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Small Businesses: Difference between revisions
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=== Senior Loan Officer Opinion Survey === | === Senior Loan Officer Opinion Survey === | ||
Small firms are those with annual sales of less than $50 million. | |||
=== Q1 2023 === | ==== Q1 2023 ==== | ||
<ref>https://www.federalreserve.gov/data/documents/sloos-202304-fullreport.pdf</ref> | |||
===== Standards for small firms (annual sales of less than $50 million) ===== | |||
{| class="wikitable" | |||
! rowspan="2" | | |||
! colspan="2" |All Respondents | |||
! colspan="2" |Large Banks | |||
! colspan="2" |Other Banks | |||
|- | |||
!Banks | |||
!Percent | |||
!Banks | |||
!Percent | |||
!Banks | |||
!Percent | |||
|- | |||
!Tightened considerably | |||
|2 | |||
|3.3 | |||
|0 | |||
|0.0 | |||
|2 | |||
|6.7 | |||
|- | |||
!Tightened somewhat | |||
|27 | |||
|45.0 | |||
|16 | |||
|53.3 | |||
|11 | |||
|36.7 | |||
|- | |||
!Remained basically unchanged | |||
|30 | |||
|50.0 | |||
|14 | |||
|46.7 | |||
|16 | |||
|53.3 | |||
|- | |||
!Eased somewhat | |||
|1 | |||
|1.7 | |||
|0 | |||
|0.0 | |||
|1 | |||
|3.3 | |||
|- | |||
!Eased considerably | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|- | |||
!Total | |||
|60 | |||
|100 | |||
|30 | |||
|100 | |||
|30 | |||
|100 | |||
|} | |||
===== Demand for C&I loans from small firms (annual sales of less than $50 million) ===== | |||
{| class="wikitable" | |||
! colspan="2" rowspan="2" | | |||
! colspan="3" |All Respondents | |||
! colspan="2" |Large Banks | |||
! colspan="2" |Other Banks | |||
|- | |||
! colspan="2" |Banks | |||
!Percent | |||
!Banks | |||
!Percent | |||
!Banks | |||
!Percent | |||
|- | |||
! colspan="2" |Substantially stronger | |||
| colspan="2" |0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|- | |||
! colspan="2" |Moderately stronger | |||
| colspan="2" |5 | |||
|8.3 | |||
|3 | |||
|10.0 | |||
|2 | |||
|6.7 | |||
|- | |||
! colspan="2" |About the same | |||
| colspan="2" |18 | |||
|30.0 | |||
|10 | |||
|33.3 | |||
|8 | |||
|26.7 | |||
|- | |||
! colspan="2" |Moderately weaker | |||
| colspan="2" |34 | |||
|56.7 | |||
|17 | |||
|56.7 | |||
|17 | |||
|56.7 | |||
|- | |||
! colspan="2" |Substantially weaker | |||
| colspan="2" |3 | |||
|5.0 | |||
|0 | |||
|0.0 | |||
|3 | |||
|10.0 | |||
|- | |||
! colspan="2" |Total | |||
| colspan="2" |60 | |||
|100 | |||
|30 | |||
|100 | |||
|30 | |||
|100 | |||
|} | |||
===== Future Expectations C&I loans orcredit lines to small firms ===== | |||
{| class="wikitable" | |||
! rowspan="2" | | |||
! colspan="2" |All Respondents | |||
! colspan="2" |Large Banks | |||
! colspan="2" |Other Banks | |||
|- | |||
!Banks | |||
!Percent | |||
!Banks | |||
!Percent | |||
!Banks | |||
!Percent | |||
|- | |||
!Tighten considerably | |||
|2 | |||
|3.4 | |||
|0 | |||
|0.0 | |||
|2 | |||
|7.1 | |||
|- | |||
!Tighten somewhat | |||
|29 | |||
|49.2 | |||
|14 | |||
|45.2 | |||
|15 | |||
|53.6 | |||
|- | |||
!Remain basically unchanged | |||
|28 | |||
|47.5 | |||
|17 | |||
|54.8 | |||
|11 | |||
|39.3 | |||
|- | |||
!Ease somewhat | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|- | |||
!Ease considerably | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|0 | |||
|0.0 | |||
|- | |||
!Total | |||
|59 | |||
|100 | |||
|31 | |||
|100 | |||
|28 | |||
|100 | |||
|} | |||
== Past Recessions == | == Past Recessions == | ||