All Six Surveys

Economic Development Survey for FHLBank of Pittsburgh Participants Please respond to the fol... Page 1 of 4

Economic Development Survey for FHLBank of Pittsburgh Participants
Please respond to the following questions to assist the Federal Housing
Finance Agency in identifying the nation's unmet economic development
credit needs. Your responses are important to us. The Federal Housing
Finance Agency is administering this voluntary survey. Your responses will
be anonymous and will only be associated with the type of your
organization. Your responses will also be provided to the Federal Home
Loan Bank (FHLBank) as written (i.e., unedited) to facilitate the open-forum
discussion.
This survey should take no more than 10 to 15 minutes to complete. Thank
you very much for taking part in this survey.
OMB No. 2590-XXXX, Exp. Date: MM/DD/2010.

1

Please check the federal, state, or local economic development
funding programs that your organization participates in? (select all that
apply)
Small Business Administration (SBA) 7(a) Program
Small Business Administration (SBA) 504 Program
U.S. Department of Agriculture (USDA) Rural Community
Development Initiatives
U.S. Economic Development Administration (EDA)
State/local economic development authorities
Other (please specify):

2

What are the biggest economic problems your market has faced in the
past 2 years? (please select only your top three)
Decline of a major industry (e.g. auto) - If selected, please
identify the major industry in the "other" field below.
Decline in sources of funds
Decline in private sources of funds
Decline in Federal sources of funds
Decline in state sources of funds
Decline in local sources of funds
Decline in business credit demand

http://www.zoomerang.com/Survey/WEB22B39LABYUQ

8/18/2010

Economic Development Survey for FHLBank of Pittsburgh Participants Please respond to the fol... Page 2 of 4
General decline in small business activity
High unemployment
Lack of public infrastructure to support development
Lack of local government concessions (e.g., tax abatements)
More restrictive credit requirements
Other (please specify):

3

Rank the following purposes of business credit for which there is an
unmet demand in your market. (1 = Most Important, 4 = Least
Important).
1

2

3

4

Equipment
Expansion
Permanent Working Capital
Premises/Real Estate

4

What is currently the most difficult portion of an economic
development funding package for your organization to obtain?
Loan from private lender
Guarantees/credit enhancements
Gap financing
Equity
Other (please specify):

5

Please describe the types of economic development initiatives that
you think will be creating demand for long-term financing (maturities of
5 years or more) in your market area in the next five years (e.g.,
evolving industries, small businesses, relocation packages for regional
or national business headquarters, local government expansion).
5

6

6

What types of economic development initiatives have been successful
in your organization's service area; for example, initiatives that have

http://www.zoomerang.com/Survey/WEB22B39LABYUQ

8/18/2010

Economic Development Survey for FHLBank of Pittsburgh Participants Please respond to the fol... Page 3 of 4
created jobs, provided new public services, or revitalized a specific
geographical area?
5

6

7

Are you familiar with the FHLBank's targeted economic development
funding program?
Never heard of the program.
Yes, but have not obtained funding through it.
Yes, have worked with an FHLBank member to obtain funding.

8

If your organization has obtained funding from a member using a
FHLBank's targeted economic development program, what are the
features of the FHLBank's program that you are most satisfied
with? (1 = Very Satisfied, 5 = Least Satisfied)
1

2

3

4

5

Term
Additional Comments:
5
6

Pricing
Additional Comments:
5
6

Targeting of purpose
Additional Comments:
5
6

Eligible ways to use funds for targeted purposes
Additional Comments:
5
6

Other (please specify the "other" in the additional comments box
below)

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8/18/2010

Economic Development Survey for FHLBank of Pittsburgh Participants Please respond to the fol... Page 4 of 4
Additional Comments:
5
6

9

What economic development needs (e.g., types of industries,
geographic areas, or other) do you think should be targeted for
FHLBank economic development funding?
5

6

10 Does your institution have small business, small farm, or agribusiness
and other community development loans/assets to use as collateral
for economic development advances from the FHLBank?

11 Please identify your organization type from the drop down list below.
6

http://www.zoomerang.com/Survey/WEB22B39LABYUQ

8/18/2010

#11 Drop down list

FHLBank Member Economic Development Survey for FHLBank of Pittsburgh Participants Pleas... Page 1 of 6

FHLBank Member Economic Development Survey for FHLBank of
Pittsburgh Participants
Please respond to the following questions to assist the Federal Housing
Finance Agency in identifying the nation's unmet economic development
credit needs. Your responses are important to us. The Federal Housing
Finance Agency is administering this voluntary survey. Your responses will
be anonymous and will only be associated with the type of your
organization. Your responses will also be provided to the Federal Home
Loan Bank (FHLBank) as written (i.e., unedited) to facilitate the open-forum
discussion.
This survey should take no more than 10 to 15 minutes to complete. Thank
you very much for taking part in this survey.
OMB No. 2590-XXXX, Exp. Date: MM/DD/2010

1

Is your institution a/an?
Certified Community Development Financial Institution (housing)
Certified Community Development Financial Institution (business)
Certified Community Development Financial Institution (both:
housing & business)
Credit union (Regulated by NCUA)
Commercial bank (regulated by OCC, the Federal Reserve, or
the FDIC)
Housing associate (state or local housing finance or economic
development finance authority)
Insurance company
Savings association (regulated by OTS)

2

Please check the federal, state or local economic development
funding programs that your institution participates in. (select all that
apply)
Small Business Administration (SBA) 7(a) Program
Small Business Administration (SBA) 504 Program
U.S. Department of Agriculture (USDA) Rural Community
Development Initiatives
U.S. Economic Development Administration (EDA)
State/local economic development authorities
Other (please specify):

http://www.zoomerang.com/Survey/WEB22B3CAYDMSF

8/18/2010

FHLBank Member Economic Development Survey for FHLBank of Pittsburgh Participants Pleas... Page 2 of 6

3

What are the biggest economic problems your market has faced in the
past 2 years? (please select only your top three)
Decline of a major industry (e.g. auto) - If selected, please
identify the major industry in the "other" field below.
Decline in sources of funds
Decline in private sources of funds
Decline in Federal sources of funds
Decline in state sources of funds
Decline in local sources of funds
Decline in business credit demand
General decline in small business activity
High unemployment
Lack of public infrastructure to support development
Lack of local government concessions (e.g., tax abatements)
More restrictive credit requirements
Other (please specify):

4

Rank the following purposes of business credit for which there is an
unmet demand in your market. (1 = Most Important, 4 = Least
Important).
1

2

3

4

Equipment
Expansion
Permanent Working Capital
Premises/Real Estate

5

What are the most difficult portions of an economic development
funding package for the borrower to come up with? (please rank using
1 = Most difficult, 3 = Least difficult)
1

2

3

Equity Loan from private lender
Gap financing

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8/18/2010

FHLBank Member Economic Development Survey for FHLBank of Pittsburgh Participants Pleas... Page 3 of 6
Guarantees/credit enhancements

6

What do you view as the biggest hurdle to borrowers trying to qualify
for economic development financing at your institution?
Borrower's weak financial position
Cost (interest rates, fees, short amortization) of private loan
Subordination of loans
Lack of collateral
Lack of private credit
Lack of public credit
Other (please specify):

7

Does your institution provide any of the following financing products
for economic development projects? (select all that apply)
Gap Financing
Grants
Guarantee
Loans
Letters of Credit
Does Not Provide Economic Development Financing
Other (please specify):

8

What is the annual volume (number of loans and dollar amount of
loans) of economic development lending done by your institution?
Number of
Economic
Development
Loans:
Dollar Amount of
Economic
Development
Loans:

9

Does your institution offer loans or other credit products for the
following types of activities? (select all that apply)
Agribusiness
CDFI Intermediaries
Farms

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8/18/2010

FHLBank Member Economic Development Survey for FHLBank of Pittsburgh Participants Pleas... Page 4 of 6

Infrastructure
Small Businesses (as defined by SBA or less than 100
employees)
Medium Sized Businesses (100-499 employees)
Large Sized Businesses (500 or more employees)
Social Services
Other (please specify):

10 If yes to question 9, what are the loan maturities? (select all that
apply)
1 year or shorter
From 1 to 5 years
From 5 to 10 years
From 10 to 20 years
Longer than 20 years

11 Please describe the types of economic development initiatives that
you think will be creating demand for long-term financing (maturities of
5 years or more) in your market area in the next five years (e.g.,
evolving industries, small businesses, relocation packages for regional
or national business headquarters, local government expansion).
5

6

12 What types of economic development initiatives have been successful
in your institution's service area; for example, initiatives that have
created jobs, provided new public services, or revitalized a specific
geographical area?
5

6

13 When was the last time that your institution applied for or obtained a
targeted economic development advance, grant or letter of credit from
an FHLBank?
Never applied for an advance, grant, or letter of credit
Within the last year
Within the last 3 years

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8/18/2010

FHLBank Member Economic Development Survey for FHLBank of Pittsburgh Participants Pleas... Page 5 of 6

Within the last 5 years
Within the last 10 years

14 How many FHLBank targeted economic development advances were
you approved for within the last five years?
Never applied for targeted economic development advances
Less than 5 advances
5 advances to less than 10 advances
10 advances to less than 20 advances
20 or more advances

15 Is there a feature of the FHLBank's targeted economic development
advances program that deters your institution from obtaining these
advances to fund your economic development and small business
credit activities?
Regulation is too confusing
Targeting requirements for use of advances doesn't target the
economic development needs in my service area
Not inclined to use housing assets as collateral for economic
development loans
Don't have sufficient housing assets to collateralize economic
development advances
Paperwork/Documentation
Other (please specify):

16 What economic development needs (e.g., types of industries,
geographic areas, or other) do you think should be targeted for the
use of FHLBank economic development funding?
5

6

17 In your opinion, what would be the characteristics of successful
targeted economic development advances from your FHLBank, that
your institution would be willing and able to access regularly to
support economic development and business financing in your market
area?
5

6

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8/18/2010

FHLBank Member Economic Development Survey for FHLBank of Pittsburgh Participants Pleas... Page 6 of 6

18 Does your institution qualify as a community financial institution (CFI)
(i.e., assets at or below $1.01 billion?

19 If your institution is a CFI, does your institution have small business,
small farm, agribusiness and other community development
loans/assets to use as collateral for economic development advances
from the FHLBank?

20 Please provide your total assets as of 12/31/09.

http://www.zoomerang.com/Survey/WEB22B3CAYDMSF

8/18/2010

PROPOSED SURVEY QUESTIONS FOR ECONOMIC and COMMUNITY DEVELOPMENT TRADE GROUPS 
(For October Open‐Forum Discussion) 

What type of organizations do your association represent?  (check all that apply) 
Economic development 
Social services or facilities 
Public/government‐related services or facilities 
Owner‐occupied development/preservation 
Single‐family  
Multifamily  
Rental development/preservation 
Single‐family 
Multifamily  
Private 
Governmental/quasi‐government 
Public/private partnership 

Are your members primarily 

Not‐for‐profits 

For‐profits 

Both not‐for‐profit and for‐profit 

Government   

Do your members rely primarily on funding for economic development from 
Government sources 
Private sources 
Both 

Do your members primarily focus on  
Revitalizing declining areas 
Businesses in newly developing areas 
Sustaining existing communities 

Do your members primarily use economic development financing for  
small businesses (SBA defined)  
expansion of medium businesses 
relocations of large businesses from other areas 
farms and agribusinesses 

What are the uses of and need for economic development funding by your members?  Please rank 
from 1 (most important) to 5 (least important) 

Uses 
Needs 
Premises 

Equipment 

Expansion 
Permanent 
Working 
Capital 
Other 

What federal, state or local economic development programs or sources of funding are most 
important to your member organizations for funding economic development activities? 

Please list the three most useful attributes of these government‐related programs for your 
members (e.g., no restriction on working capital, fixed interest rate, etc) 

 Please list the three most difficult requirements of these government‐related programs for 
your members (e.g., equity requirements too high, collateral requirements, subordination 
requirements, minimum loan amounts too high). 

What private economic development programs or sources of funding are most important to your 
member organizations for funding economic development? 

Please list the three most useful attributes of these private programs for your members (e.g., 
no restriction on working capital, fixed interest rate, etc) 

 Please list the three most difficult requirements of these private programs for your members 
(e.g., equity requirements too high, limited availability, subordination requirements). 

What is the biggest economic problem your members have faced in the past 2 years? 
Decline of a major industry (e.g., auto) 
Decline in sources of funds  

Private sources 

Government sources 
More restrictive credit requirements  
Lack of public infrastructure to support development 
Lack of local government concessions (e.g., tax abatements) 

Other 

What do you view as the most important industries for economic development funding (please rank 
from 1 (most important) to 7 (least important) 
a. Commercial 
b. Industrial 
c. Manufacturing 
d. Farming/agribusiness 
e. Social Services 
f. Public facility projects and activities 
g. Public or private infrastructure projects such as roads, utilities and sewers 

Please describe the types of economic development initiatives that will require long‐term financing, 
create jobs and spur economic growth (e.g., hospitals, fire companies, energy and/or 
telecommunications  industries): 

What types of economic development initiatives have been successful in your organization’s service 
area, for example, initiatives that have created jobs in certain industries (green jobs, energy), 
provided for social services (parks, day care centers), and/or located in a specific geographical area 
(unemployment, population loss census tracts, or empowerment zone etc.) 

Is your organization familiar with the Federal Home Loan Banks? 

Is your organization familiar with the economic development lending programs of the Federal Home 
Loan Banks for advancing funds to banks and thrifts to lend to businesses and organizations for 
economic development activities? 

Does your organization have a working relationship with one or more Federal Home Loan Banks on 
behalf of your members? 

Has your organization discussed issues or problems with the FHLBanks regarding economic 
development activities?  If so, what were the issues/problems? 

SURVEY QUESTIONS FOR STATE AND LOCAL ECONOMIC DEVELOPMENT AUTHORITIES — 
(For October Open‐Forum Discussion) 

1) What is currently the most difficult portion of an economic development funding 
package for the borrower to come up with? (select one response)  
Loan from private lender 
Guarantees/credit enhancements 
Gap financing 
Equity  
Other 
2) What do you view as the biggest hurdle to obtaining economic development 
financing? (select one response) 
Cost (interest rates, fees, short amortization) of private loan 
Subordination 
Collateral 
Lack of private credit 
Lack of public credit 
Other 
3) What would be useful attributes of private economic development funding that would 
complement your agency’s programs? (check all that apply) 
Long‐term funding 
Short‐term/bridge funding 
Fixed‐rate funding 
Funding for premises 
Funding for equipment 
Funding for permanent working capital 
Subordination 
Guarantees/Credit enhancements 
Equity 
Small loans 
Other 

4) What do you see as the more critical needs for economic development?  (check all  
that apply) 
Rural Areas 
Urban Areas 
Particular states or regions of the country (please specify) 
Small businesses 
Expansion of medium businesses 
Redevelopment of declining areas 
Development of new areas 
Sustaining existing communities 

Development of new industries (e.g., “green” products and services) to replace declining 
industries 
Micro and small business incubation 
5) What do you view as the most important industries for economic development 
funding (please rank from 1 = most important to 7 = least important) 
Commercial 
Industrial 
Manufacturing 
Farming/agribusiness 
Social Services 
Public facility projects and activities 
Public or private infrastructure projects such as roads, utilities and sewers 

6) Does your agency primarily focus on? (please rank 1 = most important, 2 = very 
important, 3 = important)   
Revitalizing declining areas 
Businesses in newly developing areas 
Sustaining existing communities 

7) Does your agency primarily use economic development financing for? (please rank 1= 
most important, 2 = very important, 3 = important, 4 = somewhat important) 
Small businesses (SBA defined)  
Expansion of medium businesses 
Relocations of large businesses from other areas 
Farms and agribusinesses 

8) Please check the purposes of business credit for which there is unmet demand in your market. 
(Please rank from 1 = most important to 5 = somewhat Important? 

Premises 

Equipment 

Expansion 

Permanent Working Capital 

Other(please specify) 

9) Do you restrict funding for any of these purposes? 
• No 
• Yes (please specify) 

10) What do you think are the three most useful attributes of your program for borrowers 
(e.g., no restriction on working capital, fixed interest rate, etc.)? (Comment Box) 

11) What do you think are the three most difficult requirements of your program for 
borrowers to meet (e.g., equity requirements, collateral requirements, subordination 
requirements, minimum loan amounts)? (Comment Box) 

12) What is the biggest economic problem your market has faced in the past two years? 
(please select only your top three)  

Decline of a major industry (e.g., auto) – If selected, please identify the major industry in the 
“other” field below. 
Decline in Private sources 
Decline in Government sources 
More restrictive credit requirements  
General decline in small business activity 
High unemployment 
Lack of public infrastructure to support development 
Lack of local government concessions (e.g., tax abatements) 
Other (please specify): 
13) What do you view as the most important industries for economic development funding? 
(please rank from 1 = most important to 7 = least important) 

Commercial 
Industrial 
Manufacturing 
Farming/agribusiness 
Social Services 
Public facility projects and activities 
Public or private infrastructure projects such as roads, utilities and sewers 

14) Please describe the types of economic development initiatives that will require long‐term 
financing, create jobs and spur economic growth (e.g., hospitals, fire companies, energy 
and/or telecommunications industries): (Comment Box) 

15) What types of economic development initiatives have been successful in your 
organization’s service area, for example, initiatives that have created jobs in certain 
industries (green jobs, energy), provided for social services (parks, day care centers), and/or 
located in a specific geographical area (unemployment, population loss census tracts, or 
empowerment zone etc.) (Comment Box) 

16) Are you familiar with the FHLBanks’ targeted economic development programs which 
advances funds to banks and thrifts to lend to businesses and organizations for economic 
development activities? (Select one response) 

Never heard of the program 
We regularly partner with FHLBank member lenders 
Member lender regularly uses FHLBank economic development programs  
Do not know if this funding is provided through special FHLBank economic development 
programs  

17) Which type of financial assistance from the Federal Home Loan Banks might be of 
potentially greatest use to the grantees/borrowers/beneficiaries of your 
agency/department? (Please rank from 1 = highest to 4 = lowest). 

Loan 
Letter of Credit 
Grant 
Guarantee 

18) How could the FHLBanks programs used for economic development be improved? Please 
consider use of funding for targeted economic development programs. (Comment Box)  

Questions for Economists — (For October Open‐Forum Discussion) 

If you were to construct an Economic Development (ED) funding program what aspects would you 
emphasize and/or what areas would you target?  List 3 aspects or areas. 

What role can the FHLBanks play in economic development funding? 

What programs are you aware of that could benefit from new or increased economic development  
funding? 

Rank order this list by importance or need for ED funding: 
a. Commercial 
b. Industrial 
c. Manufacturing 
d. Social Services 
e. Public facility projects and activities 
f. Public or private infrastructure projects such as roads, utilities and sewers 
Is the order dependent on geography or some other characteristic? Describe. 

Please describe the types of economic development initiatives that will require long‐term financing, 
create jobs and spur economic growth (e.g., hospitals, fire companies, energy and/or 
telecommunications  industries): 

What types of economic development initiatives have been successful in your organization’s service 
area, for example, initiatives that have created jobs in certain industries (green jobs, energy), 
provided for social services (parks, day care centers), and/or located in a specific geographical area 
(unemployment, population loss census tracts, or empowerment zone etc.) 

Is the FHLBank model for private funding for bank and thrift lending for housing an appropriate 
model for private funding for bank and thrift lending for economic development and small 
businesses? 

What potential impact can a well designed FHLBank system economic development funding program 
have on the development or revitalization of a local community? 
g. Very positive 
h. Somewhat positive 
i. Neutral (no impact) 
j. Somewhat negative 
k. Very negative  

Please provide additional explanation if desired: 

Survey Questions for FHLBank Member Lenders — (For October Open‐Forum Discussion) 

Questions marked with an asterisk (*) are mandatory. 

1. * Is your institution a/an? 

Certified Community Development Financial Institution (housing) 

Certified Community Development Financial Institution (business) 

Certified Community Development Financial Institution (both: housing & business) 

Credit union 

Commercial bank (regulated by OCC, the Federal Reserve or the FDIC) 

Housing associate (state or local housing finance or economic development finance authority) 

Insurance company 

Savings association (regulated by OTS) 

2. * Please check the federal, state or local economic development funding programs that your 
institution participates in.  (check all that apply) 
Small Business Administration (SBA) 7(a) Program 
Small Business Administration (SBA) 504 Program   
U.S. Department of Agriculture (USDA) Rural Community Development Initiatives  
U.S. Economic Development Administration (EDA) 
State/local economic development authorities 
Other (please specify): 

3. * What is the biggest economic problem your market has faced in the past 2 years? (please select 
only your top three) 
Decline of a major industry (e.g., auto) – If selected, please identify the major industry in the 
“other” field below.  
Decline in sources of funds  
Decline in private sources of funds 
Decline in Federal sources of funds 
Decline in state sources of funds 
Decline in local sources of funds 
Decline in business credit demand 
General decline in small business activity 
High unemployment 
Lack of public infrastructure to support development 
Lack of local government concessions (e.g., tax abatements) 
More restrictive credit requirements 
Other (please specify): 

4. * Rank the following purposes of business credit for which there is an unmet demand in your 
market (1 = most important, 4 = least important).  
Equipment 
Expansion 
Permanent Working Capital 
Premises/Real estate 

5. * What is currently the most difficult portion of an economic development funding package for 
the borrower to come up with?  (1 = Most difficult, 3 = Least difficult) 

Equity Loan from private lender 

Gap financing 

Guarantees/credit enhancements 

6. * What do you view as the biggest hurdle to borrowers trying to qualify for economic 
development financing from your institution? 

Borrower’s weak financial position 

Cost (interest rates, fees, short amortization) of private loan 

Subordination of loans 

Lack of collateral 

Lack of private credit 

Lack of public credit 

Other (please specify): 

7. * Does your institution provide any of the following financing products for economic 
development projects (select all that apply) 
Gap Financing 
Grants 
Guarantee 
Loans  
Letters of Credit 
Does Not Provide Economic Development Financing 
Other (please specify): 

8. What is the annual volume (number of loans and dollar amount of loans) of economic 
development lending done by your institution? 

Number of Economic Development Loan: 

Dollar Amount of Economic Development Loans: 

9. * Does your institution offer loans or other credit products for the following types of activities 
(select all that apply) 
Agribusiness 
CDFI Intermediaries 
Farms 
Infrastructure  
Small Businesses (as defined by SBA or less than 100 employees) 
Medium Sized Businesses (100‐499 employees) 
Large Sized Businesses (500 or more employees) 
Social Services  
Other (please specify): 

10. * If yes to Question 9, what are the loan maturities? (select all that apply) 
1 year or shorter 
From 1 to 5 Years  
From 5 to 10 years  
From 10 to 20 years 
Longer than 20 Years 

11. * Please describe the types of economic development initiatives that you think will be creating 
demand for long‐term financing (maturities of 5 years or more) in your market area in the next 
five years (e.g., evolving industries, small businesses, relocation packages for regional or national 
business headquarters, local government expansion). 

12. * What types of economic development initiatives have been successful in your institution’s 
service area; for example, initiatives that have created jobs, provided new public services, or 
revitalized a specific geographical area?. 

13. * When was the last time that your institution applied for or obtained a targeted economic 
development advance, grant or letter of credit from an FHLBank? 
Never applied for an advance, grant, or letter of credit  
Within the last year 
Within the last 3 years  
Within the last 5 years 
Within the last 10 years 

14. * How many FHLBank targeted economic development advanceswere you approved for within 
the last five years? 
Never applied for a targeted economic development advances 
Less than 5 advances 
5 advances to less than 10 advances  
10 advances to less than 20 advances  
20 or more advances  

15. * Is there a feature of the FHLBank’s targeted economic development advances program that 
deters your institution from obtaining these advances to fund your economic development and 
small business credit activities? 
Regulation is too confusing 
Targeting requirements for use of  advances doesn’t target the economic development needs in 
my service area 
Not inclined to use housing assets as collateral for economic development loans 
Don’t have sufficient housing assets to collateralize economic development advances 
Paperwork/Documentation 
Other (please specify): 

16. * What economic development needs (e.g., types of industries, geographic areas, or other) do 
you think should be targeted for the use of FHLBank economic development funding? 

17. * In your opinion, what would be the characteristics of successful targeted economic 
development advances from your FHLBank, that your  institution would be willing and able to 
access regularly to support economic development and business financing in your market area? 

18. * Does your institution qualify as a community financial institution (CFI) (i.e., assets at or below 
$1.01 billion?   Yes________  No__________ 

19. * If your institution is a CFI, does your institution have small business, small farm, agribusiness or 
other community development loans/assets to use as collateral for economic development 
advances from the FHLBank?   Yes________  No__________ 

20. Please provide your total assets as of 12/31/09.