Federal Reserve Statistical Release, E.2, Survey of Terms of Business Lending; title with eagle logo links to Statistical Release home page

Release Date: September 29, 2004
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 2-6, 2004                          For immediate release
1. Commercial and industrial loans made by all commercial banks1                      September 29, 2004
Maturity/repricing interval2
and risk3 of loans		 Weighted-
average
effective
loan rate4
(percent)		 Total value of
loans
($ millions)		 Average
loan size
($ thousands)		 Weighted-
average
maturity5		 Percent of value of loans Commitment status
Secured
by
collateral		 Subject to
prepayment
penalty		 Prime based Percent
made under
commitment		 Average
months
since loan
terms set6
  Days  
 1. All C&I loans 3.51   74,015   454   496   42.1   26.5   29.4   77.7   17.3  
 2.   Mininal risk 2.48   2,219   640   421   36.4   12.5   16.7   82.4   5.1  
 3.   Low risk 2.64   13,633   933   637   17.0   47.1   12.5   79.2   16.0  
 4.   Moderate risk 3.29   23,693   500   568   47.5   23.9   29.5   83.4   16.3  
 5.   Other 3.91   23,104   437   398   54.6   11.1   40.9   73.8   20.4  
 
 6. Zero interval 4.52   13,304   178   641   68.1   6.9   69.2   90.8   14.3  
 7.   Mininal risk 2.75   372   272   411   52.4   30.7   19.9   99.1   4.0  
 8.   Low risk 3.96   1,337   283   629   45.6   1.4   38.5   97.2   14.7  
 9.   Moderate risk 4.43   4,435   203   637   65.7   2.7   79.9   92.5   14.1  
10.   Other 4.92   5,071   180   739   72.4   2.7   79.0   86.4   15.4  
 
11. Daily 2.56   24,657   840   202   29.8   29.7   16.1   63.5   24.2  
12.   Mininal risk 1.99   695   1,568   63   23.7   5.9   17.0   84.9   5.5  
13.   Low risk 1.99   5,729   2,377   293   4.4   55.7   4.6   65.1   32.4  
14.   Moderate risk 2.73   7,481   815   279   44.3   17.3   19.9   83.7   19.0  
15.   Other 2.74   6,612   1,090   59   36.8   14.1   8.2   44.0   17.6  
 
16. 2 to 30 days 3.07   15,479   708   475   36.6   31.3   17.8   78.2   11.3  
17.   Mininal risk 2.07   644   3,070   503   26.8   14.1   2.6   72.0   1.8  
18.   Low risk 2.32   3,068   1,507   689   14.0   54.1   6.2   95.5   5.1  
19.   Moderate risk 3.05   5,652   1,300   483   43.1   37.0   13.0   76.7   13.4  
20.   Other 3.93   4,203   366   296   51.1   17.5   35.4   70.3   12.6  
 
21. 31 to 365 days 4.18   16,236   705   533   41.7   34.6   23.4   87.7   18.2  
22.   Mininal risk 3.33   467   577   759   51.2   6.4   32.3   83.8   9.6  
23.   Low risk 3.29   3,082   810   919   23.4   47.0   18.4   82.0   7.0  
24.   Moderate risk 3.15   4,715   607   721   46.1   32.6   14.4   87.4   19.0  
25.   Other 3.83   5,276   1,349   293   60.6   13.1   40.9   94.1   30.7  
  Months  
26. More than 365 days 4.99   3,999   336   58   50.4   23.2   44.9   77.6   14.3  
27.   Mininal risk 5.52   33   55   50   87.7   4.9   10.3   25.1   6.0  
28.   Low risk 5.55   335   208   114   66.9   31.2   39.3   78.3   2.4  
29.   Moderate risk 4.15   1,295   360   58   27.5   46.9   36.2   64.3   7.1  
30.   Other 5.57   1,806   861   43   57.2   3.3   62.9   94.9   21.1  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.24   2,954   3.4   148   84.3   5.7   74.2   84.4   13.8  
32.   100 - 999 4.42   10,631   3.4   94   73.2   8.6   69.9   90.4   14.3  
33.   1,000 - 9,999 3.45   24,378   3.2   116   45.9   21.0   33.6   80.2   16.4  
34.   10,000+ 3.13   36,052   3.1   94   26.9   37.2   11.0   71.7   19.5  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.69   21,773   3.5   136   72.3   5.8   191   88.8   19.5  
36.   Other 3.01   52,242   3.1   90   29.5   35.2   1,063   73.0   16.3   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 2-6, 2004                          For immediate release
2. Commercial and industrial loans made by domestic banks1                            September 29, 2004
Maturity/repricing interval2
and risk3 of loans		 Weighted-
average
effective
loan rate4
(percent)		 Total value of
loans
($ millions)		 Average
loan size
($ thousands)		 Weighted-
average
maturity5		 Percent of value of loans Commitment status
Secured
by
collateral		 Subject to
prepayment
penalty		 Prime based Percent
made under
commitment		 Average
months
since loan
terms set6
  Days  
 1. All C&I loans 3.70   48,143   305   702   53.4   19.5   43.2   86.5   19.6  
 2.   Mininal risk 2.91   1,320   404   650   55.8   11.0   28.1   77.6   6.6  
 3.   Low risk 2.79   9,187   656   862   22.3   51.5   16.4   91.1   19.6  
 4.   Moderate risk 3.60   16,088   354   774   51.9   17.2   40.4   83.7   16.1  
 5.   Other 4.39   14,630   288   561   71.4   5.4   62.6   89.1   21.9  
 
 6. Zero interval 4.50   12,691   171   636   68.7   7.3   68.8   90.3   13.9  
 7.   Mininal risk 2.77   362   265   411   51.1   31.6   20.4   99.0   4.1  
 8.   Low risk 3.78   1,143   245   606   48.1   1.6   36.9   96.8   13.8  
 9.   Moderate risk 4.42   4,151   193   630   65.4   2.9   79.0   92.0   13.5  
10.   Other 4.90   4,947   178   740   72.7   2.8   78.8   86.1   15.3  
 
11. Daily 2.98   11,145   400   448   38.1   31.5   34.4   86.1   28.2  
12.   Mininal risk 2.28   224   656   185   52.2   .0   52.8   53.1   6.3  
13.   Low risk 2.06   3,379   1,516   456   5.7   76.9   7.8   98.3   36.3  
14.   Moderate risk 3.13   4,135   476   514   47.8   19.6   33.5   79.7   16.3  
15.   Other 4.29   1,048   191   452   74.3   .4   47.4   65.3   15.1  
 
16. 2 to 30 days 3.19   9,444   462   668   49.9   23.4   27.9   87.6   13.4  
17.   Mininal risk 2.38   288   1,910   1,074   59.8   .0   5.8   68.9   3.7  
18.   Low risk 2.40   2,306   1,235   797   18.3   53.8   8.2   97.4   6.2  
19.   Moderate risk 3.16   3,319   878   687   49.2   25.2   20.8   83.8   15.6  
20.   Other 4.25   2,387   217   463   83.9   2.0   59.3   92.5   12.6  
 
21. 31 to 365 days 3.65   10,901   500   696   52.6   16.6   32.7   85.2   24.3  
22.   Mininal risk 3.51   404   523   746   55.6   7.4   37.4   81.9   11.4  
23.   Low risk 3.49   1,943   536   1,314   30.1   39.5   23.7   71.4   9.7  
24.   Moderate risk 3.37   3,099   423   934   51.4   12.6   20.6   85.6   22.8  
25.   Other 3.85   4,660   1,359   299   62.1   11.7   44.7   94.3   32.4  
  Months  
26. More than 365 days 4.63   3,621   306   56   55.7   25.6   48.9   75.3   16.2  
27.   Mininal risk 5.52   33   55   50   87.7   4.9   10.3   25.1   6.0  
28.   Low risk 5.55   335   208   114   66.9   31.2   39.3   78.3   2.4  
29.   Moderate risk 4.14   1,269   359   58   28.0   47.7   34.9   63.6   7.3  
30.   Other 4.80   1,453   696   36   71.0   4.1   78.2   93.7   26.5  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.25   2,930   3.4   149   84.5   5.6   74.2   84.3   13.7  
32.   100 - 999 4.48   9,851   3.4   97   76.6   6.5   72.9   90.6   14.4  
33.   1,000 - 9,999 3.81   16,636   3.3   164   59.3   12.4   44.8   87.5   18.9  
34.   10,000+ 2.94   18,727   3.0   153   31.2   34.7   21.2   83.8   24.1  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.69   20,779   3.5   140   73.9   5.3   185   88.3   19.8  
36.   Other 2.95   27,364   2.9   149   37.9   30.2   603   85.2   19.5   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 2-6, 2004                          For immediate release
3. Commercial and industrial loans made by large domestic banks1                      September 29, 2004
Maturity/repricing interval2
and risk3 of loans		 Weighted-
average
effective
loan rate4
(percent)		 Total value of
loans
($ millions)		 Average
loan size
($ thousands)		 Weighted-
average
maturity5		 Percent of value of loans Commitment status
Secured
by
collateral		 Subject to
prepayment
penalty		 Prime based Percent
made under
commitment		 Average
months
since loan
terms set6
  Days  
 1. All C&I loans 3.40   39,724   487   646   46.5   22.9   37.3   87.8   20.6  
 2.   Mininal risk 2.55   1,115   1,827   683   50.9   13.1   26.3   83.2   5.6  
 3.   Low risk 2.39   7,715   2,253   660   14.2   59.6   10.2   94.6   22.0  
 4.   Moderate risk 3.34   14,009   662   732   47.0   19.1   35.4   84.0   17.4  
 5.   Other 4.24   11,217   359   573   64.3   6.6   54.7   87.9   21.1  
 
 6. Zero interval 4.35   10,095   269   664   63.9   8.6   66.4   91.4   15.0  
 7.   Mininal risk 2.51   317   1,093   421   45.7   36.1   10.6   99.7   3.6  
 8.   Low risk 3.40   876   1,074   668   39.6   2.0   27.1   97.7   15.7  
 9.   Moderate risk 4.19   3,032   309   631   58.0   2.7   74.1   95.0   14.8  
10.   Other 4.87   4,299   267   785   69.7   2.8   77.8   86.2   15.8  
 
11. Daily 2.92   10,292   475   449   37.1   34.0   32.4   85.2   30.6  
12.   Mininal risk 2.14   217   2,179   164   50.7   .0   51.3   51.7   6.0  
13.   Low risk 2.05   2,972   3,745   508   4.1   87.3   6.2   98.1   41.3  
14.   Moderate risk 3.06   3,995   619   518   46.7   20.2   31.3   79.1   16.8  
15.   Other 4.21   887   226   232   72.2   .4   37.9   59.4   18.7  
 
16. 2 to 30 days 3.09   8,801   601   666   48.0   24.7   25.1   88.4   14.1  
17.   Mininal risk 2.34   262   2,624   1,139   62.0   .0   2.7   69.0   1.5  
18.   Low risk 2.31   2,242   1,852   737   16.0   55.3   8.1   97.8   6.3  
19.   Moderate risk 3.06   3,147   1,261   686   48.1   26.2   17.8   84.5   16.2  
20.   Other 4.22   2,068   261   476   86.0   1.2   55.3   95.0   14.1  
 
21. 31 to 365 days 3.04   8,104   2,183   627   38.6   21.8   17.1   88.9   23.8  
22.   Mininal risk 2.96   307   4,831   921   46.2   9.7   42.9   100.0   9.9  
23.   Low risk 2.59   1,461   3,116   810   12.5   50.7   5.4   84.7   9.5  
24.   Moderate risk 3.00   2,664   2,402   836   45.7   14.3   16.6   85.7   25.6  
25.   Other 3.36   3,179