Board of Governors of the Federal Reserve System

consumer spending. Some contacts said they do not expect a pickup in activity...Consumers remained focused on purchases of consumables and items that

consumer loans 12 111.9 112.5 115.6 115.1 114.2 120.9r 133.3r 130.6 131.7...consumer loans 12 283.5 296.5 296.9 296.4 295.5 294.3 293.2 287.2 290.6

consumer level appears to have moderated. Labor markets remain fairly ...Consumer Spending Most general merchandise stores report that sales were

Consumer demand for computers and related equipment remained good while...consumers are purchasing goods at a discount, where previously they weren't

Consumers remain price conscious. Outlooks are still cautious, and contacts...consumer and commercial loans. Real estate lending remained scarce due

consumer loans. Several banks indicated that loan delinquencies have been...consumer loan demand to remain soft, and they expect tight credit standards

consumer confidence has dropped significantly. Sales have slipped for ...consumer has pulled out of the market." The outlook among retailers in

Consumer borrowing increased with new home purchases, but wet weather ...consumer borrowing for home purchases, brisk refinancing activity and

consumer, and gasoline prices softened. Retail gasoline prices peaked ...consumer and home equity lending. Real estate lending has been the slowest

consumers. TBC states that the proposed acquisition of Emerald would allow...consumer convenience. Accordingly, the Board has determined that the balance