The Fed - Table 1 - The July 2022 Senior Loan Officer Opinion Survey on Bank Lending Practices

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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 July 2022)

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.)

A. Standards for large and middle-market firms (annual sales of $50 million or more):

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	17	25.8	9	26.5	8	25.0
Remained basically unchanged	48	72.7	25	73.5	23	71.9
Eased somewhat	1	1.5	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	66	100	34	100	32	100

For this question, 1 respondent answered "My bank does not originate C&I loans or credit lines to large and middle-market firms."

B. Standards for small firms (annual sales of less than $50 million):

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	15	23.8	7	22.6	8	25.0
Remained basically unchanged	47	74.6	24	77.4	23	71.9
Eased somewhat	1	1.6	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

For this question, 4 respondents answered "My bank does not originate C&I loans or credit lines to small firms."

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?

A. Terms for large and middle-market firms (annual sales of $50 million or more):

a. Maximum size of credit lines

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	4	6.1	3	8.8	1	3.1
Remained basically unchanged	54	81.8	27	79.4	27	84.4
Eased somewhat	8	12.1	4	11.8	4	12.5
Eased considerably	0	0.0	0	0.0	0	0.0
Total	66	100	34	100	32	100

b. Maximum maturity of loans or credit lines

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	1.5	0	0.0	1	3.1
Remained basically unchanged	63	96.9	33	100.0	30	93.8
Eased somewhat	1	1.5	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	65	100	33	100	32	100

c. Costs of credit lines

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.5	0	0.0	1	3.1
Tightened somewhat	10	15.2	4	11.8	6	18.8
Remained basically unchanged	53	80.3	29	85.3	24	75.0
Eased somewhat	2	3.0	1	2.9	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	66	100	34	100	32	100

d. Spreads of loan rates over your bank's cost of funds (wider spreads=tightened,narrower spreads=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.5	1	2.9	0	0.0
Tightened somewhat	14	21.2	7	20.6	7	21.9
Remained basically unchanged	44	66.7	24	70.6	20	62.5
Eased somewhat	7	10.6	2	5.9	5	15.6
Eased considerably	0	0.0	0	0.0	0	0.0
Total	66	100	34	100	32	100

e. Premiums charged on riskier loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.5	1	2.9	0	0.0
Tightened somewhat	15	22.7	10	29.4	5	15.6
Remained basically unchanged	50	75.8	23	67.6	27	84.4
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	34	100	32	100

f. Loan covenants

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	6	9.2	3	8.8	3	9.7
Remained basically unchanged	57	87.7	30	88.2	27	87.1
Eased somewhat	2	3.1	1	2.9	1	3.2
Eased considerably	0	0.0	0	0.0	0	0.0
Total	65	100	34	100	31	100

g. Collateralization requirements

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	7	10.6	4	11.8	3	9.4
Remained basically unchanged	59	89.4	30	88.2	29	90.6
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	34	100	32	100

h. Use of interest rate floors (more use=tightened, less use=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	6	9.1	2	5.9	4	12.5
Remained basically unchanged	54	81.8	30	88.2	24	75.0
Eased somewhat	5	7.6	2	5.9	3	9.4
Eased considerably	1	1.5	0	0.0	1	3.1
Total	66	100	34	100	32	100

B. Terms for small firms (annual sales of less than $50 million):

a. Maximum size of credit lines

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	3	4.8	2	6.5	1	3.2
Remained basically unchanged	55	88.7	28	90.3	27	87.1
Eased somewhat	4	6.5	1	3.2	3	9.7
Eased considerably	0	0.0	0	0.0	0	0.0
Total	62	100	31	100	31	100

b. Maximum maturity of loans or credit lines

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	95.2	30	96.8	30	93.8
Eased somewhat	2	3.2	0	0.0	2	6.2
Eased considerably	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

c. Costs of credit lines

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.6	0	0.0	1	3.2
Tightened somewhat	7	11.5	3	10.0	4	12.9
Remained basically unchanged	52	85.2	27	90.0	25	80.6
Eased somewhat	1	1.6	0	0.0	1	3.2
Eased considerably	0	0.0	0	0.0	0	0.0
Total	61	100	30	100	31	100

d. Spreads of loan rates over your bank's cost of funds (wider spreads=tightened,narrower spreads=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	14	22.2	6	19.4	8	25.0
Remained basically unchanged	43	68.3	24	77.4	19	59.4
Eased somewhat	6	9.5	1	3.2	5	15.6
Eased considerably	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

e. Premiums charged on riskier loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	11	17.5	6	19.4	5	15.6
Remained basically unchanged	52	82.5	25	80.6	27	84.4
Eased somewhat	0	0.0	0	0.0	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

f. Loan covenants

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	6	9.7	3	9.7	3	9.7
Remained basically unchanged	54	87.1	28	90.3	26	83.9
Eased somewhat	2	3.2	0	0.0	2	6.5
Eased considerably	0	0.0	0	0.0	0	0.0
Total	62	100	31	100	31	100

g. Collateralization requirements

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	6	10.0	4	13.3	2	6.7
Remained basically unchanged	53	88.3	26	86.7	27	90.0
Eased somewhat	1	1.7	0	0.0	1	3.3
Eased considerably	0	0.0	0	0.0	0	0.0
Total	60	100	30	100	30	100

h. Use of interest rate floors (more use=tightened, less use=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	5	8.1	2	6.5	3	9.7
Remained basically unchanged	52	83.9	28	90.3	24	77.4
Eased somewhat	4	6.5	1	3.2	3	9.7
Eased considerably	1	1.6	0	0.0	1	3.2
Total	62	100	31	100	31	100

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? (Please respond to either A, B, or both as appropriate.)

A. Possible reasons for tightening credit standards or loan terms:

a. Deterioration in your bank's current or expected capital position

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	25	86.2	13	92.9	12	80.0
Somewhat Important	4	13.8	1	7.1	3	20.0
Very Important	0	0.0	0	0.0	0	0.0
Total	29	100	14	100	15	100

b. Less favorable or more uncertain economic outlook

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	1	3.2	0	0.0	1	6.7
Somewhat Important	12	38.7	5	31.2	7	46.7
Very Important	18	58.1	11	68.8	7	46.7
Total	31	100	16	100	15	100

c. Worsening of industry-specific problems (please specify industries)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	12	41.4	6	40.0	6	42.9
Somewhat Important	12	41.4	7	46.7	5	35.7
Very Important	5	17.2	2	13.3	3	21.4
Total	29	100	15	100	14	100

d. Less aggressive competition from other banks or nonbank lenders (other financial intermediaries or the capital markets)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	23	76.7	13	86.7	10	66.7
Somewhat Important	6	20.0	1	6.7	5	33.3
Very Important	1	3.3	1	6.7	0	0.0
Total	30	100	15	100	15	100

e. Reduced tolerance for risk

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	14	46.7	5	33.3	9	60.0
Somewhat Important	15	50.0	10	66.7	5	33.3
Very Important	1	3.3	0	0.0	1	6.7
Total	30	100	15	100	15	100

f. Decreased liquidity in the secondary market for these loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	21	70.0	9	60.0	12	80.0
Somewhat Important	7	23.3	4	26.7	3	20.0
Very Important	2	6.7	2	13.3	0	0.0
Total	30	100	15	100	15	100

g. Deterioration in your bank's current or expected liquidity position

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	25	83.3	14	93.3	11	73.3
Somewhat Important	5	16.7	1	6.7	4	26.7
Very Important	0	0.0	0	0.0	0	0.0
Total	30	100	15	100	15	100

h. Increased concerns about the effects of legislative changes, supervisory actions, or changes in accounting standards

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	21	70.0	13	86.7	8	53.3
Somewhat Important	9	30.0	2	13.3	7	46.7
Very Important	0	0.0	0	0.0	0	0.0
Total	30	100	15	100	15	100

B. Possible reasons for easing credit standards or loan terms:

a. Improvement in your bank's current or expected capital position

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	13	86.7	5	100.0	8	80.0
Somewhat Important	2	13.3	0	0.0	2	20.0
Very Important	0	0.0	0	0.0	0	0.0
Total	15	100	5	100	10	100

b. More favorable or less uncertain economic outlook

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	12	80.0	4	80.0	8	80.0
Somewhat Important	3	20.0	1	20.0	2	20.0
Very Important	0	0.0	0	0.0	0	0.0
Total	15	100	5	100	10	100

c. Improvement in industry-specific problems (please specify industries)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	10	66.7	4	80.0	6	60.0
Somewhat Important	4	26.7	1	20.0	3	30.0
Very Important	1	6.7	0	0.0	1	10.0
Total	15	100	5	100	10	100

d. More aggressive competition from other banks or nonbank lenders (other financial intermediaries or the capital markets)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	3	18.8	1	20.0	2	18.2
Somewhat Important	11	68.8	4	80.0	7	63.6
Very Important	2	12.5	0	0.0	2	18.2
Total	16	100	5	100	11	100

e. Increased tolerance for risk

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	14	93.3	5	100.0	9	90.0
Somewhat Important	1	6.7	0	0.0	1	10.0
Very Important	0	0.0	0	0.0	0	0.0
Total	15	100	5	100	10	100

f. Increased liquidity in the secondary market for these loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	14	93.3	5	100.0	9	90.0
Somewhat Important	1	6.7	0	0.0	1	10.0
Very Important	0	0.0	0	0.0	0	0.0
Total	15	100	5	100	10	100

g. Improvement in your bank's current or expected liquidity position

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	13	81.2	4	66.7	9	90.0
Somewhat Important	3	18.8	2	33.3	1	10.0
Very Important	0	0.0	0	0.0	0	0.0
Total	16	100	6	100	10	100

h. Reduced concerns about the effects of legislative changes, supervisory actions, or changes in accounting standards

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	14	100.0	5	100.0	9	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	14	100	5	100	9	100

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.)

A. Demand for C&I loans from large and middle-market firms (annual sales of $50 million or more):

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	0	0.0	0	0.0	0	0.0
Moderately stronger	22	33.3	13	38.2	9	28.1
About the same	38	57.6	18	52.9	20	62.5
Moderately weaker	6	9.1	3	8.8	3	9.4
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	66	100	34	100	32	100

B. Demand for C&I loans from small firms (annual sales of less than $50 million):

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	0	0.0	0	0.0	0	0.0
Moderately stronger	18	28.6	7	22.6	11	34.4
About the same	38	60.3	22	71.0	16	50.0
Moderately weaker	7	11.1	2	6.5	5	15.6
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

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? (Please respond to either A, B, or both as appropriate.)

A. If stronger loan demand (answer 1 or 2 to question 4A or 4B), possible reasons:

a. Customer inventory financing needs increased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	3	12.5	2	15.4	1	9.1
Somewhat Important	12	50.0	6	46.2	6	54.5
Very Important	9	37.5	5	38.5	4	36.4
Total	24	100	13	100	11	100

b. Customer accounts receivable financing needs increased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	5	20.8	3	23.1	2	18.2
Somewhat Important	17	70.8	10	76.9	7	63.6
Very Important	2	8.3	0	0.0	2	18.2
Total	24	100	13	100	11	100

c. Customer investment in plant or equipment increased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	9	37.5	7	53.8	2	18.2
Somewhat Important	14	58.3	6	46.2	8	72.7
Very Important	1	4.2	0	0.0	1	9.1
Total	24	100	13	100	11	100

d. Customer internally generated funds decreased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	11	45.8	4	30.8	7	63.6
Somewhat Important	10	41.7	7	53.8	3	27.3
Very Important	3	12.5	2	15.4	1	9.1
Total	24	100	13	100	11	100

e. Customer merger or acquisition financing needs increased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	10	41.7	5	38.5	5	45.5
Somewhat Important	13	54.2	8	61.5	5	45.5
Very Important	1	4.2	0	0.0	1	9.1
Total	24	100	13	100	11	100

f. Customer borrowing shifted to your bank from other bank or nonbank sources because these other sources became less attractive

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	8	33.3	2	15.4	6	54.5
Somewhat Important	14	58.3	9	69.2	5	45.5
Very Important	2	8.3	2	15.4	0	0.0
Total	24	100	13	100	11	100

g. Customer precautionary demand for cash and liquidity increased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	8	33.3	5	38.5	3	27.3
Somewhat Important	12	50.0	6	46.2	6	54.5
Very Important	4	16.7	2	15.4	2	18.2
Total	24	100	13	100	11	100

B. If weaker loan demand (answer 4 or 5 to question 4A or 4B), possible reasons:

a. Customer inventory financing needs decreased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	5	62.5	3	100.0	2	40.0
Somewhat Important	3	37.5	0	0.0	3	60.0
Very Important	0	0.0	0	0.0	0	0.0
Total	8	100	3	100	5	100

b. Customer accounts receivable financing needs decreased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	5	62.5	3	100.0	2	40.0
Somewhat Important	3	37.5	0	0.0	3	60.0
Very Important	0	0.0	0	0.0	0	0.0
Total	8	100	3	100	5	100

c. Customer investment in plant or equipment decreased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	1	12.5	1	33.3	0	0.0
Somewhat Important	6	75.0	2	66.7	4	80.0
Very Important	1	12.5	0	0.0	1	20.0
Total	8	100	3	100	5	100

d. Customer internally generated funds increased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	5	62.5	2	66.7	3	60.0
Somewhat Important	3	37.5	1	33.3	2	40.0
Very Important	0	0.0	0	0.0	0	0.0
Total	8	100	3	100	5	100

e. Customer merger or acquisition financing needs decreased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	4	50.0	1	33.3	3	60.0
Somewhat Important	4	50.0	2	66.7	2	40.0
Very Important	0	0.0	0	0.0	0	0.0
Total	8	100	3	100	5	100

f. Customer borrowing shifted from your bank to other bank or nonbank sources because these other sources became more attractive

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	6	75.0	1	33.3	5	100.0
Somewhat Important	2	25.0	2	66.7	0	0.0
Very Important	0	0.0	0	0.0	0	0.0
Total	8	100	3	100	5	100

g. Customer precautionary demand for cash and liquidity decreased

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	5	62.5	1	33.3	4	80.0
Somewhat Important	3	37.5	2	66.7	1	20.0
Very Important	0	0.0	0	0.0	0	0.0
Total	8	100	3	100	5	100

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.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
The number of inquiries has increased substantially	0	0.0	0	0.0	0	0.0
The number of inquiries has increased moderately	13	20.0	7	21.2	6	18.8
The number of inquiries has stayed about the same	40	61.5	22	66.7	18	56.2
The number of inquiries has decreased moderately	11	16.9	3	9.1	8	25.0
The number of inquiries has decreased substantially	1	1.5	1	3.0	0	0.0
Total	65	100	33	100	32	100

For this question, 1 respondent answered "My bank does not originate C&I lines of credit."

Questions 7-12 ask about changes in standards and demand over the past three months for three different types of commercial real estate (CRE) loans at your bank: construction and land development loans, loans secured by nonfarm nonresidential properties, and loans secured by multifamily residential properties. Please report changes in enforcement of existing policies as changes in policies.

7. Over the past three months, how have your bank's credit standards for approving new applications for construction and land development loans or credit lines changed?

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	32	50.0	16	50.0	16	50.0
Remained basically unchanged	31	48.4	16	50.0	15	46.9
Eased somewhat	1	1.6	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	64	100	32	100	32	100

For this question, 3 respondents answered "My bank does not originate construction and land development loans or credit lines."

8. Over the past three months, how have your bank's credit standards for approving new applications for loans secured by nonfarm nonresidential properties changed?

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	28	43.1	15	45.5	13	40.6
Remained basically unchanged	36	55.4	18	54.5	18	56.2
Eased somewhat	1	1.5	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	65	100	33	100	32	100

For this question, 2 respondents answered "My bank does not originate loans secured by nonfarm nonresidential properties."

9. Over the past three months, how have your bank's credit standards for approving new applications for loans secured by multifamily residential properties changed?

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	22	33.3	11	33.3	11	33.3
Remained basically unchanged	42	63.6	22	66.7	20	60.6
Eased somewhat	2	3.0	0	0.0	2	6.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	66	100	33	100	33	100

For this question, 1 respondent answered "My bank does not originate loans secured by multifamily residential properties."

10. Apart from normal seasonal variation, how has demand for construction and land development loans changed over the past three months? (Please consider the number of requests for new spot loans, for disbursement of funds under existing loan commitments, and for new or increased credit lines.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	1	1.6	1	3.1	0	0.0
Moderately stronger	10	15.6	3	9.4	7	21.9
About the same	31	48.4	12	37.5	19	59.4
Moderately weaker	22	34.4	16	50.0	6	18.8
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	64	100	32	100	32	100

11. Apart from normal seasonal variation, how has demand for loans secured by nonfarm nonresidential properties changed over the past three months? (Please consider the number of requests for new spot loans, for disbursement of funds under existing loan commitments, and for new or increased credit lines.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	0	0.0	0	0.0	0	0.0
Moderately stronger	10	15.4	4	12.1	6	18.8
About the same	35	53.8	14	42.4	21	65.6
Moderately weaker	17	26.2	13	39.4	4	12.5
Substantially weaker	3	4.6	2	6.1	1	3.1
Total	65	100	33	100	32	100

12. Apart from normal seasonal variation, how has demand for loans secured by multifamily residential properties changed over the past three months? (Please consider the number of requests for new spot loans, for disbursement of funds under existing loan commitments, and for new or increased credit lines.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	3	4.5	3	9.1	0	0.0
Moderately stronger	12	18.2	4	12.1	8	24.2
About the same	40	60.6	18	54.5	22	66.7
Moderately weaker	11	16.7	8	24.2	3	9.1
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	66	100	33	100	33	100

Note: Beginning with the January 2015 survey, the loan categories referred to in the questions regarding changes in credit standards and demand for residential mortgage loans have been revised to reflect the Consumer Financial Protection Bureau's qualified mortgage rules.

Questions 13-14 ask about seven categories of residential mortgage loans at your bank: Government-Sponsored Enterprise eligible (GSE-eligible) residential mortgages, government residential mortgages, Qualified Mortgage non-jumbo non-GSE-eligible (QM non-jumbo, non-GSE-eligible) residential mortgages, QM jumbo residential mortgages, non-QM jumbo residential mortgages, non-QM non-jumbo residential mortgages, and subprime residential mortgages. For the purposes of this survey, please use the following definitions of these loan categories and include first-lien closed-end loans to purchase homes only. The loan categories have been defined so that every first-lien closed-end residential mortgage loan used for home purchase fits into one of the following seven categories:

The GSE-eligible category of residential mortgages includes loans that meet the underwriting guidelines, including loan limit amounts, of the GSEs - Fannie Mae and Freddie Mac.
The government category of residential mortgages includes loans that are insured by the Federal Housing Administration, guaranteed by the Department of Veterans Affairs, or originated under government programs, including the U.S. Department of Agriculture home loan programs.
The QM non-jumbo, non-GSE-eligible category of residential mortgages includes loans that satisfy the standards for a qualified mortgage and have loan balances that are below the loan limit amounts set by the GSEs but otherwise do not meet the GSE underwriting guidelines.
The QM jumbo category of residential mortgages includes loans that satisfy the standards for a qualified mortgage but have loan balances that are above the loan limit amount set by the GSEs.
The non-QM jumbo category of residential mortgages includes loans that do not satisfy the standards for a qualified mortgage and have loan balances that are above the loan limit amount set by the GSEs.
The non-QM non-jumbo category of residential mortgages includes loans that do not satisfy the standards for a qualified mortgage and have loan balances that are below the loan limit amount set by the GSEs.(Please exclude loans classified by your bank as subprime in this category.)
The subprime category of residential mortgages includes loans classified by your bank as subprime. This category typically includes loans made to borrowers with weakened credit histories that include payment delinquencies, charge-offs, judgements, and/or bankruptcies; reduced repayment capacity as measured by credit scores or debt-to-income ratios; or incomplete credit histories.

Question 13 deals with changes in your bank's credit standards for loans in each of the seven loan categories over the past three months. 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.

Question 14 deals with changes in demand for loans in each of the seven loan categories over the past three months.

13. Over the past three months, how have your bank's credit standards for approving applications from individuals for mortgage loans to purchase homes changed? (Please consider only new originations as opposed to the refinancing of existing mortgages.)

A. Credit standards on mortgage loans that your bank categorizes as GSE-eligible residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.7	1	3.8	0	0.0
Tightened somewhat	2	3.4	0	0.0	2	6.2
Remained basically unchanged	53	91.4	24	92.3	29	90.6
Eased somewhat	1	1.7	1	3.8	0	0.0
Eased considerably	1	1.7	0	0.0	1	3.1
Total	58	100	26	100	32	100

For this question, 9 respondents answered "My bank does not originate GSE-eligible residential mortgages."

B. Credit standards on mortgage loans that your bank categorizes as government residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	2	3.7	0	0.0	2	6.5
Remained basically unchanged	49	90.7	21	91.3	28	90.3
Eased somewhat	2	3.7	2	8.7	0	0.0
Eased considerably	1	1.9	0	0.0	1	3.2
Total	54	100	23	100	31	100

For this question, 13 respondents answered "My bank does not originate government residential mortgages."

C. Credit standards on mortgage loans that your bank categorizes as QM non-jumbo, non-GSE-eligible residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	1.8	0	0.0	1	3.3
Remained basically unchanged	55	96.5	27	100.0	28	93.3
Eased somewhat	1	1.8	0	0.0	1	3.3
Eased considerably	0	0.0	0	0.0	0	0.0
Total	57	100	27	100	30	100

For this question, 10 respondents answered "My bank does not originate QM non-jumbo, non-GSE-eligible residential mortgages."

D. Credit standards on mortgage loans that your bank categorizes as QM jumbo residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	6	10.5	1	3.8	5	16.1
Remained basically unchanged	48	84.2	22	84.6	26	83.9
Eased somewhat	3	5.3	3	11.5	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	57	100	26	100	31	100

For this question, 10 respondents answered "My bank does not originate QM jumbo residential mortgages."

E. Credit standards on mortgage loans that your bank categorizes as non-QM jumbo residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	5	8.9	1	3.4	4	14.8
Remained basically unchanged	48	85.7	25	86.2	23	85.2
Eased somewhat	3	5.4	3	10.3	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	56	100	29	100	27	100

For this question, 11 respondents answered "My bank does not originate non-QM jumbo residential mortgages."

F. Credit standards on mortgage loans that your bank categorizes as non-QM non-jumbo residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	3	5.6	1	3.6	2	7.7
Remained basically unchanged	51	94.4	27	96.4	24	92.3
Eased somewhat	0	0.0	0	0.0	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	54	100	28	100	26	100

For this question, 13 respondents answered "My bank does not originate non-QM non-jumbo residential mortgages."

G. Credit standards on mortgage loans that your bank categorizes as subprime residential mortgages have:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	12.5	0	0.0	1	14.3
Remained basically unchanged	7	87.5	1	100.0	6	85.7
Eased somewhat	0	0.0	0	0.0	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	8	100	1	100	7	100

For this question, 59 respondents answered "My bank does not originate subprime residential mortgages."

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

A. Demand for mortgages that your bank categorizes as GSE-eligible residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	0	0.0	0	0.0	0	0.0
Moderately stronger	3	5.2	2	7.7	1	3.1
About the same	17	29.3	4	15.4	13	40.6
Moderately weaker	28	48.3	14	53.8	14	43.8
Substantially weaker	10	17.2	6	23.1	4	12.5
Total	58	100	26	100	32	100

B. Demand for mortgages that your bank categorizes as government residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	1	1.9	1	4.3	0	0.0
Moderately stronger	2	3.7	0	0.0	2	6.5
About the same	19	35.2	6	26.1	13	41.9
Moderately weaker	25	46.3	12	52.2	13	41.9
Substantially weaker	7	13.0	4	17.4	3	9.7
Total	54	100	23	100	31	100

C. Demand for mortgages that your bank categorizes as QM non-jumbo, non-GSE-eligible residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	2	3.5	2	7.4	0	0.0
Moderately stronger	3	5.3	2	7.4	1	3.3
About the same	18	31.6	6	22.2	12	40.0
Moderately weaker	27	47.4	13	48.1	14	46.7
Substantially weaker	7	12.3	4	14.8	3	10.0
Total	57	100	27	100	30	100

D. Demand for mortgages that your bank categorizes as QM jumbo residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	1	1.8	1	3.8	0	0.0
Moderately stronger	4	7.0	2	7.7	2	6.5
About the same	16	28.1	5	19.2	11	35.5
Moderately weaker	26	45.6	13	50.0	13	41.9
Substantially weaker	10	17.5	5	19.2	5	16.1
Total	57	100	26	100	31	100

E. Demand for mortgages that your bank categorizes as non-QM jumbo residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	1	1.8	1	3.4	0	0.0
Moderately stronger	2	3.6	1	3.4	1	3.7
About the same	18	32.1	9	31.0	9	33.3
Moderately weaker	27	48.2	14	48.3	13	48.1
Substantially weaker	8	14.3	4	13.8	4	14.8
Total	56	100	29	100	27	100

F. Demand for mortgages that your bank categorizes as non-QM non-jumbo residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	1	1.9	1	3.6	0	0.0
Moderately stronger	1	1.9	1	3.6	0	0.0
About the same	18	33.3	9	32.1	9	34.6
Moderately weaker	27	50.0	13	46.4	14	53.8
Substantially weaker	7	13.0	4	14.3	3	11.5
Total	54	100	28	100	26	100

G. Demand for mortgages that your bank categorizes as subprime residential mortgages was:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	50.0	1	100.0	3	42.9
Moderately weaker	4	50.0	0	0.0	4	57.1
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	8	100	1	100	7	100

Questions 15-16 ask about revolving home equity lines of credit at your bank. Question 15 deals with changes in your bank's credit standards over the past three months. Question 16 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.

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

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	4	7.1	2	8.0	2	6.5
Remained basically unchanged	52	92.9	23	92.0	29	93.5
Eased somewhat	0	0.0	0	0.0	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	56	100	25	100	31	100

For this question, 11 respondents answered "My bank does not originate revolving home equity lines of credit."

16. 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.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	3	5.4	2	8.0	1	3.2
Moderately stronger	23	41.1	13	52.0	10	32.3
About the same	25	44.6	10	40.0	15	48.4
Moderately weaker	5	8.9	0	0.0	5	16.1
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	56	100	25	100	31	100

Questions 17-26 ask about consumer lending at your bank. Question 17 deals with changes in your bank's willingness to make consumer installment loans over the past three months. Questions 18-23 deal with changes in credit standards and loan terms over the same period. Questions 24-26 deal 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.

17. Please indicate your bank's willingness to make consumer installment loans now as opposed to three months ago. (This question covers the range of consumer installment loans defined as consumer loans with a set number of scheduled payments, such as auto loans, student loans, and personal loans. It does not cover credit cards and other types of revolving credit, nor mortgages, which are included under the residential real estate questions.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Much more willing	0	0.0	0	0.0	0	0.0
Somewhat more willing	5	8.6	3	11.5	2	6.2
About unchanged	51	87.9	22	84.6	29	90.6
Somewhat less willing	2	3.4	1	3.8	1	3.1
Much less willing	0	0.0	0	0.0	0	0.0
Total	58	100	26	100	32	100

For this question, 9 respondents answered "My bank does not originate consumer installment loans."

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

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	2.2	1	3.8	0	0.0
Remained basically unchanged	44	95.7	25	96.2	19	95.0
Eased somewhat	1	2.2	0	0.0	1	5.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	46	100	26	100	20	100

For this question, 21 respondents answered "My bank does not originate credit card loans to individuals or households."

19. 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.)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	4	7.5	2	9.1	2	6.5
Remained basically unchanged	46	86.8	17	77.3	29	93.5
Eased somewhat	3	5.7	3	13.6	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	53	100	22	100	31	100

For this question, 14 respondents answered "My bank does not originate auto loans to individuals or households."

20. 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?

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	2	3.4	1	3.7	1	3.1
Remained basically unchanged	56	94.9	26	96.3	30	93.8
Eased somewhat	1	1.7	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	59	100	27	100	32	100

For this question, 9 respondents answered "My bank does not originate consumer loans other than credit card or auto loans."

21. 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?

a. Credit limits

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	93.3	25	96.2	17	89.5
Eased somewhat	3	6.7	1	3.8	2	10.5
Eased considerably	0	0.0	0	0.0	0	0.0
Total	45	100	26	100	19	100

b. Spreads of interest rates charged on outstanding balances over your bank's cost of funds (wider spreads=tightened, narrower spreads=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	3	6.7	1	3.8	2	10.5
Remained basically unchanged	39	86.7	24	92.3	15	78.9
Eased somewhat	3	6.7	1	3.8	2	10.5
Eased considerably	0	0.0	0	0.0	0	0.0
Total	45	100	26	100	19	100

c. Minimum percent of outstanding balances required to be repaid each month

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	2.2	0	0.0	1	5.3
Remained basically unchanged	44	97.8	26	100.0	18	94.7
Eased somewhat	0	0.0	0	0.0	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	45	100	26	100	19	100

d. Minimum required credit score (increased score=tightened, reduced score=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	100.0	26	100.0	19	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	45	100	26	100	19	100

e. The extent to which loans are granted to some customers that do not meet credit scoring thresholds (increased=eased, decreased=tightened)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	100.0	26	100.0	19	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	45	100	26	100	19	100

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

a. Maximum maturity

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	1.9	0	0.0	1	3.2
Remained basically unchanged	49	92.5	20	90.9	29	93.5
Eased somewhat	3	5.7	2	9.1	1	3.2
Eased considerably	0	0.0	0	0.0	0	0.0
Total	53	100	22	100	31	100

b. Spreads of loan rates over your bank's cost of funds (wider spreads=tightened, narrower spreads=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.9	0	0.0	1	3.2
Tightened somewhat	7	13.2	3	13.6	4	12.9
Remained basically unchanged	35	66.0	12	54.5	23	74.2
Eased somewhat	8	15.1	5	22.7	3	9.7
Eased considerably	2	3.8	2	9.1	0	0.0
Total	53	100	22	100	31	100

c. Minimum required down payment (higher=tightened, lower=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	4	7.5	1	4.5	3	9.7
Remained basically unchanged	48	90.6	20	90.9	28	90.3
Eased somewhat	1	1.9	1	4.5	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	53	100	22	100	31	100

d. Minimum required credit score (increased score=tightened, reduced score=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	98.1	21	95.5	31	100.0
Eased somewhat	1	1.9	1	4.5	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	53	100	22	100	31	100

e. The extent to which loans are granted to some customers that do not meet credit scoring thresholds (increased=eased, decreased=tightened)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	2	3.8	1	4.5	1	3.2
Remained basically unchanged	51	96.2	21	95.5	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	53	100	22	100	31	100

23. 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?

a. Maximum maturity

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	1	1.7	0	0.0	1	3.1
Remained basically unchanged	58	98.3	27	100.0	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	59	100	27	100	32	100

b.Spreads of loan rates over your bank's cost of funds (wider spreads=tightened, narrower spreads=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	1	1.7	0	0.0	1	3.1
Tightened somewhat	5	8.5	2	7.4	3	9.4
Remained basically unchanged	46	78.0	21	77.8	25	78.1
Eased somewhat	6	10.2	3	11.1	3	9.4
Eased considerably	1	1.7	1	3.7	0	0.0
Total	59	100	27	100	32	100

c. Minimum required down payment (higher=tightened, lower=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	3	5.2	0	0.0	3	9.4
Remained basically unchanged	55	94.8	26	100.0	29	90.6
Eased somewhat	0	0.0	0	0.0	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	58	100	26	100	32	100

d. Minimum required credit score (increased score=tightened, reduced score=eased)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
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	96.6	25	92.6	32	100.0
Eased somewhat	2	3.4	2	7.4	0	0.0
Eased considerably	0	0.0	0	0.0	0	0.0
Total	59	100	27	100	32	100

e. The extent to which loans are granted to some customers that do not meet credit scoring thresholds (increased=eased, decreased=tightened)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tightened considerably	0	0.0	0	0.0	0	0.0
Tightened somewhat	2	3.4	1	3.7	1	3.1
Remained basically unchanged	56	94.9	26	96.3	30	93.8
Eased somewhat	1	1.7	0	0.0	1	3.1
Eased considerably	0	0.0	0	0.0	0	0.0
Total	59	100	27	100	32	100

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

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	0	0.0	0	0.0	0	0.0
Moderately stronger	10	22.7	5	19.2	5	27.8
About the same	32	72.7	20	76.9	12	66.7
Moderately weaker	2	4.5	1	3.8	1	5.6
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	44	100	26	100	18	100

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

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	2	3.9	1	4.5	1	3.4
Moderately stronger	4	7.8	0	0.0	4	13.8
About the same	31	60.8	14	63.6	17	58.6
Moderately weaker	14	27.5	7	31.8	7	24.1
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	51	100	22	100	29	100

26. 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?

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Substantially stronger	0	0.0	0	0.0	0	0.0
Moderately stronger	9	15.5	3	11.1	6	19.4
About the same	44	75.9	22	81.5	22	71.0
Moderately weaker	5	8.6	2	7.4	3	9.7
Substantially weaker	0	0.0	0	0.0	0	0.0
Total	58	100	27	100	31	100

Question 27 asks you to describe the current level of lending standards at your bank relative to the range of standards that has prevailed between 2005 and the present, a period which likely encompasses a wide range of standards as seen over a credit cycle. For each of the loan categories listed below, please use as reference points the points at which standards at your bank were tightest (most restrictive or least accommodative) and easiest (most accommodative or least restrictive) during this period.

27. Using the range between the tightest and the easiest that lending standards at your bank have been between 2005 and the present, for each of the loan categories listed below, how would you describe your bank?s current level of standards relative to that range? (Please respond using the following scale: 1 = near the easiest level that standards have been during this period, 2 = significantly easier than the midpoint of the range that standards have been during this period, 3 = somewhat easier than the midpoint of the range that standards have been during this period, 4 = near the midpoint of the range that standards have been during this period, 5 = somewhat tighter than the midpoint of the range that standards have been during this period, 6 = significantly tighter than the midpoint of the range that standards have been during this period, 7 = near the tightest level that standards have been during this period. If a different time frame (other than between 2005 and the present) would better encompass the most recent period over which your bank?s standards have spanned the range of easiest to tightest, please indicate that reference range in the comment box below.

A. C&I loans or credit lines:

a. Syndicated or club loans (large loans originated by a group of relationship lenders) to investment-grade firms (or unrated firms of similar creditworthiness)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	4	6.7	3	9.7	1	3.4
Somewhat easier than the midpoint	17	28.3	9	29.0	8	27.6
Near the midpoint	28	46.7	15	48.4	13	44.8
Somewhat tighter than the midpoint	10	16.7	4	12.9	6	20.7
Significantly tighter than the midpoint	1	1.7	0	0.0	1	3.4
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	60	100	31	100	29	100

b. Syndicated or club loans to below-investment-grade firms (or unrated firms of similar creditworthiness)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	1	1.6	1	3.2	0	0.0
Significantly easier than the midpoint	3	4.9	2	6.5	1	3.3
Somewhat easier than the midpoint	14	23.0	10	32.3	4	13.3
Near the midpoint	24	39.3	11	35.5	13	43.3
Somewhat tighter than the midpoint	12	19.7	5	16.1	7	23.3
Significantly tighter than the midpoint	6	9.8	2	6.5	4	13.3
Near the tightest level	1	1.6	0	0.0	1	3.3
Total	61	100	31	100	30	100

c. Non-syndicated loans to large and middle-market firms (annual sales of $50 million or more)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	4	6.3	4	12.9	0	0.0
Somewhat easier than the midpoint	17	27.0	6	19.4	11	34.4
Near the midpoint	30	47.6	15	48.4	15	46.9
Somewhat tighter than the midpoint	10	15.9	4	12.9	6	18.8
Significantly tighter than the midpoint	2	3.2	2	6.5	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

d. Non-syndicated loans to small firms (annual sales of less than $50 million)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	17	27.9	7	24.1	10	31.2
Near the midpoint	33	54.1	20	69.0	13	40.6
Somewhat tighter than the midpoint	10	16.4	2	6.9	8	25.0
Significantly tighter than the midpoint	1	1.6	0	0.0	1	3.1
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	61	100	29	100	32	100

e. Loans to very small firms (annual sales of less than $5 million)

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	16	26.2	6	20.7	10	31.2
Near the midpoint	36	59.0	21	72.4	15	46.9
Somewhat tighter than the midpoint	9	14.8	2	6.9	7	21.9
Significantly tighter than the midpoint	0	0.0	0	0.0	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	61	100	29	100	32	100

B. Loans or credit lines secured by commercial real estate:

a. For construction and land development purposes

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	10	16.1	4	13.3	6	18.8
Near the midpoint	18	29.0	8	26.7	10	31.2
Somewhat tighter than the midpoint	30	48.4	16	53.3	14	43.8
Significantly tighter than the midpoint	4	6.5	2	6.7	2	6.2
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	62	100	30	100	32	100

b. Secured by nonfarm nonresidential properties

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	11	17.5	5	16.1	6	18.8
Near the midpoint	23	36.5	11	35.5	12	37.5
Somewhat tighter than the midpoint	26	41.3	13	41.9	13	40.6
Significantly tighter than the midpoint	3	4.8	2	6.5	1	3.1
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

c. Secured by multifamily residential properties

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	2	3.2	1	3.2	1	3.1
Somewhat easier than the midpoint	14	22.2	6	19.4	8	25.0
Near the midpoint	29	46.0	16	51.6	13	40.6
Somewhat tighter than the midpoint	14	22.2	6	19.4	8	25.0
Significantly tighter than the midpoint	4	6.3	2	6.5	2	6.2
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	63	100	31	100	32	100

C. Loans or credit lines secured by residential real estate (For the jumbo category, consider residential real estate loans that have balances that are above the conforming loan limits announced by the FHFA. For remaining categories, please refer to the definitions of residential real estate loan categories stated in questions 13-14):

a. GSE-eligible residential mortgage loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	9	15.8	5	19.2	4	12.9
Near the midpoint	38	66.7	12	46.2	26	83.9
Somewhat tighter than the midpoint	9	15.8	8	30.8	1	3.2
Significantly tighter than the midpoint	1	1.8	1	3.8	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	57	100	26	100	31	100

b. Government residential mortgage loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	6	10.9	2	8.0	4	13.3
Near the midpoint	42	76.4	17	68.0	25	83.3
Somewhat tighter than the midpoint	6	10.9	5	20.0	1	3.3
Significantly tighter than the midpoint	1	1.8	1	4.0	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	55	100	25	100	30	100

c. Jumbo residential mortgage loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	8	13.3	3	10.3	5	16.1
Near the midpoint	38	63.3	17	58.6	21	67.7
Somewhat tighter than the midpoint	12	20.0	8	27.6	4	12.9
Significantly tighter than the midpoint	2	3.3	1	3.4	1	3.2
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	60	100	29	100	31	100

d. Revolving home equity lines of credit

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	8	14.3	3	11.5	5	16.7
Near the midpoint	34	60.7	12	46.2	22	73.3
Somewhat tighter than the midpoint	11	19.6	8	30.8	3	10.0
Significantly tighter than the midpoint	3	5.4	3	11.5	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	56	100	26	100	30	100

D. Consumer lending (please use your bank's own categorization for credit quality segments):

a. Credit card loans or lines of credit to prime borrowers

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	8	15.4	6	22.2	2	8.0
Near the midpoint	41	78.8	18	66.7	23	92.0
Somewhat tighter than the midpoint	1	1.9	1	3.7	0	0.0
Significantly tighter than the midpoint	2	3.8	2	7.4	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	52	100	27	100	25	100

b. Credit card loans or lines of credit to subprime borrowers

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	3	7.1	2	11.8	1	4.0
Near the midpoint	29	69.0	11	64.7	18	72.0
Somewhat tighter than the midpoint	8	19.0	3	17.6	5	20.0
Significantly tighter than the midpoint	0	0.0	0	0.0	0	0.0
Near the tightest level	2	4.8	1	5.9	1	4.0
Total	42	100	17	100	25	100

c. Auto loans to prime borrowers

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	9	17.6	6	27.3	3	10.3
Near the midpoint	40	78.4	14	63.6	26	89.7
Somewhat tighter than the midpoint	1	2.0	1	4.5	0	0.0
Significantly tighter than the midpoint	1	2.0	1	4.5	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	51	100	22	100	29	100

d. Auto loans to subprime borrowers

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	5	12.5	2	14.3	3	11.5
Near the midpoint	21	52.5	7	50.0	14	53.8
Somewhat tighter than the midpoint	5	12.5	1	7.1	4	15.4
Significantly tighter than the midpoint	4	10.0	2	14.3	2	7.7
Near the tightest level	5	12.5	2	14.3	3	11.5
Total	40	100	14	100	26	100

e. Consumer loans other than credit card and auto loans

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Near the easiest level	0	0.0	0	0.0	0	0.0
Significantly easier than the midpoint	0	0.0	0	0.0	0	0.0
Somewhat easier than the midpoint	7	12.7	4	16.0	3	10.0
Near the midpoint	42	76.4	16	64.0	26	86.7
Somewhat tighter than the midpoint	4	7.3	3	12.0	1	3.3
Significantly tighter than the midpoint	2	3.6	2	8.0	0	0.0
Near the tightest level	0	0.0	0	0.0	0	0.0
Total	55	100	25	100	30	100

Question 28 asks how your bank expects its lending standards for select categories of C&I, residential real estate, and consumer loans to change over the second half of 2022. Question 29 asks about the reasons why your bank expects lending standards to change.

28. Assuming that economic activity progresses in line with consensus forecasts, how does your bank expect its lending standards for the following loan categories to change over the second half of 2022 compared to its current standards, apart from normal seasonal variation? (Please refer to the definitions of large and middle-market firms suggested in question 1. If your bank defines firm size differently from the categories suggested in question 1, please use your definitions.)

A. Compared to my bank's current lending standards, over the second half of 2022, my bank expects its lending standards for approving applications for C&I loans or credit lines to large and middle-market firms to:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tighten considerably	0	0.0	0	0.0	0	0.0
Tighten somewhat	35	54.7	18	56.2	17	53.1
Remain basically unchanged	29	45.3	14	43.8	15	46.9
Ease somewhat	0	0.0	0	0.0	0	0.0
Ease considerably	0	0.0	0	0.0	0	0.0
Total	64	100	32	100	32	100

For this question, 1 respondent answered "My bank does not originate C&I loans or credit lines to large and middle-market firms"

B. Compared to my bank's current lending standards, over the second half of 2022, my bank expects its lending standards for approving applications for C&I loans or credit lines to small firms to:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tighten considerably	1	1.6	0	0.0	1	3.1
Tighten somewhat	30	48.4	12	40.0	18	56.2
Remain basically unchanged	31	50.0	18	60.0	13	40.6
Ease somewhat	0	0.0	0	0.0	0	0.0
Ease considerably	0	0.0	0	0.0	0	0.0
Total	62	100	30	100	32	100

For this question, 3 respondents answered "My bank does not originate C&I loans or credit lines to small firms"

C. Compared to my bank's current lending standards, over the second half of 2022, my bank expects its lending standards for approving applications for GSE-eligible residential mortgage loans to:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tighten considerably	0	0.0	0	0.0	0	0.0
Tighten somewhat	5	8.6	1	4.0	4	12.1
Remain basically unchanged	52	89.7	24	96.0	28	84.8
Ease somewhat	1	1.7	0	0.0	1	3.0
Ease considerably	0	0.0	0	0.0	0	0.0
Total	58	100	25	100	33	100

For this question, 9 respondents answered "My bank does not originate GSE-eligible residential mortgage loans"

D. Compared to my bank's current lending standards, over the second half of 2022, my bank expects its lending standards for approving applications for nonconforming jumbo residential mortgage loans to:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tighten considerably	0	0.0	0	0.0	0	0.0
Tighten somewhat	21	36.8	9	33.3	12	40.0
Remain basically unchanged	36	63.2	18	66.7	18	60.0
Ease somewhat	0	0.0	0	0.0	0	0.0
Ease considerably	0	0.0	0	0.0	0	0.0
Total	57	100	27	100	30	100

For this question, 10 respondents answered "My bank does not originate nonconforming jumbo residential mortgage loans"

E. Compared to my bank's current lending standards, over the second half of 2022, my bank expects its lending standards for approving applications for credit card loans to:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tighten considerably	1	2.1	1	3.7	0	0.0
Tighten somewhat	9	19.1	5	18.5	4	20.0
Remain basically unchanged	36	76.6	20	74.1	16	80.0
Ease somewhat	1	2.1	1	3.7	0	0.0
Ease considerably	0	0.0	0	0.0	0	0.0
Total	47	100	27	100	20	100

For this question, 18 respondents answered "My bank does not originate credit card loans"

F. Compared to my bank's current lending standards, over the second half of 2022, my bank expects its lending standards for approving applications for auto loans to:

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Tighten considerably	0	0.0	0	0.0	0	0.0
Tighten somewhat	8	15.4	3	14.3	5	16.1
Remain basically unchanged	43	82.7	17	81.0	26	83.9
Ease somewhat	1	1.9	1	4.8	0	0.0
Ease considerably	0	0.0	0	0.0	0	0.0
Total	52	100	21	100	31	100

For this question, 14 respondents answered "My bank does not originate auto loans"

29. If your bank expects to tighten or ease its lending standards for any of the loan categories reported in question 28, how important are the following possible reasons for the expected change in standards? (Please respond to either A, B or both as appropriate and rate each possible reason using the following scale: 1 = not important, 2 = somewhat important, 3 = very important.)

A. Possible reasons for expecting to tighten lending standards:

a. Expected deterioration in your bank's capital or liquidity position

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	38	90.5	19	86.4	19	95.0
Somewhat Important	3	7.1	2	9.1	1	5.0
Very Important	1	2.4	1	4.5	0	0.0
Total	42	100	22	100	20	100

b. Expected deterioration in customers' collateral values

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	6	14.3	4	18.2	2	10.0
Somewhat Important	32	76.2	16	72.7	16	80.0
Very Important	4	9.5	2	9.1	2	10.0
Total	42	100	22	100	20	100

c. Expected reduction in competition from other banks or nonbank lenders

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	37	88.1	18	81.8	19	95.0
Somewhat Important	4	9.5	3	13.6	1	5.0
Very Important	1	2.4	1	4.5	0	0.0
Total	42	100	22	100	20	100

d. Expected reduction in risk tolerance

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	12	28.6	4	18.2	8	40.0
Somewhat Important	25	59.5	15	68.2	10	50.0
Very Important	5	11.9	3	13.6	2	10.0
Total	42	100	22	100	20	100

e. Expected reduction in ease of selling loans in the secondary market

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	29	69.0	13	59.1	16	80.0
Somewhat Important	12	28.6	8	36.4	4	20.0
Very Important	1	2.4	1	4.5	0	0.0
Total	42	100	22	100	20	100

f. Expected deterioration in credit quality of loan portfolio

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	11	26.2	7	31.8	4	20.0
Somewhat Important	25	59.5	11	50.0	14	70.0
Very Important	6	14.3	4	18.2	2	10.0
Total	42	100	22	100	20	100

g. Increased concerns about the adverse effects of legislative changes, supervisory actions, or changes in accounting standards

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	24	57.1	17	77.3	7	35.0
Somewhat Important	17	40.5	5	22.7	12	60.0
Very Important	1	2.4	0	0.0	1	5.0
Total	42	100	22	100	20	100

h. Expected increase in your bank's exposure to interest rate risk due to higher inflation or inflation risk

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	20	47.6	12	54.5	8	40.0
Somewhat Important	20	47.6	10	45.5	10	50.0
Very Important	2	4.8	0	0.0	2	10.0
Total	42	100	22	100	20	100

i. Expected deterioration in borrowers' debt-servicing capacity due to higher inflation or inflation risk

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	0	0.0	0	0.0	0	0.0
Somewhat Important	18	42.9	8	36.4	10	50.0
Very Important	24	57.1	14	63.6	10	50.0
Total	42	100	22	100	20	100

j. Expected deterioration in counterparty risk related to the Russian invasion of Ukraine

	Banks	Percent	Banks	Percent	Banks	Percent
	All Respondents		Large Banks		Other Banks
Not Important	36	85.7	19	86.4	17	85.0
Somewhat Important	5	11.9	2	9.1	3	15.0
Very Important	1	2.4	1	4.5	0	0.0
Total	42	100	22	100	20	100

B. Possible reasons for expecting to ease lending standards:

a. Expected improvement in your bank's capital or liquidity position