998:3	0.0	n.a.	n.a.	n.a.	35.3	n.a.	n.a.	n.a.
1998:4	-1.9	n.a.	n.a.	n.a.	47.0	n.a.	n.a.	n.a.
1999:1	2.0	n.a.	n.a.	n.a.	10.0	n.a.	n.a.	n.a.
1999:2	0.0	n.a.	n.a.	n.a.	8.9	n.a.	n.a.	n.a.
1999:3	-1.9	n.a.	n.a.	n.a.	-33.4	n.a.	n.a.	n.a.
1999:4	-2.0	n.a.	n.a.	n.a.	-41.2	n.a.	n.a.	n.a.
2000:1	-1.9	n.a.	n.a.	n.a.	-63.5	n.a.	n.a.	n.a.
2000:2	-5.6	n.a.	n.a.	n.a.	-42.6	n.a.	n.a.	n.a.
2000:3	0.0	n.a.	n.a.	n.a.	-39.7	n.a.	n.a.	n.a.
2000:4	0.0	n.a.	n.a.	n.a.	-32.7	n.a.	n.a.	n.a.
2001:1	0.0	n.a.	n.a.	n.a.	0.0	n.a.	n.a.	n.a.
2001:2	3.8	n.a.	n.a.	n.a.	46.1	n.a.	n.a.	n.a.
2001:3	3.8	n.a.	n.a.	n.a.	24.5	n.a.	n.a.	n.a.
2001:4	3.8	n.a.	n.a.	n.a.	-1.9	n.a.	n.a.	n.a.
2002:1	1.9	n.a.	n.a.	n.a.	28.9	n.a.	n.a.	n.a.
2002:2	1.9	n.a.	n.a.	n.a.	5.6	n.a.	n.a.	n.a.
2002:3	3.9	n.a.	n.a.	n.a.	27.5	n.a.	n.a.	n.a.
2002:4	10.0	n.a.	n.a.	n.a.	40.0	n.a.	n.a.	n.a.
2003:1	11.1	n.a.	n.a.	n.a.	7.4	n.a.	n.a.	n.a.
2003:2	5.7	n.a.	n.a.	n.a.	17.0	n.a.	n.a.	n.a.
2003:3	1.9	n.a.	n.a.	n.a.	46.3	n.a.	n.a.	n.a.
2003:4	0.0	n.a.	n.a.	n.a.	-18.6	n.a.	n.a.	n.a.
2004:1	-1.9	n.a.	n.a.	n.a.	-38.5	n.a.	n.a.	n.a.
2004:2	-7.8	n.a.	n.a.	n.a.	-5.8	n.a.	n.a.	n.a.
2004:3	-5.8	n.a.	n.a.	n.a.	-7.7	n.a.	n.a.	n.a.
2004:4	1.9	n.a.	n.a.	n.a.	-24.5	n.a.	n.a.	n.a.
2005:1	-7.8	n.a.	n.a.	n.a.	-27.5	n.a.	n.a.	n.a.
2005:2	-2.1	n.a.	n.a.	n.a.	-18.3	n.a.	n.a.	n.a.
2005:3	0.0	n.a.	n.a.	n.a.	20.4	n.a.	n.a.	n.a.
2005:4	-3.7	n.a.	n.a.	n.a.	-22.2	n.a.	n.a.	n.a.
2006:1	0.0	n.a.	n.a.	n.a.	-44.0	n.a.	n.a.	n.a.
2006:2	-9.4	n.a.	n.a.	n.a.	-23.1	n.a.	n.a.	n.a.
2006:3	-9.3	n.a.	n.a.	n.a.	-58.5	n.a.	n.a.	n.a.
2006:4	1.9	n.a.	n.a.	n.a.	-60.4	n.a.	n.a.	n.a.
2007:1	16.4	n.a.	n.a.	n.a.	-37.0	n.a.	n.a.	n.a.
2007:2	n.a.	15.1	45.5	56.3	n.a.	-18.9	-15.9	-18.8
2007:3	n.a.	14.3	40.5	56.3	n.a.	-10.0	-21.3	-43.8
2007:4	n.a.	40.8	60.0	55.5	n.a.	-51.0	-45.0	-50.0
2008:1	n.a.	52.9	84.6	71.5	n.a.	-60.3	-69.2	-71.5
2008:2	n.a.	62.3	75.6	77.7	n.a.	-24.5	-29.7	-66.6
2008:3	n.a.	74.0	84.4	85.7	n.a.	-30.5	-46.9	-28.6
2008:4	n.a.	69.2	89.7	100.0	n.a.	-51.9	-72.4	-100.0
2009:1	n.a.	47.1	48.0	50.0	n.a.	-9.8	-64.0	-50.0
2009:2	n.a.	49.0	64.0	n.a. ^*	n.a.	36.7	-12.0	n.a. ^*
2009:3	n.a.	21.6	45.8	n.a. ^*	n.a.	15.7	-16.7	n.a. ^*
2009:4	n.a.	24.1	30.4	n.a. ^*	n.a.	27.8	-4.3	n.a. ^*
2010:1	n.a.	13.2	29.4	n.a. ^*	n.a.	-7.7	-35.3	n.a. ^*
2010:2	n.a.	1.9	4.8	n.a. ^*	n.a.	-13.2	-33.3	n.a. ^*
2010:3	n.a.	-5.5	4.5	n.a. ^*	n.a.	9.1	0.0	n.a. ^*

Figure 4: Measures of Supply and Demand for Loans to Households

	Panel 1: Net Percentage of Domestic Respondents Tightening Standards on Consumer Loans		Panel 2: Net Percentage of Domestic Respondents Reporting Increased Willingness to Make Consumer Installment Loans	Panel 3: Net Percentage of Domestic Respondents Reporting Stronger Demand for Consumer Loans
	Credit cards	Other consumer loans
1990:2	n.a.	n.a.	7.1	n.a.
1990:3	n.a.	n.a.	10.2	n.a.
1990:4	n.a.	n.a.	-1.7	n.a.
1991:1	n.a.	n.a.	-14.8	n.a.
1991:2	n.a.	n.a.	1.8	n.a.
1991:3	n.a.	n.a.	0.0	n.a.
1991:4	n.a.	n.a.	10.5	-28.1
1992:1	n.a.	n.a.	9.3	-30.3
1992:2	n.a.	n.a.	18.2	22.2
1992:3	n.a.	n.a.	21.1	14.3
1992:4	n.a.	n.a.	16.4	14.5
1993:1	n.a.	n.a.	14.8	1.8
1993:2	n.a.	n.a.	26.3	10.7
1993:3	n.a.	n.a.	25.9	22.4
1993:4	n.a.	n.a.	17.2	26.8
1994:1	n.a.	n.a.	29.3	24.5
1994:2	n.a.	n.a.	29.1	37.5
1994:3	n.a.	n.a.	21.4	16.1
1994:4	n.a.	n.a.	25.0	0.0
1995:1	n.a.	n.a.	16.1	-3.6
1995:2	n.a.	n.a.	18.5	-7.3
1995:3	n.a.	n.a.	7.0	24.0
1995:4	n.a.	n.a.	5.5	5.5
1996:1	25.0	15.7	5.4	-7.7
1996:2	23.5	12.0	-4.0	12.0
1996:3	48.9	24.5	-6.1	2.0
1996:4	48.8	23.1	-3.8	-9.8
1997:1	36.9	20.0	-2.0	-15.6
1997:2	45.9	19.3	0.0	-15.1
1997:3	23.3	8.4	8.3	-10.4
1997:4	25.0	12.0	10.0	-4.0
1998:1	22.2	16.3	0.0	4.0
1998:2	16.3	6.1	4.0	9.8
1998:3	20.0	7.8	9.8	0.0
1998:4	15.9	8.0	5.8	-8.0
1999:1	7.4	-1.9	13.5	3.9
1999:2	13.3	5.4	14.5	16.7
1999:3	4.8	5.6	7.5	11.4
1999:4	4.9	0.0	7.8	-7.9
2000:1	4.8	3.9	3.8	-9.6
2000:2	2.5	5.5	-3.7	-22.2
2000:3	-2.6	3.7	1.9	-9.3
2000:4	8.3	7.4	1.8	-12.8
2001:1	11.8	18.6	-5.6	-35.8
2001:2	20.0	18.9	0.0	9.7
2001:3	11.4	9.1	0.0	5.4
2001:4	20.0	20.0	-7.1	-23.6
2002:1	18.2	17.0	-5.7	-3.8
2002:2	8.6	20.0	0.0	3.8
2002:3	14.7	9.0	5.6	-3.7
2002:4	15.2	16.8	5.6	-5.6
2003:1	16.2	8.8	5.3	3.5
2003:2	9.7	12.9	3.7	-1.9
2003:3	0.0	5.5	14.5	32.7
2003:4	2.9	1.8	14.3	3.6
2004:1	6.3	5.7	11.3	-13.2
2004:2	3.3	-2.0	17.0	21.1
2004:3	0.0	0.0	9.1	-11.5
2004:4	-2.9	-3.9	13.0	-29.6
2005:1	-3.0	-2.0	11.5	-26.9
2005:2	-8.3	-9.8	15.7	-19.6
2005:3	-6.5	-3.9	21.2	9.8
2005:4	-3.0	-3.9	3.8	-20.8
2006:1	3.2	0.0	11.5	-28.8
2006:2	-2.6	1.8	14.5	-27.3
2006:3	-3.0	-5.8	7.7	-37.8
2006:4	-3.0	-5.8	1.9	-43.4
2007:1	0.0	0.0	1.8	-32.7
2007:2	-11.1	7.8	7.8	-24.0
2007:3	-3.2	12.0	0.0	-22.4
2007:4	3.2	26.0	-6.0	-26.5
2008:1	9.7	32.1	-15.1	-35.8
2008:2	32.4	44.4	-22.6	-18.1
2008:3	66.6	67.4	-34.0	-30.0
2008:4	58.8	64.2	-47.2	-48.1
2009:1	58.8	58.0	-16.0	-47.1
2009:2	58.1	47.1	-5.9	-17.6
2009:3	35.3	33.3	-6.0	-21.2
2009:4	15.8	17.0	-1.9	-24.5
2010:1	2.8	1.9	9.6	-33.3
2010:2	9.1	-6.0	14.0	-17.3
2010:3	-7.9	-13.2	22.6	-7.5

*Responses are not reported when the number of respondents is 3 or fewer.

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