Measures of Supply and Demand for Commercial and ...

Measures of Supply and Demand for Commercial and Industrial Loans, by Size of Firm Seeking Loan

Net Percentage of Domestic Respondents Tightening Standards for Commercial and Industrial Loans

Loans to large and middle-market firms Loans to small firms

Oct. survey

Percent 100

80

60

40

20

0

-20

-40 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016

Net Percentage of Domestic Respondents Increasing Spreads of Loan Rates over Bank's Cost of Funds

Oct. survey

Percent 100

80

60

40

20

0

-20

-40

-60

-80 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016

Net Percentage of Domestic Respondents Reporting Stronger Demand for Commercial and Industrial Loans

Percent 60

Oct. survey

40

20

0

-20

-40

-60

-80 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016

Measures of Supply and Demand for Commercial Real Estate Loans

Net Percentage of Domestic Respondents Tightening Standards for Commercial Real Estate Loans

Percent 100

Percent 100

All commercial real estate loans 80

Construction and land development Nonfarm nonresidential Multifamily

80

60

60

40

40

20

20

0

0

-20

-20

1993

1997

2001

2005

2009

2013

Q4 2013

Q2 Q4 2014

Q2 Q4 Q2

2015

2016

Net Percentage of Domestic Respondents Reporting Stronger Demand for Commercial Real Estate Loans

Percent

Percent

60

60

40

40

20

20

0

0

-20

-20

-40

-40

-60 All commercial real estate loans

-60

Construction and land development Nonfarm nonresidential Multifamily

-80

-80

1993

1997

2001

2005

2009

2013

Q4 Q2 Q4 Q2 Q4 Q2

2013

2014

2015

2016

Note: For data starting in 2013:Q4, changes in demand for construction and land development, nonfarm nonresidential, and multifamily loans are reported separately.

Measures of Supply and Demand for Residential Mortgage Loans

Net Percentage of Domestic Respondents Tightening Standards for Residential Mortgage Loans

Percent 100

Net percent 80

All residential mortgage loans

Prime

80

Nontraditional Subprime

60

GSE

Government

60

QM non-jumbo non-GSE

QM-jumbo

Non-QM jumbo

40

Non-QM non-jumbo

Subprime

20

40 0

20

-20

0

-40

-60 -20

1990 1993 1996 1999 2002 2005 2008 2011 2014

-80

Q1

Q2

Q3

Q4

Q1

2015

Net Percentage of Domestic Respondents Reporting Stronger Demand for Residential Mortgage Loans

Percent

Net percent

80

80

All residential mortgage loans

Prime

Nontraditional

60

Subprime

60

40

20

0

-20

-40

-60

-80

-100

1990

1994

1998

2002

2006

2010

2014

40

20

0

-20

GSE

Government

QM non-jumbo non-GSE

-40

QM-jumbo

Non-QM jumbo

Non-QM non-jumbo

-60

Subprime

-80

Q1

Q2

Q3

Q4

Q1

2015

Note: For data starting in 2007:Q2, changes in standards and demand for prime, nontraditional, and subprime mortgage loans are reported separately. For data starting in 2014:Q4, changes in standards and demand were expanded into the following seven categories: GSE-eligible; government; QM non-jumbo non-GSE-eligible; QM-jumbo; non-QM jumbo; non-QM non-jumbo; and subprime. Series are not reported when the number of respondents is three or fewer.

Measures of Supply and Demand for Consumer Loans

Net Percentage of Domestic Respondents Tightening Standards for Consumer Loans

Percent 100

80

Credit card loans

Other consumer loans

60

Percent

100

Credit card loans

Auto loans Other consumer loans

80

60

40

40

20

20

0

0

-20

-20

-40

-40

1991 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011

2011

2013

2015

Note: For data starting in 2011:Q2, changes in standards for auto loans and consumer loans excluding credit card and auto loans are reported separately. In 2011:Q2 only, new and used auto loans are reported separately and equally weighted to calculate the auto loans series.

Net Percentage of Domestic Respondents Reporting Increased Willingness to Make Consumer Installment Loans

Percent 60

Oct.

survey

40

20

0

-20

-40

-60 1984 1986 1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016

Net Percentage of Domestic Respondents Reporting Stronger Demand for Consumer Loans

Percent 100

80

All consumer loans

Percent

100

Credit card loans

Auto loans

80

Other consumer loans

60

60

40

40

20

20

0

0

-20

-20

-40

-40

-60

-60

1991 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011

2011

2013

2015

Note: For data starting in 2011:Q2, changes in demand for credit card loans, auto loans, and consumer loans excluding credit card and auto loans are reported separately.

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