CSBS Community Bank Sentiment, Operations Expansion Index

The CSBS Community Bank Sentiment, Operations Expansion Index captures on a quarterly basis what community bankers nationwide think about expanding their bank's operations and market presence over the next 12 months. The Operations Expansion Index is one of seven indicators used to create the Community Bank Sentiment Index. Survey responses are used to calculate an index for each indicator. Each index is calculated by subtracting the percentage of respondents reporting a decrease from the percentage reporting an increase and then adding 100. When the share of community banks reporting an increase exceeds the share of community banks reporting a decrease, the index will be greater than 100, suggesting expansion and positive sentiment. If the share of community banks reporting a decrease exceeds the share reporting an increase, the index will be below 100, suggesting contraction and negative sentiment. An index will be 100 when the number of community banks reporting an increase is equal