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Senior Loan Officer Opinion Survey on Bank Lending Practices, Release Date: 2024-02-05

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Name
Senior Loan Officer Opinion Survey on Bank Lending Practices

Link
http://www.federalreserve.gov/boarddocs/SnLoanSurvey/

Source
Board of Governors of the Federal Reserve System (US)

Notes
For further information, please refer to the Board of Governors of the Federal Reserve System's Senior Loan Officer Opinion Survey on Bank Lending Practices release, online at http://www.federalreserve.gov/boarddocs/SnLoanSurvey/. For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/data/SLOOS% For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

639 Series Revisions

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Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSGNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Number of Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 8.0

Number of Foreign Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRELSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 2.0

Net Percentage of Domestic Banks Reducing the Maximum Size of Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -2.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSGVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Domestic Banks Increasing the Use of Interest Rate Floors for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTFNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.7

Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Accounts Receivable Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSANOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Merger or Acquisition Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWMSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 4.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing from Other Bank or Nonbank Sources Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSSSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Other Domestic Banks Tightening Standards for GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSEOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 8.1

Number of Foreign Banks That Eased and Reported That More Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIREONNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2021 0.0

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -46.7

Number of Large Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREIVLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Net Percentage of Other Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 31.3

Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSMSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Net Percentage of Large Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

Number of Other Domestic Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREDSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 1.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Accounts Receivable Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWASNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 1.0

Number of Other Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREIVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Other Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREINOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Number of Other Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREISOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Net Percentage of Other Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSJOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 20.6

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWPVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 0.0

Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRELVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWGVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial and Industrial Loans to Commercial Real Estate Loans Was a Somewhat Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCIRWRSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 0.0

Number of Foreign Banks That Eased and Reported That More Favorable Economic Outlook Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIREOSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2021 0.0

Net Percentage of Large Domestic Banks Increasing Premiums Charged on Riskier Loans for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 33.3

Number of Foreign Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRECVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 0.0

Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSMNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Investment in Plant or Equipment Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSESOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customers' Precautionary Demand for Cash and Liquidity Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSPSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 2.0

Number of Other Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREOVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSGSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Inventory Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 3.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSGNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Number of Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRESSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Foreign Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTDSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 0.0

Number of Domestic Banks That Tightened and Reported That Current or Expected Liquidity Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTLNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 14.0

Net Percentage of Other Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.0

Number of Foreign Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIREIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q2 2021 0.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Accounts Receivable Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSANNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 3.0

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Merger or Acquisition Financing Needs Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWMVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 2.0

Net Percentage of Other Domestic Banks Increasing the Cost of Credit Lines to Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTCOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 30.0

Number of Large Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTONLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 2.0

Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSMSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Investment in Plant or Equipment Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWENNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 1.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSMVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDGOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -50.0