|
|
Publications:
Commercial Underwriting Trends by Product Type
(Percent of Banks)
|
2002 |
2003 |
2004 |
2005 |
2006 |
| Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
Eased |
Unchanged |
Tightened |
| Agriculture Loans |
0
|
70
|
30
|
0
|
67
|
33
|
0
|
93
|
7
|
0
|
93
|
7
|
5
|
95
|
0
|
| Asset-Based Loans |
3
|
66
|
31
|
0
|
58
|
42
|
16
|
71
|
13
|
30
|
67
|
3
|
30
|
57
|
13
|
| CRE Commercial Construction |
0
|
52
|
48
|
2
|
61
|
37
|
10
|
75
|
15
|
29
|
63
|
8
|
32
|
56
|
12
|
| CRE Residential Construction |
N/A
|
N/A
|
N/A
|
0
|
76
|
24
|
5
|
85
|
9
|
21
|
72
|
7
|
25
|
64
|
11
|
| CRE Other |
N/A
|
N/A
|
N/A
|
5
|
71
|
24
|
8
|
83
|
9
|
24
|
65
|
11
|
32
|
60
|
8
|
| International Loans |
11
|
61
|
24
|
6
|
56
|
39
|
11
|
61
|
28
|
27
|
73
|
0
|
30
|
70
|
0
|
| Middle Market |
0
|
60
|
40
|
6
|
63
|
31
|
14
|
80
|
5
|
28
|
67
|
6
|
31
|
66
|
3
|
| Small Business |
2
|
66
|
32
|
4
|
65
|
31
|
11
|
74
|
15
|
13
|
81
|
6
|
19
|
76
|
5
|
| Leveraged Loans |
0
|
44
|
56
|
0
|
48
|
52
|
15
|
85
|
0
|
32
|
68
|
0
|
61
|
31
|
8
|
| Large Corporate |
0
|
45
|
55
|
3
|
49
|
49
|
17
|
67
|
17
|
32
|
68
|
0
|
49
|
51
|
0
|
| Commercial Leasing |
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
12
|
76
|
12
|
|
|
