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[null,"Section A: Loan Volumes and Terms"]
["A.1","Base Rates - Banks Using a Single Rate"]
["A.2","Base Rates - Banks Using Multiple Rates"]
["A.3","Outstanding Fixed-Rate Term Loans"]
["A.4","Interest Rates - Outstanding Fixed-Rate Term Loans"]
["A.5","Maturities - Outstanding Fixed-Rate Term Loans"]
["A.6","Outstanding Variable-Rate Term Loans"]
["A.7","Interest Rates - Outstanding Variable-Rate Term Loans"]
["A.8","Maturities - Outstanding Variable-Rate Term Loans"]
["A.9","Outstanding Fixed-Rate Loans Made Under Commitment"]
["A.10","Commitment Usage - Outstanding Fixed-Rate Loans Made Under Commitment"]
["A.11","Interest Rates - Outstanding Fixed-Rate Loans Made Under Commitment"]
["A.12","Outstanding Variable-Rate Loans Made Under Commitment"]
["A.13","Commitment Usage - Outstanding Variable-Rate Loans Made Under Commitment"]
["A.14","Interest Rates - Outstanding Variable-Rate Loans Made Under Commitment"]
["A.15","Net Drawdowns on Loans Made Under Commitment"]
["A.16","New Fixed-Rate Term Loans"]
["A.17","Interest Rates - New Fixed-Rate Term Loans"]
["A.18","Maturities - New Fixed-Rate Term Loans"]
["A.19","New Variable-Rate Term Loans"]
["A.20","Interest Rates - New Variable-Rate Term Loans"]
["A.21","Maturities - New Variable-Rate Term Loans"]
["A.25","New Fixed-Rate Loans Made Under Commitment"]
["A.26","Commitment Usage - New Fixed-Rate Loans Made Under Commitment"]
["A.27","Interest Rates - New Fixed-Rate Loans Made Under Commitment"]
["A.28","New Variable-Rate Loans Made Under Commitment"]
["A.29","Commitment Usage - New Variable-Rate Loans Made Under Commitment"]
["A.30","Interest Rates - New Variable-Rate Loans Made Under Commitment"]
[]
[null,"Section B: Credit Line Usage"]
["B.1","Credit Line Usage - Percentage of Banks Reporting a Change"]
["B.2","Increased Credit Line Usage - Reasons for Change"]
["B.3","Decreased Credit Line Usage - Reasons for Change"]
[]
[null,"Section C: Loan Demand and Applications"]
["C.1","Loan Demand - Percentage of Banks Reporting a Change"]
["C.2","Applications - Received and Approved"]
["C.3","LMI Applications - Received and Approved"]
["C.4","Loan Denial - Reasons"]
[]
[null,"Section D: Credit Standards and Terms"]
["D.1","Credit Standards - Percentage of Banks Reporting a Change"]
["D.2","Terms - Percentage of Banks Reporting a Change"]
["D.3","Credit Standards and Terms - Reasons for Tightening"]
["D.4","Credit Standards and Terms - Reasons for Easing"]
[]
[null,"Section E: Credit Quality of Applicants"]
["E.1","Credit Quality of Applicants - Percentage of Banks Reporting a Change"]
["E.2","Credit Quality of Applicants - Reasons for Change"]
[]
[]
[]
["In verifying data quality, respondents are encouraged to report and revise error. Additionally, the make-up of servey respondents may change from quarter to quarter.  Considering potential revisions and changes in survey sample, quarter to quarter estimates both past and present may vary.  For more questions about data quality and methodology, please contact:  Graham Redelsheimer, or anyone but me"]

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["A.1. Base Rates - Banks Using a Single Rate"]
["Period","Number of responses","Prime rate","Libor","Federal Home Loan Bank rate","U.S. Treasury rate","Proprietary rate","SOFR","Other rate"]
["2020:Q4",27,0.92592592592592593,0,0,0,0,0,7.407407407407407E-2]
["2020:Q3",36,0.94444444444444398,0,0,0,0,"*",5.5555555555555552E-2]
["2020:Q2",36,0.94444444444444442,0,0,0,0,"*",5.5555555555555552E-2]
["2020:Q1",36,0.94444444444444442,0,0,0,0,"*",5.5555555555555552E-2]
["2019:Q4",38,0.92105263157894735,0,0,0,2.6315789473684209E-2,"*",5.2631578947368418E-2]
["2019:Q3",42,0.90476190476190477,0,0,0,4.7619047619047616E-2,"*",4.7619047619047616E-2]
["2019:Q2",41,0.92682926829268297,0,0,0,2.4390243902439025E-2,"*",4.878048780487805E-2]
["2019:Q1",43,0.88372093023255816,0,0,2.3255813953488372E-2,4.6511627906976744E-2,"*",4.6511627906976744E-2]
["2018:Q4",34,0.94117647058823528,0,0,0,2.9411764705882353E-2,"*",2.9411764705882401E-2]
["2018:Q3",33,0.90909090909090906,0,0,0,3.0303030303030304E-2,"*",6.0606060606060608E-2]
["2018:Q2",41,0.90200000000000002,0,0,0,4.9000000000000002E-2,"*",4.9000000000000002E-2]
["2018:Q1",43,0.90700000000000003,0,0,0,2.3300000000000001E-2,"*",6.9800000000000001E-2]
["2017:Q4",35,0.91428571428571426,0,0,0,5.7142857142857141E-2,"*",2.8571428571428571E-2]

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["A.2. Base Rates - Banks Using Multiple Rates"]
[null,"Most Common"]
["Period","Number of responses","Prime rate","Libor","Federal Home Loan Bank rate","U.S. Treasury rate","Proprietary rate","SOFR","Other rate"]
["2020:Q4",78,0.82051282051282048,3.8461538461538464E-2,2.564102564102564E-2,3.8461538461538464E-2,3.8461538461538464E-2,0,3.8461538461538464E-2]
["2020:Q3",82,0.80487804878048785,4.878048780487805E-2,3.6585365853658534E-2,2.4390243902439025E-2,4.878048780487805E-2,"*",3.6585365853658534E-2]
["2020:Q2",82,0.79268292682926833,3.6585365853658534E-2,4.878048780487805E-2,1.2195121951219513E-2,4.878048780487805E-2,"*",6.097560975609756E-2]
["2020:Q1",77,0.77922077922077926,3.896103896103896E-2,6.4935064935064929E-2,2.5974025974025976E-2,6.4935064935064929E-2,"*",2.5974025974025976E-2]
["2019:Q4",82,0.80487804878048785,1.2195121951219513E-2,6.097560975609756E-2,2.4390243902439025E-2,4.878048780487805E-2,"*",4.878048780487805E-2]
["2019:Q3",86,0.79069767441860461,3.4883720930232558E-2,6.9767441860465115E-2,2.3255813953488372E-2,5.8139534883720929E-2,"*",2.3255813953488372E-2]
["2019:Q2",85,0.78823529411764703,3.5294117647058823E-2,4.7058823529411764E-2,3.5294117647058823E-2,5.8823529411764705E-2,"*",3.5294117647058823E-2]
["2019:Q1",90,0.74444444444444446,6.6666666666666666E-2,7.7777777777777779E-2,3.3333333333333333E-2,4.4444444444444446E-2,"*",3.3333333333333333E-2]
["2018:Q4",80,0.71250000000000002,8.7499999999999994E-2,8.7499999999999994E-2,2.5000000000000001E-2,6.25E-2,"*",2.5000000000000001E-2]
["2018:Q3",82,0.74390243902439024,7.3170731707317069E-2,6.097560975609756E-2,2.4390243902439025E-2,4.878048780487805E-2,"*",4.878048780487805E-2]
["2018:Q2",86,0.66300000000000003,5.8000000000000003E-2,7.0000000000000007E-2,2.3E-2,8.1000000000000003E-2,"*",0.105]
["2018:Q1",73,0.68489999999999995,8.2199999999999995E-2,6.8500000000000005E-2,4.1099999999999998E-2,6.8500000000000005E-2,"*",5.4800000000000001E-2]
["2017:Q4",62,0.75806451612903225,3.2258064516129031E-2,8.0645161290322578E-2,1.6129032258064516E-2,8.0645161290322578E-2,"*",3.2258064516129031E-2]
[]
[null,"Second Most Common"]
["Period","Number of responses","Prime rate","Libor","Federal Home Loan Bank rate","U.S. Treasury rate","Proprietary rate","SOFR","Other rate"]
["2020:Q4",78,0.15384615384615385,0.39743589743589741,0.16666666666666666,0.16666666666666666,8.9743589743589744E-2,0,2.564102564102564E-2]
["2020:Q3",82,0.14634146341463414,0.41463414634146339,0.13414634146341464,0.18292682926829268,8.5365853658536592E-2,"*",3.6585365853658534E-2]
["2020:Q2",82,0.15853658536585366,0.43902439024390244,0.14634146341463414,0.14634146341463414,8.5365853658536592E-2,"*",2.4390243902439025E-2]
["2020:Q1",77,0.16883116883116883,0.42857142857142855,0.14285714285714285,0.15584415584415584,7.792207792207792E-2,"*",2.5974025974025976E-2]
["2019:Q4",82,0.14634146341463414,0.45121951219512196,0.13414634146341464,0.13414634146341464,9.7560975609756101E-2,"*",3.6585365853658534E-2]
["2019:Q3",86,0.16279069767441862,0.43023255813953487,0.13953488372093023,0.13953488372093023,9.3023255813953487E-2,"*",3.4883720930232558E-2]
["2019:Q2",85,0.15294117647058825,0.44705882352941179,0.12941176470588237,0.14117647058823529,9.4117647058823528E-2,"*",3.5294117647058823E-2]
["2019:Q1",90,0.21111111111111111,0.43333333333333335,0.1111111111111111,0.14444444444444443,8.8888888888888892E-2,"*",1.1111111111111112E-2]
["2018:Q4",80,0.21249999999999999,0.38750000000000001,0.125,0.15,0.1125,"*",1.2500000000000001E-2]
["2018:Q3",82,0.1951219512195122,0.35365853658536583,0.15853658536585366,0.15853658536585366,0.12195121951219512,"*",1.2195121951219513E-2]
["2018:Q2",85,0.224,0.29399999999999998,0.129,0.129,0.11799999999999999,"*",0.106]
["2018:Q1",73,0.26029999999999998,0.39729999999999999,8.2199999999999995E-2,0.13700000000000001,6.8500000000000005E-2,"*",5.4800000000000001E-2]
["2017:Q4",62,0.20967741935483872,0.45161290322580644,9.6774193548387094E-2,0.12903225806451613,4.8387096774193547E-2,"*",6.4516129032258063E-2]
[]
[]
[]
[null,"Third Most Common"]
["Period","Number of responses","Prime rate","Libor","Federal Home Loan Bank rate","U.S. Treasury rate","Proprietary rate","SOFR","Other rate"]
["2020:Q4",52,1.9230769230769232E-2,0.36538461538461536,0.19230769230769232,0.13461538461538461,0.11538461538461539,1.9230769230769232E-2,0.15384615384615385]
["2020:Q3",55,1.8181818181818181E-2,0.36363636363636365,0.12727272727272726,0.18181818181818182,0.10909090909090909,null,0.2]
["2020:Q2",57,3.5087719298245612E-2,0.2982456140350877,0.12280701754385964,0.22807017543859648,0.12280701754385964,null,0.19298245614035087]
["2020:Q1",52,3.8461538461538464E-2,0.26923076923076922,0.11538461538461539,0.26923076923076922,0.13461538461538461,null,0.17307692307692307]
["2019:Q4",58,1.7241379310344827E-2,0.27586206896551724,0.1206896551724138,0.2413793103448276,0.13793103448275862,null,0.20689655172413793]
["2019:Q3",59,1.6949152542372881E-2,0.28813559322033899,0.10169491525423729,0.23728813559322035,0.13559322033898305,null,0.22033898305084745]
["2019:Q2",56,3.5714285714285712E-2,0.25,0.10714285714285714,0.25,0.14285714285714285,null,0.21428571428571427]
["2019:Q1",57,1.7543859649122806E-2,0.2982456140350877,8.771929824561403E-2,0.24561403508771928,0.15789473684210525,null,0.19298245614035087]
["2018:Q4",54,5.5555555555555552E-2,0.25925925925925924,0.12962962962962962,0.25925925925925924,0.1111111111111111,null,0.18518518518518517]
["2018:Q3",54,3.7037037037037035E-2,0.35185185185185186,0.1111111111111111,0.22222222222222221,0.1111111111111111,null,0.16666666666666666]
["2018:Q2",51,3.9E-2,0.39200000000000002,0.11799999999999999,0.27500000000000002,9.8000000000000004E-2,null,7.8E-2]
["2018:Q1",52,3.85E-2,0.30769999999999997,0.1923,0.25,5.7700000000000001E-2,null,0.15379999999999999]
["2017:Q4",41,2.4390243902439025E-2,0.31707317073170732,7.3170731707317069E-2,0.31707317073170732,7.3170731707317069E-2,null,0.1951219512195122]

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["A.3. Outstanding Fixed-Rate Term Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate2","Weighted average base rate2","Weighted average maturity2","Maximum maturity2","Secured",null,"SBA guarantees",null,"Other guarantees"]
[null,null,null,null,null,null,null,null,"Number3","Dollar amount4","Number3","Dollar amount4","Number3","Dollar amount4"]
["2020:Q4",105,992060,66386038,2.6017825490052591,"*",31.756400073310598,225.58295048636575,"*","*","*","*","*","*"]
["2020:Q3",115,1059943,72766706,2.5811991183577829,2.1394289322921938,31.160651628094865,225.97681952237866,0.31494052038647363,0.31942640085975582,0.65834860931201022,0.68374489838800734,0.11159751043216475,0.14213030338352817]
["2020:Q2",115,901595,65555875,2.7980092102347807,2.3712121698779853,33.79502873663116,218.30509884888275,0.38181999678347817,0.3652223084506156,0.59110243512885496,0.64742874685144547,9.6270498394511947E-2,0.11416795214769081]
["2020:Q1",106,305930,20999283,5.5975493080406586,4.1496947018619643,55.33768996160488,208.07738045151359,0.89485503219690776,0.94593853513950932,4.2032491092733631E-2,3.5679742017858417E-2,0.20778282613669793,0.23014371490683752]
["2019:Q4",111,312621,21236555,5.6547991313091996,4.2984825609897648,53.823299755068582,208.53349745285885,0.89299823108492393,0.93761968454864741,4.068184798845887E-2,3.2803154748969408E-2,0.2025423755921707,0.22559501764763634]
["2019:Q3",118,316437,21397525.664999999,5.7148151157324447,4.2562737398170114,53.549053597291255,211.17741748950027,0.89603301763068166,0.9400089889785862,4.0775889039524456E-2,3.3377971415088852E-2,0.19906964103439231,0.22099003754133364]
["2019:Q2",117,309170,20587212,5.8148705142299004,4.4406367390106052,53.453045607146827,197.24776268879918,0.90413364815473685,0.94124605118944715,4.1171523757156256E-2,3.1241238493099503E-2,0.16183653006436588,0.20629762786724107]
["2019:Q1",126,335604,21200015,5.7229220293004515,4.2585305323133014,53.427233810919468,202.51751873760466,0.90630326217804313,0.92528726984391285,3.8172965757261534E-2,3.2389646894117767E-2,0.17966710766260235,0.2165772995915333]
["2018:Q4",114,326373,20260640,5.6673025401468067,4.2961182351100451,53.082414301818673,204.21090878669196,0.90815416716456321,0.94754045281886456,3.860000674075368E-2,3.1663017555220371E-2,0.17620636510985896,0.21745053463266709]
["2018:Q3",112,326243,19897256,5.56548336308283,4.2337638609062473,52.431894861783974,198.0540411703,0.90250212265090746,0.98158916988352563,3.8667496314097161E-2,3.3852205550353273E-2,0.17586584233224928,0.22013166036563031]
["2018:Q2",107,298164,19211634,5.5133827416762164,4.2083356792035502,51.385263552803487,188.80576868162279,0.91009645698340513,0.94168210783111939,4.1316188406380384E-2,3.2296732282116138E-2,0.15427751170496773,0.19377628160103405]
["2018:Q1",97,295999,19140306,5.395329738145251,"*",50.965420454645667,201.75462108424745,0.91160443109605105,0.94462737429589683,4.001702708455096E-2,3.0811210646266574E-2,0.15432822408183811,0.18208919961885667]
["2017:Q4",97,277960,17849425,5.4050000000000002,4.3570000000000002,51.92,206.59,0.91246582242049212,0.94876344756203634,3.1785148942293853E-2,2.5830916121947906E-2,0.14734134407828464,0.19336734936839703]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the outstanding dollar amount of loans."]
["3 As a percentage of the number of outstanding loans."]
["4 As a percentage of the outstanding dollar amount of loans."]
["* Aggregate data not reported due to insufficient observations."]

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["A.4. Interest Rates - Outstanding Fixed-Rate Term Loans"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1,1.6869999999999998,2.8540000000000001,4.5004999999999997,10.054,"*","*","*","*","*"]
["2020:Q3",1,1.75,2.5425,4.7895000000000003,10.122999999999999,1.9E-2,1.8227499999999999,3.24,4.4935,8.7620000000000005]
["2020:Q2",1,1.75,2.6259999999999999,4.8689999999999998,10.24,1.4999999999999999E-2,1.74,3.1110000000000002,4.25,8.6820000000000004]
["2020:Q1",3.8149999999999999,4.851,5.2080000000000002,5.6139999999999999,8.1720000000000006,0.14599999999999999,4.2904999999999998,5.0180000000000007,5.6199999999999992,8.1630000000000003]
["2019:Q4",3.74,4.9022500000000004,5.2560000000000002,5.6407499999999997,8.19,2.0670000000000002,4.7300000000000004,5.0039999999999996,5.5549999999999997,8.1839999999999993]
["2019:Q3",3.8919999999999999,4.95,5.3040000000000003,5.64,9.0749999999999993,0.26300000000000001,4.649,5,5.524,9.0749999999999993]
["2019:Q2",3.895,4.9834999999999994,5.2869999999999999,5.5634999999999994,8.2409999999999997,0.30499999999999999,4.7417499999999997,5.2720000000000002,5.5,8.2379999999999995]
["2019:Q1",3.968,4.9325000000000001,5.2240000000000002,5.5075000000000003,8.1910000000000007,1.7230000000000001,4.8530000000000006,5.2694999999999999,5.5497500000000004,8.1910000000000007]
["2018:Q4",4.1769999999999996,4.87,5.1630000000000003,5.5830000000000002,8.0980000000000008,0.48299999999999998,4.6109999999999998,5.141,5.5259999999999998,8.0980000000000008]
["2018:Q3",3.8570000000000002,4.7460000000000004,5.0449999999999999,5.4029999999999996,8.3879999999999999,2.024,4.4817499999999999,5.0295000000000005,5.4277499999999996,8]
["2018:Q2",3.43,4.7110000000000003,5,5.399,7.8979999999999997,1E-4,4.3860000000000001,4.835,5.12,7.8979999999999997]
["2018:Q1",3.88,4.6204999999999998,4.9580000000000002,5.3025000000000002,8.1639999999999997,"*","*","*","*","*"]
["2017:Q4",3.01,4.5449999999999999,4.9400000000000004,5.2629999999999999,8,1.66,3.125,4.2249999999999996,4.5,5.5]
["* Data not reported due to insufficient observations."]

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["A.5. Maturities - Outstanding Fixed-Rate Term Loans"]
["Period","Weighted average maturity",null,null,null,null,"Maximum maturity"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",2,21.830000000000002,31.6,46.057500000000005,98.02,0,95.534999999999997,122,203.625,538]
["2020:Q3",2,23.95,30.7,42.239999999999995,93.3,2,114.5,131,229.5,840]
["2020:Q2",2,24.997500000000002,31.439999999999998,40.94,93.74,2,86,124,216,426]
["2020:Q1",3.77,36.755000000000003,47.2,57.445,105.71,15,90.5,129.5,228.25,426]
["2019:Q4",3.56,37.130000000000003,46.95,57,104.48,15,95,122,222,426]
["2019:Q3",3.86,36.344999999999999,45.43,52.727499999999999,106.81,13,91.75,123.5,226,873]
["2019:Q2",3.72,38.172499999999999,47.379999999999995,56.214999999999996,167.55,13,96.5,126,229.75,860]
["2019:Q1",2,36.909999999999997,45.77,55.09,102.59,3,97.5,122,219.5,949]
["2018:Q4",3.63,36.15,45.45,52.97,107.3,14,103,125,227.75,967]
["2018:Q3",4.13,35.849999999999994,44.704999999999998,53.94,96,10,96.5,120.5,210,426]
["2018:Q2",1.75,32.979999999999997,42.1,52.62,147.91999999999999,1,84,119,189,600]
["2018:Q1",2,33.692499999999995,42.94,54.059999999999995,103,5,97.5,121,238.5,381]
["2017:Q4",1.66,33,41.53,53,99.99,15,112.5,126,240,387]

{"sheet":"A.6","index":6,"n_rows":22,"n_cols":19,"rows_kept":22,"cut":false,"hidden":false,"merged":[[1,14,1,18],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,5,2,5],[1,6,2,6],[1,7,2,7],[1,8,1,9],[1,10,1,11],[1,12,1,13]]}
["A.6. Outstanding Variable-Rate Term Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate2","Weighted average base rate2","Weighted average maturity2","Maximum maturity2","Secured",null,"SBA guarantees",null,"Other guarantees",null,"Interest rate floor"]
[null,null,null,null,null,null,null,null,"Number3","Dollar amount4","Number3","Dollar amount4","Number3","Dollar amount4","Number with3","Dollar amount with3","Number at3","Dollar amount at4","Weighted average"]
["2020:Q4",105,51791,7802162,4.2403458131220564,"*",62.22813899531954,229.64046308189961,"*","*","*","*","*","*",0.24320827943078913,0.40207714220750607,"*","*",3.7253657138880221]
["2020:Q3",115,52931,8582882,0,"*",0,0,"*","*","*","*","*","*",0.2289584553475279,9.1915512761331212E-4,"*","*",0]
["2020:Q2",115,60256,8635652,4.1745521863317343,2.1742383333649848,54.165288729791335,225.02612402630402,0.61658590015932024,0.79904875740708403,0.2582149495485927,0.21382508234467995,0.23119689325544343,0.22197582765030366,0.22414365374402548,"*",0.14791887944768986,0.19426477583858173,"*"]
["2020:Q1",106,53415,7153465,4.8022349387324876,2.7110602157136436,55.510493964812859,234.31705669909616,0.66661050266778998,0.81776761331746228,0.2025648226153702,0.18309127115321036,0.2642703360479266,0.26674359908100481,0.21179443976411119,"*",9.8305719367218949E-2,0.16425326747247662,"*"]
["2019:Q4",111,50687,6988375,5.3618608273024808,3.4844006397767724,59.294136422272686,238.67337571323793,0.65361927121352614,0.7977402471962366,0.19673683587507645,0.17815758312912516,0.28462919486258803,0.27636009801992595,0.21392072918105234,"*",6.1179395111172492E-2,0.13587107160105175,"*"]
["2019:Q3",118,56394,7452810,5.5941287529133321,3.7533591199829326,58.332755965870604,236.19994968340794,0.66267688051920415,0.80074025770145763,0.19716636521615774,0.17663270632150826,0.25655211547327728,0.23959392497594867,0.21278859453133311,"*",5.3002092421179557E-2,0.11997890728463492,"*"]
["2019:Q2",117,48799,7159159,5.8406326188592841,4.0381030257883639,59.201661126677038,235.98170776763024,0.69939957786020202,0.81834011508893711,0.20576241316420418,0.16121753965794028,0.28275169573146991,0.24717470306218928,0.22793499866800548,"*",3.8381934056025739E-2,9.6255579740581257E-2,"*"]
["2019:Q1",126,57799,7812441,5.831096470872545,4.078185553529301,56.60789142599603,235.64509376774802,0.67288361390335472,0.82806922957882179,0.1886191802626343,0.16472060397000118,0.26811882558521771,0.25192203051517448,0.22220107614318588,"*",2.8633713386044743E-2,7.8540241135901065E-2,"*"]
["2018:Q4",114,55613,7940691,5.7016161592234242,3.9315775182537638,55.585202402410594,235.55202450265352,0.68753708665240143,0.84802040527707223,0.1874921331343391,0.15443756720920132,0.25673853235754229,0.25300380029899161,0.22908312804560085,"*",1.9923399205221799E-2,6.0886514788196643E-2,"*"]
["2018:Q3",110,61942,8141903,5.4226909559104293,3.6215270765323528,54.437847106505693,231.56417093153777,0.66286203222369311,0.88861965071310722,0.17416292660876304,0.15297381951123712,0.28562203351522392,0.2521108394438008,0.28492783571728392,"*",2.0745213264021182E-2,8.7473530451050566E-2,"*"]
["2018:Q2",107,52440,7739883,5.3024615171831391,3.4542958774699799,58.117525773195872,230.78968351330383,0.68941647597254008,0.85058004106780427,0.20015255530129672,0.15560403174053147,0.30816170861937453,0.23412860375279573,0.23215102974828375,"*",2.4046529366895501E-2,7.4664048539235028E-2,"*"]
["2018:Q1",97,52178,8070981,5.1286177307318646,3.220100434762073,54.208289505579046,234.44918631817359,0.73111272950285566,0.85711935141465456,0.19567633868680287,0.15930516996632751,0.25491586492391427,0.22566587630425594,0.2357698646939323,"*",2.6275441757062364E-2,7.6875661087543137E-2,"*"]
["2017:Q4",97,46047,7367857,4.835,3.0815811831180104,48.310016612840975,229.09115111513597,0.6774817034768823,0.8447111554960961,0.17975112385171674,0.12820417117216037,0.25708515212717442,0.1861553501920572,0.26225378417703649,"*",3.1706734423523793E-2,7.4396666493391495E-2,"*"]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the outstanding dollar amount of loans."]
["3 As a percentage of the number of outstanding loans."]
["4 As a percentage of the outstanding dollar amount of loans."]
["* Aggregate data not reported due to insufficient data."]

{"sheet":"A.7","index":7,"n_rows":16,"n_cols":16,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10],[1,11,1,15]]}
["A.7. Interest Rates - Outstanding Variable-Rate Term Loans"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate",null,null,null,null,"Weighted average interest rate floor"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1.8380000000000001,3.9027499999999997,4.6319999999999997,5.3550000000000004,10.173999999999999,"*","*","*","*","*",0.14499999999999999,3.8334999999999999,4.4104999999999999,4.89975,7]
["2020:Q3",1.855,4.0069999999999997,4.734,5.3605,7.0910000000000002,"*","*","*","*","*",0.94599999999999995,3.7909999999999999,4.3099999999999996,4.7750000000000004,6.9359999999999999]
["2020:Q2",1.6439999999999999,4.0925000000000002,4.7595000000000001,5.4670000000000005,7.1180000000000003,0.53,2.3639999999999999,3.25,3.9239999999999999,7.4,0.91600000000000004,3.887,4.508,5.1555,6.9379999999999997]
["2020:Q1",2.7909999999999999,4.4649999999999999,5.0009999999999994,5.6885000000000003,8.25,0.16,2.7524999999999999,3.2655000000000003,4.4547499999999998,7.617,1.048,3.9594999999999998,4.6025,5.2330000000000005,10]
["2019:Q4",3.4039999999999999,4.9580000000000002,5.4945000000000004,6.1372499999999999,9,1.54,3.6027499999999999,4.5495000000000001,4.7692499999999995,7.4189999999999996,1.171,4.0190000000000001,4.7430000000000003,5.3490000000000002,6.7910000000000004]
["2019:Q3",3.6869999999999998,5.1185,5.6,6.2130000000000001,7.99,1.6,3.9129999999999998,4.75,5,7.9349999999999996,1.198,3.9159999999999999,4.7249999999999996,5.3919999999999995,6.75]
["2019:Q2",4.0890000000000004,5.3957499999999996,5.9080000000000004,6.5477499999999997,8.5299999999999994,1.25,4.0839999999999996,4.9779999999999998,5.5,8.0739999999999998,1.653,3.9655,4.6879999999999997,5.2305000000000001,6.8579999999999997]
["2019:Q1",4.1379999999999999,5.4007499999999995,5.9485000000000001,6.5274999999999999,8.5500000000000007,1.3819999999999999,4.1180000000000003,4.95,5.5,8.0779999999999994,0.92100000000000004,3.9095,4.6459999999999999,5.2292499999999995,6.6580000000000004]
["2018:Q4",4.12,5.4390000000000001,5.9245000000000001,6.6222500000000002,8.48,2.419,4.0590000000000002,4.8929999999999998,5.5,8.25,0.99099999999999999,4.0295000000000005,4.68,5.1509999999999998,7.25]
["2018:Q3",3.9580000000000002,5.2575000000000003,5.6734999999999998,6.3425000000000002,8.5,1.5620000000000001,3.952,4.6399999999999997,5.21,8.25,0.4,3.9279999999999999,4.5984999999999996,5.1442499999999995,6.67]
["2018:Q2",3.5070000000000001,5.1470000000000002,5.5529999999999999,6.2249999999999996,8.25,0.75,3.6360000000000001,4.6550000000000002,5,9.3000000000000007,1.286,3.91,4.63,5.13,7.3890000000000002]
["2018:Q1",3.6459999999999999,4.9209999999999994,5.468,6.1675000000000004,7.45,0.84599999999999997,3.0340000000000003,4.0609999999999999,4.5664999999999996,6.6,1.0549999999999999,3.8680000000000003,4.5399999999999991,5.0297499999999999,7.11]
["2017:Q4",3.4359999999999999,4.8,5.2160000000000002,5.87,7.6769999999999996,0.95299999999999996,3.286,4.1120000000000001,4.5,5.1280000000000001,1.93,3.91675,4.5,4.9834999999999994,6]

{"sheet":"A.8","index":8,"n_rows":16,"n_cols":11,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.8. Maturities - Outstanding Variable-Rate Term Loans"]
["Period","Weighted average maturity",null,null,null,null,"Maximum maturity"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",3.24,31.15,57.92,95.6,211.14,10,107,181,270.02999999999997,393]
["2020:Q3",5.25,31.94,56.515000000000001,86.982500000000002,262,10,102.25,170,265.5,399]
["2020:Q2",1,31.05,54.55,88.555000000000007,262,1,91,162,245,401]
["2020:Q1",1.96,32.14,58.9,89.82,192,10,91.5,180,253,607]
["2019:Q4",4.9000000000000004,32.21,60.12,89.63,208.38,10,101,180,258,610]
["2019:Q3",7.07,33.475000000000001,56.215000000000003,89.81,188.91,10,102.5,172.5,258,613]
["2019:Q2",2.87,34,56.24,91.704999999999998,174.7,3,95.5,150,240,744]
["2019:Q1",3,34.677500000000002,58.12,89.912499999999994,200.6,6,100,165,256,619]
["2018:Q4",2,28.659999999999997,53.42,82.35,200.45,5,98.5,140,258.5,622]
["2018:Q3",2.2000000000000002,32.25,54.290000000000006,88.467500000000001,199.71,12,103.5,159,260.5,387]
["2018:Q2",1,31.63,54.21,80.739999999999995,193.59,1,100,151,252,378]
["2018:Q1",5,34.75,51.9,86.71,195.59,10,115.5,174,260.25,393]
["2017:Q4",1,32.07,53.51,85.56,162,5,109,167,272,396]

{"sheet":"A.9","index":9,"n_rows":23,"n_cols":14,"rows_kept":23,"cut":false,"hidden":false,"merged":[[1,7,2,7],[1,8,1,9],[1,10,1,11],[1,12,1,13],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,6,2,6],[1,5,2,5]]}
["A.9. Outstanding Fixed-Rate Loans Made Under Commitment"]
["Period","Number of responses","Number","Commitment dollar amount1","Outstanding dollar amount1","Weighted average commitment usage2","Weighted average interest rate3","Weighted average base rate3","Secured",null,"SBA guarantees",null,"Other guarantees"]
[null,null,null,null,null,null,null,null,"Number4","Dollar amount5","Number4","Dollar amount5","Number4","Dollar amount5"]
["2020:Q4",105,245718,9902924,5001783,0.50502265795435797,3.3303374902509759,"*","*","*","*","*","*","*"]
["2020:Q3",115,314737,11212202,5932788,0,0,"*","*","*","*","*","*","*"]
["2020:Q2",115,321012,11223318,5685055,0.50653959907399926,4.0209999999999999,"*",0.11896128493638868,0.35697108466498051,0.15418426725480666,0.32827921297427376,0.10978094276849464,0.2140673551261757]
["2020:Q1",106,287215,7941311,2790890,0.351439453762735,7.4279999999999999,"*",0.13261842173981164,0.48459643502187483,2.7669167696673224E-2,0.11323520763763062,0.12574203993524016,0.30735303024903571]
["2019:Q4",111,293365,8583297,3189003,0.3715359028121713,7.0679999999999996,"*",0.12658633442980588,0.47487649559370948,2.6584630068344894E-2,0.10661963578797284,0.11537504473948836,0.27409537384061161]
["2019:Q3",117,304944,8721230,3275996,0.37563462951900151,7.1989999999999998,"*",0.12391127551288106,0.47238348260509128,2.5926071672175876E-2,0.10801240192037133,0.10952830683666509,0.26697896970954788]
["2019:Q2",117,207179,7401707,3062881,0.41380738254027077,7.2229999999999999,"*",0.17128183841026359,0.57111420379109845,3.8531897537877877E-2,0.12801290296954473,0.14722534619821506,0.30917597791968798]
["2019:Q1",126,215101,7728987,3374121,0.43655410469703171,6.9720000000000004,"*",0.19294656928605633,0.57536000513391983,3.6871051273587759E-2,0.12458721951531294,0.14202165494349167,0.27209827109296469]
["2018:Q4",114,213644,7223305,3098479,0.42895585884854648,7.1189999999999998,"*",0.19052255153432812,0.58175945775514115,3.7145906273988505E-2,0.13647533919722343,0.14399655501675684,0.29092790627005227]
["2018:Q3",111,211500,7354167,2939550,0.39971216318585095,5.556,"*",0.19318203309692672,0.50108625490827174,3.500236406619385E-2,0.23036939465747786,0.14165484633569739,0.26932866767915387]
["2018:Q2",107,164296,6763409,2380272,0.3519337659455461,5.6020000000000003,"*",0.19805716511661878,0.48172497035148992,3.9958367823927546E-2,7.5780128038981528E-2,0.16256025709694696,0.22736522366161799]
["2018:Q1",97,163716,8145052,2412880,0.29623874715594206,5.4530000000000003,"*",0.20900217449730021,0.4170913825964524,3.4394927801803123E-2,6.18063580195682E-2,0.13927166556720175,0.15941211916142464]
["2017:Q4",97,124582,5557529,2202296,0.39627251607683917,5.4180000000000001,4.6732646850560968,0.15185179239376476,0.42834000506340136,1.3870382559278227E-2,7.5130332203394712E-2,2.7427718289961631E-2,0.10519585232933558]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the commitment dollar amount of loans."]
["3 Weighted by the outstanding dollar amount of loans."]
["4 As a percentage of the number of commitments."]
["5 As a percentage of the commitment dollar amount of loans."]
["* Aggregate data not reported due to insufficient observations."]

{"sheet":"A.10","index":10,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["A.10. Commitment Usage - Outstanding Fixed-Rate Loans Made Under Commitment"]
["Period","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",2.3438325833869008E-2,0.29314420876878367,0.45947566526610645,0.68187542078773999,0.99181372744293506]
["2020:Q3",2.3991889905178431E-2,0.30947842326781272,0.46259729280344042,0.62908275019493598,0.99990818106693602]
["2020:Q2",2.4848069241103204E-2,0.28987965960328338,0.48541848503203638,0.67062411056396598,0.99992649761117236]
["2020:Q1",1.1848341232227487E-2,0.34335330460227498,0.54668596639457356,0.68217224697698309,0.99969749678590336]
["2019:Q4",2.7182838922557014E-2,0.38839403321205213,0.54016942570020199,0.72873318080959271,0.99969710737543538]
["2019:Q3",3.1065071594919634E-2,0.39148623108212743,0.56247161556607272,0.75246241680061376,0.97994372700382371]
["2019:Q2",3.4919166099217615E-2,0.41547907526282918,0.55633423670862614,0.74754377250290172,0.98252076561935719]
["2019:Q1",3.6361178696945121E-2,0.41250953424844389,0.5521775849625512,0.72116824888622999,0.97241379310344822]
["2018:Q4",3.5617734522844009E-2,0.38238905274944357,0.54576663447278972,0.69048691803019524,0.98874172185430464]
["2018:Q3",4.2380130328620973E-3,0.38573779976279321,0.51335777894185441,0.71589964901902448,0.97999548370814127]
["2018:Q2",2.8311176760216644E-2,0.36856554564172961,0.55818000994530081,0.7235978348497063,0.98806932688432081]
["2018:Q1",5.1836014862670067E-2,0.34808826841718205,0.54612809615208846,0.73177484560980388,0.98579545454545459]
["2017:Q4",0.1010547404395734,0.46328319808692242,0.57012595015911482,0.74280314265587566,0.97826832404629238]

{"sheet":"A.11","index":11,"n_rows":17,"n_cols":11,"rows_kept":17,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.11. Interest Rates - Outstanding Fixed-Rate Loans Made Under Commitment"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1.284,3.66675,4.4710000000000001,5.4340000000000002,21.9,"*","*","*","*","*"]
["2020:Q3",1.1910000000000001,3.9335,4.6530000000000005,5.2722499999999997,27.077999999999999,1.1910000000000001,3.6389999999999998,4.45,5.0949999999999998,9.3800000000000008]
["2020:Q2",1.19,4.2552500000000002,4.8600000000000003,5.5374999999999996,26.584,1.19,3.9157500000000001,4.4954999999999998,5.2462499999999999,9.5449999999999999]
["2020:Q1",2.71,4.468,5.0054999999999996,5.66275,27.026,1.677,4.1864999999999997,4.74,5.327,11.401999999999999]
["2019:Q4",1,4.5525000000000002,5.0485000000000007,5.7447499999999998,26.701000000000001,1,4.5,4.7549999999999999,5.548,11.387]
["2019:Q3",0.60899999999999999,4.6470000000000002,5.1349999999999998,5.702,26.803999999999998,1,4.6139999999999999,5,5.4732500000000002,10.243]
["2019:Q2",1,4.6202499999999995,5.0975000000000001,5.7315000000000005,21.9,1,4.5137499999999999,4.968,5.5,10.343]
["2019:Q1",1,4.6434999999999995,5.258,5.7060000000000004,21.9,0.95099999999999996,4.5025000000000004,5.17,5.5,10.23]
["2018:Q4",2.052,4.4685000000000006,5.0960000000000001,5.5910000000000002,21.9,1,4.4577499999999999,5.0049999999999999,5.5,15.9]
["2018:Q3",1,4.3224999999999998,4.9550000000000001,5.4227499999999997,21.9,1,4.1280000000000001,4.8890000000000002,5.25,15.9]
["2018:Q2",1,4.492,4.9355000000000002,5.3689999999999998,21.9,1,4.2759999999999998,4.75,5,15.9]
["2018:Q1",1.9,4.3462500000000004,4.7290000000000001,5.2287499999999998,10,"*","*","*","*","*"]
["2017:Q4",2.4300000000000002,4.4192499999999999,4.875,5.3220000000000001,12.5,1.9359999999999999,3.5,4.4880000000000004,4.5,5.5970000000000004]
["* Data not reported due to insufficient observations."]

{"sheet":"A.12","index":12,"n_rows":24,"n_cols":19,"rows_kept":24,"cut":false,"hidden":false,"merged":[[1,6,2,6],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,5,2,5],[1,7,2,7],[1,8,1,9],[1,10,1,11],[1,12,1,13],[1,14,1,18]]}
["A.12. Outstanding Variable-Rate Loans Made Under Commitment"]
["Period","Number of responses","Number","Commitment dollar amount1","Outstanding dollar amount1","Weighted average commitment usage2","Weighted average interest rate3","Weighted average base rate3","Secured",null,"SBA guarantees",null,"Other guarantees",null,"Interest rate floor"]
[null,null,null,null,null,null,null,null,"Number4","Dollar amount5","Number4","Dollar amount5","Number4","Dollar amount5","Number with4","Dollar amount with3","Number at4","Dollar amount at6","Weighted average"]
["2020:Q4",105,2425202,71266238,22604056,0.31715066817473941,7.1330547498643613,"*","*","*","*","*","*","*",7.7240576248906276E-2,9.5467968998167133E-2,"*","*",2.6582459574069381]
["2020:Q3",115,2305684,70423088,23252821,0.33013479897388193,7.1586055740935715,2.7089491585988648,9.3394845087184541E-2,0.29865955324197085,2.096210929164621E-2,2.1636341763371696E-2,0.47877419455571535,0.21103381606895738,7.7308078643907832E-2,null,2.4312525046797394E-2,0.17325411828526097,"*"]
["2020:Q2",115,2335368,71880458,25399269,0.35335430110921112,7.1490560833857062,2.698516191863634,9.4095662867693664E-2,0.29294860642095522,1.9719804330623696E-2,2.3824222155067513E-2,0.46969342733136704,0.21356861693897386,8.1521199228558411E-2,null,2.1417181360710604E-2,0.14957910796566626,"*"]
["2020:Q1",106,2310379,70210912,28567987,0.40688813442560029,7.504382527757385,2.8521974201402438,9.46126155059408E-2,0.29507300802473552,2.0326102340784781E-2,2.3225378414113179E-2,0.48152402701028707,0.23790975681956675,8.1251604174033779E-2,null,1.8910750140994182E-2,0.12651216902331971,"*"]
["2019:Q4",111,2264182,71804402,28746971,0.40035109546626407,8.4026159847588779,3.9114792741468287,9.8427158240812801E-2,0.31546107716348643,2.0976670603334892E-2,2.3969714280191345E-2,0.49746663474932667,0.23298883541986742,8.3640361066380703E-2,null,5.8776193786541893E-3,4.508492390380886E-2,"*"]
["2019:Q3",117,2209019,72073805,28582609,0.39657416449707356,8.7106780578707834,4.1289181175868164,0.10293075795183292,0.31795003746506795,2.1815113405543367E-2,2.4184473124459017E-2,0.50785258071569328,0.22830187749904421,8.5066719661533022E-2,null,5.0275710620868354E-3,4.286785016721182E-2,"*"]
["2019:Q2",117,2120796,68729664,27167506,0.39528064621412951,9.1940938980560105,4.5389745333634997,9.7407765763420903E-2,0.30735085508347604,2.2685350217559821E-2,2.5640486180755956E-2,0.5173590482064282,0.21712591232804512,7.8075873398478685E-2,null,2.2986652181539386E-3,1.7690619080014191E-2,"*"]
["2019:Q1",126,2071236,72087092,29386844,0.40765750406466666,8.8653024200557251,4.5229656292455225,0.10997394792288276,0.33169798276784418,2.3323754511798751E-2,2.5048021079834931E-2,0.53543488042888399,0.23666633688039462,8.6796965676533236E-2,null,1.4353748196728909E-3,3.758450550184974E-2,"*"]
["2018:Q4",114,1992914,69529396,28129907,0.40457574232343407,8.7297333119160321,4.3922008489398836,0.11113023442055202,0.33804191251711724,2.4168127676357332E-2,2.5396984607776545E-2,0.55094499812836883,0.24365236827312581,8.6888847185578502E-2,null,8.7108625861427038E-4,2.8253452810917574E-2,"*"]
["2018:Q3",111,1947755,74236993,28296632,0.38116619297874854,8.2296707705001779,3.9008981469596815,0.11706297763322389,0.31473902775129914,2.4754653434338508E-2,2.3119969312334621E-2,0.56400522653003071,0.21681442565972467,8.9286896965994178E-2,null,1.7589481223254464E-3,8.9133682057991923E-2,"*"]
["2018:Q2",107,1857093,70132402,27489655,0.39196796653278754,8.2609999999999992,3.8690000000000002,0.115362559,0.32250054689414459,2.6020775480818676E-2,2.3051827028539532E-2,0.58601642459478331,0.21768330421650181,8.378147997973176E-2,null,1.7979713455384303E-3,2.026053073419801E-2,"*"]
["2018:Q1",97,1816821,69495099,27707288,0.39869412949537603,7.9071066154323635,4.1616588268607684,0.11789989217429786,0.33152264449612484,2.5526455275450912E-2,2.2296262935030859E-2,0.60242478483020612,0.23804667146383948,8.247978199283254E-2,null,3.4775027369234502E-3,4.5911870706163036E-3,"*"]
["2017:Q4",97,1657473,61726713,24043841,0.38952083840913415,7.8733476249403536,3.8662090706250756,0.10733689176233942,0.31152914298222878,2.2337618772673824E-2,1.7182625616238466E-2,0.64415649606358594,0.23686145413250823,6.729461053060895E-2,null,3.766577193112648E-3,3.6388986268874428E-2,"*"]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the commitment dollar amount of loans."]
["3 Weighted by the outstanding dollar amount of loans."]
["4 As a percentage of the number of commitments."]
["5 As a percentage of the commitment dollar amount of loans."]
["6 As a percentage of the outstanding dollar amount of loans."]
["* Aggregate data not reported due to insufficient data."]

{"sheet":"A.13","index":13,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["A.13. Commitment Usage - Outstanding Variable-Rate Loans Made Under Commitment"]
["Period","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1.4509232117494183E-2,0.27227017514455709,0.35647589287365189,0.46496815286624205,0.88940057714448051]
["2020:Q3",2.6108915043410758E-2,0.27194023276554913,0.37329101817601273,0.50265449309407606,0.80844283018196061]
["2020:Q2",7.8189300411522639E-2,0.30057717082643209,0.4075631425715644,0.52801602175263407,0.78126744435697415]
["2020:Q1",7.8298238074774387E-2,0.36153917245251971,0.44463895633218831,0.56064597834223728,0.95109118154918115]
["2019:Q4",0.15057265075203533,0.37278596184945512,0.44662952368837072,0.57170317366688939,0.9232346007994261]
["2019:Q3",0.18750260362424495,0.37066668439258033,0.43959300602959228,0.53718529647067315,0.83101559207753894]
["2019:Q2",0.18335464620630862,0.37953368591350473,0.44461634266529487,0.53901732045745177,0.78262533486414088]
["2019:Q1",5.7583864118895968E-2,0.38030898080107656,0.44224827149205131,0.52693105024767939,0.93333333333333335]
["2018:Q4",4.5807101270264182E-2,0.34077483574942657,0.42589537462380778,0.56266643933279825,0.98]
["2018:Q3",7.5366563628068109E-2,0.33990675263659009,0.42226342621544177,0.56665481171668519,0.83682276241581877]
["2018:Q2",0.18871797185131722,0.37290947808130959,0.42984887733853194,0.58530971574242108,0.8737535321454426]
["2018:Q1",4.0790521238233506E-2,0.36793834499443623,0.44409497823738148,0.5509090910888127,0.88190095662530255]
["2017:Q4",0.11767203808416959,0.35076078657904558,0.45522088844024666,0.57170938523800352,0.87719820969382134]

{"sheet":"A.14","index":14,"n_rows":16,"n_cols":11,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.14. Interest Rates - Outstanding Variable-Rate Loans Made Under Commitment"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",3.2519999999999998,4.0279999999999996,4.5410000000000004,5.2190000000000003,14,"*","*","*","*","*"]
["2020:Q3",3.2989999999999999,4.0615000000000006,4.7489999999999997,5.2835000000000001,13.96,0.58499999999999996,3.0747499999999999,3.25,3.7915000000000001,7.6890000000000001]
["2020:Q2",3.2879999999999998,4.1645000000000003,4.7590000000000003,5.3235000000000001,13.84,1.014,2.9722500000000003,3.2519999999999998,4.1812500000000004,7.7629999999999999]
["2020:Q1",3.343,4.4482499999999998,5.0150000000000006,5.6070000000000002,14.13,1.5129999999999999,3.1905000000000001,3.367,4.5805000000000007,7.681]
["2019:Q4",3.2909999999999999,5.319,5.7190000000000003,6.3230000000000004,14.58,1.9,4.4489999999999998,4.75,5,7.9109999999999996]
["2019:Q3",3.9809999999999999,5.4489999999999998,5.9234999999999998,6.5474999999999994,14.805,2.3490000000000002,4.6829999999999998,4.9820000000000002,5.2024999999999997,12]
["2019:Q2",5.1680000000000001,5.8800000000000008,6.2489999999999997,6.8949999999999996,14.55,2.2429999999999999,5.1742499999999998,5.4,5.5,11.65]
["2019:Q1",4.96,5.8929999999999998,6.3010000000000002,6.8419999999999996,13.81,2.198,5.0455000000000005,5.4215,5.5,11.5]
["2018:Q4",4.9130000000000003,5.8570000000000002,6.3410000000000002,6.9695,13.09,1.091,5.1245000000000003,5.3725000000000005,5.5,10.042]
["2018:Q3",1.843,5.4964999999999993,6.048,6.5445000000000002,12.25,1.698,4.79,5.1189999999999998,5.25,10.077]
["2018:Q2",4.548,5.492,5.89,6.5265000000000004,11.28,1.774,4.548,4.9169999999999998,5,10.75]
["2018:Q1",3.75,5.0775000000000006,5.6120000000000001,6.1864999999999997,12.888999999999999,1.8620000000000001,4.2292500000000004,4.5914999999999999,4.74925,8.3070000000000004]
["2017:Q4",4.3499999999999996,5.008,5.4984999999999999,5.8627500000000001,9.9489999999999998,1.266,4.0720000000000001,4.4425000000000008,4.5,5.25]

{"sheet":"A.15","index":15,"n_rows":17,"n_cols":3,"rows_kept":17,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,2]]}
["A.15. Net Drawdowns on Loans Made Under Commitment"]
["Period","Net drawn dollar amount1"]
[null,"Fixed rate","Variable rate"]
["2020:Q4",561683,1165722]
["2020:Q3",498864,2224596]
["2020:Q2",14136164,759230]
["2020:Q1",1126752,5127091]
["2019:Q4",501709,3816659]
["2019:Q3",644066,3288341]
["2019:Q2",403249,3094713]
["2019:Q1",599495,3813205]
["2018:Q4",635981,3797613]
["2018:Q3",569868,3988482]
["2018:Q2",469180,3405022]
["2018:Q1",185625,2629902]
["2017:Q4",835991,4000108]
["1 In thousands of U.S. dollars."]

{"sheet":"A.16","index":16,"n_rows":22,"n_cols":14,"rows_kept":22,"cut":false,"hidden":false,"merged":[[1,5,2,5],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,6,2,6],[1,7,2,7],[1,8,1,9],[1,10,1,11],[1,12,1,13]]}
["A.16. New Fixed-Rate Term Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate2","Weighted average base rate2","Weighted average maturity2","Maximum maturity2","Secured",null,"SBA guarantees",null,"Other guarantees"]
[null,null,null,null,null,null,null,null,"Number3","Dollar amount4","Number3","Dollar amount4","Number3","Dollar amount4"]
["2020:Q4",105,21216,2349467,5.405136613538307,"*",65.672543700337116,128.08146299564964,"*","*","*","*","*","*"]
["2020:Q3",115,60640,3555810,3.8402028347971351,"*",60.67527196897472,136.1027107747602,0.33387203166226914,0.54919301087515926,0.62445580474934037,0.30965293421189544,7.5808047493403696E-2,0.10973617825474365]
["2020:Q2",115,552357,45189513,1.2001883334082404,"*",24.085103588746353,140.8533014728439,4.8396236491978918E-2,5.7758843296231141E-2,0.93894709399898979,0.92931685278396337,5.128205128205128E-2,6.9488622282784948E-2]
["2020:Q1",106,19797,1939129,5.3866779157033911,"*",64.0192422577353,133.9758659686901,0.84568368944789618,0.92350431559736357,3.278274486033237E-2,2.7735648324582841E-2,0.19154417335959995,0.19298148808047325]
["2019:Q4",111,22772,2309712,5.3278873773007209,"*",61.945990547739299,132.2315163102586,0.88428772176356929,0.92233100923405165,2.9729492359037414E-2,2.0370938021710066E-2,0.1640172141226067,0.17462177102599805]
["2019:Q3",117,22565,2248618,5.7029979160533273,"*",62.075964894882098,136.86720999298234,0.87006425880788829,0.91314709746164091,3.4478174163527588E-2,2.8361864932149435E-2,0.15851983159760691,0.16358447722111982]
["2019:Q2",117,27111,2235509,6.240560125233225,"*",62.298075346598935,130.5428522094968,0.89388071262587143,0.91788760412058279,3.0762421157463759E-2,2.0763056646159777E-2,0.12932020213197595,0.14101218111848354]
["2019:Q1",126,25431,2147182,6.4218677843797103,"*",62.219170815515426,121.35356388047211,0.89571782470213523,0.89977514714635276,2.5755967126735085E-2,2.3657519483676746E-2,0.12142660532421061,0.13592885931420812]
["2018:Q4",114,25705,2226977,6.4370950422927642,"*",62.58410156907771,135.11738154457811,0.90355961875121571,0.94300749401542994,3.0033067496595994E-2,2.5851187506651392E-2,0.12246644621668935,0.14444199468606994]
["2018:Q3",112,26226,2187468,6.24768069064325,"*",58.657267905176226,118.19208372419618,0.90452222984824215,0.88714897772218837,3.1914893617021274E-2,2.7472401881993246E-2,0.12525737817433083,0.15154004538580679]
["2018:Q2",107,23619,2065986,6.2436033458116382,"*",58.083976793647189,115.08671694774313,0.89190905626825856,0.91692150866462796,4.3312587323764765E-2,3.4345828093704407E-2,0.13353655954951521,0.13765969372493328]
["2018:Q1",97,21027,1906826,5.9344583506832844,"*",53.196426862965367,142.0864852656531,0.89018880486992913,0.89688728809026097,3.8807247824225996E-2,2.4737443269600898E-2,0.1312122509154896,0.15047256540449941]
["2017:Q4",97,16556,1535667,4.9698414368156296,4.2938800056641178,63.592312858484085,133.14127802446754,0.87901667069340417,0.92941829185624225,3.291857936699686E-2,2.649142034047746E-2,0.16024402029475718,0.21050136520482632]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the outstanding dollar amount of loans."]
["3 As a percentage of the number of outstanding loans."]
["4 As a percentage of the outstanding dollar amount of loans."]
["* Aggregate data not reported due to insufficient observations."]

{"sheet":"A.17","index":17,"n_rows":19,"n_cols":11,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.17. Interest Rates - New Fixed-Rate Term Loans"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",2.8769999999999998,3.7605,4.1630000000000003,4.7344999999999997,10.221,"*","*","*","*","*"]
["2020:Q3",1,2.6604999999999999,3.7330000000000001,4.6150000000000002,10.069000000000001,0.161,2.694,3.75,4.6880000000000006,8.6999999999999993]
["2020:Q2",1,1.04,1.167,3.7440000000000002,10.125999999999999,2.5999999999999999E-2,1.0245,1.212,3.5875000000000004,8]
["2020:Q1",3,4.54,4.97,5.4210000000000003,8,1.571,4.2415000000000003,4.7534999999999998,5.29725,7.8490000000000002]
["2019:Q4",3.63,4.6245000000000003,5.0979999999999999,5.5839999999999996,9.5,1.3660000000000001,4.593,4.8390000000000004,5.2679999999999998,9.5]
["2019:Q3",3.5,4.9050000000000002,5.38,6.0310000000000006,9.7970000000000006,1,4.7349999999999994,5.0739999999999998,5.7665000000000006,9.7970000000000006]
["2019:Q2",3.79,5.2424999999999997,5.6820000000000004,6.1259999999999994,8.9510000000000005,1,5.1385000000000005,5.5,5.7850000000000001,8.9510000000000005]
["2019:Q1",4.5119999999999996,5.4589999999999996,5.7910000000000004,6.1715,9,1,5.4532500000000006,5.5,5.9677499999999997,9]
["2018:Q4",4.867,5.3860000000000001,5.774,6.1835000000000004,8.8960000000000008,1,5.2125000000000004,5.5,5.9904999999999999,8.8960000000000008]
["2018:Q3",4.5199999999999996,5.2350000000000003,5.63,5.9740000000000002,8.7620000000000005,1,5.0105000000000004,5.3239999999999998,5.9252500000000001,8.7620000000000005]
["2018:Q2",3.1339999999999999,5.0510000000000002,5.484,5.78,8.58,2,4.8170000000000002,5.0419999999999998,5.6559999999999997,8.58]
["2018:Q1",3.847,4.8875000000000002,5.2619999999999996,5.6995000000000005,8.3610000000000007,"*","*","*","*","*"]
["2017:Q4",2.9860000000000002,4.72,5.0599999999999996,5.45,8.2349999999999994,2,4.0279999999999996,4.5,4.5,6.15]
[]
[]
["* Data not reported due to insufficient observations."]

{"sheet":"A.18","index":18,"n_rows":16,"n_cols":11,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.18. Maturities - New Fixed-Rate Term Loans"]
["Period","Weighted average maturity",null,null,null,null,"Maximum maturity"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",3.34,50.09,61.46,73.302499999999995,141.86000000000001,24,72,95,121.5,242]
["2020:Q3",4.1900000000000004,47.17,58.47,68.675000000000011,138.78,7,73.5,117.5,124.5,712]
["2020:Q2",1,22.212499999999999,24,37.39,147,2,60,84.5,121,297]
["2020:Q1",0.5,45.602499999999999,56.225000000000001,66.25,136.09,3,69.75,84,121,299]
["2019:Q4",1,41.542500000000004,56.69,61.967500000000001,202.89,1,61,84,120,247]
["2019:Q3",3.9,41.152500000000003,56.254999999999995,65.392499999999998,169.32,7,71,87,121,592]
["2019:Q2",3,40.984999999999999,55.77,63.475000000000001,163.12,3,63.5,84,120,714]
["2019:Q1",2.5,40.212499999999999,53.774999999999999,63.032499999999999,210.67,3,68,84,120,810]
["2018:Q4",2.6,40.06,53.445,64.337500000000006,134,5,81.25,94.5,120,360]
["2018:Q3",4,41.2,52.61,63.29,103.23,4,71,84,120,243]
["2018:Q2",1.5,34.619999999999997,52.68,60.094999999999999,113.55,1,60,84,120,304]
["2018:Q1",1.03,32.85,51.4,60.25,131.4,5,60,84,120,360]
["2017:Q4",2,36.35,51.1,60.37,99.99,5,60,83.5,119,360]

{"sheet":"A.19","index":19,"n_rows":22,"n_cols":19,"rows_kept":22,"cut":false,"hidden":false,"merged":[[1,10,1,11],[1,12,1,13],[1,14,1,18],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,5,2,5],[1,6,2,6],[1,7,2,7],[1,8,1,9]]}
["A.19. New Variable-Rate Term Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate2","Weighted average base rate2","Weighted average maturity2","Maximum maturity2","Secured",null,"SBA guarantees",null,"Other guarantees",null,"Interest rate floor"]
[null,null,null,null,null,null,null,null,"Number3","Dollar amount4","Number3","Dollar amount4","Number3","Dollar amount4","Number with3","Dollar amount with3","Number at3","Dollar amount at4","Weighted average"]
["2020:Q4",105,3276,791179,3.7809270481142701,"*",61.386873236018637,144.86848111489314,"*","*","*","*","*","*",0.58424908424908428,0.41169318194744803,"*","*",3.1893076547785006]
["2020:Q3",115,3214,672746,4.0560050583727012,2.4069131098512666,57.941929643580188,168.72778582109743,0.80927193528313623,0.70298894382129362,0.16988176726820162,0.22627410642352389,0.11200995644057249,0.33103578467950756,0.57249533291848165,"*",0.4819539514623522,0.28211836265098567,"*"]
["2020:Q2",115,8234,913254,2.6389924435042165,1.7821554813885294,39.779196192953997,132.97655745280068,0.34005343696866652,0.37031428277346717,0.62326937090114165,0.55856640102315458,4.8093271799854266E-2,0.12557185624152756,0.21714840903570562,"*",0.19067282001457372,0.18295019786390204,"*"]
["2020:Q1",105,4503,782162,4.3213243637507315,2.8539810985448009,52.726910179732599,154.85657446922761,0.81479013990672888,0.76066850601282088,0.13968465467466135,0.14591862043924406,8.6386853208971798E-2,0.22001580235296525,0.46413502109704641,"*",0.14790139906728847,0.14525123951304206,"*"]
["2019:Q4",111,4302,819155,5.0996095928121061,3.4859234442809965,53.337779846305025,137.93079087596362,0.78777312877731287,0.66369002203490179,0.15643886564388657,0.14338678272121883,0.10483496048349605,0.23590529264913235,0.40539284053928404,"*",8.7866108786610872E-2,0.16642881994250172,"*"]
["2019:Q3",117,4795,778084,5.2850159597164312,4.0572066769140607,57.003763424000475,149.68808637627811,0.79082377476538057,0.64995296137692071,0.15557872784150156,0.13864055808884387,8.1543274244004177E-2,0.14560253134622997,0.38519290928050054,"*",8.7591240875912413E-2,0.11690640085132196,"*"]
["2019:Q2",117,4822,645803,5.9288577213174918,4.4831156993696233,59.304345504743701,149.88296121262988,0.8320199087515554,0.70534048308849606,0.13873911240149317,0.13976708067320839,8.9589381999170464E-2,0.22565240483553034,0.3819991704686852,"*",8.4197428452924092E-2,0.14306065471978296,"*"]
["2019:Q1",124,4126,788606,5.6214155725419275,4.1179914152314367,56.060137432380671,153.55615605257881,0.79326223945710128,0.70591144373743031,0.16262724188075617,0.11673636771721239,0.10373242850218128,0.20716175124206512,0.4062045564711585,"*",9.3068347067377599E-2,0.1076748084594842,"*"]
["2018:Q4",114,4242,959730,5.5607042699509233,3.8375266366582252,50.838337740822922,159.7427964114907,0.79325789721829321,0.79851312348264614,0.16548797736916548,0.1084513352713784,9.5238095238095233E-2,0.16315630437727277,0.39556812824139559,"*",3.0645921735030647E-2,5.7650589228220438E-2,"*"]
["2018:Q3",112,5600,954422,5.2313202943771202,3.6763678456699447,59.43567923832434,168.52906680692615,0.83392857142857146,0.84574643082410084,0.12160714285714286,0.14145315175048354,9.3571428571428569E-2,0.16906043657836889,0.48,"*",1.9464285714285715E-2,9.3862044252961477E-2,"*"]
["2018:Q2",107,5025,870719,5.09050392262027,3.3782710231429429,61.954561942486613,175.64341997820196,0.81512437810945271,0.85093928121472029,0.13114427860696518,0.13040257534290625,0.10348258706467661,0.25096156165192213,0.4224875621890547,"*",3.2835820895522387E-2,7.2112817108619429E-2,"*"]
["2018:Q1",97,5989,805714,5.0896168255733434,3.4387675693551629,52.358135769166665,168.52626175153105,0.86775755551845046,0.81233291217479153,9.2836867590582739E-2,0.12405394469998039,5.7271664718650861E-2,0.20834067671655201,0.14543329437301719,"*",2.9220237101352478E-2,4.6832995330849406E-2,"*"]
["2017:Q4",97,3202,791644,4.7290302673929183,2.7968637342727729,60.903790879697091,186.16593058980473,0.78513429106808241,0.84065059546968079,0.17738913179262961,0.1194501568887025,0.1146158650843223,0.18022621279261891,0.49000624609618987,"*",4.9656464709556529E-2,7.4892249546513329E-2,"*"]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the outstanding dollar amount of loans."]
["3 As a percentage of the number of outstanding loans."]
["4 As a percentage of the outstanding dollar amount of loans."]
["* Aggregate data not reported due to insufficient data."]

{"sheet":"A.20","index":20,"n_rows":16,"n_cols":16,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10],[1,11,1,15]]}
["A.20. Interest Rates - New Variable-Rate Term Loans"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate",null,null,null,null,"Weighted average interest rate floor"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1.85,3.7324999999999999,4.25,4.9314999999999998,7,"*","*","*","*","*",0.42399999999999999,3.8784999999999998,4.25,4.7729999999999997,7]
["2020:Q3",1.45,3.86625,4.4820000000000002,5.0442499999999999,7,7.0999999999999994E-2,2.5952500000000001,3.25,3.3079999999999998,7.48,1,3.4989999999999997,3.9314999999999998,4.52325,7]
["2020:Q2",1.3340000000000001,3.9780000000000002,4.375,5,6.58,0.28000000000000003,2.472,3.25,3.6775000000000002,6.5,1.0049999999999999,3.25,4.0519999999999996,4.8872499999999999,29.041]
["2020:Q1",2.266,4.05,4.8319999999999999,5.6420000000000003,7.51,1.5089999999999999,2.6040000000000001,3.25,4.2602500000000001,26.04,1,4.1102500000000006,4.6315,5.0579999999999998,7.51]
["2019:Q4",3.3650000000000002,4.8557499999999996,5.5975000000000001,6.1669999999999998,8.25,1.367,4.3667499999999997,4.75,4.7582500000000003,7.4,2.4,4.0830000000000002,4.9589999999999996,5.306,7.3659999999999997]
["2019:Q3",3.246,5.274,5.7215000000000007,6.1767500000000002,8.0399999999999991,1.58,4.3380000000000001,5,5.1742500000000007,8.0399999999999991,1,4.0145,5,5.6797500000000003,7]
["2019:Q2",3.9359999999999999,5.5024999999999995,5.9935,6.5779999999999994,9.1,1.4410000000000001,4.5404999999999998,5.3689999999999998,5.5,8.25,1.54,4.0590000000000002,5.0629999999999997,6.16,7]
["2019:Q1",3.4,5.57,5.9790000000000001,6.6529999999999996,8.39,1.1499999999999999,4.7374999999999998,5.4870000000000001,5.5,8.1129999999999995,0.749,4.5514999999999999,5.4785000000000004,5.94625,12.1]
["2018:Q4",4.0369999999999999,5.5127500000000005,5.9630000000000001,6.6767500000000002,8.9239999999999995,2.347,4.3302499999999995,5.3149999999999995,5.5,8.25,1.03,4,5.16,5.75,9.7070000000000007]
["2018:Q3",3.448,5.25,5.9405000000000001,6.4712499999999995,7.6790000000000003,1,4.1390000000000002,5.0694999999999997,5.25,7,0.42,4.0960000000000001,4.99,5.77,7.0449999999999999]
["2018:Q2",3.73,5.0185000000000004,5.6849999999999996,6.3085000000000004,8.4649999999999999,1.633,3.7650000000000001,4.8289999999999997,5,9.3000000000000007,1.1339999999999999,4.0309999999999997,5.0999999999999996,5.6109999999999998,7]
["2018:Q1",3.8980000000000001,4.9949999999999992,5.46,6.2225000000000001,9.4589999999999996,1.835,3.371,4.4235000000000007,4.7342499999999994,6.58,1.5,4,4.7799999999999994,5.2705000000000002,7.6449999999999996]
["2017:Q4",3.5329999999999999,5,5.4420000000000002,6.0019999999999998,7.6440000000000001,1.5669999999999999,3.5075000000000003,4.3129999999999997,4.5,5,1,4,4.7759999999999998,5,6.25]

{"sheet":"A.21","index":21,"n_rows":16,"n_cols":11,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.21. Maturities - New Variable-Rate Term Loans"]
["Period","Weighted average maturity",null,null,null,null,"Maximum maturity"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1,31.77,57.495000000000005,107.46000000000001,251.64,1,60,119,121.925,302]
["2020:Q3",2.56,28.744999999999997,61,101.825,232.6,3,63,119,126.5,603]
["2020:Q2",1,24.4025,45.78,83.142499999999998,327.51,1,36,84.5,121.25,353]
["2020:Q1",1,24.93,58.85,82.75,176,1,58.5,118,123,362]
["2019:Q4",2.46,20.55,57.55,85.7,165.67,3,58,119,122,440]
["2019:Q3",2,21.1,59.79,91.424999999999997,330.54,9,60,119,148,535]
["2019:Q2",3,20.75,53.67,113.2,263.12,6,59,119,123,357]
["2019:Q1",1,17.149999999999999,56.08,84.444999999999993,182.8,2,60,114,122,312]
["2018:Q4",4.3899999999999997,21.52,48.27,81.365000000000009,225.38,5,62.5,118,121.5,303]
["2018:Q3",1,17.344999999999999,57.4,85.759999999999991,240,1,58.25,118.5,122,352]
["2018:Q2",1,24.61,57.29,84.48,185.52,1,58,119,129.5,302]
["2018:Q1",1,21.447499999999998,44.155000000000001,76.644999999999996,121.22,7,58,119,123,306]
["2017:Q4",1,15.450000000000001,48.254999999999995,79.087500000000006,223.48,4,40.75,84,120,300]

{"sheet":"A.25","index":22,"n_rows":23,"n_cols":14,"rows_kept":23,"cut":false,"hidden":false,"merged":[[1,7,2,7],[1,8,1,9],[1,10,1,11],[1,12,1,13],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,6,2,6],[1,5,2,5]]}
["A.25. New Fixed-Rate Loans Made Under Commitment"]
["Period","Number of responses","Number","Commitment dollar amount1","Outstanding dollar amount1","Weighted average commitment usage2","Weighted average interest rate3","Weighted average base rate3","Secured",null,"SBA guarantees",null,"Other guarantees"]
[null,null,null,null,null,null,null,null,"Number4","Dollar amount5","Number4","Dollar amount5","Number4","Dollar amount5"]
["2020:Q4",105,4782,755793,258851,0.34196003403048192,3.7169884875855224,"*","*","*","*","*","*","*"]
["2020:Q3",115,4857,751258,254967,0.33936543770582145,3.8463210611569343,"*",0.29421453572163886,0.38911399279608339,0.33395099855878113,5.4326210170141283E-2,0.10809141445336627,0.14741673299984825]
["2020:Q2",115,45228,3431492,3009933,0.87714993944325048,1.2349997993310808,"*",2.9870876448217919E-2,7.4273523003987776E-2,0.88902892013796764,0.75714470556830671,1.3111346953214822E-2,3.1298047613108233E-2]
["2020:Q1",106,6619,747192,202131,0.27052082998747318,4.9583988156195744,"*",0.22239008913733194,0.29518651163288684,1.6014503701465479E-2,3.0819387787877815E-2,9.0799214382837293E-2,0.1167798905769869]
["2019:Q4",111,6658,912892,344560,0.37743785683300973,4.7342013495472477,"*",0.24421748272754581,0.36236597538372556,2.042655452087714E-2,3.6115991815023028E-2,7.9002703514568937E-2,0.11169229218790394]
["2019:Q3",117,8259,852773,262533,0.30785801145205116,5.452428167125654,"*",0.2397384671267708,0.35097265040051689,1.876740525487347E-2,3.8288032102329693E-2,8.221334301973604E-2,0.123484209748667]
["2019:Q2",117,7351,893572,323159,0.36164852972116412,5.4758822344418698,"*",0.38647803019997279,0.39946417300452564,2.3806284859202831E-2,4.8638498072902908E-2,7.9444973472996866E-2,0.11437130975455811]
["2019:Q1",126,7482,893141,284243,0.31825098164791454,5.4302770270507974,"*",0.34923817161186849,0.33687514065528285,2.2052927024859663E-2,3.9654433062640722E-2,6.0278000534616412E-2,8.1388045112697774E-2]
["2018:Q4",114,7124,1151385,478881,0.41591735171119987,5.590456033962508,"*",0.31807973048848959,0.41061243632668482,9.0819764177428416E-2,0.17518988001407002,0.11412128017967434,0.19000421231820808]
["2018:Q3",112,7730,1172266,602512,0.51397208483398837,5.7225165988395261,"*",0.34683053040103495,0.5164706645078847,0.11228978007761967,0.30018613522869381,0.15976714100905562,0.29613671299858563]
["2018:Q2",107,7063,736870,210099,0.28512356317939391,5.4616116497460716,"*",0.27098966444853462,0.38184347306851957,3.0015574118646467E-2,3.5492013516631157E-2,8.4808155174854877E-2,0.1149619335839429]
["2018:Q1",97,6206,669497,241887,0.36129661522008316,5.3234285111295963,"*",0.30744440863680311,0.45033958329910367,2.5136964228166289E-2,2.9208495333063481E-2,6.3003544956493712E-2,8.8732287075222141E-2]
["2017:Q4",97,4430,681534,240821,0.35335141020110516,5.2416198311394755,"*",0.3523702031602709,0.49211191224502371,2.1670428893905191E-2,3.8153635768721737E-2,7.7200902934537241E-2,7.5124645285488331E-2]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the commitment dollar amount of loans."]
["3 Weighted by the outstanding dollar amount of loans."]
["4 As a percentage of the number of commitments."]
["5 As a percentage of the commitment dollar amount of loans."]
["* Aggregate data not reported due to insufficient observations."]

{"sheet":"A.26","index":23,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["A.26. Commitment Usage - New Fixed-Rate Loans Made Under Commitment"]
["Period","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",8.0000000000000004E-4,0.25915720514352747,0.48648993305049415,0.64724453611231736,0.9931510543062072]
["2020:Q3",1.7073170731707318E-2,0.23534558180227472,0.44285714285714284,0.64358974358974363,0.98748261474269816]
["2020:Q2",9.1743119266055051E-3,0.17334588259343803,0.44204980842911878,0.74880040256460711,0.9999435155896973]
["2020:Q1",7.7220077220077222E-3,0.23558449809402796,0.43192702937639171,0.71169749690637296,1.3280000000000001]
["2019:Q4",4.1103397880891485E-2,0.28464818763326227,0.51160609613130126,0.74086244541484714,0.98597896845267907]
["2019:Q3",9.247027741083224E-3,0.24698795180722891,0.39539748953974896,0.61514937661726654,0.99942254944420383]
["2019:Q2",6.4516129032258064E-3,0.22952624776297476,0.4621074132846934,0.61385319601111654,0.99119241192411922]
["2019:Q1",3.3743409490333921E-2,0.25383597883597886,0.44504504504504505,0.71732388125830748,0.99016930638995082]
["2018:Q4",6.2500000000000001E-4,0.26389837960075513,0.46630327056491577,0.72965116279069764,0.98874172185430464]
["2018:Q3",1.1793037503984135E-2,0.28184417623069202,0.43333333333333335,0.7039503846705093,0.9989354151880766]
["2018:Q2",0,0.32500000000000001,0.46500000000000002,0.65500000000000003,1]
["2018:Q1",8.3929893853369533E-3,0.35263303005238489,0.56637608966376085,0.80511049723756911,0.9880239520958084]
["2017:Q4",2.8985507246376812E-3,0.2272334293948127,0.47520892240025137,0.742173996543115,0.98157233456982174]

{"sheet":"A.27","index":24,"n_rows":17,"n_cols":11,"rows_kept":17,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10]]}
["A.27. Interest Rates - New Fixed-Rate Loans Made Under Commitment"]
["Period","Weighted average interest rate",null,null,null,null,"Weighted average base rate"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",2.58,3.63225,4.2110000000000003,5.25,21.9,"*","*","*","*","*"]
["2020:Q3",1.44,3.1375000000000002,4,4.7134999999999998,21.9,"*","*","*","*","*"]
["2020:Q2",1,3.6307499999999999,4.3979999999999997,5.3224999999999998,30.454999999999998,"*","*","*","*","*"]
["2020:Q1",2.1,4.3562500000000002,4.92,5.7394999999999996,33.234999999999999,"*","*","*","*","*"]
["2019:Q4",1,4.1362500000000004,4.8390000000000004,5.48,33.963000000000001,"*","*","*","*","*"]
["2019:Q3",1,4.7119999999999997,5.5,5.8049999999999997,31.824000000000002,"*","*","*","*","*"]
["2019:Q2",1,4.8584999999999994,5.5794999999999995,6.1187499999999995,21.9,"*","*","*","*","*"]
["2019:Q1",1,4.9924999999999997,5.6379999999999999,6.3049999999999997,21.9,"*","*","*","*","*"]
["2018:Q4",1,4.6872500000000006,5.3155000000000001,5.8439999999999994,21.9,"*","*","*","*","*"]
["2018:Q3",0.75,4.24,5.0709999999999997,5.7809999999999997,21.9,"*","*","*","*","*"]
["2018:Q2",1,4.4820000000000002,5.1980000000000004,5.7190000000000003,21.9,"*","*","*","*","*"]
["2018:Q1",2,4.5659999999999998,5.0979999999999999,5.6580000000000004,10,"*","*","*","*","*"]
["2017:Q4",1.87,4.4412500000000001,4.9775,5.3722500000000002,7.38,"*","*","*","*","*"]
["* Data not reported due to insufficient observations."]

{"sheet":"A.28","index":25,"n_rows":24,"n_cols":19,"rows_kept":24,"cut":false,"hidden":false,"merged":[[1,7,2,7],[1,8,1,9],[1,10,1,11],[1,12,1,13],[1,14,1,18],[1,6,2,6],[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4],[1,5,2,5]]}
["A.28. New Variable-Rate Loans Made Under Commitment"]
["Period","Number of responses","Number","Commitment dollar amount1","Outstanding dollar amount1","Weighted average commitment usage2","Weighted average interest rate3","Weighted average base rate3","Secured",null,"SBA guarantees",null,"Other guarantees",null,"Interest rate floor"]
[null,null,null,null,null,null,null,null,"Number4","Dollar amount5","Number4","Dollar amount5","Number4","Dollar amount5","Number with4","Dollar amount with3","Number at4","Dollar amount at6","Weighted average"]
["2020:Q4",105,72382,3094774,1020940,0.3295752775485381,3.7782263590416667,"*","*","*","*","*","*","*",6.2460280180155286E-2,0.15782703357337241,"*","*",3.0295376525554869]
["2020:Q3",115,77513,3535385,1218749,0.34472879191375194,4.0058503005951192,2.2343890866782248,0.12903641969734109,0.4628811289293811,1.0940100370260473E-2,1.6405285421531177E-2,0.35094758298607975,0.26983822129697332,6.7124224323661844E-2,"*",3.6884135564356949E-2,0.39641632526467713,"*"]
["2020:Q2",115,73698,3342129,1056530,0.31612484138104779,4.0693972050012786,2.2320768061484291,0.13195744796330972,0.45636718391181191,1.5427827078075388E-2,1.7054996979470272E-2,0.32908627099785609,0.27112388540358556,8.884908681375342E-2,"*",3.5306249830388887E-2,0.3595723737139504,"*"]
["2020:Q1",106,125314,4833841,1459582,0.30195076751593619,5.2035866028767144,2.7250287328837985,9.7634741529278452E-2,0.37513377043225044,1.4060679572912843E-2,1.7072551620957329E-2,0.34696841534066425,0.24258100338840272,6.6145841645785783E-2,"*",2.2591250778045548E-2,0.20393989512065783,"*"]
["2019:Q4",111,114672,4738410,1834614,0.38717924367034529,5.5259249825848951,3.5510167850021865,0.10864029580019534,0.41141902030427929,1.5731826426677829E-2,1.745311190884706E-2,0.35411434351890608,0.22550349167758804,7.906027626622017E-2,"*",1.1772708246128086E-2,0.11154771521420855,"*"]
["2019:Q3",117,119122,4758303,1671602,0.35130213439539248,5.9736482476091783,3.9223042961183339,0.10861973438995316,0.40808792546418332,1.7738117224358221E-2,2.0483773311619709E-2,0.37449841339131312,0.23781713774847882,7.6795218347576438E-2,"*",1.3020264938466445E-2,0.13270144448259813,"*"]
["2019:Q2",117,124477,4625487,1558075,0.33684561214851538,6.5282594997031591,4.370949508849062,0.10994802252624983,0.38785861899514579,1.7521309157515041E-2,2.2123292098756304E-2,0.36421186243241721,0.18004914941929359,7.2165942302594058E-2,"*",1.3159057496565631E-2,0.11586476902588129,"*"]
["2019:Q1",126,127465,4768996,1620764,0.33985434250731167,6.6635292078303827,4.3849485557428478,0.10312634840936728,0.38704498808554255,1.3768485466598673E-2,1.6634109150018159E-2,0.35551720080021965,0.21125914133708645,7.1713803789275485E-2,"*",5.4446318597261992E-3,4.1185514979355416E-2,"*"]
["2018:Q4",114,113725,5437308,2098156,0.38588139572008784,6.0577300281771187,3.8884912122835487,0.11691360738623874,0.40756271301901603,2.2835788085293469E-2,9.0016971633756993E-2,0.35687843482083975,0.23805217581935767,7.7326885029676856E-2,"*",1.2837986370630907E-3,3.0595913745212464E-2,"*"]
["2018:Q3",112,118056,6402749,2099419,0.3278933782973531,5.812089560016366,3.6696830137290353,0.12499152944365385,0.39208330671716163,2.1972623161889273E-2,3.721823235613328E-2,0.36935013891712409,0.22148033602441702,7.7929118384495497E-2,"*",1.6178762621128955E-3,4.9390807647258596E-2,"*"]
["2018:Q2",107,125140.9,5810287.7999999998,1694447,0.29162875546371386,5.7114078640405985,3.653095225758022,0.11722786075535657,0.35992588869694203,2.1024301407453521E-2,2.4523225854664207E-2,0.36636303558628713,0.17718726428663312,7.5195239925555921E-2,"*",1.8299372946814351E-3,1.5763845077479556E-2,"*"]
["2018:Q1",97,115021,5625881,1911379,0.33974749910280716,4.8465304788662564,3.3732597348491762,0.11919562514671234,0.43745077437649321,1.9057389520174578E-2,1.9252095805083684E-2,0.38937237547926029,0.14653491604248295,6.104102729066866E-2,"*",2.2691508507142175E-3,6.7784938927787485E-3,"*"]
["2017:Q4",97,95182,5316077,2002586,0.37670372344117664,4.8295394924028683,3.1846630862429119,0.12044294089218549,0.47728710475788821,1.6347628753335716E-2,1.3977600399693233E-2,0.35464688701645269,0.13455956337727989,7.1946376415708849E-2,"*",3.4670420877897083E-3,7.1713274735766649E-2,"*"]
["Note: The number of responses for each variable may be less than the total number of responses received."]
["1 In thousands of U.S. dollars."]
["2 Weighted by the commitment dollar amount of loans."]
["3 Weighted by the outstanding dollar amount of loans."]
["4 As a percentage of the number of commitments."]
["5 As a percentage of the commitment dollar amount of loans."]
["6 As a percentage of the outstanding dollar amount of loans."]
["* Aggregate data not reported due to insufficient data."]

{"sheet":"A.29","index":26,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["A.29. Commitment Usage - New Variable-Rate Loans Made Under Commitment"]
["Period","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",4.6556741028128028E-3,0.15900053691789495,0.32178606697190054,0.51348096140932964,0.97551789077212803]
["2020:Q3",9.1324200913242004E-3,0.15268982401316669,0.2704247311827957,0.47508348892977631,0.97684210526315784]
["2020:Q2",2.5000000000000001E-3,0.15868673050615595,0.28246913580246913,0.4142608695652174,0.94]
["2020:Q1",6.133333333333333E-2,0.26313417941473782,0.40763559695912055,0.51648351648351642,0.93717124488603154]
["2019:Q4",0.02,0.2626746584734283,0.36143179619477589,0.53326626425217971,0.95605381165919279]
["2019:Q3",1.5132924335378323E-2,0.21521257516615677,0.35452488687782807,0.53110265253372468,0.98337292161520184]
["2019:Q2",3.8253825382538252E-3,0.29543868406256096,0.40245408639156027,0.53379830355887259,0.98585365853658535]
["2019:Q1",1.3333333333333334E-2,0.2462686167817037,0.38620689655172413,0.53790099224221188,0.88913043478260867]
["2018:Q4",1.610895511459325E-3,0.28542970452798477,0.3824832800232626,0.55160735412603756,0.99]
["2018:Q3",1.0306748466257669E-2,0.25576923076923075,0.35622927522501185,0.51450508158646091,0.98]
["2018:Q2",0,0.245,0.38100000000000001,0.53800000000000003,1]
["2018:Q1",1.1236217711458293E-2,0.2924731182795699,0.39266666666666666,0.49368318756073859,0.96969696969696972]
["2017:Q4",1.1538461538461539E-2,0.29740567899913517,0.38722554890219563,0.53390443541249999,0.93573475235366355]

{"sheet":"A.30","index":27,"n_rows":16,"n_cols":16,"rows_kept":16,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,1,5],[1,6,1,10],[1,11,1,15]]}
["A.30. Interest Rates - New Variable-Rate Loans Made Under Commitment"]
[null,"Weighted average interest rate",null,null,null,null,"Weighted average base rate",null,null,null,null,"Weighted average interest rate floor"]
[null,"Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum","Minimum","25th percentile","Median","75th percentile","Maximum"]
["2020:Q4",1.9810000000000001,3.6085000000000003,4.1790000000000003,4.7484999999999999,15.24,"*","*","*","*","*",0.89600000000000002,3.5982500000000002,4.0449999999999999,4.6107499999999995,8.56]
["2020:Q3",2.415,3.9565000000000001,4.4085000000000001,5.0357500000000002,15.08,0.98399999999999999,3.2440000000000002,3.25,3.7850000000000001,6.5,1,3.5409999999999999,4.1059999999999999,4.5,6.7279999999999998]
["2020:Q2",2.3079999999999998,3.9255,4.3419999999999996,5.1059999999999999,14.39,0.83,3.25,3.25,3.7800000000000002,6.25,0.432,3.7650000000000001,4.1349999999999998,4.7132500000000004,10]
["2020:Q1",3.2959999999999998,4.4897500000000008,4.9845000000000006,5.4510000000000005,15.07,1.651,3.25,3.254,4.2927499999999998,6.9619999999999997,0.88300000000000001,4.4942500000000001,4.7934999999999999,5.1467499999999999,10.433999999999999]
["2019:Q4",2.5129999999999999,5.0317499999999997,5.5475000000000003,6.1224999999999996,16.309999999999999,1.23,4.59,4.75,4.8259999999999996,7.4370000000000003,1.9410000000000001,4.4604999999999997,4.9669999999999996,5.3129999999999997,7.2309999999999999]
["2019:Q3",4.4000000000000004,5.476,5.923,6.5619999999999994,16.587,1.425,4.6902499999999998,5,5.25,7.298,2.4870000000000001,4.2309999999999999,5,5.65,7.5]
["2019:Q2",4.5940000000000003,5.9555000000000007,6.306,6.6985000000000001,16.29,2.218,5.2002500000000005,5.5,5.5,8.25,1.571,4.1994999999999996,5,5.7562499999999996,8.23]
["2019:Q1",4.26,5.9279999999999999,6.3239999999999998,6.86,16.329999999999998,2.6139999999999999,5.3239999999999998,5.5,5.5,12.866,2,4.1185,5.1225000000000005,5.91,7.75]
["2018:Q4",2.0270000000000001,5.9139999999999997,6.33,7.0960000000000001,16.53,2.6120000000000001,5.2709999999999999,5.5,5.5,11.105,2,4.2557500000000008,5.0470000000000006,5.8685,6.9950000000000001]
["2018:Q3",3.8519999999999999,5.4779999999999998,6.093,6.8784999999999998,16.32,1.419,4.9109999999999996,5.2234999999999996,5.25,9.9589999999999996,4.1589999999999998,4.1589999999999998,4.1589999999999998,4.1589999999999998,4.1589999999999998]
["2018:Q2",4.0039999999999996,5.5259999999999998,5.9020000000000001,6.35,15.736000000000001,1,4.5830000000000002,4.9950000000000001,5,8.7739999999999991,1.873,4.2960000000000003,4.9059999999999997,5.5860000000000003,7]
["2018:Q1",4.0119999999999996,5.0280000000000005,5.6230000000000002,6.1544999999999996,8.9939999999999998,1.8,3.9615,4.6814999999999998,4.75,5.125,0.84,4.2182500000000003,4.782,5.4455,7.0490000000000004]
["2017:Q4",3.2709999999999999,4.8765000000000001,5.4565000000000001,5.7862499999999999,8.5310000000000006,1.363,3.8532500000000001,4.4535,4.5,4.97,1,4.0407500000000001,4.5194999999999999,5.25,7.4569999999999999]

{"sheet":"A.31","index":28,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4]]}
["A.31. Outstanding Fixed Rate Credit Card Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate"]
[]
["2020:Q4",6,61743,312937,12.619881586386249]

{"sheet":"A.32","index":29,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4]]}
["A.32. Outstanding Variable Rate Credit Card Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate"]
[]
["2020:Q4",11,1777944,4118066,14.158619325673749]

{"sheet":"A.33","index":30,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4]]}
["A.33. New Fixed Rate Credit Card Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate"]
[]
["2020:Q4",4,2645,2863,4.3576947258120855]

{"sheet":"A.34","index":31,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,2,1],[1,2,2,2],[1,3,2,3],[1,4,2,4]]}
["A.34. New Variable Rate Credit Card Loans"]
["Period","Number of responses","Number","Outstanding dollar amount1","Weighted average interest rate"]
[]
["2020:Q4",10,62194,67743,9.6390575557622196]

{"sheet":"B.1","index":32,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["B.1. Credit Line Usage - Percentage of Banks Reporting a Change"]
["Period","Number of responses","Increased substantially ","Increased somewhat","Remained basically unchanged","Decreased somewhat","Decreased substantially"]
["2020:Q4",105,9.5238095238095247E-3,0.18095238095238095,0.62857142857142856,0.16190476190476191,1.9047619047619049E-2]
["2020:Q3",118,1.6949152542372881E-2,0.1864406779661017,0.55932203389830504,0.20338983050847459,3.3898305084745763E-2]
["2020:Q2",118,4.2372881355932202E-2,0.25423728813559321,0.4152542372881356,0.22033898305084745,6.7796610169491525E-2]
["2020:Q1",113,1.7699115044247787E-2,0.27433628318584069,0.61946902654867253,8.8495575221238937E-2,0]
["2019:Q4",119,8.4033613445378148E-3,0.14285714285714285,0.78151260504201681,6.7226890756302518E-2,0]
["2019:Q3",128,0,0.1171875,0.8125,6.25E-2,7.8125E-3]
["2019:Q2",126,7.9365079365079361E-3,8.7301587301587297E-2,0.84126984126984128,6.3492063492063489E-2,0]
["2019:Q1",133,0,0.12030075187969924,0.84210526315789469,3.7593984962406013E-2,0]
["2018:Q4",121,0,8.2644628099173556E-2,0.86776859504132231,4.9586776859504134E-2,0]
["2018:Q3",122,0,9.0163934426229511E-2,0.84426229508196726,6.5573770491803282E-2,0]
["2018:Q2",122,0,0.123,0.81100000000000005,5.7000000000000002E-2,8.0000000000000002E-3]
["2018:Q1",116,0,7.7600000000000002E-2,0.8448,5.1700000000000003E-2,2.5899999999999999E-2]
["2017:Q4",97,1.0309278350515464E-2,0.1134020618556701,0.81443298969072164,6.1855670103092786E-2,0]

{"sheet":"B.2","index":33,"n_rows":17,"n_cols":14,"rows_kept":17,"cut":false,"hidden":false,"merged":[[1,0,3,0],[1,2,2,4],[1,5,2,7],[1,8,2,10],[1,11,2,13],[1,1,3,1]]}
["B.2. Increased Credit Line Usage - Reasons for Change"]
["Period","Number of responses","Change in terms of lending",null,null,"Change in pricing (rates, fees, etc.)",null,null,"Change in local or national economic conditions",null,null,"Change in borrower's business revenue or other business specific conditions"]
[]
[null,null,"Not important","Somewhat important","Very important","Not important","Somewhat important","Very important","Not important","Somewhat important","Very important","Not important","Somewhat important","Very important"]
["2020:Q4",20,0.7,0.25,0.05,0.7,0.2,0.1,0,0.3,0.7,0,0.35,0.65]
["2020:Q3",24,0.83333333333333337,0.16666666666666666,0,0.70833333333333337,0.20833333333333334,8.3333333333333329E-2,0,0.20833333333333334,0.79166666666666663,4.1666666666666664E-2,0.16666666666666666,0.79166666666666663]
["2020:Q2",35,0.68571428571428572,0.2857142857142857,2.8571428571428571E-2,0.62857142857142856,0.25714285714285712,0.11428571428571428,0,0.14285714285714285,0.8571428571428571,2.8571428571428571E-2,0.22857142857142856,0.74285714285714288]
["2020:Q1",33,0.72727272727272729,0.21212121212121213,6.0606060606060608E-2,0.66666666666666663,0.18181818181818182,0.15151515151515152,0,0.21212121212121213,0.78787878787878785,9.0909090909090912E-2,0.27272727272727271,0.63636363636363635]
["2019:Q4",18,0.88888888888888884,0.1111111111111111,0,0.66666666666666663,0.22222222222222221,0.1111111111111111,0.1111111111111111,0.55555555555555558,0.33333333333333331,5.5555555555555552E-2,0.44444444444444442,0.5]
["2019:Q3",15,0.8666666666666667,0.13333333333333333,0,0.53333333333333333,0.4,6.6666666666666666E-2,6.6666666666666666E-2,0.66666666666666663,0.26666666666666666,6.6666666666666666E-2,0.53333333333333333,0.4]
["2019:Q2",12,0.75,0.25,0,0.66666666666666663,0.16666666666666666,0.16666666666666666,0.16666666666666666,0.5,0.33333333333333331,0,0.41666666666666669,0.58333333333333337]
["2019:Q1",16,0.625,0.3125,6.25E-2,0.5625,0.3125,0.125,0.125,0.625,0.25,0.125,0.4375,0.4375]
["2018:Q4",10,0.7,0.3,0,0.7,0.2,0.1,0,0.8,0.2,0,0.6,0.4]
["2018:Q3",11,0.72727272727272729,0.27272727272727271,0,0.54545454545454541,0.27272727272727271,0.18181818181818182,9.0909090909090912E-2,0.63636363636363635,0.27272727272727271,9.0909090909090912E-2,0.54545454545454541,0.36363636363636365]
["2018:Q2",15,0.6,0.33300000000000002,6.7000000000000004E-2,0.4,0.4,0.2,6.7000000000000004E-2,0.53300000000000003,0.4,0.13300000000000001,0.2,0.66700000000000004]
["2018:Q1",9,0.66669999999999996,0.33329999999999999,0,0.44440000000000002,0.44440000000000002,0.1111,0.1111,0.44440000000000002,0.44440000000000002,0.1111,0.22220000000000001,0.66669999999999996]
["2017:Q4",12,0.83333333333333337,0.16666666666666666,0,0.66666666666666663,0.33333333333333331,0,8.3333333333333329E-2,0.66666666666666663,0.25,8.3333333333333329E-2,0.41666666666666669,0.5]

{"sheet":"B.3","index":34,"n_rows":17,"n_cols":14,"rows_kept":17,"cut":false,"hidden":false,"merged":[[1,11,2,13],[1,0,3,0],[1,1,3,1],[1,2,2,4],[1,5,2,7],[1,8,2,10]]}
["B.3. Decreased Credit Line Usage - Reasons for Change"]
["Period","Number of responses","Change in terms of lending",null,null,"Change in pricing (rates, fees, etc.)",null,null,"Change in local or national economic conditions",null,null,"Change in borrower's business revenue or other business specific conditions"]
[]
[null,null,"Not important","Somewhat important","Very important","Not important","Somewhat important","Very important","Not important","Somewhat important","Very important","Not important","Somewhat important","Very important"]
["2020:Q4",19,0.89473684210526316,0.10526315789473684,0,0.94736842105263153,5.2631578947368418E-2,0,5.2631578947368418E-2,0.21052631578947367,0.73684210526315785,5.2631578947368418E-2,0.42105263157894735,0.52631578947368418]
["2020:Q3",28,0.8214285714285714,0.17857142857142858,0,0.7857142857142857,0.17857142857142858,3.5714285714285712E-2,7.1428571428571425E-2,0.21428571428571427,0.7142857142857143,3.5714285714285712E-2,0.32142857142857145,0.6428571428571429]
["2020:Q2",34,0.82352941176470584,0.17647058823529413,0,0.79411764705882348,0.20588235294117646,0,2.9411764705882353E-2,0.14705882352941177,0.82352941176470584,5.8823529411764705E-2,0.3235294117647059,0.61764705882352944]
["2020:Q1",10,0.7,0.3,0,0.7,0.2,0.1,0.1,0.3,0.6,0,0.3,0.7]
["2019:Q4",8,0.5,0.375,0.125,0.5,0.5,0,0.125,0.375,0.5,0,0.625,0.375]
["2019:Q3",9,0.55555555555555558,0.33333333333333331,0.1111111111111111,0.55555555555555558,0.44444444444444442,0,0.1111111111111111,0.66666666666666663,0.22222222222222221,0.1111111111111111,0.55555555555555558,0.33333333333333331]
["2019:Q2",8,0.75,0.125,0.125,0.5,0.5,0,0.125,0.625,0.25,0.25,0.375,0.375]
["2019:Q1",5,0.8,0.2,0,0.6,0.4,0,0,0.8,0.2,0.2,0.6,0.2]
["2018:Q4",6,0.5,0.5,0,0.16666666666666666,0.66666666666666663,0.16666666666666666,0.16666666666666666,0.33333333333333331,0.5,0.16666666666666666,0.33333333333333331,0.5]
["2018:Q3",8,0.5,0.5,0,0.25,0.5,0.25,0.125,0.625,0.25,0,0.5,0.5]
["2018:Q2",8,0.875,0.125,0,0.5,0.375,0.125,0.25,0.625,0.125,0.125,0.375,0.5]
["2018:Q1",9,0.66669999999999996,0.22220000000000001,0.1111,0.66669999999999996,0.1111,0.22220000000000001,0,0.88890000000000002,0.1111,0.22220000000000001,0.33329999999999999,0.44440000000000002]
["2017:Q4",6,0.66666666666666663,0.33333333333333331,0,0.33333333333333331,0.5,0.16666666666666666,0,0.33333333333333331,0.66666666666666663,0,0.16666666666666666,0.83333333333333337]

{"sheet":"C.1","index":35,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["C.1. Loan Demand - Percentage of Banks Reporting a Change"]
["Period","Number of responses","Substantially stronger","Moderately stronger","Remained basically unchanged","Moderately weaker","Substantially weaker"]
["2020:Q4",105,1.9047619047619049E-2,0.14285714285714285,0.5714285714285714,0.2,6.6666666666666666E-2]
["2020:Q3",118,3.3898305084745763E-2,0.1440677966101695,0.5,0.23728813559322035,8.4745762711864403E-2]
["2020:Q2",118,0.16949152542372881,0.1864406779661017,0.33050847457627119,0.22033898305084745,9.3220338983050849E-2]
["2020:Q1",113,6.1946902654867256E-2,0.17699115044247787,0.53982300884955747,0.19469026548672566,2.6548672566371681E-2]
["2019:Q4",120,0,0.14166666666666666,0.73333333333333328,0.11666666666666667,8.3333333333333332E-3]
["2019:Q3",128,0,0.125,0.7421875,0.125,7.8125E-3]
["2019:Q2",126,0,0.14285714285714285,0.76984126984126988,8.7301587301587297E-2,0]
["2019:Q1",133,7.5187969924812026E-3,0.21052631578947367,0.70676691729323304,7.5187969924812026E-2,0]
["2018:Q4",121,1.6528925619834711E-2,0.13223140495867769,0.73553719008264462,9.9173553719008267E-2,1.6528925619834711E-2]
["2018:Q3",122,8.1967213114754103E-3,0.15573770491803279,0.68032786885245899,0.13114754098360656,2.4590163934426229E-2]
["2018:Q2",122,3.3000000000000002E-2,0.19700000000000001,0.68899999999999995,7.3999999999999996E-2,8.0000000000000002E-3]
["2018:Q1",116,1.72E-2,0.1638,0.69830000000000003,0.1207,0]
["2017:Q4",97,1.0309278350515464E-2,0.20618556701030927,0.58762886597938147,0.19587628865979381,0]

{"sheet":"C.2","index":36,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,2,1,3],[1,4,1,5],[1,1,2,1]]}
["C.2. Applications - Received and Approved"]
["Period","Number of responses","Applications Received",null,"Applications Approved"]
[null,null,"Number","Dollar amount1","Number2","Dollar amount3"]
["2020:Q4",105,172000,15838202,0.60331976744186044,0.67642002545490965]
["2020:Q3",114,270057,20281767,0.39856400685781151,0.54765440309022384]
["2020:Q2",115,765483,353515717,0.75889340455633891,0.70990955120674304]
["2020:Q1",106,267860,180383928,0.52750690659299637,0.55728505923210636]
["2019:Q4",110,238862,17596248,0.54491296229622121,0.67551548489200652]
["2019:Q3",117,250344,22777624,0.54988336049595754,0.67797567472357956]
["2019:Q2",114,264136,19238581,0.5608550140836539,0.66094734325780058]
["2019:Q1",126,266339,18326744,0.55794307255039632,0.65100000000000002]
["2018:Q4",95,225218,25643342,0.54394408972639841,0.67312833093284019]
["2018:Q3",96,247800,15233275,0.52326472962066184,0.60771606893461849]
["2018:Q2",66,280652,21517007,0.499,0.68500000000000005]
["2018:Q1",72,383340,14044483,0.55792507956383364,0.62239856034572438]
["2017:Q4",59,202427,12410271,0.51132507027224627,0.55176538852374779]
["1 In thousands of U.S. dollars."]
["2 As a percentage of the number of applications received."]
["3 As a percentage of the dollar amount of applications received."]

{"sheet":"C.3","index":37,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,0,2,0],[1,1,2,1],[1,2,1,3],[1,4,1,5]]}
["C.3. LMI Applications - Received and Approved"]
["Period","Number of responses","LMI Applications Received",null,"LMI Applications Approved"]
[null,null,"Number","Dollar amount1","Number2","Dollar amount3"]
["2020:Q4","*","*","*","*","*"]
["2020:Q3",36,8713,713141,0.42316079421553998,0.68030165142657628]
["2020:Q2",39,32188,3624310,0.80014291040139185,0.87054777323131849]
["2020:Q1",39,12720,1009945,0.52562893081761008,0.57598582101005502]
["2019:Q4",38,11445,1067744,0.56339012669287902,0.68069874426828902]
["2019:Q3",38,12454,1143198,0.55427974947807934,0.70888245080904622]
["2019:Q2",39,13422,1117069,0.57569661749366707,0.69408604123827622]
["2019:Q1",45,12407,988235,0.59853308616103817,0.71024098519076939]
["2018:Q4",43,10074,987807,0.60065515187611673,0.68329956737823572]
["2018:Q3",36,13255,845767,0.57917766880422483,0.84720654131788853]
["2018:Q2",16,10619,874832,0.56000000000000005,0.63700000000000001]
["2018:Q1",11,11604,823103,0.53584970699758705,0.63484764361203883]
["2017:Q4",25,10202,733749,0.60929229562830822,0.78015779237859273]
["1 In thousands of U.S. dollars."]
["2 As a percentage of the number of applications received."]
["3 As a percentage of the dollar amount of applications received."]

{"sheet":"C.4","index":38,"n_rows":52,"n_cols":11,"rows_kept":52,"cut":false,"hidden":false,"merged":[[37,0,38,0],[37,1,38,1],[37,2,37,10],[1,0,2,0],[1,2,1,10],[1,1,2,1],[19,0,20,0],[19,1,20,1],[19,2,19,10]]}
["C.4. Loan Denial - Reasons"]
["Period","Number of Responses","Most Common"]
[null,null,"Financials","Collateral ","Credit History","Owner Equity Investment","Management Experience","Concerns About Business Plan","Supervisory or Regulatory Requirements; Did Not Meet SBA Guidelines","Reduced Risk Tolerance of Bank Management","Concentration Limits; Industry Exposure"]
["2020:Q4",105,0.72380952380952379,5.7142857142857141E-2,0.18095238095238095,1.9047619047619049E-2,0,0,0,1.9047619047619049E-2,0]
["2020:Q3",118,0.68644067796610164,3.3898305084745763E-2,0.19491525423728814,2.5423728813559324E-2,8.4745762711864406E-3,1.6949152542372881E-2,0,3.3898305084745763E-2,0]
["2020:Q2",118,0.64406779661016944,3.3898305084745763E-2,0.19491525423728814,2.5423728813559324E-2,0,2.5423728813559324E-2,1.6949152542372881E-2,5.9322033898305086E-2,0]
["2020:Q1",113,0.65486725663716816,2.6548672566371681E-2,0.23008849557522124,1.7699115044247787E-2,8.8495575221238937E-3,0,8.8495575221238937E-3,5.3097345132743362E-2,0]
["2019:Q4",117,0.28205128205128205,0.30769230769230771,0.26495726495726496,0.1111111111111111,0,8.5470085470085479E-3,8.5470085470085479E-3,8.5470085470085479E-3,8.5470085470085479E-3]
["2019:Q3",128,0.625,6.25E-2,0.2421875,3.90625E-2,7.8125E-3,0,0,2.34375E-2,0]
["2019:Q2",126,0.6428571428571429,4.7619047619047616E-2,0.23809523809523808,3.1746031746031744E-2,7.9365079365079361E-3,0,0,1.5873015873015872E-2,1.5873015873015872E-2]
["2019:Q1",133,0.66917293233082709,5.2631578947368418E-2,0.21804511278195488,2.2556390977443608E-2,7.5187969924812026E-3,0,0,3.007518796992481E-2,0]
["2018:Q4",121,0.65289256198347112,6.6115702479338845E-2,0.20661157024793389,4.9586776859504134E-2,1.6528925619834711E-2,0,0,8.2644628099173556E-3,0]
["2018:Q3",122,0.72131147540983609,3.2786885245901641E-2,0.21311475409836064,1.6393442622950821E-2,8.1967213114754103E-3,0,0,8.1967213114754103E-3,0]
["2018:Q2",122,0.66400000000000003,6.6000000000000003E-2,0.221,1.6E-2,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,8.0000000000000002E-3,0]
["2018:Q1",116,0.69830000000000003,2.5899999999999999E-2,0.22409999999999999,2.5899999999999999E-2,8.6E-3,8.6E-3,8.6E-3,0,0]
["2017:Q4",97,0.73195876288659789,7.2164948453608241E-2,0.17525773195876287,1.0309278350515464E-2,1.0309278350515464E-2,0,0,0,0]
[]
[]
[]
["Period","Number of Responses","Second Most Common"]
[null,null,"Financials","Collateral ","Credit History","Owner Equity Investment","Management Experience","Concerns About Business Plan","Supervisory or Regulatory Requirements; Did Not Meet SBA Guidelines","Reduced Risk Tolerance of Bank Management","Concentration Limits; Industry Exposure"]
["2020:Q4",105,0.19047619047619047,0.35238095238095241,0.29523809523809524,7.6190476190476197E-2,9.5238095238095247E-3,9.5238095238095247E-3,1.9047619047619049E-2,3.8095238095238099E-2,9.5238095238095247E-3]
["2020:Q3",115,0.19130434782608696,0.36521739130434783,0.26956521739130435,9.5652173913043481E-2,8.6956521739130436E-3,2.6086956521739129E-2,1.7391304347826087E-2,2.6086956521739129E-2,0]
["2020:Q2",115,0.18260869565217391,0.27826086956521739,0.30434782608695654,0.10434782608695652,1.7391304347826087E-2,4.3478260869565216E-2,1.7391304347826087E-2,3.4782608695652174E-2,1.7391304347826087E-2]
["2020:Q1",111,0.25225225225225223,0.35135135135135137,0.21621621621621623,0.11711711711711711,0,1.8018018018018018E-2,9.0090090090090089E-3,2.7027027027027029E-2,9.0090090090090089E-3]
["2019:Q4",117,0.28205128205128205,0.30769230769230771,0.26495726495726496,0.1111111111111111,0,8.5470085470085479E-3,8.5470085470085479E-3,8.5470085470085479E-3,8.5470085470085479E-3]
["2019:Q3",127,0.25984251968503935,0.33858267716535434,0.27559055118110237,9.4488188976377951E-2,0,7.874015748031496E-3,7.874015748031496E-3,7.874015748031496E-3,7.874015748031496E-3]
["2019:Q2",123,0.26829268292682928,0.35772357723577236,0.24390243902439024,0.10569105691056911,0,0,0,1.6260162601626018E-2,8.130081300813009E-3]
["2019:Q1",132,0.24242424242424243,0.34090909090909088,0.29545454545454547,6.0606060606060608E-2,7.575757575757576E-3,2.2727272727272728E-2,0,7.575757575757576E-3,2.2727272727272728E-2]
["2018:Q4",120,0.23333333333333334,0.31666666666666665,0.28333333333333333,0.1,1.6666666666666666E-2,0,1.6666666666666666E-2,2.5000000000000001E-2,8.3333333333333332E-3]
["2018:Q3",121,0.17355371900826447,0.34710743801652894,0.31404958677685951,0.11570247933884298,8.2644628099173556E-3,0,2.4793388429752067E-2,1.6528925619834711E-2,0]
["2018:Q2",121,0.248,0.33900000000000002,0.24,9.0999999999999998E-2,2.5000000000000001E-2,8.0000000000000002E-3,2.5000000000000001E-2,1.7000000000000001E-2,8.0000000000000002E-3]
["2018:Q1",115,0.21740000000000001,0.3478,0.24349999999999999,0.1043,2.6100000000000002E-2,0,1.7399999999999999E-2,4.3499999999999997E-2,0]
["2017:Q4",94,0.1702127659574468,0.31914893617021278,0.35106382978723405,8.5106382978723402E-2,1.0638297872340425E-2,1.0638297872340425E-2,3.1914893617021274E-2,2.1276595744680851E-2,0]
[]
[]
[]
["Period","Number of Responses","Third Most Common"]
[null,null,"Financials","Collateral ","Credit History","Owner Equity Investment","Management Experience","Concerns About Business Plan","Supervisory or Regulatory Requirements; Did Not Meet SBA Guidelines","Reduced Risk Tolerance of Bank Management","Concentration Limits; Industry Exposure"]
["2020:Q4",105,4.7619047619047616E-2,0.34285714285714286,0.25714285714285712,0.12380952380952381,4.7619047619047616E-2,5.7142857142857141E-2,0,7.6190476190476197E-2,4.7619047619047616E-2]
["2020:Q3",113,6.1946902654867256E-2,0.39823008849557523,0.21238938053097345,8.8495575221238937E-2,3.5398230088495575E-2,7.9646017699115043E-2,8.8495575221238937E-3,7.9646017699115043E-2,3.5398230088495575E-2]
["2020:Q2",113,0.10619469026548672,0.4247787610619469,0.15929203539823009,7.9646017699115043E-2,4.4247787610619468E-2,5.3097345132743362E-2,8.8495575221238937E-3,7.9646017699115043E-2,4.4247787610619468E-2]
["2020:Q1",110,3.6363636363636362E-2,0.4,0.25454545454545452,8.1818181818181818E-2,5.4545454545454543E-2,7.2727272727272724E-2,1.8181818181818181E-2,3.6363636363636362E-2,4.5454545454545456E-2]
["2019:Q4",116,5.1724137931034482E-2,0.47413793103448276,0.18103448275862069,0.10344827586206896,6.0344827586206899E-2,6.8965517241379309E-2,8.6206896551724137E-3,1.7241379310344827E-2,3.4482758620689655E-2]
["2019:Q3",123,8.1300813008130079E-2,0.41463414634146339,0.1951219512195122,0.10569105691056911,6.5040650406504072E-2,6.5040650406504072E-2,1.6260162601626018E-2,1.6260162601626018E-2,4.065040650406504E-2]
["2019:Q2",122,7.3770491803278687E-2,0.37704918032786883,0.19672131147540983,0.11475409836065574,9.8360655737704916E-2,5.737704918032787E-2,2.4590163934426229E-2,1.6393442622950821E-2,4.0983606557377046E-2]
["2019:Q1",130,5.3846153846153849E-2,0.4,0.2,0.11538461538461539,9.2307692307692313E-2,7.6923076923076927E-2,2.3076923076923078E-2,2.3076923076923078E-2,1.5384615384615385E-2]
["2018:Q4",119,6.7226890756302518E-2,0.41176470588235292,0.19327731092436976,8.4033613445378158E-2,7.5630252100840331E-2,8.4033613445378158E-2,8.4033613445378148E-3,3.3613445378151259E-2,4.2016806722689079E-2]
["2018:Q3",118,5.9322033898305086E-2,0.36440677966101692,0.22033898305084745,0.1271186440677966,5.9322033898305086E-2,7.6271186440677971E-2,8.4745762711864406E-3,4.2372881355932202E-2,4.2372881355932202E-2]
["2018:Q2",120,5.8000000000000003E-2,0.34200000000000003,0.23300000000000001,0.158,6.7000000000000004E-2,5.8000000000000003E-2,8.0000000000000002E-3,3.3000000000000002E-2,4.2000000000000003E-2]
["2018:Q1",114,6.1400000000000003E-2,0.35959999999999998,0.1754,0.1754,7.8899999999999998E-2,7.8899999999999998E-2,8.8000000000000005E-3,4.3900000000000002E-2,1.7500000000000002E-2]
["2017:Q4",93,5.3763440860215055E-2,0.35483870967741937,0.22580645161290322,0.12903225806451613,6.4516129032258063E-2,5.3763440860215055E-2,3.2258064516129031E-2,4.3010752688172046E-2,4.3010752688172046E-2]

{"sheet":"D.1","index":39,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["D.1 Credit Standards - Percentage of Banks Reporting a Change"]
["Period","Number of responses","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably"]
["2020:Q4",105,1.9047619047619049E-2,0.20952380952380953,0.76190476190476186,9.5238095238095247E-3,0]
["2020:Q3",118,2.5423728813559324E-2,0.30508474576271188,0.66101694915254239,8.4745762711864406E-3,0]
["2020:Q2",118,5.9322033898305086E-2,0.40677966101694918,0.50847457627118642,2.5423728813559324E-2,0]
["2020:Q1",113,3.5398230088495575E-2,0.17699115044247787,0.75221238938053092,2.6548672566371681E-2,8.8495575221238937E-3]
["2019:Q4",120,0,6.6666666666666666E-2,0.90833333333333333,2.5000000000000001E-2,0]
["2019:Q3",128,0,0.1015625,0.8671875,3.125E-2,0]
["2019:Q2",126,0,8.7301587301587297E-2,0.86507936507936511,4.7619047619047616E-2,0]
["2019:Q1",133,0,6.0150375939849621E-2,0.8721804511278195,6.7669172932330823E-2,0]
["2018:Q4",121,8.2644628099173556E-3,4.1322314049586778E-2,0.9173553719008265,3.3057851239669422E-2,0]
["2018:Q3",122,0,4.0983606557377046E-2,0.9098360655737705,4.9180327868852458E-2,0]
["2018:Q2",122,8.0000000000000002E-3,3.3000000000000002E-2,0.88500000000000001,6.6000000000000003E-2,8.0000000000000002E-3]
["2018:Q1",116,0,5.1700000000000003E-2,0.88790000000000002,6.0299999999999999E-2,0]
["2017:Q4",97,1.0309278350515464E-2,0.10309278350515463,0.82474226804123707,5.1546391752577317E-2,1.0309278350515464E-2]

{"sheet":"D.2","index":40,"n_rows":56,"n_cols":17,"rows_kept":56,"cut":false,"hidden":false,"merged":[[41,0,42,0],[41,2,41,6],[41,7,41,11],[41,12,41,16],[1,1,2,1],[21,1,22,1],[41,1,42,1],[1,0,2,0],[1,2,1,6],[1,7,1,11],[1,12,1,16],[21,0,22,0],[21,2,21,6],[21,7,21,11],[21,12,21,16]]}
["D.2. Terms - Percentage of Banks Reporting a Change"]
["Period","Number of responses","Maximum size of credit lines",null,null,null,null,"Maximum maturity of loans and credit lines",null,null,null,null,"Costs of credit lines"]
[null,null,"Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably"]
["2020:Q4",105,1.9047619047619049E-2,0.15238095238095239,0.81904761904761902,9.5238095238095247E-3,0,9.5238095238095247E-3,6.6666666666666666E-2,0.91428571428571426,9.5238095238095247E-3,0,0,8.5714285714285715E-2,0.8666666666666667,4.7619047619047616E-2,0]
["2020:Q3",118,1.6949152542372881E-2,0.16101694915254236,0.82203389830508478,0,0,0,0.1271186440677966,0.83050847457627119,4.2372881355932202E-2,0,0,0.11016949152542373,0.85593220338983056,3.3898305084745763E-2,0]
["2020:Q2",118,5.9322033898305086E-2,0.16101694915254236,0.76271186440677963,1.6949152542372881E-2,0,1.6949152542372881E-2,0.13559322033898305,0.83050847457627119,1.6949152542372881E-2,0,8.4745762711864406E-3,0.1271186440677966,0.79661016949152541,5.9322033898305086E-2,8.4745762711864406E-3]
["2020:Q1",113,8.8495575221238937E-3,9.7345132743362831E-2,0.86725663716814161,2.6548672566371681E-2,0,8.8495575221238937E-3,7.9646017699115043E-2,0.87610619469026552,3.5398230088495575E-2,0,0,0.11504424778761062,0.84955752212389379,2.6548672566371681E-2,8.8495575221238937E-3]
["2019:Q4",120,0,9.166666666666666E-2,0.7583333333333333,0.15,0,8.3333333333333332E-3,0.1,0.85,4.1666666666666664E-2,0,0,0.10833333333333334,0.89166666666666672,0,0]
["2019:Q3",128,0,3.125E-2,0.9375,3.125E-2,0,0,2.34375E-2,0.9375,3.90625E-2,0,0,7.8125E-2,0.859375,6.25E-2,0]
["2019:Q2",126,0,3.968253968253968E-2,0.9285714285714286,3.1746031746031744E-2,0,0,2.3809523809523808E-2,0.9285714285714286,4.7619047619047616E-2,0,0,7.9365079365079361E-2,0.84126984126984128,7.9365079365079361E-2,0]
["2019:Q1",133,0,2.2556390977443608E-2,0.93233082706766912,3.7593984962406013E-2,7.5187969924812026E-3,0,2.2556390977443608E-2,0.94736842105263153,2.2556390977443608E-2,7.5187969924812026E-3,0,0.10526315789473684,0.84210526315789469,4.5112781954887216E-2,7.5187969924812026E-3]
["2018:Q4",121,8.2644628099173556E-3,2.4793388429752067E-2,0.9173553719008265,4.1322314049586778E-2,8.2644628099173556E-3,8.2644628099173556E-3,2.4793388429752067E-2,0.93388429752066116,3.3057851239669422E-2,0,8.2644628099173556E-3,9.0909090909090912E-2,0.85950413223140498,4.1322314049586778E-2,0]
["2018:Q3",122,0,4.9180327868852458E-2,0.91803278688524592,3.2786885245901641E-2,0,0,3.2786885245901641E-2,0.91803278688524592,4.9180327868852458E-2,0,0,0.14754098360655737,0.79508196721311475,5.737704918032787E-2,0]
["2018:Q2",122,8.0000000000000002E-3,2.5000000000000001E-2,0.91,5.7000000000000002E-2,0,8.0000000000000002E-3,2.5000000000000001E-2,0.89300000000000002,7.3999999999999996E-2,0,8.0000000000000002E-3,0.17199999999999999,0.76200000000000001,5.7000000000000002E-2,0]
["2018:Q1",116,0,5.1700000000000003E-2,0.9224,2.5899999999999999E-2,0,0,1.72E-2,0.93100000000000005,5.1700000000000003E-2,0,0,0.1207,0.80169999999999997,7.7600000000000002E-2,0]
["2017:Q4",97,0,7.2164948453608241E-2,0.865979381443299,6.1855670103092786E-2,0,0,4.1237113402061855E-2,0.90721649484536082,4.1237113402061855E-2,1.0309278350515464E-2,0,0.13402061855670103,0.77319587628865982,8.247422680412371E-2,1.0309278350515464E-2]
[]
[]
[]
[]
[]
["Period","Number of responses","Spreads of loan rates over the bank's cost of funds",null,null,null,null,"Premiums charged on riskier loans",null,null,null,null,"Loan covenants"]
[null,null,"Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably"]
["2020:Q4",105,1.9047619047619049E-2,0.10476190476190476,0.76190476190476186,0.10476190476190476,9.5238095238095247E-3,2.8571428571428571E-2,0.13333333333333333,0.82857142857142863,9.5238095238095247E-3,0,2.8571428571428571E-2,0.10476190476190476,0.8666666666666667,0,0]
["2020:Q3",118,2.5423728813559324E-2,0.16101694915254236,0.72881355932203384,8.4745762711864403E-2,0,3.3898305084745763E-2,0.16949152542372881,0.78813559322033899,8.4745762711864406E-3,0,8.4745762711864406E-3,0.21186440677966101,0.77966101694915257,0,0]
["2020:Q2",118,4.2372881355932202E-2,0.16949152542372881,0.69491525423728817,8.4745762711864403E-2,8.4745762711864406E-3,2.5423728813559324E-2,0.19491525423728814,0.76271186440677963,1.6949152542372881E-2,0,2.5423728813559324E-2,0.21186440677966101,0.76271186440677963,0,0]
["2020:Q1",113,1.7699115044247787E-2,0.18584070796460178,0.72566371681415931,6.1946902654867256E-2,8.8495575221238937E-3,2.6548672566371681E-2,9.7345132743362831E-2,0.8584070796460177,1.7699115044247787E-2,0,0,0.15929203539823009,0.84070796460176989,0,0]
["2019:Q4",120,0,9.166666666666666E-2,0.7583333333333333,0.15,0,8.3333333333333332E-3,0.1,0.85,4.1666666666666664E-2,0,0,0.10833333333333334,0.89166666666666672,0,0]
["2019:Q3",128,0,9.375E-2,0.7421875,0.15625,7.8125E-3,7.8125E-3,7.8125E-2,0.8828125,3.125E-2,0,0,7.03125E-2,0.9296875,0,0]
["2019:Q2",126,0,0.12698412698412698,0.76190476190476186,0.10317460317460317,7.9365079365079361E-3,7.9365079365079361E-3,9.5238095238095233E-2,0.87301587301587302,2.3809523809523808E-2,0,0,8.7301587301587297E-2,0.90476190476190477,7.9365079365079361E-3,0]
["2019:Q1",133,7.5187969924812026E-3,0.11278195488721804,0.74436090225563911,0.13533834586466165,0,7.5187969924812026E-3,9.0225563909774431E-2,0.84962406015037595,4.5112781954887216E-2,7.5187969924812026E-3,7.5187969924812026E-3,9.7744360902255634E-2,0.84962406015037595,4.5112781954887216E-2,0]
["2018:Q4",121,0,0.1487603305785124,0.72727272727272729,0.11570247933884298,8.2644628099173556E-3,1.6528925619834711E-2,0.10743801652892562,0.84297520661157022,3.3057851239669422E-2,0,8.2644628099173556E-3,0.11570247933884298,0.87603305785123964,0,0]
["2018:Q3",122,0,0.18032786885245902,0.68032786885245899,0.13114754098360656,8.1967213114754103E-3,2.4590163934426229E-2,0.13934426229508196,0.81967213114754101,1.6393442622950821E-2,0,8.1967213114754103E-3,7.3770491803278687E-2,0.9098360655737705,8.1967213114754103E-3,0]
["2018:Q2",122,8.0000000000000002E-3,0.18,0.68899999999999995,0.107,1.6E-2,1.6E-2,0.107,0.86099999999999999,1.6E-2,0,8.0000000000000002E-3,0.09,0.88500000000000001,1.6E-2,0]
["2018:Q1",116,8.6E-3,0.14660000000000001,0.68969999999999998,0.1552,0,8.6E-3,6.0299999999999999E-2,0.88790000000000002,4.3099999999999999E-2,0,0,0.11210000000000001,0.87070000000000003,1.72E-2,0]
["2017:Q4",97,1.0309278350515464E-2,0.16494845360824742,0.63917525773195871,0.18556701030927836,0,3.0927835051546393E-2,0.12371134020618557,0.80412371134020622,4.1237113402061855E-2,0,1.0309278350515464E-2,0.1134020618556701,0.85567010309278346,2.0618556701030927E-2,0]
[]
[]
[]
[]
[]
["Period","Number of responses","Collateral requirements",null,null,null,null,"Use of interest rate floors",null,null,null,null,"Level of interest rate floors"]
[null,null,"Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably","Tightened considerably","Tightened somewhat","Remained basically unchanged","Eased somewhat","Eased considerably"]
["2020:Q4",105,1.9047619047619049E-2,0.17142857142857143,0.80952380952380953,0,0,4.7619047619047616E-2,0.14285714285714285,0.80952380952380953,0,0,9.5238095238095247E-3,9.5238095238095233E-2,0.87619047619047619,1.9047619047619049E-2,0]
["2020:Q3",118,2.5423728813559324E-2,0.16949152542372881,0.80508474576271183,0,0,5.0847457627118647E-2,0.1864406779661017,0.75423728813559321,8.4745762711864406E-3,0,8.4745762711864406E-3,0.1440677966101695,0.82203389830508478,2.5423728813559324E-2,0]
["2020:Q2",118,8.4745762711864406E-3,0.26271186440677968,0.71186440677966101,1.6949152542372881E-2,0,5.0847457627118647E-2,0.19491525423728814,0.75423728813559321,0,0,1.6949152542372881E-2,0.1440677966101695,0.82203389830508478,8.4745762711864406E-3,8.4745762711864406E-3]
["2020:Q1",113,8.8495575221238937E-3,0.20353982300884957,0.77876106194690264,8.8495575221238937E-3,0,5.3097345132743362E-2,0.18584070796460178,0.72566371681415931,3.5398230088495575E-2,0,1.7699115044247787E-2,0.15044247787610621,0.78761061946902655,3.5398230088495575E-2,8.8495575221238937E-3]
["2019:Q4",120,0,0.125,0.875,0,0,2.5000000000000001E-2,7.4999999999999997E-2,0.8833333333333333,1.6666666666666666E-2,0,8.3333333333333332E-3,5.8333333333333334E-2,0.91666666666666663,1.6666666666666666E-2,0]
["2019:Q3",128,0,0.1015625,0.8828125,1.5625E-2,0,2.34375E-2,7.03125E-2,0.8828125,2.34375E-2,0,1.5625E-2,6.25E-2,0.8984375,2.34375E-2,0]
["2019:Q2",126,0,0.10317460317460317,0.88888888888888884,7.9365079365079361E-3,0,2.3809523809523808E-2,5.5555555555555552E-2,0.89682539682539686,2.3809523809523808E-2,0,0,7.1428571428571425E-2,0.88888888888888884,3.968253968253968E-2,0]
["2019:Q1",133,0,8.2706766917293228E-2,0.8571428571428571,5.2631578947368418E-2,7.5187969924812026E-3,7.5187969924812026E-3,3.7593984962406013E-2,0.93233082706766912,1.5037593984962405E-2,7.5187969924812026E-3,0,7.5187969924812026E-2,0.90977443609022557,7.5187969924812026E-3,7.5187969924812026E-3]
["2018:Q4",121,8.2644628099173556E-3,9.0909090909090912E-2,0.8925619834710744,8.2644628099173556E-3,0,8.2644628099173556E-3,8.2644628099173556E-2,0.8925619834710744,1.6528925619834711E-2,0,8.2644628099173556E-3,0.11570247933884298,0.85950413223140498,1.6528925619834711E-2,0]
["2018: Q3",122,0,7.3770491803278687E-2,0.9098360655737705,1.6393442622950821E-2,0,1.6393442622950821E-2,4.9180327868852458E-2,0.91803278688524592,1.6393442622950821E-2,0,8.1967213114754103E-3,0.12295081967213115,0.84426229508196726,2.4590163934426229E-2,0]
["2018:Q2",122,8.0000000000000002E-3,8.2000000000000003E-2,0.90200000000000002,8.0000000000000002E-3,0,8.0000000000000002E-3,6.6000000000000003E-2,0.89300000000000002,2.5000000000000001E-2,8.0000000000000002E-3,0,0.13100000000000001,0.82799999999999996,4.1000000000000002E-2,0]
["2018:Q1",116,8.6E-3,5.1700000000000003E-2,0.9224,1.72E-2,0,8.6E-3,7.7600000000000002E-2,0.87929999999999997,3.4500000000000003E-2,0,0,0.1207,0.86209999999999998,1.72E-2,0]
["2017:Q4",97,0,9.2783505154639179E-2,0.85567010309278346,5.1546391752577317E-2,0,1.0309278350515464E-2,6.1855670103092786E-2,0.88659793814432986,4.1237113402061855E-2,0,0,0.1134020618556701,0.865979381443299,2.0618556701030927E-2,0]

{"sheet":"D.3","index":41,"n_rows":62,"n_cols":11,"rows_kept":62,"cut":false,"hidden":false,"merged":[[1,1,3,1],[23,1,25,1],[45,1,47,1],[1,0,3,0],[1,2,2,4],[39,0,40,10],[1,5,2,7],[1,8,2,10],[23,0,25,0],[23,2,24,4],[23,5,24,7],[23,8,24,10],[17,0,18,10],[61,0,62,10],[45,0,47,0],[45,2,46,4],[45,5,46,7],[45,8,46,10]]}
["D.3. Credit Standards and Terms - Reasons for Tightening"]
["Period","Number of responses","Deterioration in your bank's current or \nexpected capital position",null,null,"Less favorable or more uncertain \neconomic outlook",null,null,"Worsening of \nindustry-specific problems"]
[]
[null,null,"Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*"]
["2020:Q4",40,"75% (0)","25% (0)","0% (0)","0% (0)","27.5% (0)","72.5% (0)","12.5% (0)","42.5% (0)","45% (0)"]
["2020:Q3",60,"78.3% (0)","20% (0)","1.7% (1)","6.7% (0)","25% (0)","68.3% (25)","15% (0)","45% (0)","40% (1)"]
["2020:Q2",66,"77.3% (0)","21.2% (0)","1.5% (1)","6.1% (0)","12.1% (0)","81.8% (35)","6.1% (0)","42.4% (0)","51.5% (3)"]
["2020:Q1",46,"80.4% (0)","19.6% (0)","0% (0)","10.9% (0)","26.1% (0)","63% (20)","13% (0)","45.7% (0)","41.3% (1)"]
["2019:Q4",35,"85.7% (0)","11.4% (0)","2.9% (0)","31.4% (0)","51.4% (0)","17.1% (4)","31.4% (0)","51.4% (0)","17.1% (1)"]
["2019:Q3",34,"88.2% (0)","11.8% (0)","0% (0)","14.7% (0)","58.8% (0)","26.5% (2)","17.6% (0)","73.5% (0)","8.8% (1)"]
["2019:Q2",39,"87.2% (0)","7.7% (0)","5.1% (0)","12.8% (0)","69.2% (0)","17.9% (3)","30.8% (0)","59% (0)","10.3% (1)"]
["2019:Q1",38,"86.8% (0)","13.2% (0)","0% (0)","28.9% (0)","60.5% (0)","10.5% (0)","36.8% (0)","52.6% (0)","10.5% (2)"]
["2018:Q4",38,"81.6% (0)","13.2% (0)","5.3% (0)","23.7% (0)","57.9% (0)","18.4% (2)","28.9% (0)","60.5% (0)","10.5% (1)"]
["2018:Q3",42,"83.3% (0)","14.3% (0)","2.4% (0)","28.6% (0)","59.5% (0)","11.9% (2)","28.6% (0)","57.1% (0)","14.3% (2)"]
["2018:Q2",44,0.86399999999999999,0.13600000000000001,0,0.318,0.59099999999999997,"9.1% (2)",0.34100000000000003,0.54500000000000004,"11.4% (1)"]
["2018:Q1",37,0.83779999999999999,0.16220000000000001,0,0.43240000000000001,0.51349999999999996,"5.41% (1)",0.32429999999999998,0.62160000000000004,"5.41% (1)"]
["2017:Q4",33,0.75757575757575757,0.21212121212121213,3.0303030303030304E-2,0.36363636363636365,0.45454545454545453,"18.2% (2)",0.36363636363636365,0.51515151515151514,"12.1% (1)"]
["* If a respondent stated that 2 or more reasons are very important in their decision to tighten credit standards or terms, they had the option of indicating which of these reasons is the most important. The number of respondents that indicated a reason is the most important is in parentheses following the percentage."]
[]
[]
[]
[]
[]
["Period","Number of responses","Less aggressive competition \nfrom other banks",null,null,"Less aggressive competition from \nnonbank lenders",null,null,"Reduced tolerance for risk"]
[]
[null,null,"Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*"]
["2020:Q4",40,"87.5% (0)","7.5% (0)","5% (0)","92.5% (0)","5% (0)","2.5% (0)","32.5% (0)","55% (0)","12.5% (0)"]
["2020:Q3",60,"80% (0)","20% (0)","0% (0)","81.7% (0)","18.3% (0)","0% (0)","30% (0)","58.3% (0)","11.7% (0)"]
["2020:Q2",66,"83.3% (0)","15.2% (0)","1.5% (0)","86.4% (0)","13.6% (0)","0% (0)","27.3% (0)","51.5% (0)","21.2% (0)"]
["2020:Q1",46,"78.3% (0)","19.6% (0)","2.2% (0)","84.8% (0)","15.2% (0)","0% (0)","26.1% (0)","58.7% (0)","15.2% (0)"]
["2019:Q4",35,"77.1% (0)","22.9% (0)","0% (0)","82.9% (0)","17.1% (0)","0% (0)","28.6% (0)","65.7% (0)","5.7% (0)"]
["2019:Q3",34,"82.4% (0)","14.7% (0)","2.9% (0)","79.4% (0)","20.6% (0)","0% (0)","32.4% (0)","55.9% (0)","11.8% (1)"]
["2019:Q2",39,"74.4% (0)","20.5% (0)","5.1% (0)","74.4% (0)","23.1% (0)","2.6% (1)","33.3% (0)","53.8% (0)","12.8% (0)"]
["2019:Q1",38,"76.3% (0)","18.4% (0)","5.3% (1)","73.7% (0)","23.7% (0)","2.6% (0)","44.7% (0)","44.7% (0)","10.5% (0)"]
["2018:Q4",38,"63.2% (0)","28.9% (0)","7.9% (1)","63.2% (0)","31.6% (0)","5.3% (0)","28.9% (0)","63.2% (0)","7.9% (1)"]
["2018:Q3",42,"69% (0)","28.6% (0)","2.4% (1)","71.4% (0)","26.2% (0)","2.4% (0)","23.8% (0)","66.7% (0)","9.5% (0)"]
["2018:Q2",44,0.75,0.20499999999999999,"4.5% (1)",0.81799999999999995,0.159,2.3E-2,0.318,0.56799999999999995,0.114]
["2018:Q1",37,0.75680000000000003,0.2162,"2.7% (1)",0.75680000000000003,0.2162,2.7E-2,0.29730000000000001,0.62160000000000004,8.1100000000000005E-2]
["2017:Q4",33,0.69696969696969702,0.27272727272727271,3.0303030303030304E-2,0.72727272727272729,0.27272727272727271,0,0.12121212121212122,0.63636363636363635,"24.2% (1)"]
["* If a respondent stated that 2 or more reasons are very important in their decision to tighten credit standards or terms, they had the option of indicating which of these reasons is the most important. The number of respondents that indicated a reason is the most important is in parentheses following the percentage."]
[]
[]
[]
[]
[]
["Period","Number of responses","Decreased liquidity in the secondary \nmarket for these loans",null,null,"Deterioration in your bank's current or \nexpected liquidity position",null,null,"Increased concerns about the effects of legislatives changes, supervisory actions, or changes in accounting standards"]
[]
[null,null,"Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*"]
["2020:Q4",40,"87.5% (0)","10% (0)","2.5% (0)","82.5% (0)","15% (0)","2.5% (0)","52.5% (0)","32.5% (0)","15% (0)"]
["2020:Q3",60,"85% (0)","13.3% (0)","1.7% (0)","83.3% (0)","16.7% (0)","0% (0)","55% (0)","31.7% (0)","13.3% (0)"]
["2020:Q2",66,"78.8% (0)","19.7% (0)","1.5% (0)","80.3% (0)","19.7% (0)","0% (0)","56.1% (0)","34.8% (0)","9.1% (0)"]
["2020:Q1",46,"76.1% (0)","19.6% (0)","4.3% (0)","78.3% (0)","21.7% (0)","0% (0)","54.3% (0)","32.6% (0)","13% (0)"]
["2019:Q4",35,"80% (0)","20% (0)","0% (0)","88.6% (0)","11.4% (0)","0% (0)","68.6% (0)","28.6% (0)","2.9% (0)"]
["2019:Q3",34,"73.5% (0)","26.5% (0)","0% (0)","85.3% (0)","11.8% (0)","2.9% (0)","52.9% (0)","47.1% (0)","0% (0)"]
["2019:Q2",39,"76.9% (0)","17.9% (0)","5.1% (0)","82.1% (0)","12.8% (0)","5.1% (2)","53.8% (0)","43.6% (0)","2.6% (0)"]
["2019:Q1",38,"78.9% (0)","18.4% (0)","2.6% (0)","84.2% (0)","10.5% (0)","5.3% (2)","55.3% (0)","44.7% (0)","0% (0)"]
["2018:Q4",38,"84.2% (0)","13.2% (0)","2.6% (0)","78.9% (0)","15.8% (0)","5.3% (2)","55.3% (0)","44.7% (0)","0% (0)"]
["2018:Q3",42,"81% (0)","19% (0)","0% (0)","76.2% (0)","21.4% (0)","2.4% (1)","47.6% (0)","45.2% (0)","7.1% (0)"]
["2018:Q2",44,0.84099999999999997,0.159,0,0.84099999999999997,0.13600000000000001,"2.3% (1)",0.5,0.432,"6.8% (1)"]
["2018:Q1",37,0.81079999999999997,0.18920000000000001,0,0.83779999999999999,0.16220000000000001,0,0.54049999999999998,0.32429999999999998,0.1351]
["2017:Q4",33,0.72727272727272729,0.21212121212121213,6.0606060606060608E-2,0.66666666666666663,0.27272727272727271,6.0606060606060608E-2,0.39393939393939392,0.48484848484848486,0.12121212121212122]
["* If a respondent stated that 2 or more reasons are very important in their decision to tighten credit standards or terms, they had the option of indicating which of these reasons is the most important. The number of respondents that indicated a reason is the most important is in parentheses following the percentage."]

{"sheet":"D.4","index":42,"n_rows":64,"n_cols":11,"rows_kept":64,"cut":false,"hidden":false,"merged":[[1,1,3,1],[24,1,26,1],[47,1,49,1],[1,0,3,0],[1,2,2,4],[40,0,41,10],[1,5,2,7],[1,8,2,10],[24,0,26,0],[24,2,25,4],[24,5,25,7],[24,8,25,10],[17,0,18,10],[63,0,64,10],[47,0,49,0],[47,2,48,4],[47,5,48,7],[47,8,48,10]]}
["D.4. Credit Standards and Terms - Reasons for Easing"]
["Period","Number of responses","Improvement in your bank's current or expected capital position",null,null,"More favorable or less uncertain \neconomic outlook",null,null,"Improvement in \nindustry-specific problems"]
[]
[null,null,"Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*"]
["2020:Q4",15,"100% (0)","0% (0)","0% (0)","73.3% (0)","20% (0)","6.7% (0)","80% (0)","13.3% (0)","6.7% (0)"]
["2020:Q3",14,"71.4% (0)","28.6% (0)","0% (0)","50% (0)","28.6% (0)","21.4% (0)","57.1% (0)","42.9% (0)","0% (0)"]
["2020:Q2",17,"82.4% (0)","17.6% (0)","0% (0)","58.8% (0)","17.6% (0)","23.5% (2)","64.7% (0)","29.4% (0)","5.9% (0)"]
["2020:Q1",19,"84.2% (0)","15.8% (0)","0% (0)","57.9% (0)","26.3% (0)","15.8% (1)","68.4% (0)","21.1% (0)","10.5% (0)"]
["2019:Q4",29,"75.9% (0)","24.1% (0)","0% (0)","65.5% (0)","20.7% (0)","13.8% (1)","72.4% (0)","27.6% (0)","0% (0)"]
["2019:Q3",29,"69% (0)","31% (0)","0% (0)","62.1% (0)","34.5% (0)","3.4% (0)","65.5% (0)","34.5% (0)","0% (0)"]
["2019:Q2",28,"71.4% (0)","28.6% (0)","0% (0)","64.3% (0)","32.1% (0)","3.6% (0)","78.6% (0)","21.4% (0)","0% (0)"]
["2019:Q1",30,"83.3% (0)","16.7% (0)","0% (0)","73.3% (0)","20% (0)","6.7% (0)","80% (0)","20% (0)","0% (0)"]
["2018:Q4",23,"69.6% (0)","30.4% (0)","0% (0)","60.9% (0)","30.4% (0)","8.7% (0)","65.2% (0)","34.8% (0)","0% (0)"]
["2018:Q3",23,"78.3% (0)","21.7% (0)","0% (0)","52.2% (0)","39.1% (0)","8.7% (0)","73.9% (0)","21.7% (0)","4.3% (0)"]
["2018:Q2",27,0.66700000000000004,0.29599999999999999,3.6999999999999998E-2,0.44400000000000001,0.48099999999999998,7.3999999999999996E-2,0.66700000000000004,0.33300000000000002,0]
["2018:Q1",25,0.64,0.36,0,0.44,0.4,"16.0% (1)",0.56000000000000005,0.44,0]
["2017:Q4",27,0.62962962962962965,0.29629629629629628,7.407407407407407E-2,0.37037037037037035,0.51851851851851849,"11.1% (1)",0.51851851851851849,0.37037037037037035,"11.1% (1)"]
["* If a respondent stated that 2 or more reasons are very important in their decision to ease credit standards or terms, they had the option of indicating which of these reasons is the most important. The number of respondents that indicated a reason is the most important is in parentheses following the percentage."]
[]
[]
[]
[]
[]
[]
["Period","Number of responses","More aggressive competition \nfrom other banks",null,null,"More aggressive competition from \nnonbank lenders",null,null,"Increased tolerance for risk"]
[]
[null,null,"Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*"]
["2020:Q4",15,"6.7% (0)","53.3% (0)","40% (0)","60% (0)","26.7% (0)","13.3% (0)","93.3% (0)","6.7% (0)","0% (0)"]
["2020:Q3",14,"21.4% (0)","57.1% (0)","21.4% (2)","35.7% (0)","50% (0)","14.3% (0)","64.3% (0)","35.7% (0)","0% (0)"]
["2020:Q2",17,"23.5% (0)","58.8% (0)","17.6% (1)","35.3% (0)","58.8% (0)","5.9% (0)","64.7% (0)","29.4% (0)","5.9% (0)"]
["2020:Q1",19,"31.6% (0)","52.6% (0)","15.8% (0)","47.4% (0)","42.1% (0)","10.5% (0)","68.4% (0)","26.3% (0)","5.3% (1)"]
["2019:Q4",29,"13.8% (0)","44.8% (0)","41.4% (6)","27.6% (0)","48.3% (0)","24.1% (0)","65.5% (0)","31% (0)","3.4% (1)"]
["2019:Q3",29,"13.8% (0)","55.2% (0)","31% (3)","41.4% (0)","41.4% (0)","17.2% (0)","75.9% (0)","20.7% (0)","3.4% (1)"]
["2019:Q2",28,"21.4% (0)","53.6% (0)","25% (1)","46.4% (0)","39.3% (0)","14.3% (1)","57.1% (0)","39.3% (0)","3.6% (1)"]
["2019:Q1",30,"23.3% (0)","40% (0)","36.7% (1)","36.7% (0)","46.7% (0)","16.7% (1)","73.3% (0)","20% (0)","6.7% (2)"]
["2018:Q4",23,"21.7% (0)","56.5% (0)","21.7% (1)","39.1% (0)","47.8% (0)","13% (1)","60.9% (0)","34.8% (0)","4.3% (1)"]
["2018:Q3",23,"21.7% (0)","52.2% (0)","26.1% (1)","39.1% (0)","60.9% (0)","0% (0)","60.9% (0)","30.4% (0)","8.7% (0)"]
["2018:Q2",27,3.6999999999999998E-2,0.51900000000000002,"44.4% (2)",0.33300000000000002,0.59299999999999997,7.3999999999999996E-2,0.55600000000000005,0.44400000000000001,0]
["2018:Q1",25,0.12,0.56000000000000005,0.32,0.36,0.64,0,0.44,0.56000000000000005,0]
["2017:Q4",27,7.407407407407407E-2,0.66666666666666663,"25.9% (1)",0.29629629629629628,0.70370370370370372,0,0.48148148148148145,0.51851851851851849,0]
["* If a respondent stated that 2 or more reasons are very important in their decision to ease credit standards or terms, they had the option of indicating which of these reasons is the most important. The number of respondents that indicated a reason is the most important is in parentheses following the percentage."]
[]
[]
[]
[]
[]
[]
["Period","Number of responses","Increased liquidity in the secondary \nmarket for these loans",null,null,"Improvement in your bank's current or expected liquidity position",null,null,"Reduced concerns about the effects of legislatives changes, supervisory actions, or changes in accounting standards"]
[]
[null,null,"Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*","Not important","Somewhat important","Very important*"]
["2020:Q4",15,"93.3% (0)","0% (0)","6.7% (0)","66.7% (0)","26.7% (0)","6.7% (0)","93.3% (0)","0% (0)","6.7% (0)"]
["2020:Q3",14,"85.7% (0)","14.3% (0)","0% (0)","50% (0)","35.7% (0)","14.3% (0)","71.4% (0)","21.4% (0)","7.1% (0)"]
["2020:Q2",17,"76.5% (0)","23.5% (0)","0% (0)","64.7% (0)","35.3% (0)","0% (0)","70.6% (0)","29.4% (0)","0% (0)"]
["2020:Q1",19,"73.7% (0)","26.3% (0)","0% (0)","73.7% (0)","21.1% (0)","5.3% (0)","84.2% (0)","5.3% (0)","10.5% (0)"]
["2019:Q4",29,"79.3% (0)","17.2% (0)","3.4% (0)","65.5% (0)","34.5% (0)","0% (0)","79.3% (0)","20.7% (0)","0% (0)"]
["2019:Q3",29,"82.8% (0)","17.2% (0)","0% (0)","69% (0)","27.6% (0)","3.4% (0)","79.3% (0)","20.7% (0)","0% (0)"]
["2019:Q2",28,"82.1% (0)","17.9% (0)","0% (0)","67.9% (0)","32.1% (0)","0% (0)","78.6% (0)","21.4% (0)","0% (0)"]
["2019:Q1",30,"93.3% (0)","6.7% (0)","0% (0)","83.3% (0)","16.7% (0)","0% (0)","83.3% (0)","16.7% (0)","0% (0)"]
["2018:Q4",23,"91.3% (0)","8.7% (0)","0% (0)","73.9% (0)","26.1% (0)","0% (0)","87% (0)","8.7% (0)","4.3% (0)"]
["2018:Q3",23,"95.7% (0)","4.3% (0)","0% (0)","69.6% (0)","30.4% (0)","0% (0)","78.3% (0)","21.7% (0)","0% (0)"]
["2018:Q2",27,0.88900000000000001,0.111,0,0.74099999999999999,0.25900000000000001,0,0.66700000000000004,0.33300000000000002,0]
["2018:Q1",25,0.84,0.12,0.04,0.64,0.32,0.04,0.68,0.32,0]
["2017:Q4",27,0.7407407407407407,0.25925925925925924,0,0.59259259259259256,0.37037037037037035,3.7037037037037035E-2,0.62962962962962965,0.37037037037037035,0]
["* If a respondent stated that 2 or more reasons are very important in their decision to ease credit standards or terms, they had the option of indicating which of these reasons is the most important. The number of respondents that indicated a reason is the most important is in parentheses following the percentage."]

{"sheet":"E.1","index":43,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["E.1. Credit Quality of Applicants - Percentage of Banks Reporting a Change"]
["Period","Number of responses","Improved substantially","Improved somewhat","Remained basically unchanged","Declined somewhat","Declined substantially"]
["2020:Q4",105,0,4.7619047619047616E-2,0.7142857142857143,0.22857142857142856,9.5238095238095247E-3]
["2020:Q3",118,0,4.2372881355932202E-2,0.61016949152542377,0.33050847457627119,1.6949152542372881E-2]
["2020:Q2",118,0,3.3898305084745763E-2,0.5,0.40677966101694918,5.9322033898305086E-2]
["2020:Q1",113,0,4.4247787610619468E-2,0.7168141592920354,0.20353982300884957,3.5398230088495575E-2]
["2019:Q4",120,0,0.10833333333333334,0.82499999999999996,6.6666666666666666E-2,0]
["2019:Q3",128,0,7.8125E-2,0.859375,6.25E-2,0]
["2019:Q2",126,0,7.1428571428571425E-2,0.8571428571428571,7.1428571428571425E-2,0]
["2019:Q1",133,0,8.2706766917293228E-2,0.84962406015037595,6.7669172932330823E-2,0]
["2018:Q4",121,0,8.2644628099173556E-2,0.85950413223140498,5.7851239669421489E-2,0]
["2018:Q3",122,0,9.8360655737704916E-2,0.82786885245901642,7.3770491803278687E-2,0]
["2018:Q2",122,8.0000000000000002E-3,0.156,0.81100000000000005,2.5000000000000001E-2,0]
["2018:Q1",116,8.6E-3,0.1638,0.75860000000000005,6.9000000000000006E-2,0]
["2017:Q4",97,0,0.15463917525773196,0.80412371134020622,4.1237113402061855E-2,0]

{"sheet":"E.2","index":44,"n_rows":56,"n_cols":11,"rows_kept":56,"cut":false,"hidden":false,"merged":[[40,0,42,0],[40,2,41,4],[40,5,41,7],[40,8,41,10],[1,1,2,1],[1,0,2,0],[1,2,1,4],[1,5,1,7],[1,8,1,10],[20,0,22,0],[20,2,21,4],[20,5,21,7],[20,8,21,10]]}
["E.2. Credit Quality of Applicants - Reasons for Change"]
["Period","Number of responses","Credit scores",null,null,"Quality of business collateral",null,null,"Quality of personal collateral"]
[null,null,"Not important ","Somewhat important","Very important","Not important ","Somewhat important","Very important","Not important ","Somewhat important","Very important"]
["2020:Q4",30,0.33333333333333331,0.5,0.16666666666666666,0.33333333333333331,0.36666666666666664,0.3,0.53333333333333333,0.4,6.6666666666666666E-2]
["2020:Q3",46,0.36956521739130432,0.41304347826086957,0.21739130434782608,0.28260869565217389,0.54347826086956519,0.17391304347826086,0.5,0.45652173913043476,4.3478260869565216E-2]
["2020:Q2",59,0.42372881355932202,0.4576271186440678,0.11864406779661017,0.3728813559322034,0.4576271186440678,0.16949152542372881,0.5423728813559322,0.3728813559322034,8.4745762711864403E-2]
["2020:Q1",32,0.59375,0.34375,6.25E-2,0.4375,0.3125,0.25,0.5625,0.3125,0.125]
["2019:Q4",21,0.2857142857142857,0.42857142857142855,0.2857142857142857,0.19047619047619047,0.5714285714285714,0.23809523809523808,0.42857142857142855,0.52380952380952384,4.7619047619047616E-2]
["2019:Q3",18,0.27777777777777779,0.61111111111111116,0.1111111111111111,0.22222222222222221,0.3888888888888889,0.3888888888888889,0.27777777777777779,0.5,0.22222222222222221]
["2019:Q2",18,0.22222222222222221,0.61111111111111116,0.16666666666666666,0.22222222222222221,0.5,0.27777777777777779,0.27777777777777779,0.55555555555555558,0.16666666666666666]
["2019:Q1",20,0.3,0.45,0.25,0.3,0.35,0.35,0.35,0.45,0.2]
["2018:Q4",17,0.47058823529411764,0.35294117647058826,0.17647058823529413,0.23529411764705882,0.52941176470588236,0.23529411764705882,0.35294117647058826,0.58823529411764708,5.8823529411764705E-2]
["2018:Q3",21,0.38095238095238093,0.42857142857142855,0.19047619047619047,0.23809523809523808,0.66666666666666663,9.5238095238095233E-2,0.42857142857142855,0.52380952380952384,4.7619047619047616E-2]
["2018:Q2",23,0.39100000000000001,0.39100000000000001,0.217,0.17399999999999999,0.435,0.39100000000000001,0.47799999999999998,0.30399999999999999,0.217]
["2018:Q1",28,0.35709999999999997,0.39290000000000003,0.25,0.25,0.42859999999999998,0.32140000000000002,0.5,0.35709999999999997,0.1429]
["2017:Q4",19,0.21052631578947367,0.63157894736842102,0.15789473684210525,0.21052631578947367,0.52631578947368418,0.26315789473684209,0.42105263157894735,0.47368421052631576,0.10526315789473684]
[]
[]
[]
[]
["Period",null,"Willingness to pledge \npersonal assets",null,null,"Personal wealth of \nbusiness owners",null,null,"Debt-to-income level of \nbusiness owners"]
[]
[null,"Number of responses","Not important ","Somewhat important","Very important","Not important ","Somewhat important","Very important","Not important ","Somewhat important","Very important"]
["2020:Q4",30,0.43333333333333335,0.4,0.16666666666666666,0.16666666666666666,0.53333333333333333,0.3,0.13333333333333333,0.36666666666666664,0.5]
["2020:Q3",46,0.43478260869565216,0.39130434782608697,0.17391304347826086,0.2391304347826087,0.5,0.2608695652173913,0.13043478260869565,0.43478260869565216,0.43478260869565216]
["2020:Q2",59,0.47457627118644069,0.33898305084745761,0.1864406779661017,0.32203389830508472,0.44067796610169491,0.23728813559322035,0.1864406779661017,0.38983050847457629,0.42372881355932202]
["2020:Q1",32,0.59375,0.28125,0.125,0.375,0.4375,0.1875,0.28125,0.3125,0.40625]
["2019:Q4",21,0.47619047619047616,0.2857142857142857,0.23809523809523808,0.23809523809523808,0.52380952380952384,0.23809523809523808,9.5238095238095233E-2,0.38095238095238093,0.52380952380952384]
["2019:Q3",18,0.22222222222222221,0.44444444444444442,0.33333333333333331,0.1111111111111111,0.72222222222222221,0.16666666666666666,5.5555555555555552E-2,0.55555555555555558,0.3888888888888889]
["2019:Q2",18,0.27777777777777779,0.5,0.22222222222222221,0.16666666666666666,0.72222222222222221,0.1111111111111111,0.1111111111111111,0.44444444444444442,0.44444444444444442]
["2019:Q1",20,0.35,0.35,0.3,0.2,0.55000000000000004,0.25,0.1,0.45,0.45]
["2018:Q4",17,0.29411764705882354,0.52941176470588236,0.17647058823529413,0.29411764705882354,0.70588235294117652,0,0.11764705882352941,0.47058823529411764,0.41176470588235292]
["2018:Q3",21,0.42857142857142855,0.38095238095238093,0.19047619047619047,0.19047619047619047,0.76190476190476186,4.7619047619047616E-2,4.7619047619047616E-2,0.42857142857142855,0.52380952380952384]
["2018:Q2",23,0.34799999999999998,0.26100000000000001,0.39100000000000001,0.217,0.47799999999999998,0.30399999999999999,4.2999999999999997E-2,0.435,0.52200000000000002]
["2018:Q1",28,0.42859999999999998,0.32140000000000002,0.25,0.1429,0.75,0.1071,0.1429,0.39290000000000003,0.46429999999999999]
["2017:Q4",19,0.31578947368421051,0.47368421052631576,0.21052631578947367,0.21052631578947367,0.68421052631578949,0.10526315789473684,0.10526315789473684,0.21052631578947367,0.68421052631578949]
[]
[]
[]
[]
["Period",null,"Liquidity position of \nbusiness owners",null,null,"Recent business income growth",null,null,"Prospects for business growth \nor enterprise values"]
[]
[null,"Number of responses","Not important ","Somewhat important","Very important","Not important ","Somewhat important","Very important","Not important ","Somewhat important","Very important"]
["2020:Q4",30,0.1,0.3,0.6,0.1,0.4,0.5,0.26666666666666666,0.43333333333333335,0.3]
["2020:Q3",46,0.10869565217391304,0.34782608695652173,0.54347826086956519,0.10869565217391304,0.58695652173913049,0.30434782608695654,0.15217391304347827,0.52173913043478259,0.32608695652173914]
["2020:Q2",59,0.11864406779661017,0.38983050847457629,0.49152542372881358,0.20338983050847459,0.44067796610169491,0.3559322033898305,0.13559322033898305,0.47457627118644069,0.38983050847457629]
["2020:Q1",32,9.375E-2,0.46875,0.4375,0.15625,0.4375,0.40625,0.1875,0.28125,0.53125]
["2019:Q4",21,0.19047619047619047,0.2857142857142857,0.52380952380952384,0.14285714285714285,0.52380952380952384,0.33333333333333331,0.2857142857142857,0.47619047619047616,0.23809523809523808]
["2019:Q3",18,5.5555555555555552E-2,0.5,0.44444444444444442,5.5555555555555552E-2,0.66666666666666663,0.27777777777777779,0.22222222222222221,0.55555555555555558,0.22222222222222221]
["2019:Q2",18,0.1111111111111111,0.5,0.3888888888888889,0.1111111111111111,0.5,0.3888888888888889,0.16666666666666666,0.44444444444444442,0.3888888888888889]
["2019:Q1",20,0.2,0.5,0.3,0.1,0.55000000000000004,0.35,0.35,0.5,0.15]
["2018:Q4",17,0.17647058823529413,0.52941176470588236,0.29411764705882354,0.11764705882352941,0.6470588235294118,0.23529411764705882,0.41176470588235292,0.47058823529411764,0.11764705882352941]
["2018:Q3",21,4.7619047619047616E-2,0.5714285714285714,0.38095238095238093,4.7619047619047616E-2,0.66666666666666663,0.2857142857142857,0.23809523809523808,0.5714285714285714,0.19047619047619047]
["2018:Q2",23,0,0.60899999999999999,0.39100000000000001,0,0.65200000000000002,0.34799999999999998,0.17399999999999999,0.47799999999999998,0.34799999999999998]
["2018:Q1",28,0.1071,0.60709999999999997,0.28570000000000001,0.1071,0.64290000000000003,0.25,0.21429999999999999,0.57140000000000002,0.21429999999999999]
["2017:Q4",19,0.10526315789473684,0.52631578947368418,0.36842105263157893,0.10526315789473684,0.47368421052631576,0.42105263157894735,0.21052631578947367,0.52631578947368418,0.26315789473684209]