Most small business owners won’t apply for a loan or hire in 2013, according to Bank of America’s semi-annual Small Business Owner Report. Here are results from the study.

19% Amount of small business owners who intend to apply for a loan in 2013.

63% Amount of small businesses whose majority of customers come from the local community.

31% Amount of small businesses owners who plan to hire more employees over the next 12 months.

56% Amount of small business owners who plan to keep staffing projections consistent.