Special Questions
Special Questions
For this survey, respondents were asked supplemental questions about deposits, credit standards, commercial real estate lending and liquidity. Data were collected March 19-27, and 68 bankers responded to the survey.
Jun. '23 (percent) |
Aug. '23 (percent) |
Sep. '23 (percent) |
Dec. '23 (percent) |
Feb. '24 (percent) |
Mar. '24 (percent) |
|
Increased significantly | 0.0 | 3.0 | 4.6 | 4.8 | 27.3 | 2.9 |
Increased slightly | 26.2 | 31.3 | 27.7 | 36.5 | 3.0 | 45.6 |
No change | 23.0 | 20.9 | 20.0 | 25.4 | 25.8 | 26.5 |
Decreased slightly | 45.9 | 41.8 | 41.5 | 31.7 | 42.4 | 23.5 |
Decreased significantly | 4.9 | 3.0 | 6.2 | 1.6 | 1.5 | 1.5 |
NOTE: 68 responses.
Jun. '23 (percent) |
Aug. '23 (percent) |
Sep. '23 (percent) |
Dec. '23 (percent) |
Feb. '24 (percent) |
Mar. '24 (percent) |
|
Increase significantly | 1.6 | 3.0 | 1.5 | 7.9 | 42.4 | 1.5 |
Increase slightly | 30.6 | 35.8 | 41.5 | 49.2 | 6.1 | 41.2 |
No change | 33.9 | 34.3 | 30.8 | 28.6 | 25.8 | 29.4 |
Decrease slightly | 33.9 | 26.9 | 23.1 | 14.3 | 25.8 | 27.9 |
Decrease significantly | 0.0 | 0.0 | 3.1 | 0.0 | 0.0 | 0.0 |
NOTE: 68 responses.
Ease considerably (percent) |
Ease somewhat (percent) |
Remain unchanged (percent) |
Tighten somewhat (percent) |
Tighten considerably (percent) |
|
Commercial and industrial | 0.0 | 0.0 | 72.3 | 26.2 | 1.5 |
Commercial real estate | 0.0 | 0.0 | 66.7 | 28.8 | 4.5 |
Residential real estate | 0.0 | 3.0 | 90.9 | 6.1 | 0.0 |
Consumer | 0.0 | 0.0 | 89.4 | 10.6 | 0.0 |
NOTES: 66 responses. This question was also posed in Aug '23, Sep '23 and Dec. '23.
Ease considerably (percent) |
Ease somewhat (percent) |
Remain unchanged (percent) |
Tighten somewhat (percent) |
Tighten considerably (percent) |
|
Construction and land development | 0.0 | 1.5 | 56.9 | 35.4 | 6.2 |
Industrial | 0.0 | 3.1 | 75.4 | 16.9 | 4.6 |
Retail | 0.0 | 1.5 | 70.8 | 24.6 | 3.1 |
Multifamily | 0.0 | 1.5 | 63.1 | 27.7 | 7.7 |
Office | 0.0 | 1.5 | 56.9 | 21.5 | 20.0 |
Hotels/lodging | 0.0 | 1.6 | 60.3 | 25.4 | 12.7 |
Other | 0.0 | 1.7 | 84.5 | 10.3 | 3.4 |
NOTES: 65 responses. This question was also posed in Sep '23 and Dec. '23.
Mar. '24 (percent) |
|
Not at all | 43.8 |
Some extent | 50.0 |
Large extent | 6.3 |
NOTES: 64 responses. A question about previous usage was posed in Dec. ’23.
Mar. '24 (percent) |
|
1 (not concerned at all) | 25.0 |
2 | 14.1 |
3 | 25.0 |
4 | 14.1 |
5 (extremely concerned) | 21.9 |
NOTE: 64 responses.
Median | Mode | Range | |
Mar. '24 | 4.75-5.0 | 4.75-5.0 | 0.25-5.5 |
NOTE: 61 responses.
Decreased considerably (percent) |
Decreased somewhat (percent) |
Remain unchanged (percent) |
Increased somewhat (percent) |
Increased considerably (percent) |
|
Commercial and industrial | 0.0 | 3.1 | 76.6 | 18.8 | 1.6 |
Commercial real estate | 0.0 | 4.7 | 62.5 | 28.1 | 4.7 |
Residential real estate | 0.0 | 3.1 | 86.2 | 10.8 | 0.0 |
Consumer – Auto | 0.0 | 3.0 | 80.3 | 15.2 | 1.5 |
Consumer – Credit Cards | 0.0 | 1.6 | 87.5 | 9.4 | 1.6 |
Consumer – Other | 0.0 | 1.5 | 78.5 | 18.5 | 1.5 |
NOTE: 66 responses.
Special Questions Comments
These comments have been edited for publication.
- Regarding Federal Home Loan Bank (FHLB) liquidity, with the end of the Bank Term Funding Program, having multiple options in the marketplace is critical, particularly given the differences in access procedures, collateral and term of products available. Whenever the next crisis presents itself, having more, not fewer, options is of great importance.
- FHLB access is only a concern in the fact that Federal Reserve Bank (FRB) systems are antiquated and not user-friendly or fast. Also, the “stigma” of borrowing from the FRB is a big concern, even though people say it's not. It is.
Questions regarding the Banking Conditions Survey can be addressed to Mariam Yousuf at mariam.yousuf@dal.frb.org.
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