Bank Sentiment Index Survey

1.What State is your institution's headquarters located?

2.Please indicate the direction of Commercial Loans

Over the Past 3 months

Over the Next 6 months

Loan Pipeline

Portfolio Balance

Average Interest Rate

3.Please indicate the direction of Home Mortgages

Over the Past 3 months

Over the Next 6 months

Loan Pipeline

Portfolio Balance

Average Rate

4.Please indicate the direction of Other Loans

Over the Past 3 months

Over the Next 6 months

Loan Pipeline

Portfolio Balance

Average Rate

5.Please indicate the direction of Deposit Rates

Over the Past 3 months

Over the Next 6 months

MMDA

NOW

Savings

Time Deposits

6.Please indicate the direction of Deposit Balances

Over the Past 3 months

Over the Next 6 months

MMDA

NOW

Savings

Time Deposits

7.Please indicate the direction of Net Interest Margin and its components

Over the Past 3 months

Over the Next 6 months

Net Interest Margin

Yield on Earning Assets

Cost of Funds

8.Please indicate your expected direction of the following Market Rates

Over the Next 6 months

Fed Funds Rate

2-year U.S. Treasury Yield

10-year U.S. Treasury Yield

30-year Mortgage Rate

9.Please indicate your expected direction of the General Economy over the next

12 months

2 years

3 years

5 years