---

# 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
|------ | ---------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------
|
|1990:2 | 56.9                                                                                     | 52.6                                                                                                             | 12.0                                                                                         
|1990:3 | 39.5                                                                                     | 33.9                                                                                                             | 25.9                                                                                         
|1990:4 | 48.9                                                                                     | 40.7                                                                                                             | 51.8                                                                                         
|1991:1 | 36.0                                                                                     | 31.6                                                                                                             | 59.0                                                                                         
|1991:2 | 15.5                                                                                     | 6.9                                                                                                              | 45.5                                                                                         
|1991:3 | 12.3                                                                                     | 8.7                                                                                                              | 31.3                                                                                         
|1991:4 | 9.0                                                                                      | 5.2                                                                                                              | 31.5                                                                                         
|1992:1 | 5.3                                                                                      | 0.0                                                                                                              | 11.4                                                                                         
|1992:2 | 0.9                                                                                      | -7.3                                                                                                             | 11.7                                                                                         
|1992:3 | -1.7                                                                                     | -1.7                                                                                                             | 0.0                                                                                          
|1992:4 | 4.4                                                                                      | -5.4                                                                                                             | -3.6                                                                                         
|1993:1 | 2.7                                                                                      | -1.8                                                                                                             | -0.9                                                                                         
|1993:2 | -7.9                                                                                     | -1.8                                                                                                             | -23.7                                                                                        
|1993:3 | -19.5                                                                                    | -11.7                                                                                                            | -39.4                                                                                        
|1993:4 | -17.8                                                                                    | -8.5                                                                                                             | -55.9                                                                                        
|1994:1 | -13.0                                                                                    | -12.3                                                                                                            | -46.6                                                                                        
|1994:2 | -12.2                                                                                    | -8.9                                                                                                             | -58.3                                                                                        
|1994:3 | -7.0                                                                                     | -7.0                                                                                                             | -52.2                                                                                        
|1994:4 | -17.4                                                                                    | -17.5                                                                                                            | -46.1                                                                                        
|1995:1 | -6.9                                                                                     | -5.3                                                                                                             | -44.5                                                                                        
|1995:2 | -5.9                                                                                     | -6.9                                                                                                             | -52.1                                                                                        
|1995:3 | -6.1                                                                                     | -1.8                                                                                                             | -45.7                                                                                        
|1995:4 | -3.5                                                                                     | -1.8                                                                                                             | -33.7                                                                                        
|1996:1 | 7.0                                                                                      | 3.5                                                                                                              | -30.7                                                                                        
|1996:2 | -0.9                                                                                     | 1.8                                                                                                              | -36.1                                                                                        
|1996:3 | -3.7                                                                                     | -1.9                                                                                                             | -28.8                                                                                        
|1996:4 | -7.8                                                                                     | -12.2                                                                                                            | -34.6                                                                                        
|1997:1 | -5.5                                                                                     | -5.3                                                                                                             | -33.3                                                                                        
|1997:2 | -7.0                                                                                     | -3.5                                                                                                             | -32.5                                                                                        
|1997:3 | -5.7                                                                                     | -1.9                                                                                                             | -38.5                                                                                        
|1997:4 | -7.0                                                                                     | -3.5                                                                                                             | -40.4                                                                                        
|1998:1 | 1.8                                                                                      | 1.9                                                                                                              | -25.4                                                                                        
|1998:2 | -7.1                                                                                     | -1.8                                                                                                             | -34.0                                                                                        
|1998:3 | 0.0                                                                                      | -5.2                                                                                                             | -14.3                                                                                        
|1998:4 | 36.4                                                                                     | 14.8                                                                                                             | 47.3                                                                                         
|1999:1 | 7.4                                                                                      | 3.7                                                                                                              | 31.4                                                                                         
|1999:2 | 10.0                                                                                     | 8.3                                                                                                              | 7.1                                                                                          
|1999:3 | 5.4                                                                                      | 1.9                                                                                                              | 21.5                                                                                         
|1999:4 | 9.1                                                                                      | 1.9                                                                                                              | 23.6                                                                                         
|2000:1 | 10.9                                                                                     | 9.4                                                                                                              | 25.0                                                                                         
|2000:2 | 24.6                                                                                     | 21.4                                                                                                             | 35.2                                                                                         
|2000:3 | 33.9                                                                                     | 23.6                                                                                                             | 35.8                                                                                         
|2000:4 | 43.8                                                                                     | 27.3                                                                                                             | 54.4                                                                                         
|2001:1 | 59.7                                                                                     | 45.4                                                                                                             | 57.1                                                                                         
|2001:2 | 50.9                                                                                     | 36.4                                                                                                             | 44.4                                                                                         
|2001:3 | 40.4                                                                                     | 31.6                                                                                                             | 50.8                                                                                         
|2001:4 | 50.9                                                                                     | 40.4                                                                                                             | 58.9                                                                                         
|2002:1 | 45.4                                                                                     | 41.8                                                                                                             | 40.0                                                                                         
|2002:2 | 25.0                                                                                     | 14.5                                                                                                             | 23.7                                                                                         
|2002:3 | 21.4                                                                                     | 5.5                                                                                                              | 41.1                                                                                         
|2002:4 | 20.0                                                                                     | 18.2                                                                                                             | 29.1                                                                                         
|2003:1 | 22.0                                                                                     | 13.8                                                                                                             | 27.1                                                                                         
|2003:2 | 8.9                                                                                      | 12.7                                                                                                             | 14.6                                                                                         
|2003:3 | 3.5                                                                                      | 3.5                                                                                                              | -12.3                                                                                        
|2003:4 | 0.0                                                                                      | -1.8                                                                                                             | -13.8                                                                                        
|2004:1 | -17.9                                                                                    | -10.9                                                                                                            | -26.8                                                                                        
|2004:2 | -22.8                                                                                    | -19.3                                                                                                            | -38.6                                                                                        
|2004:3 | -20.0                                                                                    | -3.7                                                                                                             | -30.8                                                                                        
|2004:4 | -21.1                                                                                    | -18.2                                                                                                            | -50.0                                                                                        
|2005:1 | -23.6                                                                                    | -12.9                                                                                                            | -45.5                                                                                        
|2005:2 | -24.1                                                                                    | -24.1                                                                                                            | -70.4                                                                                        
|2005:3 | -16.7                                                                                    | -11.1                                                                                                            | -46.3                                                                                        
|2005:4 | -8.8                                                                                     | -5.3                                                                                                             | -45.6                                                                                        
|2006:1 | -10.7                                                                                    | -7.1                                                                                                             | -42.5                                                                                        
|2006:2 | -12.3                                                                                    | -7.0                                                                                                             | -59.7                                                                                        
|2006:3 | -8.9                                                                                     | -1.8                                                                                                             | -41.8                                                                                        
|2006:4 | 0.0                                                                                      | -1.8                                                                                                             | -29.6                                                                                        
|2007:1 | 0.0                                                                                      | 5.3                                                                                                              | -44.6                                                                                        
|2007:2 | -3.7                                                                                     | 1.9                                                                                                              | -52.8                                                                                        
|2007:3 | 7.5                                                                                      | 7.7                                                                                                              | -32.1                                                                                        
|2007:4 | 19.2                                                                                     | 9.6                                                                                                              | 34.6                                                                                         
|2008:1 | 32.2                                                                                     | 30.4                                                                                                             | 43.6                                                                                         
|2008:2 | 55.4                                                                                     | 51.8                                                                                                             | 71.0                                                                                         
|2008:3 | 57.6                                                                                     | 65.3                                                                                                             | 80.8                                                                                         
|2008:4 | 83.6                                                                                     | 74.5                                                                                                             | 98.2                                                                                         
|2009:1 | 64.2                                                                                     | 69.2                                                                                                             | 92.5                                                                                         
|2009:2 | 39.6                                                                                     | 42.3                                                                                                             | 79.2                                                                                         
|2009:3 | 31.5                                                                                     | 34.0                                                                                                             | 59.3                                                                                         
|2009:4 | 14.0                                                                                     | 16.1                                                                                                             | 40.4                                                                                         
|2010:1 | -5.5                                                                                     | 3.7                                                                                                              | 9.1                                                                                          
|2010:2 | -7.1                                                                                     | 0.0                                                                                                              | -7.1                                                                                         
|2010:3 | -8.8                                                                                     | -9.1                                                                                                             | -49.1                                                                                        
|2010:4 | -10.5                                                                                    | -7.1                                                                                                             | -33.3                                                                                        
|2011:1 | -10.5                                                                                    | -1.9                                                                                                             | -47.4                                                                                        
|2011:2 | -16.4                                                                                    | -13.5                                                                                                            | -54.5                                                                                        
|2011:3 | -21.8                                                                                    | -7.8                                                                                                             | -54.5                                                                                        
|2011:4 | -5.9                                                                                     | -6.3                                                                                                             | -41.2                                                                                        
|2012:1 | 5.4                                                                                      | 1.9                                                                                                              | -46.4                                                                                        
|2012:2 | -6.9                                                                                     | -1.8                                                                                                             | -60.3                                                                                        
|2012:3 | -9.5                                                                                     | -4.9                                                                                                             | -60.3                                                                                        
|2012:4 | -7.6                                                                                     | -7.6                                                                                                             | -53.8                                                                                        
|2013:1 | -7.4                                                                                     | -7.7                                                                                                             | -54.4                                                                                        
|2013:2 | -19.1                                                                                    | -23.1                                                                                                            | -63.2                                                                                        
|2013:3 | -18.1                                                                                    | -10.0                                                                                                            | -62.5                                                                                        
|2013:4 | -8.3                                                                                     | -7.1                                                                                                             | -54.2                                                                                        
|2014:1 | -13.7                                                                                    | -4.2                                                                                                             | -58.3                                                                                        
|2014:2 | -11.1                                                                                    | -7.0                                                                                                             | -59.7                                                                                        
|2014:3 | -10.7                                                                                    | -8.3                                                                                                             | -58.7                                                                                        
|2014:4 | -10.5                                                                                    | -8.2                                                                                                             | -47.4                                                                                        
|2015:1 | -5.5                                                                                     | -5.7                                                                                                             | -35.6                                                                                        
|2015:2 | -5.3                                                                                     | -1.4                                                                                                             | -40.0                                                                                        
|2015:3 | -7.0                                                                                     | -6.0                                                                                                             | -42.9                                                                                        
|2015:4 | 7.4                                                                                      | 1.5                                                                                                              | -20.6                                                                                        
|2016:1 | 8.2                                                                                      | 4.2                                                                                                              | -16.7                                                                                        
|2016:2 | 11.6                                                                                     | 5.8                                                                                                              | -2.9                                                                                         

## 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                                                                                                         | n.a.                                                                                                                                         
|1995:3 | 3.0                                                                                                          | n.a.                                                                                                                                         
|1995:4 | 6.1                                                                                                          | n.a.                                                                                                                                         
|1996:1 | 13.3                                                                                                         | n.a.                                                                                                                                         
|1996:2 | 10.9                                                                                                         | n.a.                                                                                                                                         
|1996:3 | 5.7                                                                                                          | n.a.                                                                                                                                         
|1996:4 | -1.7                                                                                                         | n.a.                                                                                                                                         
|1997:1 | -1.8                                                                                                         | n.a.                                                                                                                                         
|1997:2 | -5.2                                                                                                         | n.a.                                                                                                                                         
|1997:3 | -11.4                                                                                                        | n.a.                                                                                                                                         
|1997:4 | -8.8                                                                                                         | n.a.                                                                                                                                         
|1998:1 | -7.2                                                                                                         | n.a.                                                                                                                                         
|1998:2 | -7.2                                                                                                         | n.a.                                                                                                                                         
|1998:3 | 0.0                                                                                                          | n.a.                                                                                                                                         
|1998:4 | 46.4                                                                                                         | n.a.                                                                                                                                         
|1999:1 | 14.8                                                                                                         | n.a.                                                                                                                                         
|1999:2 | 5.1                                                                                                          | n.a.                                                                                                                                         
|1999:3 | 8.9                                                                                                          | n.a.                                                                                                                                         
|1999:4 | 9.1                                                                                                          | n.a.                                                                                                                                         
|2000:1 | 10.9                                                                                                         | n.a.                                                                                                                                         
|2000:2 | 21.4                                                                                                         | n.a.                                                                                                                                         
|2000:3 | 32.1                                                                                                         | n.a.                                                                                                                                         
|2000:4 | 26.3                                                                                                         | n.a.                                                                                                                                         
|2001:1 | 44.6                                                                                                         | n.a.                                                                                                                                         
|2001:2 | 41.8                                                                                                         | n.a.                                                                                                                                         
|2001:3 | 42.6                                                                                                         | n.a.                                                                                                                                         
|2001:4 | 44.7                                                                                                         | n.a.                                                                                                                                         
|2002:1 | 46.3                                                                                                         | n.a.                                                                                                                                         
|2002:2 | 30.9                                                                                                         | n.a.                                                                                                                                         
|2002:3 | 25.5                                                                                                         | n.a.                                                                                                                                         
|2002:4 | 22.2                                                                                                         | n.a.                                                                                                                                         
|2003:1 | 13.6                                                                                                         | n.a.                                                                                                                                         
|2003:2 | 17.8                                                                                                         | n.a.                                                                                                                                         
|2003:3 | 13.8                                                                                                         | n.a.                                                                                                                                         
|2003:4 | 0.0                                                                                                          | n.a.                                                                                                                                         
|2004:1 | -5.5                                                                                                         | n.a.                                                                                                                                         
|2004:2 | -10.7                                                                                                        | n.a.                                                                                                                                         
|2004:3 | -8.9                                                                                                         | n.a.                                                                                                                                         
|2004:4 | -17.5                                                                                                        | n.a.                                                                                                                                         
|2005:1 | -23.7                                                                                                        | n.a.                                                                                                                                         
|2005:2 | -22.2                                                                                                        | n.a.                                                                                                                                         
|2005:3 | -12.9                                                                                                        | n.a.                                                                                                                                         
|2005:4 | -5.2                                                                                                         | n.a.                                                                                                                                         
|2006:1 | 1.8                                                                                                          | n.a.                                                                                                                                         
|2006:2 | 1.8                                                                                                          | n.a.                                                                                                                                         
|2006:3 | 10.7                                                                                                         | n.a.                                                                                                                                         
|2006:4 | 36.3                                                                                                         | n.a.                                                                                                                                         
|2007:1 | 26.3                                                                                                         | n.a.                                                                                                                                         
|2007:2 | 30.2                                                                                                         | n.a.                                                                                                                                         
|2007:3 | 25.0                                                                                                         | n.a.                                                                                                                                         
|2007:4 | 50.0                                                                                                         | n.a.                                                                                                                                         
|2008:1 | 80.3                                                                                                         | n.a.                                                                                                                                         
|2008:2 | 78.6                                                                                                         | n.a.                                                                                                                                         
|2008:3 | 80.7                                                                                                         | n.a.                                                                                                                                         
|2008:4 | 87.0                                                                                                         | n.a.                                                                                                                                         
|2009:1 | 79.2                                                                                                         | n.a.                                                                                                                                         
|2009:2 | 66.0                                                                                                         | n.a.                                                                                                                                         
|2009:3 | 46.3                                                                                                         | n.a.                                                                                                                                         
|2009:4 | 33.9                                                                                                         | n.a.                                                                                                                                         
|2010:1 | 27.3                                                                                                         | n.a.                                                                                                                                         
|2010:2 | 12.5                                                                                                         | n.a.                                                                                                                                         
|2010:3 | 5.3                                                                                                          | n.a.                                                                                                                                         
|2010:4 | 3.6                                                                                                          | n.a.                                                                                                                                         
|2011:1 | 0.0                                                                                                          | n.a.                                                                                                                                         
|2011:2 | -5.5                                                                                                         | n.a.                                                                                                                                         
|2011:3 | -5.5                                                                                                         | n.a.                                                                                                                                         
|2011:4 | -2.0                                                                                                         | n.a.                                                                                                                                         
|2012:1 | -1.8                                                                                                         | n.a.                                                                                                                                         
|2012:2 | -13.8                                                                                                        | n.a.                                                                                                                                         
|2012:3 | -10.9                                                                                                        | n.a.                                                                                                                                         
|2012:4 | -8.8                                                                                                         | n.a.                                                                                                                                         
|2013:1 | -13.4                                                                                                        | n.a.                                                                                                                                         
|2013:2 | -20.9                                                                                                        | n.a.                                                                                                                                         
|2013:3 | -19.2                                                                                                        | n.a.                                                                                                                                         
|2013:4 | n.a.                                                                                                         | -9.9                                                                                                                                         
|2014:1 | n.a.                                                                                                         | -8.1                                                                                                                                         
|2014:2 | n.a.                                                                                                         | -4.2                                                                                                                                         
|2014:3 | n.a.                                                                                                         | -9.6                                                                                                                                         
|2014:4 | n.a.                                                                                                         | -10.8                                                                                                                                        
|2015:1 | n.a.                                                                                                         | -2.8                                                                                                                                         
|2015:2 | n.a.                                                                                                         | -2.7                                                                                                                                         
|2015:3 | n.a.                                                                                                         | 1.4                                                                                                                                          
|2015:4 | n.a.                                                                                                         | 4.3                                                                                                                                          
|2016:1 | n.a.                                                                                                         | 12.7                                                                                                                                         
|2016:2 | n.a.                                                                                                         | 24.6                                                                                                                                         

## 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*
|------ | ---------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------
|
|1990:2 | n.a.                                                                                           | n.a.                                                                                               
|1990:3 | 8.7                                                                                            | n.a.                                                                                               
|1990:4 | 22.8                                                                                           | n.a.                                                                                               
|1991:1 | 32.7                                                                                           | n.a.                                                                                               
|1991:2 | 22.9                                                                                           | n.a.                                                                                               
|1991:3 | 12.5                                                                                           | n.a.                                                                                               
|1991:4 | 6.9                                                                                            | n.a.                                                                                               
|1992:1 | 3.5                                                                                            | n.a.                                                                                               
|1992:2 | 0.0                                                                                            | n.a.                                                                                               
|1992:3 | -1.8                                                                                           | n.a.                                                                                               
|1992:4 | -5.3                                                                                           | n.a.                                                                                               
|1993:1 | -3.6                                                                                           | n.a.                                                                                               
|1993:2 | 3.4                                                                                            | n.a.                                                                                               
|1993:3 | -11.7                                                                                          | n.a.                                                                                               
|1993:4 | -15.5                                                                                          | n.a.                                                                                               
|1994:1 | -5.5                                                                                           | n.a.                                                                                               
|1994:2 | -7.1                                                                                           | n.a.                                                                                               
|1994:3 | -5.5                                                                                           | n.a.                                                                                               
|1994:4 | -5.5                                                                                           | n.a.                                                                                               
|1995:1 | -1.8                                                                                           | n.a.                                                                                               
|1995:2 | -5.5                                                                                           | n.a.                                                                                               
|1995:3 | 0.0                                                                                            | n.a.                                                                                               
|1995:4 | 3.7                                                                                            | n.a.                                                                                               
|1996:1 | 0.0                                                                                            | n.a.                                                                                               
|1996:2 | -2.0                                                                                           | n.a.                                                                                               
|1996:3 | 4.0                                                                                            | n.a.                                                                                               
|1996:4 | 3.9                                                                                            | n.a.                                                                                               
|1997:1 | 3.8                                                                                            | n.a.                                                                                               
|1997:2 | -1.8                                                                                           | n.a.                                                                                               
|1997:3 | -2.0                                                                                           | n.a.                                                                                               
|1997:4 | 1.9                                                                                            | n.a.                                                                                               
|1998:1 | 0.0                                                                                            | n.a.                                                                                               
|1998:2 | -5.8                                                                                           | n.a.                                                                                               
|1998:3 | 0.0                                                                                            | n.a.                                                                                               
|1998:4 | -1.9                                                                                           | n.a.                                                                                               
|1999:1 | 2.0                                                                                            | n.a.                                                                                               
|1999:2 | 0.0                                                                                            | n.a.                                                                                               
|1999:3 | -1.9                                                                                           | n.a.                                                                                               
|1999:4 | -2.0                                                                                           | n.a.                                                                                               
|2000:1 | -1.9                                                                                           | n.a.                                                                                               
|2000:2 | -5.6                                                                                           | n.a.                                                                                               
|2000:3 | 0.0                                                                                            | n.a.                                                                                               
|2000:4 | 0.0                                                                                            | n.a.                                                                                               
|2001:1 | 0.0                                                                                            | n.a.                                                                                               
|2001:2 | 3.8                                                                                            | n.a.                                                                                               
|2001:3 | 3.8                                                                                            | n.a.                                                                                               
|2001:4 | 3.8                                                                                            | n.a.                                                                                               
|2002:1 | 1.9                                                                                            | n.a.                                                                                               
|2002:2 | 1.9                                                                                            | n.a.                                                                                               
|2002:3 | 3.9                                                                                            | n.a.                                                                                               
|2002:4 | 10.0                                                                                           | n.a.                                                                                               
|2003:1 | 11.1                                                                                           | n.a.                                                                                               
|2003:2 | 5.7                                                                                            | n.a.                                                                                               
|2003:3 | 1.9                                                                                            | n.a.                                                                                               
|2003:4 | 0.0                                                                                            | n.a.                                                                                               
|2004:1 | -1.9                                                                                           | n.a.                                                                                               
|2004:2 | -7.8                                                                                           | n.a.                                                                                               
|2004:3 | -5.8                                                                                           | n.a.                                                                                               
|2004:4 | 1.9                                                                                            | n.a.                                                                                               
|2005:1 | -7.8                                                                                           | n.a.                                                                                               
|2005:2 | -2.1                                                                                           | n.a.                                                                                               
|2005:3 | 0.0                                                                                            | n.a.                                                                                               
|2005:4 | -3.7                                                                                           | n.a.                                                                                               
|2006:1 | 0.0                                                                                            | n.a.                                                                                               
|2006:2 | -9.4                                                                                           | n.a.                                                                                               
|2006:3 | -9.3                                                                                           | n.a.                                                                                               
|2006:4 | 1.9                                                                                            | n.a.                                                                                               
|2007:1 | 16.4                                                                                           | n.a.                                                                                               
|2007:2 | n.a.                                                                                           | 15.1                                                                                               
|2007:3 | n.a.                                                                                           | 14.3                                                                                               
|2007:4 | n.a.                                                                                           | 40.8                                                                                               
|2008:1 | n.a.                                                                                           | 52.9                                                                                               
|2008:2 | n.a.                                                                                           | 62.3                                                                                               
|2008:3 | n.a.                                                                                           | 74.0                                                                                               
|2008:4 | n.a.                                                                                           | 69.2                                                                                               
|2009:1 | n.a.                                                                                           | 47.1                                                                                               
|2009:2 | n.a.                                                                                           | 49.0                                                                                               
|2009:3 | n.a.                                                                                           | 21.6                                                                                               
|2009:4 | n.a.                                                                                           | 24.1                                                                                               
|2010:1 | n.a.                                                                                           | 13.2                                                                                               
|2010:2 | n.a.                                                                                           | 1.9                                                                                                
|2010:3 | n.a.                                                                                           | -5.5                                                                                               
|2010:4 | n.a.                                                                                           | 9.3                                                                                                
|2011:1 | n.a.                                                                                           | 1.9                                                                                                
|2011:2 | n.a.                                                                                           | 0.0                                                                                                
|2011:3 | n.a.                                                                                           | -1.9                                                                                               
|2011:4 | n.a.                                                                                           | 0.0                                                                                                
|2012:1 | n.a.                                                                                           | -5.7                                                                                               
|2012:2 | n.a.                                                                                           | 1.9                                                                                                
|2012:3 | n.a.                                                                                           | 0.0                                                                                                
|2012:4 | n.a.                                                                                           | -1.6                                                                                               
|2013:1 | n.a.                                                                                           | -4.6                                                                                               
|2013:2 | n.a.                                                                                           | -7.8                                                                                               
|2013:3 | n.a.                                                                                           | -7.5                                                                                               
|2013:4 | n.a.                                                                                           | -8.7                                                                                               
|2014:1 | n.a.                                                                                           | 1.4                                                                                                
|2014:2 | n.a.                                                                                           | 1.4                                                                                                
|2014:3 | n.a.                                                                                           | -18.3                                                                                              
|2014:4 | n.a.                                                                                           | -11.1                                                                                              
|2015:1 | n.a.                                                                                           | n.a.                                                                                               
|2015:2 | n.a.                                                                                           | n.a.                                                                                               
|2015:3 | n.a.                                                                                           | n.a.                                                                                               
|2015:4 | n.a.                                                                                           | n.a.                                                                                               
|2016:1 | n.a.                                                                                           | n.a.                                                                                               
|2016:2 | n.a.                                                                                           | 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
|------ | ---------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------
|
|1982:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1982:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1982:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1983:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1983:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1983:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1983:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1984:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1984:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1984:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1984:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1985:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1985:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1985:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1985:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1986:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1986:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1986:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1986:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1987:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1987:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1987:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1987:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1988:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1988:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1988:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1988:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1989:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1989:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1989:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1989:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1990:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1990:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1990:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1990:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1991:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1991:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1991:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1991:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1992:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1992:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1992:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1992:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1993:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1993:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1993:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1993:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1994:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1994:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1994:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1994:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1995:1 | n.a.                                                                                           | n.a.                                                                                                                                                
|1995:2 | n.a.                                                                                           | n.a.                                                                                                                                                
|1995:3 | n.a.                                                                                           | n.a.                                                                                                                                                
|1995:4 | n.a.                                                                                           | n.a.                                                                                                                                                
|1996:1 | 25.0                                                                                           | 15.7                                                                                                                                                
|1996:2 | 23.5                                                                                           | 12.0                                                                                                                                                
|1996:3 | 48.9                                                                                           | 24.5                                                                                                                                                
|1996:4 | 48.8                                                                                           | 23.1                                                                                                                                                
|1997:1 | 36.9                                                                                           | 20.0                                                                                                                                                
|1997:2 | 45.9                                                                                           | 19.3                                                                                                                                                
|1997:3 | 23.3                                                                                           | 8.4                                                                                                                                                 
|1997:4 | 25.0                                                                                           | 12.0                                                                                                                                                
|1998:1 | 22.2                                                                                           | 16.3                                                                                                                                                
|1998:2 | 16.3                                                                                           | 6.1                                                                                                                                                 
|1998:3 | 20.0                                                                                           | 7.8                                                                                                                                                 
|1998:4 | 15.9                                                                                           | 8.0                                                                                                                                                 
|1999:1 | 7.4                                                                                            | -1.9                                                                                                                                                
|1999:2 | 13.3                                                                                           | 5.4                                                                                                                                                 
|1999:3 | 4.8                                                                                            | 5.6                                                                                                                                                 
|1999:4 | 4.9                                                                                            | 0.0                                                                                                                                                 
|2000:1 | 4.8                                                                                            | 3.9                                                                                                                                                 
|2000:2 | 2.5                                                                                            | 5.5                                                                                                                                                 
|2000:3 | -2.6                                                                                           | 3.7                                                                                                                                                 
|2000:4 | 8.3                                                                                            | 7.4                                                                                                                                                 
|2001:1 | 11.8                                                                                           | 18.6                                                                                                                                                
|2001:2 | 20.0                                                                                           | 18.9                                                                                                                                                
|2001:3 | 11.4                                                                                           | 9.1                                                                                                                                                 
|2001:4 | 20.0                                                                                           | 20.0                                                                                                                                                
|2002:1 | 18.2                                                                                           | 17.0                                                                                                                                                
|2002:2 | 8.6                                                                                            | 20.0                                                                                                                                                
|2002:3 | 14.7                                                                                           | 9.0                                                                                                                                                 
|2002:4 | 15.2                                                                                           | 14.8                                                                                                                                                
|2003:1 | 16.2                                                                                           | 8.8                                                                                                                                                 
|2003:2 | 9.7                                                                                            | 12.9                                                                                                                                                
|2003:3 | 0.0                                                                                            | 5.5                                                                                                                                                 
|2003:4 | 2.9                                                                                            | 1.8                                                                                                                                                 
|2004:1 | 6.3                                                                                            | 5.7                                                                                                                                                 
|2004:2 | 3.3                                                                                            | -2.0                                                                                                                                                
|2004:3 | 0.0                                                                                            | 0.0                                                                                                                                                 
|2004:4 | -2.9                                                                                           | -3.9                                                                                                                                                
|2005:1 | -3.0                                                                                           | -2.0                                                                                                                                                
|2005:2 | -8.3                                                                                           | -9.8                                                                                                                                                
|2005:3 | -6.5                                                                                           | -3.9                                                                                                                                                
|2005:4 | -3.0                                                                                           | -3.9                                                                                                                                                
|2006:1 | 3.2                                                                                            | 0.0                                                                                                                                                 
|2006:2 | -2.6                                                                                           | 1.8                                                                                                                                                 
|2006:3 | -3.0                                                                                           | -5.8                                                                                                                                                
|2006:4 | -3.0                                                                                           | -5.8                                                                                                                                                
|2007:1 | 0.0                                                                                            | 0.0                                                                                                                                                 
|2007:2 | -11.1                                                                                          | 7.8                                                                                                                                                 
|2007:3 | -3.2                                                                                           | 12.0                                                                                                                                                
|2007:4 | 3.2                                                                                            | 26.0                                                                                                                                                
|2008:1 | 9.7                                                                                            | 32.1                                                                                                                                                
|2008:2 | 32.4                                                                                           | 44.4                                                                                                                                                
|2008:3 | 66.6                                                                                           | 67.4                                                                                                                                                
|2008:4 | 58.8                                                                                           | 64.2                                                                                                                                                
|2009:1 | 58.8                                                                                           | 58.0                                                                                                                                                
|2009:2 | 58.1                                                                                           | 47.1                                                                                                                                                
|2009:3 | 35.3                                                                                           | 33.3                                                                                                                                                
|2009:4 | 15.8                                                                                           | 17.0                                                                                                                                                
|2010:1 | 2.8                                                                                            | 1.9                                                                                                                                                 
|2010:2 | 9.1                                                                                            | -6.0                                                                                                                                                
|2010:3 | -7.9                                                                                           | -13.2                                                                                                                                               
|2010:4 | -10.0                                                                                          | -5.5                                                                                                                                                
|2011:1 | -10.0                                                                                          | -3.7                                                                                                                                                
|2011:2 | -20.5                                                                                          | n.a.                                                                                                                                                
|2011:3 | -9.3                                                                                           | n.a.                                                                                                                                                
|2011:4 | -7.9                                                                                           | n.a.                                                                                                                                                
|2012:1 | -11.6                                                                                          | n.a.                                                                                                                                                
|2012:2 | -11.6                                                                                          | n.a.                                                                                                                                                
|2012:3 | -10.9                                                                                          | n.a.                                                                                                                                                
|2012:4 | -11.1                                                                                          | n.a.                                                                                                                                                
|2013:1 | -2.0                                                                                           | n.a.                                                                                                                                                
|2013:2 | -7.4                                                                                           | n.a.                                                                                                                                                
|2013:3 | -3.6                                                                                           | n.a.                                                                                                                                                
|2013:4 | -5.2                                                                                           | n.a.                                                                                                                                                
|2014:1 | -7.0                                                                                           | n.a.                                                                                                                                                
|2014:2 | -9.3                                                                                           | n.a.                                                                                                                                                
|2014:3 | -13.0                                                                                          | n.a.                                                                                                                                                
|2014:4 | -8.8                                                                                           | n.a.                                                                                                                                                
|2015:1 | -1.9                                                                                           | n.a.                                                                                                                                                
|2015:2 | -1.8                                                                                           | n.a.                                                                                                                                                
|2015:3 | -7.7                                                                                           | n.a.                                                                                                                                                
|2015:4 | -5.8                                                                                           | n.a.                                                                                                                                                
|2016:1 | -1.9                                                                                           | n.a.                                                                                                                                                
|2016:2 | -5.7                                                                                           | n.a.                                                                                                                                                

## Figure 4 (continued): Measures of Supply and Demand for Loans to
	    Households

|       | Panel 3:
		Net Percentage of Domestic Respondents Reporting 
		Stronger Demand for Consumer Loans***
|------ | ------------------------------------------------------------------------------------------------------
|
|1990:2 | n.a.                                                                                                  
|1990:3 | n.a.                                                                                                  
|1990:4 | n.a.                                                                                                  
|1991:1 | n.a.                                                                                                  
|1991:2 | n.a.                                                                                                  
|1991:3 | n.a.                                                                                                  
|1991:4 | -28.1                                                                                                 
|1992:1 | -30.3                                                                                                 
|1992:2 | 22.2                                                                                                  
|1992:3 | 14.3                                                                                                  
|1992:4 | 14.5                                                                                                  
|1993:1 | 1.8                                                                                                   
|1993:2 | 10.7                                                                                                  
|1993:3 | 22.4                                                                                                  
|1993:4 | 28.1                                                                                                  
|1994:1 | 24.5                                                                                                  
|1994:2 | 37.5                                                                                                  
|1994:3 | 16.1                                                                                                  
|1994:4 | 0.0                                                                                                   
|1995:1 | -3.6                                                                                                  
|1995:2 | -7.3                                                                                                  
|1995:3 | 24.0                                                                                                  
|1995:4 | 5.5                                                                                                   
|1996:1 | -7.7                                                                                                  
|1996:2 | 12.0                                                                                                  
|1996:3 | 2.0                                                                                                   
|1996:4 | -9.8                                                                                                  
|1997:1 | -15.6                                                                                                 
|1997:2 | -15.1                                                                                                 
|1997:3 | -10.4                                                                                                 
|1997:4 | -4.0                                                                                                  
|1998:1 | 4.0                                                                                                   
|1998:2 | 9.8                                                                                                   
|1998:3 | 0.0                                                                                                   
|1998:4 | -8.0                                                                                                  
|1999:1 | 3.9                                                                                                   
|1999:2 | 16.7                                                                                                  
|1999:3 | 11.4                                                                                                  
|1999:4 | -7.9                                                                                                  
|2000:1 | -9.6                                                                                                  
|2000:2 | -22.2                                                                                                 
|2000:3 | -9.3                                                                                                  
|2000:4 | -12.8                                                                                                 
|2001:1 | -35.8                                                                                                 
|2001:2 | 9.7                                                                                                   
|2001:3 | 5.4                                                                                                   
|2001:4 | -23.6                                                                                                 
|2002:1 | -3.8                                                                                                  
|2002:2 | 3.8                                                                                                   
|2002:3 | -3.7                                                                                                  
|2002:4 | -5.6                                                                                                  
|2003:1 | 3.5                                                                                                   
|2003:2 | -1.9                                                                                                  
|2003:3 | 32.7                                                                                                  
|2003:4 | 3.6                                                                                                   
|2004:1 | -13.2                                                                                                 
|2004:2 | 18.9                                                                                                  
|2004:3 | -11.5                                                                                                 
|2004:4 | -29.6                                                                                                 
|2005:1 | -26.9                                                                                                 
|2005:2 | -19.6                                                                                                 
|2005:3 | 9.8                                                                                                   
|2005:4 | -20.8                                                                                                 
|2006:1 | -28.8                                                                                                 
|2006:2 | -27.3                                                                                                 
|2006:3 | -37.8                                                                                                 
|2006:4 | -43.4                                                                                                 
|2007:1 | -32.7                                                                                                 
|2007:2 | -24.0                                                                                                 
|2007:3 | -22.4                                                                                                 
|2007:4 | -26.5                                                                                                 
|2008:1 | -35.8                                                                                                 
|2008:2 | -18.1                                                                                                 
|2008:3 | -30.0                                                                                                 
|2008:4 | -48.1                                                                                                 
|2009:1 | -47.1                                                                                                 
|2009:2 | -17.6                                                                                                 
|2009:3 | -21.2                                                                                                 
|2009:4 | -24.5                                                                                                 
|2010:1 | -33.3                                                                                                 
|2010:2 | -17.3                                                                                                 
|2010:3 | -7.5                                                                                                  
|2010:4 | -5.6                                                                                                  
|2011:1 | 5.6                                                                                                   
|2011:2 | n.a.                                                                                                  
|2011:3 | n.a.                                                                                                  
|2011:4 | n.a.                                                                                                  
|2012:1 | n.a.                                                                                                  
|2012:2 | n.a.                                                                                                  
|2012:3 | n.a.                                                                                                  
|2012:4 | n.a.                                                                                                  
|2013:1 | n.a.                                                                                                  
|2013:2 | n.a.                                                                                                  
|2013:3 | n.a.                                                                                                  
|2013:4 | n.a.                                                                                                  
|2014:1 | n.a.                                                                                                  
|2014:2 | n.a.                                                                                                  
|2014:3 | n.a.                                                                                                  
|2014:4 | n.a.                                                                                                  
|2015:1 | n.a.                                                                                                  
|2015:2 | n.a.                                                                                                  
|2015:3 | n.a.                                                                                                  
|2015:4 | n.a.                                                                                                  
|2016:1 | n.a.                                                                                                  
|2016:2 | n.a.                                                                                                  



---





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