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

Release Date: March 14, 2008
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 4-8, 2008                        For immediate release
1. Commercial and industrial loans made by all commercial banks1                          March 14, 2008
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 4.64   84,378   556   485   37.3   31.2   24.0   77.8   10.3  
 2.   Minimal risk 3.61   5,835   1,583   178   10.5   35.2   5.7   58.4   1.9  
 3.   Low risk 3.97   11,280   748   336   21.0   52.8   20.5   76.3   9.0  
 4.   Moderate risk 4.86   29,977   540   449   46.6   39.0   27.0   73.3   14.1  
 5.   Other 5.36   15,526   359   471   62.4   27.3   36.2   80.2   15.9  
 
 6. Zero interval 5.68   18,258   202   683   64.8   11.0   69.7   87.0   10.7  
 7.   Minimal risk 5.02   358   319   913   49.2   2.5   48.3   89.3   9.8  
 8.   Low risk 5.15   1,934   237   687   51.6   4.6   62.3   71.4   13.1  
 9.   Moderate risk 6.02   7,288   221   653   66.6   9.9   75.0   93.5   12.1  
10.   Other 6.11   3,916   144   632   78.2   8.7   74.0   94.8   10.5  
 
11. Daily 3.70   23,678   2,517   124   12.9   51.3   10.2   51.6   7.5  
12.   Minimal risk 3.30   3,955   15,779   9   1.2   44.1   .4   43.8   .0  
13.   Low risk 3.48   5,054   2,595   120   5.5   61.2   15.0   69.4   6.9  
14.   Moderate risk 3.90   8,151   1,986   119   28.3   65.8   15.5   38.2   17.7  
15.   Other 3.90   3,061   1,702   31   10.9   53.8   6.5   30.7   4.7  
 
16. 2 to 30 days 4.38   26,715   1,203   523   29.6   32.2   5.3   86.6   8.5  
17.   Minimal risk 4.05   827   1,033   517   33.7   30.9   11.9   83.7   3.0  
18.   Low risk 3.84   3,382   1,407   367   18.4   69.8   7.0   88.5   10.0  
19.   Moderate risk 4.69   9,859   1,460   462   47.0   39.9   6.7   78.6   12.9  
20.   Other 4.79   2,680   352   550   62.3   58.8   8.3   79.9   11.8  
 
21. 31 to 365 days 5.05   10,447   704   456   52.8   20.7   14.2   94.4   15.8  
22.   Minimal risk 3.99   625   912   453   14.1   7.3   1.5   98.3   1.6  
23.   Low risk 4.71   606   355   433   42.8   43.0   8.9   95.5   7.1  
24.   Moderate risk 4.86   3,077   495   366   52.3   40.1   5.7   92.8   17.4  
25.   Other 5.69   3,920   1,174   226   81.7   12.8   28.5   97.3   25.2  
  Months  
26. More than 365 days 5.91   4,934   356   48   61.8   25.0   43.7   86.8   14.4  
27.   Minimal risk 4.69   58   128   54   16.9   .7   40.6   71.9   6.3  
28.   Low risk 4.86   249   310   69   82.7   47.0   23.3   53.8   7.8  
29.   Moderate risk 5.70   1,476   288   49   38.7   22.5   36.2   89.0   14.0  
30.   Other 6.24   1,934   645   41   73.0   8.6   60.8   95.2   17.8  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 6.48   2,990   3.2   170   85.9   7.2   67.6   86.0   8.2  
32.   100 - 999 5.87   10,539   3.2   147   74.1   12.7   61.6   90.8   11.1  
33.   1,000 - 9,999 4.86   22,454   3.2   157   44.5   26.9   28.2   88.4   12.3  
34.   10,000+ 4.16   48,395   2.8   61   22.9   38.7   11.1   69.6   9.1  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 5.90   20,224   3.3   139   62.3   14.5   203   89.7   16.1  
36.   Other 4.24   64,154   2.9   89   29.4   36.4   1,232   74.1   8.2   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 4-8, 2008                        For immediate release
2. Commercial and industrial loans made by domestic banks1                                March 14, 2008
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 5.22   44,796   305   630   53.3   17.5   42.1   85.0   14.6  
 2.   Minimal risk 4.20   1,524   449   309   34.0   3.2   20.8   49.8   6.5  
 3.   Low risk 4.60   4,779   333   661   43.3   21.5   46.8   72.0   18.9  
 4.   Moderate risk 5.08   19,661   364   602   40.7   18.7   35.8   88.4   14.5  
 5.   Other 5.89   10,775   256   543   79.8   11.1   51.0   96.0   17.7  
 
 6. Zero interval 5.47   16,588   186   667   63.5   11.5   69.3   85.9   10.8  
 7.   Minimal risk 4.62   263   248   689   60.1   3.4   61.2   85.4   10.8  
 8.   Low risk 5.12   1,810   227   643   53.1   3.0   62.5   69.4   13.4  
 9.   Moderate risk 5.54   6,186   189   657   63.7   11.0   71.5   92.9   12.6  
10.   Other 6.06   3,608   135   584   76.7   8.6   77.2   94.3   10.3  
 
11. Daily 4.22   6,068   720   285   14.3   25.5   37.9   53.7   25.8  
12.   Minimal risk 3.57   603   3,078   8   7.1   .3   2.7   2.5   2.7  
13.   Low risk 3.84   1,134   638   513   23.8   50.9   66.8   51.4   41.0  
14.   Moderate risk 4.27   3,666   954   268   7.4   25.7   33.8   62.0   23.6  
15.   Other 6.19   306   189   348   68.0   4.7   63.3   85.0   16.4  
 
16. 2 to 30 days 4.96   10,407   524   566   46.5   20.4   13.4   94.8   11.9  
17.   Minimal risk 4.99   256   387   551   81.3   13.9   38.4   56.7   7.9  
18.   Low risk 4.22   1,216   575   562   34.0   18.2   19.4   95.3   17.5  
19.   Moderate risk 5.06   6,417   1,053   553   38.1   18.7   10.1   97.6   11.3  
20.   Other 5.16   1,291   179   409   86.4   28.9   17.0   96.0   13.4  
 
21. 31 to 365 days 5.43   6,609   467   329   68.6   13.2   22.5   95.1   21.6  
22.   Minimal risk 4.25   332   512   230   26.6   .4   2.8   96.9   3.1  
23.   Low risk 5.65   318   194   376   67.8   7.2   17.0   93.4   9.8  
24.   Moderate risk 4.84   1,830   306   525   43.3   23.0   9.6   92.9   19.9  
25.   Other 5.77   3,624   1,130   181   85.1   9.1   30.8   99.1   26.3  
  Months  
26. More than 365 days 5.91   4,854   352   48   62.2   25.4   44.4   86.6   14.4  
27.   Minimal risk 4.69   58   128   54   16.9   .7   40.6   71.9   6.3  
28.   Low risk 4.88   247   309   69   83.5   46.5   23.5   53.4   7.9  
29.   Moderate risk 5.72   1,436   281   50   38.0   23.1   37.2   88.7   14.4  
30.   Other 6.24   1,931   646   41   73.1   8.6   60.9   95.2   17.8  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 6.48   2,966   3.2   171   86.2   7.0   67.7   86.0   8.2  
32.   100 - 999 5.92   9,824   3.2   155   76.5   10.8   64.2   90.6   10.8  
33.   1,000 - 9,999 5.15   15,263   3.2   216   55.3   18.5   39.9   91.9   14.0  
34.   10,000+ 4.64   16,743   3.2   154   32.1   22.3   26.6   75.3   19.2  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 5.73   18,849   3.3   149   61.3   15.2   191   89.0   16.5  
36.   Other 4.84   25,947   3.1   197   47.5   19.1   541   82.1   13.0   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 4-8, 2008                        For immediate release
3. Commercial and industrial loans made by large domestic banks1                          March 14, 2008
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 5.04   39,519   449   596   49.7   19.1   39.4   85.9   15.7  
 2.   Minimal risk 3.79   1,206   1,124   274   18.7   3.6   13.8   49.9   8.0  
 3.   Low risk 4.41   4,082   479   716   40.8   24.6   43.7   73.4   20.6  
 4.   Moderate risk 4.91   17,556   633   556   35.8   20.3   33.0   88.4   15.5  
 5.   Other 5.75   9,371   348   482   78.6   11.7   48.1   97.9   19.2  
 
 6. Zero interval 5.32   13,957   228   701   62.2   13.0   66.7   86.2   11.4  
 7.   Minimal risk 4.44   236   450   598   57.9   1.8   57.2   88.5   11.4  
 8.   Low risk 5.07   1,373   242   774   56.7   3.5   55.2   75.1   14.0  
 9.   Moderate risk 5.39   5,116   262   678   61.0   12.4   69.9   93.2   13.5  
10.   Other 5.87   2,833   160   588   74.1   10.2   73.6   95.9   10.7  
 
11. Daily 4.10   5,760   1,553   265   10.3   26.7   35.4   52.5   27.5  
12.   Minimal risk 3.47   564   8,015   5   1.8   .3   1.7   1.5   4.3  
13.   Low risk 3.73   1,093   1,922   513   21.0   52.5   65.6   50.4   43.0  
14.   Moderate risk 4.21   3,554   1,905   255   4.7   26.4   31.9   61.0   24.6  
15.   Other 5.93   199   579   135   55.8   2.8   50.6   89.6   21.8  
 
16. 2 to 30 days 4.87   9,751   648   509   43.6   21.5   10.5   95.8   12.3  
17.   Minimal risk 4.39   95   369   725   50.0   37.3   .0   82.7   14.3  
18.   Low risk 4.17   1,179   711   572   33.0   18.6   19.0   95.4   17.7  
19.   Moderate risk 4.97   6,091   1,614   475   35.7   19.4   8.1   97.5   11.6  
20.   Other 5.03   1,174   199   303   85.2   31.5   11.5   97.8   14.3  
 
21. 31 to 365 days 5.26   5,926   1,481   341   65.9   14.6   21.2   97.3   23.2  
22.   Minimal risk 3.70   267   1,512   252   9.7   .5   .6   100.0   3.7  
23.   Low risk 5.00   162   541   485   51.1   11.5   20.8   96.3   17.4  
24.   Moderate risk 4.54   1,599   1,171   571   36.5   26.3   6.6   95.5   21.9  
25.   Other 5.73   3,513   1,990   179   84.7   9.4   30.1   99.8   26.8  
  Months  
26. More than 365 days 5.61   3,878   1,096