Small Business and Micro Business Lending in the United States, for Data Years 2007-2008

摘要

This edition of the Office of Advocacy's annual study of lending to small and micro businesses by most depository institutions in the United States continues its expanded coverage. Included, in addition to banks, are other depository institutions, such as federal and state savings banks and savings and loan associations. The report also includes broader geographic coverage extended to the U.S. territories. The source information consists of two types of data reported by depository institutions to their respective regulating agencies - Call Reports for June 2008 and Community Reinvestment Act (CRA) reports for 2007. These represent the most current data available. The smaller number of institutions required to submit CRA reports means that the coverage of small business lending activities under CRA reporting is reduced relative to Call Report coverage. This study covers both small business lending (loans of less than $1 million) and micro business lending (loans of less than $100,000, a subset of small business lending) for all reporting institutions, and for multi-billion-dollar lending institutions for the 2007-2008 period. Some information is also provided about the subset of larger small business loans between $100,000 and $1 million. The report provides data on the top institutions lending to small businesses in each state.