“The Office of the Comptroller of the Currency (OCC) conducted its 17th annual underwriting survey to identify trends in lending standards and credit risk for the most common types of commercial and retail credit offered by national banks. The survey covers the 12-month period ending February 28, 2011. The 2011 survey includes examiner assessments of credit underwriting standards at 54 of the largest national banks with assets of $3 billion or more. Examiners reported on loan products greater than 2 percent of the company’s committed loan portfolio or more than $10 billion in committed exposure. The OCC recognizes that banks may offer many other products not meeting these thresholds; however, because of the size of the product portfolios, examiners did not gather information on them for the purposes of this report. The survey covers loans totaling $4.2 trillion as of December 31, 2010, which represents approximately 94 percent of total loans in the national banking system at that time. Large banks discussed in this report are the 14 largest banks by asset size supervised by the OCC’s Large Bank Supervision Department; the other 40 banks are supervised by the OCC’s Midsize and Community Bank Supervision Department.”