| Commercial loan pricing has eased more than underwriting conditions, and overall conditions are still very accomodative. | |||||
| Year | Quarter | Tightening standards for small/medium borrowers | Tightening standards for Large borrowers | Increasing spreads to small/medium borrowers | Increasing spreads to large borrowers |
|---|---|---|---|---|---|
| 2000 | 1 | 9.4 | 10.9 | 10.0 | 25.0 |
| 2000 | 2 | 21.4 | 24.6 | 16.0 | 35.2 |
| 2000 | 3 | 23.6 | 33.9 | 25.4 | 35.8 |
| 2000 | 4 | 27.3 | 43.8 | 26.9 | 54.4 |
| 2001 | 1 | 45.4 | 59.7 | 28.9 | 57.1 |
| 2001 | 2 | 36.4 | 50.9 | 22.3 | 44.4 |
| 2001 | 3 | 31.6 | 40.4 | 38.2 | 50.8 |
| 2001 | 4 | 40.4 | 50.9 | 41.8 | 58.9 |
| 2002 | 1 | 41.8 | 45.4 | 36.4 | 40.0 |
| 2002 | 2 | 14.5 | 25.0 | 13.2 | 23.7 |
| 2002 | 3 | 5.5 | 21.4 | 20.0 | 41.1 |
| 2002 | 4 | 18.2 | 20.0 | 14.8 | 29.1 |
| 2003 | 1 | 13.8 | 22.0 | 15.5 | 27.1 |
| 2003 | 2 | 12.7 | 8.9 | 11.1 | 14.6 |
| 2003 | 3 | 3.5 | 3.5 | -3.6 | -12.3 |
| 2003 | 4 | -1.8 | 0.0 | -10.5 | -13.8 |
| 2004 | 1 | -10.9 | -17.9 | -16.7 | -26.8 |
| 2004 | 2 | -19.6 | -23.2 | -25.9 | -39.3 |
| 2004 | 3 | -3.7 | -20.0 | -29.1 | -30.8 |
| 2004 | 4 | -18.2 | -21.1 | -38.2 | -50.0 |
| 2005 | 1 | -12.9 | -23.6 | -26.0 | -45.5 |
| 2005 | 2 | -24.1 | -24.1 | -54.7 | -70.4 |
| 2005 | 3 | -11.1 | -16.7 | -37.7 | -46.3 |
| 2005 | 4 | -5.3 | -8.8 | -36.8 | -45.6 |
| 2006 | 1 | -7.1 | -10.7 | -33.4 | -42.5 |
| 2006 | 2 | -7.0 | -12.3 | -45.6 | -59.7 |
| Source: Federal Reserve Senior Loan Officer Survey on Bank Lending Practices |