Additional Information by Question

SECTION 1 -

Question 1

Every institution is different. We would like to know who your bank considers to be a small business borrower. Please use your expert knowledge to help us determine if there are differences across banks.

Question 2

Use your institution's answer to Question 1 to define small businesses to answer this question.

Question 3

Institutions often differ in the size of the business that they would consider to be a small business, using a firm's gross annual revenue.

Question 5

These are typically loan products with streamlined underwriting, and quicker turnaround.

SECTION 4 -

Question 12

This number comes from Call Report Schedule RC-C Part 1 and is the sum of Lines 1c(2)(a) and 1c(2)(b).

Question 13

This number comes from Call Report Schedule RC-C Part 1 and is the sum of Lines 1e(1) and 1e(2).

Question 14

The size of a Commercial & Industrial loan is typically used to proxy for the size of the business being lent to. We'd like to know for loans of $1 million or less (reported on regulatory Call Reports), and greater than $1 million (not reported on Call Reports), how much of these loan dollars were actually extended to small businesses?

(See table in question)

Loan size $100K or less, Column B: This number is from Call Report Schedule RC-C Part 2, Line 4a, Column B.

Loan size Greater than $100K up to $250K, Column B: This number is from Call Report Schedule RC-C Part 2, Line 4b, Column B.

Loan size Greater than $250K up to $1Mil, Column B: This number is from Call Report Schedule RC-C Part 2, Line 4c, Column B.

Loan size Greater than $1 Mil, Column B: For banks with $300 million or more in total assets, this number is derived from Call Report Schedule RC-C and is Schedule RC-C Part 1, Line 4a, Column A, less the sum of Call Report Schedule RC-C Part 2, Line 4a, Column B, Call Report Schedule RC-C Part 2, Line 4b, Column B, and Call Report Schedule RC-C Part 2, Line 4c, Column B. For banks with less than $300 million in total assets, this number is derived from Call Report Schedule RC-C and is Schedule RC-C Part 1, Line 4, Column B, less the sum of Call Report Schedule RC-C Part 2, Line 4a, Column B, Call Report Schedule RC-C Part 2, Line 4b, Column B, and Call Report Schedule RC-C Part 2, Line 4c, Column B.

SECTION 5 -

Question 21

Below what age would your institution consider a small business to be a new business?

Question 21B

These differences could be either in underwriting criteria, and/or processes used to evaluate a startup.

SECTION 6 -

Question 33

Customers who have opted in for overdraft coverage of debit transactions under Reg E will have filled out an A-9 model consent form for overdraft services.