VrenKapstead Warning: FCA Says the Firm is Unauthorised—5 Checks Before You Pay
The FCA added VrenKapstead to its Warning List on 18 August 2026. See the domains named, what protection may be missing, and five checks before payment.
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Banking Conditions Survey
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Abstract：Solid Loan Demand Growth Continues amid Pricing Increases
Loan demand and loan volumes continued to increase at a robust pace over the past six weeks, despite a sharp rise in loan pricing. Loan volume increases spanned lending types, and growth remained strongest for commercial real estate loans. Nonperforming loans continued to decrease, and credit standards and terms tightened slightly. Contacts expressed concerns about the effects of interest rate increases, inflation, rising wages and staffing shortages. Respondents expect increases in loan demand and decreases in nonperforming loans over the next six months. While general business activity continued to improve over the previous reporting period, expectations for six months from now were mixed.
Next release: May 16, 2022
| Data were collected March 22–30, and 64 financial institutions responded to the survey. The Federal Reserve Bank of Dallas conducts the Banking Conditions Survey twice each quarter to obtain a timely assessment of activity at banks and credit unions headquartered in the Eleventh Federal Reserve District. CEOs or senior loan officers of financial institutions report on how conditions have changed for indicators such as loan volume, nonperforming loans and loan pricing. Respondents are also asked to report on their banking outlook and their evaluation of general business activity.Survey responses are used to calculate an index for each indicator. Each index is calculated by subtracting the percentage of respondents reporting a decrease (or tightening) from the percentage reporting an increase (or easing). When the share of respondents reporting an increase exceeds the share reporting a decrease, the index will be greater than zero, suggesting the indicator has increased over the prior reporting period. If the share of respondents reporting a decrease exceeds the share reporting an increase, the index will be below zero, suggesting the indicator has decreased over the prior reporting period. An index will be zero when the number of respondents reporting an increase is equal to the number reporting a decrease. |
Historical data are available from March 2017.
| Total Loans:Over the past six weeks, how have the following changed？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Increase | % Reporting No Change | % Reporting Decrease |
| Loan volume | 39.1 | 37.5 | 54.7 | 29.7 | 15.6 |
| Loan demand | 36.5 | 33.3 | 50.8 | 34.9 | 14.3 |
| Nonperforming loans | –14.3 | –18.1 | 9.5 | 66.7 | 23.8 |
| Loan pricing | 52.4 | 11.4 | 52.4 | 47.6 | 0.0 |
| Indicator | Current Index | Previous Index | % Reporting Eased | % Reporting No Change | % Reporting Tightened |
| Credit standards and terms | –5.1 | –5.8 | 5.1 | 84.7 | 10.2 |
| Commercial and Industrial Loans:Over the past six weeks, how have the following changed？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Increase | % Reporting No Change | % Reporting Decrease |
| Loan volume | 21.7 | 22.4 | 31.7 | 58.3 | 10.0 |
| Nonperforming loans | –15.0 | –16.7 | 3.3 | 78.3 | 18.3 |
| Indicator | Current Index | Previous Index | % Reporting Eased | % Reporting No Change | % Reporting Tightened |
| Credit standards and terms | –5.0 | –4.6 | 0.0 | 95.0 | 5.0 |
| Commercial Real Estate Loans:Over the past six weeks, how have the following changed？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Increase | % Reporting No Change | % Reporting Decrease |
| Loan volume | 43.4 | 30.9 | 51.7 | 40.0 | 8.3 |
| Nonperforming loans | –10.2 | –16.1 | 1.7 | 86.4 | 11.9 |
| Indicator | Current Index | Previous Index | % Reporting Eased | % Reporting No Change | % Reporting Tightened |
| Credit standards and terms | –1.7 | –9.0 | 5.2 | 87.9 | 6.9 |
| Residential Real Estate Loans:Over the past six weeks, how have the following changed？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Increase | % Reporting No Change | % Reporting Decrease |
| Loan volume | 12.9 | 14.5 | 33.9 | 45.2 | 21.0 |
| Nonperforming loans | –1.6 | –10.1 | 6.5 | 85.5 | 8.1 |
| Indicator | Current Index | Previous Index | % Reporting Eased | % Reporting No Change | % Reporting Tightened |
| Credit standards and terms | 0.0 | –4.4 | 0.0 | 100.0 | 0.0 |
| Consumer Loans:Over the past six weeks, how have the following changed？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Increase | % Reporting No Change | % Reporting Decrease |
| Loan volume | 9.5 | 2.8 | 22.2 | 65.1 | 12.7 |
| Nonperforming loans | –3.3 | –4.1 | 4.8 | 87.1 | 8.1 |
| Indicator | Current Index | Previous Index | % Reporting Eased | % Reporting No Change | % Reporting Tightened |
| Credit standards and terms | 1.6 | –1.4 | 1.6 | 98.4 | 0.0 |
| Banking Outlook:What is your expectation for the following items six months from now？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Increase | % Reporting No Change | % Reporting Decrease |
| Total loan demand | 35.9 | 51.4 | 54.7 | 26.6 | 18.8 |
| Nonperforming loans | –4.8 | –5.7 | 12.9 | 69.4 | 17.7 |
| General Business Activity:What is your evaluation of the level of activity？ | |||||
| Indicator | Current Index | Previous Index | % Reporting Better | % Reporting No Change | % Reporting Worse |
| Over the past six weeks | 28.1 | 38.9 | 42.2 | 43.8 | 14.1 |
| Six months from now | 0.0 | 35.2 | 31.1 | 37.7 | 31.1 |
Disclaimer:
The views in this article only represent the author's personal views, and do not constitute investment advice on this platform. This platform does not guarantee the accuracy, completeness and timeliness of the information in the article, and will not be liable for any loss caused by the use of or reliance on the information in the article.
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