* How have various SOURCES OF FUNDS changed at your financial institution over the past three months?

  Down significantly Down some No change Up some Up significantly Not applicable
Insured deposits
Other deposits
Borrowing from other financial institutions
Senior notes
Borrowing from government organizations

* How has the VOLUME of credit to various customer groups changed over the past three months (seasonally adjusted)?

  Down significantly Down some No change Up some Up significantly Not applicable
Other financial institutions
Businesses
Consumers

* If OVERALL credit volume is down, WHY is it down? (Please mark all that apply.)

* How has the CREDIT QUALITY of various loan applicants changed over the past three months?

  Up significantly Up some No change Down some Down significantly Not applicable
Other financial institutions
Businesses
Consumers

* Among different loan groups, have credit standards been TIGHTENED or LOOSENED by your financial institution? (Please mark all that apply.)

  Credit standards TIGHTENED Credit standards LOOSENED No change
Other financial institutions
Businesses
Consumers

T