Attachment B - SBLS 2022 Draft Survey Instrument_final

FDIC

Small Business Lending Survey 2022 - V0 (For Census Review)

October 14, 2020

Federal Deposit Insurance Corporation
Small Business Lending Survey 2022
Draft Instrument
Screeners
Screener1. For calendar year 2021, do the core data systems of your bank have the ability to retrieve the
number and dollar volume of new loan originations and renewals, by purpose (e.g. Commercial &
Industrial (C&I), Commercial Real Estate (CRE), or Consumer), separately from collateral? N/Y
Screener2.1 For calendar year 2021, do the core data systems of your bank have the ability to retrieve the
number and dollar volume of new loan originations and renewals, by specific loan products that your
bank offers (e.g. a credit card product, products that use automated or algorithm-based decisionmaking, or a Small Business Administration loan product)? N/Y
Screener3. For calendar year 2021, do the core data systems of your bank have the ability to retrieve the
number and dollar volume of new loan originations and renewals for your bank’s C&I lending, made to
firms with $1 million or less in gross annual revenue? N/Y
Screener4. For calendar year 2021, do the core data systems of your bank have the ability to retrieve the
number and dollar volume of new loan originations and renewals for your bank’s C&I lending, by firm
gross annual revenue, for any sized firm? N/Y
Screener5. As of Call Report date ______, do the core data systems of your bank have the ability to
retrieve the number and dollar volume of outstanding loan balances for your bank’s C&I lending, made
to firms with $1 million or less in gross annual revenue? N/Y
Screener6. As of Call Report date ______, do the core data systems of your bank have the ability to
retrieve the number and dollar volume of outstanding loan balances for your bank’s C&I lending, by firm
gross annual revenue, for any sized firm? N/Y
Screener7. Does your bank have multiple divisions that independently make originations to small
business borrowers such that the characteristics of the borrower (e.g. firm size), loan (e.g. loan size), or
other features (e.g. product type) determine which division handles the processing? N/Y

I.

Underwriting and Loan Processes

As you complete this section of the survey on behalf of your bank, please keep this definition of
commercial and industrial (C&I) loans in mind as you answer questions.
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Small Business Lending Survey 2022 - V0 (For Census Review)

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For the purposes of this survey, commercial and industrial loans are loans to fund C&I activity, regardless
of the collateral used to secure the loan. Specifically, please …
Include:
 Unsecured loans for C&I purposes
 Loans for C&I purposes, primarily secured by commercial real estate, including both owneroccupied and non-owner occupied CRE
 Loans for C&I purposes, primarily secured by multi-family residential properties
 Loans for C&I purposes, primarily secured by 1-4 family residential properties
 Loans for C&I purposes, primarily secured by non-real estate assets (e.g. secured by
 inventory)
Exclude:
 Loans for the improvement, purchase, or refinancing of commercial real estate,
including both owner-occupied and non-owner-occupied
 Loans for the improvement, purchase, or refinancing of multi-family real estate
 Loans for the purchase of 1-4 family residential properties by investors
 All agricultural loans
[If Screener7=Y, add: Since your bank has multiple divisions that engage in small business C&I lending
activity, please consider the division within your bank that generates the largest volume of C&I lending to
businesses your bank considers small, outside of credit card-only divisions, when answering this section.]
In general, please answer these questions in relation to C&I activity outside of credit card originations.

A. Small Business Lending at Your Bank
IA.1 Do you consider your bank to be a small business C&I lender? This means small business C&I loans
are currently an active portion of your bank’s loan portfolio. N/Y [NEW]
IA.2 Think about all of the loans made by your bank for C&I purposes in calendar year 2021. Were largely
all of these loans made to borrowers that your bank considers to be small businesses? (Please use your
bank’s own internal definition of a small business borrower.) N/Y [Q2]
IA.32 For calendar year 2021, generally speaking, what percent of your bank’s total C&I portfolio’s new
origination loan dollars would you say was extended to borrowers that your bank considers to be small
businesses? (Please use your bank’s own internal definition of a small business borrower; mark only one)
[Q2 variant]
a. 0 to 20 percent
b. Greater than 20 percent to 40 percent
c. Greater than 40 percent to 60 percent
d. Greater than 60 percent to 80 percent
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e. Greater than 80 percent to 100 percent
IA.4 In your own words, describe what you consider to be the characteristics of a bank that is a
”relationship” small business lender? ________________________________________________ [NEW]
IA.5 Excluding credit card products, does your bank offer standardized loan products designed specifically
for small businesses that primarily use automated or algorithm-based decision-making? N/Y [Q5]
IA.6 Below what age (in years) would a small business be considered a startup by your bank? _____
[Q21A]
IA.7 Does your bank make C&I loans to startups? N/Y [Q21C]

B. Underwriting of Small Business Loans
In this subsection, we will be asking you questions about how your bank underwrites loans to small
businesses. Please answer questions to reflect your bank’s own policies, rather than those of any
government-sponsored programs that your bank may participate in.
In calendar year 2021, did your bank offer any of the following general C&I loan product types to
potential borrowers that your bank considers to be small businesses, and if so, what was the highest loan
volume product, including both originations and renewals? [Q19]
C&I
IB.1
IB.2
C&I Loan Product Types
That My Bank
My Bank’s Top 3 Loan Products to
Offered to Small
Small Businesses in 2021, by Dollar
Businesses in
Volume of Approved Credit
Calendar Year 2021
(1=Highest Volume)
(a)
(b)
(c)
a. Credit cards (as principal sponsor)
Options:
b. Letters of credit
N/Y
1
c. Lines of credit (LOC)
2
d. Term loans – balloon
3
e. Term loans – fully amortizing
[Programmer’s Note:
f. …
Only allow options that were
g. Other ____
selected in IB.1]
In calendar year 2021, did your bank offer any of the following specific C&I loan products to potential
borrowers that your bank considers to be small businesses? [NEW]
C&I
IB.3
Specific C&I Loan Products
That My Bank Offered to Small
Businesses in Calendar Year 2021
(a)
(b)
a. Borrowing-based loans
b. Equipment leases
N/Y
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Small Business Lending Survey 2022 - V0 (For Census Review)

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c. Factoring / invoice financing
d. Auto floorplan loans
e. Franchise loans
f. …
[If option a not ranked #1 in IB.2] You ranked [insert highest ranking loan product from IB.2] as your
bank’s top general C&I loan product to small businesses. These questions are asking about your bank’s
underwriting practices for [insert highest ranking loan product from IB.2], as they relate to loans to
small businesses for C&I purposes.
[If option a ranked #1 in IB.2] You ranked [insert highest ranking loan product from IB.2 that is not option
a] as your bank’s top general C&I loan product to small businesses after credit cards. These questions
are asking about your bank’s underwriting practices for [insert second highest ranking loan product
from IB.2 unless only one product was listed], as they relate to loans to small businesses for C&I
purposes.
[Programmer’s Note: Repeat the above paragraph on each page of the survey web interface for this subsection]
*IB.4 Does your bank consider a level of gross annual revenue, regardless of regulatory definitions for
small businesses, above which a business would NOT be considered a small business for this product?
N/Y [Q3]
*IB.5 [If IB.4=Yes] What is the annual revenue benchmark above which a business is NOT considered a
small business? $___,__,___.00 [Q3A]
*IB.6 Does your bank consider an aggregate loan exposure above which the business being lent to would
NOT be considered a small business for this product? N/Y [Q4]
*IB.7 [If IB.6=Yes] What is the aggregate loan exposure above which a business is NOT considered a
small business? $___,__,___.00 [Q4A]
*IB.8 Does your bank consider a certain number of employees above which the business being lent to
would NOT be considered a small business for this product? N/Y [NEW]
*IB.9 [If IB.8=Yes] What is the number of employees above which a business is NOT considered a small
business? ________ [NEW]
*IB.10 Does your bank use the same underwriting criteria (for example, owner’s personal credit score,
debt-service coverage, or loan-to-value ratio) for other general C&I loan products offered to small
businesses, as it does for this product, even if the thresholds for approval are different? N/Y [Q20]
*IB.11 In relation to small businesses, is there a minimum allowable loan amount for this top product?
N/Y [Q22B]
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*IB.12 [If IB.11=Y] What is that minimum loan amount allowed? $___,___,___.00 [Q22B1]
IB.13 Does your bank assign an internal numeric credit score for loan applications of this product? By
this, we mean a credit score created by your bank, which may or may not incorporate information from a
credit bureau. N/Y [NEW]
IB.14 [If IB.13=Y] Are loan officers at your bank able to use their discretion to adjust this bank-created
internal credit score? N/Y [NEW]
Does your bank ever collect and evaluate the following pieces of information for any potential small
business borrowers of this product? [If IB.13=Y] And if yes, does your bank ever use this information to
generate an internal credit score for potential borrowers of this product?
Information
IB.15
IB.16
My Bank
[if IB.13=Y and
Collects and
IB.15=Y]
Evaluates
My Bank Uses to
[Q22E]
Generate Internal
Credit Scores
[NEW]
(a)
(b)
(c)
a. Audited financial statements
b. Cash/liquidity position of business
N/Y
N/Y
c. Debt service coverage of business
d. Debt service coverage of loan
e. Debt-to-worth of business
f. Debt-to-worth of owner(s)
g. Experience in industry by owner(s)
h. External (i.e. purchased through a credit bureau) credit
score of business
i. External (i.e. purchased through a credit bureau) personal
credit score of owner(s) or guarantor(s)
j. Financial strength of owner(s)
k. Loan officer's assessment of owner(s) or business based
on interview or personal interactions
l. Loan-to-value ratio of business
m. Market conditions in business's industry or region
n. Prior deposit relationship of owner(s) or business with my
bank
o. Prior loan relationship of owner(s) or business with my
bank
p. Sell cycle for accounts receivable or inventory
q. Willingness of another individual(s) or entity(ies) to offer
guarantee for loan
r. Willingness of owner(s) to offer collateral and quality of
offered collateral
s. Willingness of owner(s) to offer personal guarantee for
loan
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t.

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Other ____

Consider the following types of borrowers:
 First time borrowers with your bank that are established small businesses
 Repeat borrowers with your bank that are established small businesses
 [If IA.7=Y] First-time borrowers that are start-ups or new small businesses
For each type of borrower, to what degree would you agree that your bank considers this characteristic
very important in approving the application of a borrower for this product? By “very important,” we
mean that an application that displays strength in this area has a much higher chance of approval
and/or that an application that displays weakness in this area has a much lower chance of approval. 3
Characteristic
IB.17
IB.18
IB.19
First-time
Repeat
[If IA.7=Y]
Borrowers That Borrowers That
First-time
Are Established Are Established Borrowers That
Small
Small
Are Startups, or
Businesses
Businesses
New Small
[NEW]
[NEW]
Businesses
[NEW]
(a)
(b)
(c)
(d)
a. Cash/liquidity position of business
b. Debt service coverage of business
Strongly Disagree / Disagree /
c. Debt service coverage of loan
Neither Disagree nor Agree /
d. Debt-to-worth of business
Agree / Strongly Agree
e. Debt-to-worth of owner(s)
f. Experience in industry by owner(s)
g. External (i.e. purchased through a
credit bureau) credit score of business
h. External (i.e. purchased through a
credit bureau) personal credit score
of owner(s) or guarantor(s)
i. Financial strength of business or
owner(s) captured through audited
financial statements
j. Financial strength of business or
owner(s) captured with information
other than audited financial
statements
k. Guarantee by business owner(s)
l. Guarantee by other individual(s) or
entity(ies)
m. Loan officer's assessment of owner or
business based on interview or
personal interactions
n. Loan-to-value ratio of business
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o. Presence or quality of collateral
p. Prior deposit relationship of owner(s)
or business with my bank
q. Prior loan relationship of owner(s) or
business with my bank
r. Sell cycle for accounts receivable or
inventory
s. My bank's specialized knowledge of
business’s industry or region
t. Market conditions in business's
industry or region
u. Other ____
For each type of borrower, do you ever require that the following characteristic be satisfied for a loan
application to be approved? By "require," we mean that without this assurance, your bank is unable to
proceed in evaluating the loan application.
Characteristic
IB.20
IB.21
IB.22
First-time
Repeat
[If IA.7=Y]
Borrowers That Borrowers That
First-time
Are Established Are Established Borrowers That
Small
Small
Are Startups, or
Businesses
Businesses
New Small
[NEW]
[NEW]
Businesses
[NEW]
(a)
(b)
(c)
(d)
a. Agreement to reporting covenants
b. Existence of an external (i.e. purchased
Never / Rarely /
through a credit bureau) credit score of
Sometimes /
business
Often / Always
c. Existence of an external (i.e. purchased
through a credit bureau) personal credit
score of owner or guarantor
d. Presence of audited financial statements
e. Presence of collateral
f. Presence of guarantee
[If IB.20d not = Never AND IB.21d not = Never AND IB.22d not = Never] Does your bank accept the
following types of collateral from small businesses for this loan product? If so, would you agree that the
pledging of this type of collateral strengthens a borrower’s loan application?
Collateral
IB.23
IB.24
My Bank
[If IB.23=Y]
Accepts
That Strengthens a Small
[Q22]
Business Loan Application
[NEW]
(a)
(b)
(c)
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a. Accounts receivable and/or inventory
b. Business assets and/or equipment
c. Cash and/or other liquid assets of business
d. Personal assets, other than cash/liquid
assets or personal real estate (e.g. marketable
securities, vehicles)
e. Commercial real estate, (e.g. building, land)
f.
Personal real estate (e.g. primary residence
of business owner)

N/Y

October 14, 2020

Strongly Disagree / Disagree /
Neither Disagree nor Agree /
Agree / Strongly Agree

C. Loan Approval Process
In this subsection, we hope to learn more about the loan approval process at your bank, including the
length of time to loan approval, the staff who make the approval decision, and where these decisionmakers are located. [NEW SUBSECTION]
[If option a not ranked #1 in IB.2] These questions are asking about your bank’s loan approval process
for [insert highest ranking loan product from IB.2] as it relates to loans to small businesses for C&I
purposes.
[If option a ranked #1 in IB.2] These questions are asking about your bank’s loan approval process for
[insert second highest ranking loan product from IB.2 unless only one product was listed] as it relates
to loans to small businesses for C&I purposes.
[Programmer’s Note: Repeat the above sentence on each page of the survey web interface for this subsection]
Think about the typical turnaround time at your bank for an approved loan application for this product,
from the time of submission of a completed application to the final credit decision (before funding). In
your opinion, what is the typical turnaround time in weeks for an approved application for:
*IC.1 First-time borrowers with your bank that are established small businesses? ____ Weeks [NEW]
*IC.2 Repeat borrowers with your bank that are established small businesses? _____ Weeks [NEW]
*IC.3 [If IA.7=Y] First-time borrowers with your bank that are startups, or new small businesses? ____
Weeks [NEW]
Consider how loan decisions for small business borrowers are made at your bank. For this product, think
about the lowest number of levels of approval possible before a loan is granted. (These levels may
include computer algorithms, individuals such as loan officers or executives, and loan committees.) What
is the minimum number of levels of approval required before a final approved loan decision is made for a
complete application for:
*IC.4 First-time borrowers with your bank that are established small businesses? _____ Levels [NEW]
*IC.5 Repeat borrowers with your bank that are established small businesses? _____ Levels [NEW]
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*IC.6 [If IA.7=Y] First-time borrowers with your bank that are startups, or new small businesses? _____
Levels [NEW]
Consider how loan decisions for small business borrowers are made at your bank. For this product, think
about the highest number of levels of approval possible before a loan is granted (These levels may
include computer algorithms, individuals such as loan officers or executives, and loan committees.) What
is the maximum number of levels of approval that a loan application could possibly experience before a
final approved loan decision is made for a complete application for:
*IC.7 First-time borrowers with your bank that are established small businesses? _____ Levels [NEW]
*IC.8 Repeat borrowers with your bank that are established small businesses? _____ Levels [NEW]
*IC.9 [If IA.7=Y] First-time with your bank that are startups, or new small businesses? _____ Levels
[NEW]
Consider how loan decisions for small business borrowers are made at your bank. For this product, what
is the typical number of levels of approval before a loan is granted? (These levels may include computer
algorithms, individuals such as loan officers or executives, and loan committees.) What is the usual
number of levels of approval that a loan application generally experiences before a final approved loan
decision is made for a complete application for:
*IC.10 [If IC.4 NE IC.7] First-time borrowers with your bank that are established small businesses?
_____ Levels [NEW] [Programmer’s Note: Must be greater than or equal to IC.4 and less than or equal to
IC.7]
*IC.11 [If IC.5 NE IC.8] Repeat borrowers with your bank that are established small businesses? _____
Levels [NEW] [Programmer’s Note: Must be greater than or equal to IC.5 and less than or equal to IC.8]
*IC.12 [If IA.7=Y and IC.6 NE IC.9] First-time borrowers with your bank that are startups, or new small
businesses? _____ Levels [NEW] [Programmer’s Note: Must be greater than or equal to IC.6 and less
than or equal to IC.9]
Thinking about a first-time borrower who is an established small business, consider the full loan
approval process for a typical complete loan application for this product. Please answer the following
questions for each possible level of approval that such a typical application could potentially undergo
depending on the size of the loan, its complexity, and any other factors.
Questions on Aspects of This…
[Programmer’s Note: Provide number of slots
based on answer given in IC.7]
Level of Approval
1
2
3
4
5
…
IC.13 Who or what entity conducts this level of
approval? (Mark only one) [NEW]

a.
b.
c.
d.
e.
f.

Computer algorithm
Loan officer
Senior or supervising loan officer
Loan committee
Executive
Other ____

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IC.14 [If IC.13 not = a] What best describes the
geographical purview of this level of approval? By
“geographical purview,” we mean how broad is a
typical physical area covered by a single person or
entity at this level. (Mark only one) [NEW]

IC.15 Does this level of approval typically have
signature authority for loans below a certain size? By
“signature authority,” we mean that this level may
authorize a loan without being subject to higher levels
of approval. [NEW]
IC.164 [if IC.15=Y] What is the typical signature
authority loan amount for this level of approval? [NEW]
IC.17 What other than loan size might trigger the
participation of an additional level of approval?
(Mark all that apply) [NEW]

IC.18 For any loans where this level does NOT have final
approval authority, typically how influential are their
recommendations to decision-makers at higher levels
of approval? (Mark only one) [NEW]

October 14, 2020

a. Loans originated at a single branch
b. Loans originated at multiple branches
located in the same county or MSA
c. Loans originated at branches in multiple
counties within the same state
d. Loans originated at branches in multiple
states within a region
e. Loans originated at branches located
nationwide
f. Other ____
N/Y

$_________
a.
b.
c.
d.
e.
f.
g.
a.
b.
c.
d.

Business in an unfamiliar sector or region
Business size (number of employees)
Business size (revenue)
Complexity of loan
Prior relationship with borrower
Weaknesses of the borrower
Other ____
This is the highest level of approval
Not very influential
Somewhat influential
Very influential

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D. Financial Technology (“FinTech”)
We would now like to ask you a few question about your bank’s usage and development of financial technology or “FinTech” and your bank’s
interactions with FinTech firms, both in connection with small business lending. By “FinTech,” we mean new business processes that use recent
technological innovations to alter or improve how financial services are conducted. This includes, but is not limited to, artificial intelligence and
machine learning, automation, large data analysis, and mobile payments and other mobile or internet-based applications. By “FinTech firms,” we
mean firms that specialize in using FinTech, including both firms that lend or otherwise interact directly with businesses and consumers and firms
that provide or sell FinTech to other financial institutions. Please base your answers on any C&I loan product offered by your bank to small
businesses where you use or are considering using FinTech. [NEW SUBSECTION]
At what level of involvement is your bank in using FinTech for each stage of the small business C&I loan process? Include usage or planned usage
of both in-house technology or through interactions with outside FinTech providers. (Mark only one level of activity per loan process stage)
Level of FinTech Activity
Stages of Small Business Loan Process
ID.1
ID.2
ID.3
ID.4
ID.5
ID.6
ID.7
ID.8
ID.9
Identifying
Loan
AppliUnderPostLoan
Loan
Portfolio
Other
Potential
Application
writing
decision
FundPerform- Analytics (Specify)
Borrowers
cation
Process- Process
Quality
ing
ance
[NEW]
[NEW]
(Market
Submising
[NEW] Control (e.g. [NEW] Tracking
Research)
sion
[NEW]
Anti-fraud)
and
[NEW]
[NEW]
[NEW]
Servicing
[NEW]
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)
a. Commercial use / launched
□
□
□
□
□
□
□
□
□
b. Pilot testing with consumers
□
□
□
□
□
□
□
□
□
c. Under development
□
□
□
□
□
□
□
□
□
d. Under discussion
□
□
□
□
□
□
□
□
□
e. No activity
□
□
□
□
□
□
□
□
□
f. This is not a stage of our loan process
□
□
□
□
□
□
□
□
□
ID.10 [If options a, b, c, or d chosen at least once for any of the questions ID.1 through ID.9] In connection with the level of FinTech activity that
you just reported for your bank’s small business C&I loan process, is this a way your bank currently uses, or is actively considering using, to
develop FinTech or interact with FinTech firms? [NEW]
Ways of Developing FinTech and Interacting with FinTech Firms
That My Bank Uses or is
Strongly Considering Using

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(a)
a. Acquire existing FinTech companies to offer new products/services
b. Develop own products/services in-house using new technologies without cooperating with FinTech companies
c. Form commercial partnerships with existing FinTech companies to offer new products/services
d. Invest in FinTech companies (e.g. venture capital)
e. Participate in non-commercial partnerships with FinTech companies (e.g. through research, or sharing of
knowledge through FinTech incubators/accelerators)
f. Set-up/sponsor FinTech incubators/ accelerators
g. …
h. Other ____

(b)
Not Under Active
Consideration /
Under Active Consideration /
Currently Using

ID.11 To what degree would you agree that this is a reason that keeps your bank from using any or more FinTech in its small business C&I loan
process? [NEW]
Reasons
Why My Bank Does Not Engage with or
(a)
Engage More with FinTech
(b)
a. Compliance/regulatory risk
b. Cost (e.g. integrating with legacy IT systems, investing in human capital)
Strongly Disagree / Disagree /
c. Cybersecurity risk
Neither Disagree nor Agree /
d. No perceived benefit to our current business model
Agree / Strongly Agree
e. Unaware of relevant technology
f. …
g. Other ____
ID.12 Does your bank provide services in this way to FinTech firms in relation to small business C&I lending activity? [NEW]
Services
That My Bank Provides to FinTech Firms
(a)
(b)
a. Loan origination
N/Y
b. Loan warehousing
c. Securitization trustee
d. …
e. Other ____

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II.

Small Business Lending Survey 2022 - V0 (For Census Review)

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Markets, Competition, and Loan Demand

As you complete this section of the survey on behalf of your bank, please keep this definition of
commercial and industrial (C&I) loans in mind as you answer questions.5
For the purposes of this survey, commercial and industrial loans are loans to fund C&I activity, regardless
of the collateral used to secure the loan. Specifically, please …
Include:
 Unsecured loans for C&I purposes
 Loans for C&I purposes, primarily secured by commercial real estate, including both owneroccupied and non-owner occupied CRE
 Loans for C&I purposes, primarily secured by multi-family residential properties
 Loans for C&I purposes, primarily secured by 1-4 family residential properties
 Loans for C&I purposes, primarily secured by non-real estate assets (e.g. secured by
 inventory)
Exclude:
 Loans for the improvement, purchase, or refinancing of commercial real estate,
including both owner-occupied and non-owner-occupied
 Loans for the improvement, purchase, or refinancing of multi-family real estate
 Loans for the purchase of 1-4 family residential properties by investors
 All agricultural loans
[[If Screener7=Y, add:] Since your bank has multiple divisions that engage in small business C&I lending
activity, when answering these questions please consider the division within your bank that generates
the largest volume of C&I lending to businesses your bank considers small, outside of credit card only
divisions.]
In general, please answer these questions in relation to C&I activity outside of credit card originations.

A. Small Business Lending Markets & Practices
. In this subsection, we hope to learn more about your bank’s geographic market for loans to small
businesses, and the practices that your bank uses within this market to generate and maintain small
business C&I lending relationships. By “geographic market”, we mean the physical area or areas where
your small business borrowing customers are generally located.
IIA.16 Generally speaking, how far in miles from your physical branches does your geographic market for
small business C&I lending extend? ____ Miles [NEW]

5

TESTING PROBE: Is this box necessary for this section?
TESTING PROBES: 1. Which of the three options best generates the answer we want of identifying actual
geographic small business lending markets? 2. Should the buckets for Options 2 and 3 be more aggregated?
6

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Option 2
IIA.1 Generally speaking, how far in miles from your physical branches does your geographic market
for small business C&I lending extend? (Mark only one)
a. Less than 1 mile
b. 1 to less than 2 miles
c. 2 miles to less than 3 miles
d. 3 miles to less than 5 miles
e. 5 miles to less than 7 miles
f. 7 miles to less than 10 miles
g. 10 or more miles
Option 3
IIA.1 Generally speaking, how far in miles from your physical branches would a business’s primary
location have to be to no longer be considered a target customer for small business C&I lending?
(Mark only one)
a. Less than 1 mile
b. 1 to less than 2 miles
c. 2 miles to less than 3 miles
d. 3 miles to less than 5 miles
e. 5 miles to less than 7 miles
f. 7 miles to less than 10 miles
g. 10 miles to less than 20 miles
h. 20 or more miles

IIA.2 Generally speaking, to what degree would you agree that this is a reason why your bank’s
geographic market to small businesses is within the approximate distance that you chose for your bank?
[NEW]
Reasons
Why My Bank Tends to Lend to Small Businesses
Within this Distance
(a)
(b)
a. It is too difficult to convey information
about local economic conditions outside
Strongly Disagree / Disagree /
this geographic market to loan decisionNeither Disagree nor Agree /
makers
Agree / Strongly Agree
b. It is too difficult to verify information
about applicants outside this geographic
market
c. Our branches are located within
geographic/political boundaries that are
within this distance
d. Potential small business borrowers
outside this geographic market are
generally too hard to market to or
otherwise “get in the door”
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e. Potential small business borrowers
outside this geographic market are
generally too hard to monitor
f. There are very few potential small
business borrowers immediately outside
this geographic market
g. There is not much demand from small
business borrowers immediately outside
this geographic market
h. …
i. Other ____
IIA.3 Generally speaking, in relation to your bank’s lending to small business borrowers for C&I purposes,
which statement below would you most agree with? (Mark only one) [Q15 variant]
a. My bank in general does not lend outside of neighborhood or town limit(s)
b. My bank in general does not lend outside of city limit(s)
c. My bank in general does not lend outside of county limit(s)
d. My bank in general does not lend outside of metropolitan statistical area(s)
e. My bank in general does not lend outside of state limit(s)
f. None of the statements above apply to my bank
IIA.4 In your own words, generally speaking, how would you describe the market areas within which your
bank extends its C&I loan dollars to small businesses? __________________ [NEW]
A first-time borrower that is an established small business can typically complete different steps of a
C&I loan application process in different locations or by different means. Looking at each step of a loan
application process in the table, would you agree that this step can be completed at the locations or
through the means presented below?
C&I Loan Application Step At a Branch or Through an
Over Email,
Online NA (My Bank
Loan
On-site Visit
Fax, or
via
Does Not Do
Production
by Bank Staff
Telephone
Website
This Step)
Office
or App
(a)
(b)
(c)
(d)
(e)
(f)
IIA.5 Consult with a loan
Disagree/Agree
officer about appropriate
products [NEW]
IIA.6 Submit formal
Disagree/Agree
application [Q23]
IIA.7 Submit financial
Disagree/Agree
statements and other
documents [NEW]
IIA.8 Sign documents for
Disagree/Agree
approved loan [NEW]
IIA.9 Disbursement of
Disagree/Agree
funds [NEW]
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IIA.10 Would you agree that this is a practice that your bank uses in conducting its regular small business
C&I lending activity? By “practice,” we mean “things that your bank does” to generate and maintain
small business C&I lending relationships. [Q24]
Practices to Generate and Maintain
That My Bank Uses
Small Business C&I Lending Relationships
(a)
(b)
Quality of Initial Interaction
a. Accept walk-ins
Disagree/Agree
b. Employ front-facing staff who are knowledgeable about industry,
local area, loan process, etc.
c. Offer customers ability to talk to someone in person
d. Offer customers ability to talk with someone over the telephone
e. Other ____
Ongoing Borrower Interaction with Staff
f. Client development through social engagements
g. Encourage knowledgeable staff to regularly share expertise with
current and past borrowers
h. Have staff conduct regular check-ins with existing borrowers, via
email, telephone, or texting
i. Maintain long term consistency in assignment of loan officers (or
staff) to borrowers
j. Onsite visits to the small business
k. Request that staff actively develop relationships that accumulate
knowledge about borrowers’ distinct circumstances
l. Other ____
External Sources & Outreach
m. Engage in indirect lending
n. Market to potential new customers not from past or current
banking relationships
o. Participate in community involvement and service (e.g. board
participation, networking events, and other sponsorships)
p. Rely on customer referrals (“word of mouth”)
q. Rely on professional referrals from local accountants/CPAs
r. Rely on professional referrals from local attorneys
s. Rely on professional referrals from other “centers of influence”
besides local accountants or attorneys
t. Use brokers
u. Use lead generators
v. Use staff to outreach to customers from past or current banking
relationships, for new customer leads
w. Other ____
Borrower Services & Convenience
x. Offer card payment processing
y. Offer check cashing services
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z.
aa.
bb.
cc.
dd.

Offer a mobile app
Offer payroll services
Offer transfer services
Open new branches in locations convenient for current borrowers
Open new branches in locations where loan demand is expected to
increase
ee. Provide business hours longer than 9am to 5pm
ff. Other ____

IIA.11 To what degree would you agree that this is a practice that your bank considers very important
for generating new and maintaining existing small business C&I lending relationships? By “very
important,” we mean that this practice is particularly effective in producing small business C&I lending
activity. You may provide opinions on the perceived value of a practice that your bank does not currently
use. [Q24 variant]
Practices to Generate and Maintain
That My Bank Considers
Small Business C&I Lending Relationships
Very Important
(a)
(b)
Repeat IIA.10 options
Strongly Disagree /
Disagree / Neither
Disagree nor Agree /
Agree / Strongly Agree

B. Small Business Competitors and Competitive Advantages
In this subsection, we hope to learn more about your bank’s competitors for small business C&I lending,
and the relative competitive advantages of your bank and your bank’s competitor institutions.
IIB.1 Would you agree that your bank frequently competes with this type of institution for C&I lending to
small business borrowers? [Q16]
Institutions that Extend C&I Loans to Small Business Borrowers
That My Bank Frequently
Competes with
(a)
(b)
Local Banks (with a branch presence in your market)
a. Small local banks (Less than $1 Billion in Assets)
Disagree/Agree
b. Mid-sized local banks ($1 Billion to $3 Billion in Assets)
c. Large local banks ($3 Billion to $10 Billion in Assets)
d. Regional banks with local presence ($10 to $50 Billion in Assets)
e. Large national banks with local presence ($50+ Billion in Assets)
Non-local Banks (with no branch presence in your market)
f. Small non-local banks (Less than $1 Billion in Assets)
g. Mid-sized non-local banks ($1 Billion to $3 Billion in Assets)
h. Large local banks ($3 Billion to $10 Billion in Assets)
i. Regional banks with no local presence ($10 to $50 Billion in Assets)
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j.

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Large national banks with no local presence ($50+ Billion in Assets)

Non-bank Institutions
k. Credit card issuers
l. Credit Unions, locally-based
m. Credit Unions, nonlocal
n. Crowd-funding sites (e.g., Kickstarter, CrowdFunder, etc.)
o. Community Development Financial Institutions (CDFIs)
p. Non-bank local lenders outside of CDFIs
q. Non-bank online balance sheet lenders (e.g. Ondeck, Kabbage)
r. Non-bank online marketplace lenders (e.g. Lending Club, Funding
Circle)
s. Other ____
Other
t. …
u. Other ____
IIB.2 To what degree would you agree that this type of institution is a very important competitor for C&I
lending to small business borrowers? [Q16]
Institutions that Extend C&I Loans to Small Business Borrowers
That My Bank Considers a
Very Important Competitor
(a)
(b)
Strongly Disagree / Disagree
[Programmer’s Note: Populate with options from IIB.1 where bank
/ Neither Disagree nor Agree
chooses “Agree”]
/ Agree / Strongly Agree
IIB.3 In your opinion, generally speaking, would you agree that this is an area of competitive advantage
for this type of institution? By “competitive advantage,” we mean that this is “something that you believe
that this type of institution does well” in generating C&I lending activity with small business borrowers,
regardless of whether you directly compete with them or not. [NEW]
Area of Competitive
Small
Mid-sized
Large
Regional
Large
Credit
FinTech
Advantage
local
local
local
banks
national
Unions
Lenders
for Generating C&I
banks
banks
banks
with local
banks
Lending
(Less
($1
($3
presence with local
to Small Business
than $1
Billion to Billion to
($10 to
presence
Borrowers
Billion in
$3
$10
$50
($50+
Assets)
Billion in Billion in Billion in Billion in
Assets)
Assets)
Assets)
Assets)
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
a. Overall
Disagree Disagree Disagree Disagree Disagree Disagree Disagree
Convenience
/Agree
/Agree
/Agree
/Agree
/Agree
/Agree
/Agree
b. Overall Customer
Service
c. Overall Pricing

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d. Overall Speed of
Service
e. Overall Consumerfacing Technology
f. Overall
Underwriting
Please name the institutions that you consider your bank’s top three competitors for C&I lending to small
business borrowers, and note the type of institution it is. (Note: For your bank, these top three
institutions may be of the same type.) Your bank’s number one competitor should be noted in IB.4.
My Bank’s Top Three Competitors for
Type of Institution
C&I Lending to Small Business Borrowers
(a)
(b)
IIB.4 My bank’s number one competitor for small business C&I lending
IIB.5 [NEW]
a. _________________________________ (Name, City, State)
[Programmer’s Note: Populate
b. I would prefer not to answer this question for my bank, but can
with options from IIB.1 where
share the type of institution it is [NEW]
bank chooses “Agree”]
IIB.6 My bank’s number two competitor for small business C&I lending
IIB.7 [NEW]
a. _________________________________ (Name, City, State)
[Programmer’s Note: Populate
b. I would prefer not to answer this question for my bank, but can
with options from IIB.1 where
share the type of institution it is [NEW]
bank chooses “Agree”]
IIB.8 My bank’s number three competitor for small business C&I lending IIB.9 [NEW]
a. _________________________________ (Name, City, State)
[Programmer’s Note: Populate
b. I would prefer not to answer this question for my bank, but can
with options from IIB.1 where
share the type of institution it is [NEW]
bank chooses “Agree”]
IIB.10 You listed [name listed in IIB.4(a)] as your bank’s number one competitor for C&I lending to small
business borrowers. Compared to [if provided, name listed in IIB.4a; otherwise shortname for IIB.5
answer] would you say that your bank performs better or worse in executing this competitive
advantage? By “performs better or worse,” we mean that your bank is comparatively “better able to use
this advantage or worse in using this advantage” to generate C&I lending activity with small business
borrowers, relative to your number one competitor. [Q17 variant]
For These Competitive Advantages
For My Bank Compared to [name
for Generating C&I Lending to Small Business Borrowers
listed in IIB.4; otherwise shortname for
IIB.5 answer]
(a)
(b)
a. Overall Convenience
b. Breadth of other services offered, besides credit products
[If provided, name listed in IIB.4a;
c. Convenient location(s) for borrowers
otherwise shortname for IIB.5 answer]
d. Credit products offered
performs much better /
e. Number of locations
[name listed in IIB.4] performs better /
My bank performs about the same /
f. Overall Customer Service
My bank performs better /
g. Established relationships between borrowers and staff
My bank performs much better
h. Personal attention given by lender to borrowers
i. Quality of staff (including experience and knowledge)
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j. Overall Pricing
k. Flexibility in pricing or loan structure
l. Pricing of fees
m. Pricing of interest rates
n. Term structure
o. Overall Speed of Service
p. Closing speed
q. Decision speed
r. Funding speed
s. Overall Consumer-facing Technology
t. Mobile services
u. Online applications
v. Remote deposit capture
w. Overall Underwriting
x. Collateral requirements
y. Debt service coverage
z. Documentation requirements
aa. Loan-to-value
bb. Other Options
cc. Other ____
IIB.11 Turning to your competitors in general, would you say that your bank performs better or worse
than your competitors in executing this competitive advantage? By “performs better or worse,” we mean
that your bank is comparatively “better able to use this advantage or worse in using this advantage” to
generate C&I lending activity with small business borrowers, relative to your competitors, generally.
[Q18]
For These Competitive Advantages
Compared to My Competitors
for Generating C&I Lending to Small Business Borrowers
Overall
(a)
(b)
Repeat IIB.10 options
My competitors perform much
better /
My competitors perform worse /
My bank performs about the same /
My bank performs better /
My bank performs much better
IIB.12 When considering whether to take out a C&I loan and from whom to borrow, in your opinion to
what degree do your bank’s existing and potential small business C&I lending borrowers find this
competitive advantage important? By “important,” we mean that this is “something that you believe small
business borrowers care about” when they are looking for a C&I loan with a lending institution. [NEW]
Competitive Advantages in C&I Lending
That Are Important to Small Business Borrowers
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(a)
a. Overall Convenience
b. Overall Customer Service
c. Overall Pricing (including Flexibility)
d. Overall Speed of Service
e. Overall Consumer-Facing Technology
f. Overall Underwriting

October 14, 2020

(b)

Strongly Disagree / Disagree /
Neither Disagree nor Agree /
Agree / Strongly Agree

C. Your Bank’s Experience with the Coronavirus Pandemic
Beginning in March 2020, the United States was affected by the coronavirus pandemic. We would like to
ask you about your bank’s experiences in dealing with the coronavirus pandemic as it relates to your
bank’s small business C&I lending activity. [NEW SUBSECTION]
IIC.1 To what degree would you agree that your bank experienced this problem, in relation to your
bank’s small business C&I lending activity, as a result of the coronavirus pandemic or the government’s
response to the pandemic (whether federal, state, or local)? [NEW]
That My Bank Experienced
Problems
As a Result of the coronavirus
(a)
Pandemic (b)
a. Decline in demand for funding from
existing or potential small business
Strongly Disagree / Disagree /
borrowers
Neither Disagree nor Agree /
b. Decreased creditworthiness of existing or
Agree / Strongly Agree
potential small business borrowers
c. Declining net interest margin (i.e. due to
cuts in fed funds rate)
d. Increased competition from other banks
or credit unions
e. Increased competition from FinTech
lenders, government lenders, or sources
of financing other than banks or credit
unions
f. Operational issues due to staff
absenteeism
g. Operational issues due to executive
absenteeism
h. Operational issues due to social
distancing (e.g. lack of face-to-face
interaction)
i. …
j. Other ____
IIC.2 Would you agree that your bank took this action in response to the coronavirus pandemic in
relation to your bank’s small business C&I lending activity? [NEW]
Actions
Taken by My Bank

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In Response to the coronavirus
Pandemic (b)

(a)
a. Allow small business customers to apply
for loans online or over the telephone
(when they were not previously allowed
to do so)
b. Set up teleworking for bank employees
who work in small business C&I lending
c. Use special government programs ____7
d. Make modifications to existing small
business loans
e. …
f. Other ____

Disagree/Agree

IIC.3 To what degree would you agree that this aspect of the government response to the
coronavirus pandemic was directly or indirectly useful in allowing your bank to continue its desired
level of small business C&I lending? [NEW]
That Were Helpful to My Bank
Government Responses
in Its Small Business C&I lending
(a)
Activity During the coronavirus
Pandemic
(b)
a. The Federal Reserve cutting interest rates
Strongly Disagree / Disagree /
b. The FDIC guaranteeing transaction accounts
Neither Disagree nor Agree /
c. The Small Business Association’s (SBA’s)
Agree / Strongly Agree
Paycheck Protection Program (PPP)
d. Main Street Lending Program
e. Stimulus checks to individual citizens
f. Unemployment insurance
g. …
h. Other ____

III.

SBA Lending and Securitization [NEW SECTION]
A. SBA Lending by Your Bank

IIIA.1 In calendar year 2021, did your bank originate any SBA-guaranteed loans? N/Y [NEW]
IIIA.2 [If IIIA.1=N] Would you agree that this is a reason why your bank did not originate any SBA-backed
loans in calendar year 2021? [NEW]
Reasons
Why My Bank Did Not Participate in Any SBA Program,
In Calendar Year 2021
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a.
b.
c.
d.
e.
f.
g.

(a)
General administrative costs of
maintaining participation are too
high
Initiating participation is too costly
Our applicants qualify for the loan
products we offer
Participation requires too much
investment of staff time
Regulatory or compliance concerns
…
Other ____

October 14, 2020

(b)
Disagree/Agree

IIIA.3 [If IIIA.1=Y] Which SBA program or programs has your bank used in calendar year 2021 to
originate loans? [NEW]
SBA Programs
That My Bank Participated In, In Calendar Year
2021
(a)
(b)
a. 7(a) Loan Guarantee Program
b. …
N/Y
c. Other ____
IIIA.4 [If IIIA.3 option a chosen] Which of the following statements most accurately describes how your
bank’s participation in the 7(a) program is related to the Paycheck Protection Program which was passed
in March 2020? (Mark only one) [NEW]
a. Our bank had previously originated 7(a)-guaranteed loans and also originated Paycheck
Protection Program loans
b. Our bank had previously originated 7(a)-guaranteed loans but did not originate Paycheck
Protection Program loans
c. Our bank began originating 7(a)-guaranteed loans sometime after March 2020, but not
specifically in response to the Paycheck Protection Program
d. Our bank began originating 7(a)-guaranteed loans in response to the Paycheck Protection
Program, but has also originated loans outside of the Paycheck Protection Program

B. Sale of Small Business Loans by Your Bank
IIIB.1.8 In 2021, did your bank sell any of the small business loans that it made? [NEW]
C&I Loan Product Types Offered
That My Bank Sells
to Small Businesses
(a)
(b)
[Programmer’s Note: Populate with items from three sources:
None / Some / Most / All
Source One: If IA.5=Y, “Non-credit card standardized loan
products”
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Source Two: IB.1 options chosen (C&I products)
Source Three: If IIIA.1=Y, IIIA.3 options chosen (SBA
programs)]

IV.

Measurement of Bank Small Business Lending
A. C&I Loan Originations in 2021

IVA.1 In calendar year 2021, what was the total dollar amount of originations and renewals your bank
committed to loans for all purposes, including all consumer loans and all commercial loans to businesses
of all sizes? Please refer to the instruction box below for detailed instructions on what lending to include.
$____,____,____.00 [Q7]
Loans for all purposes include loans for these purposes:
 Acquisition, Construction, and Development
 Agricultural and Farm
 Commercial and Industrial (C&I)
 Commercial Real Estate (CRE)
 Multi-family Real Estate
 1-4 Family Residential Properties
 Consumer-activity, including (and not limited to) Auto and Credit Cards
Note:
 For renewals, include the whole amount of the renewal
 For lines of credit, include the entire amount of the available line originated or renewed
 Include non-portfolio loans that were originated for sale
IVA.2 [If Screener1=Y] You reported [Amount reported in IVA.1] as the total dollar amount of originations
and renewal dollars committed by your bank to loans for all purposes in calendar year 2021. Of this
total, what was the total loan dollar amount committed for C&I purposes only? Please refer to the
instruction box below, for detailed instructions on this Survey’s definition of C&I lending.
$____,____,____.00 [Q8] [Programmer’s Note: Value reported must be less than amount reported in
IVA.1]
For the purposes of this Survey, commercial and industrial loans are loans to fund C&I activity,
regardless of the collateral used to secure the loan. Specifically, please …
Include:
 Unsecured loans for C&I purposes
 Loans for C&I purposes, primarily secured by commercial real estate, including both owneroccupied and non-owner occupied CRE
 Loans for C&I purposes, primarily secured by multi-family residential properties
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Loans for C&I purposes, primarily secured by 1-4 family residential properties
Loans for C&I purposes, primarily secured by non-real estate assets (e.g. secured by
inventory)

Exclude:
 Loans for the improvement, purchase, or refinancing of commercial real estate,
including both owner-occupied and non-owner-occupied
 Loans for the improvement, purchase, or refinancing of multi-family real estate
 Loans for the purchase of 1-4 family residential properties by investors
 All agricultural loans
IVA.3 [If IB1a chosen and Screener2=Y] You reported [Amount reported in IVA.2] as the total dollar
amount of originations and renewals committed by your bank to loans for C&I purposes in calendar year
2021. Of this total, what was the total loan dollar amount committed for C&I purposes that was
extended through credit card loans? $____,____,____.00 [NEW] [Programmer’s Note: Value reported
must be less than amount reported in IVA.2]
[If IB1a chosen and Screener2=Y and Screener4=Y] You reported [Amount reported in IVA.3] as the total
loan dollar amount of originations and renewals committed by your bank to credit card loans for C&I
purposes in calendar year 2021. Of this total, what were the credit card loan dollar amounts
committed for C&I purposes that were extended to businesses with the following gross annual
revenues?
IVA.4
IVA.5
Total
GAR ≤ $10M
GAR > $10M
[NEW]
[NEW]
(a)
(b)
(c)
$____,____,____.00 $____,____,____.00 [Programmer’s
Note: Column
total should
equal answer
for IVA.3]
IVA.6 [If IA.5=Y and Screener2=Y] You reported [Amount reported in IVA.2] as the total dollar amount of
originations and renewals committed by your bank to loans for C&I purposes in calendar year 2021. Of
this total, what was the loan dollar amount committed for C&I purposes that was extended through
standardized loan products designed specifically for small businesses that primarily use automated or
algorithm-based decision-making? $____,____,____.00 [NEW] [Programmer’s Note: Value reported
must be less than amount reported in IVA.2]
IVA.7 [If Screener1=Y] You reported [Amount reported in IVA.2] as the total dollar amount of originations
and renewals committed by your bank to loans for C&I purposes in calendar year 2021. Of this total,
what was the loan dollar amount committed for C&I purposes that was primarily secured by 1-4
family residential properties? Please refer to the instruction box below, for examples of loans to include.
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$____,____,____.00 [Q9] [Programmer’s Note: Value reported must be less than amount reported in
IVA.2]
Examples of loans to include:
 A line of credit to a business for working capital purposes, primarily secured by the primary
residence of the owner.
 A loan to an established small business borrower to open a new business, primarily secured by
the primary residence of the owner.
IVA.8 [If Screener3=Y] You reported [Amount reported in IVA.2] as the total dollar amount of originations
and renewals committed by your bank to loans for C&I purposes in calendar year 2021. Of this total,
what was the loan dollar amount committed for C&I purposes that was extended to businesses with
gross annual revenues of $1 million or less? $____,____,____.00 [Q10] [Programmer’s Note: Value
reported must be less than amount reported in IVA.2]
IVA.9 [If Screener3=Y and IB.5>0] You reported [Amount reported in IVA.2] as the total loan dollar
amount of originations and renewals committed by your bank to loans for C&I purposes in calendar year
2021. Of this total, what was the loan dollar amount committed for C&I purposes that was extended
to businesses with gross annual revenues of [Insert value from IB.5] or less? $____,____,____.00 [Q11]
[Programmer’s Note: Value reported must be less than amount reported in IVA.2]
You reported [Amount reported in IVA.2] as the total loan dollar amount of originations and renewals
committed by your bank to loans for C&I purposes in calendar year 2021. Of this total, for the loan sizes
listed below, what were the loan dollar amounts committed for C&I purposes that were extended to
businesses with the following gross annual revenues?
Loan Size at
IVA.10
IVA.11
IVA.12
IVA.13
Total
Origination
[If
[If
[If
[If
Screener3=Y]
Screener4=Y] Screener4=Y] Screener4=Y]
GAR ≤ $1M
GAR > $1M GAR > $5 to ≤ GAR > $10M
[NEW]
to ≤ $5M
$10M
[NEW]
[NEW]
[NEW]
(a)
(b)
(c)
(d)
(e)
(f)
< $1M
GT $1M to ≤ $5M
GT $5M to ≤ $10M
GT $10M
Total
[Programmer’s
NA
NA
NA
[Programmer’s
Note: Provide
Note: Column
a warning if
total should
column total
equal answer
does not equal
for IVA.2]
answer for
IVA.8]

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FDIC

Small Business Lending Survey 2022 - V0 (For Census Review)

October 14, 2020

IVA.14 [If IIIA.1=Y and Screener2=Y] You reported [Amount reported in IVA.2] as the total loan dollar
amount of originations and renewals committed by your bank to loans for C&I purposes in calendar year
2021. Of this total, what were the loan dollar amounts committed for C&I purposes that were
extended through the SBA programs that your bank participated in?
SBA Program
Total SBA Loans
(a)
(b)
[Programmer’s Note: Total of value
[Programmer’s Note:
reported should be less than
Populate rows from SBA programs reported in IIIA.3]
amount reported in IVA.2]

B. Outstanding Call Report C&I Loan Balances in 2021
Looking at the outstanding loan balances for C&I loans reported on your bank’s [insert date] Call Report
with origination amounts of various sizes, what were the dollar amounts of loan balances to businesses
with the following gross annual revenues? [Q14 variant]
Loan Size at
IVB.1
IVB.2
IVB.3
IVB.4
Total
Origination
[If
[If
[If
[If
Screener5=Y] Screener6=Y] Screener6=Y] Screener6=Y]
GAR ≤ $1M
GAR > $1M GAR > $5 to ≤ GAR > $10M
to ≤ $5M
$10M
(a)
(b)
(c)
(d)
(e)
(f)
≤ $1M
[Insert Call Report dollar
amount]
> $1M to ≤ $5M
[Programmer’s Note:
Total of values reported in
these three rows should
> $5M to ≤ $10M
equal Call Report C&I total
less amount in above cell]
> $10M

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