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

Release Date: December 17, 2008
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 3-7, 2008                        For immediate release
1. Commercial and industrial loans made by all commercial banks1                       December 17, 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 3.33   106,322   756   526   35.6   32.3   21.6   79.7   10.8  
 2.   Minimal risk 3.09   3,005   784   450   27.1   22.0   21.6   64.7   7.1  
 3.   Low risk 2.76   17,627   1,275   423   22.8   48.5   14.6   79.4   9.6  
 4.   Moderate risk 3.58   32,382   619   480   45.9   38.4   28.3   74.4   14.7  
 5.   Other 3.63   22,310   576   531   60.3   30.7   28.5   75.2   12.7  
 
 6. Zero interval 3.84   19,919   255   650   60.6   8.5   72.9   89.5   12.6  
 7.   Minimal risk 3.20   253   330   631   53.5   12.0   60.3   88.9   12.2  
 8.   Low risk 3.40   2,179   346   695   43.2   6.2   58.8   87.1   15.8  
 9.   Moderate risk 3.72   7,763   268   665   63.7   5.5   71.8   95.2   13.3  
10.   Other 4.10   5,664   251   583   66.5   4.5   77.9   86.1   11.6  
 
11. Daily 1.87   25,734   2,683   173   15.5   51.7   11.2   45.7   12.4  
12.   Minimal risk 2.38   741   3,089   75   7.0   38.5   31.4   19.8   9.4  
13.   Low risk 1.89   6,750   4,251   90   4.4   57.9   10.2   57.8   4.6  
14.   Moderate risk 1.79   7,779   1,767   121   35.0   75.9   18.1   31.1   26.6  
15.   Other 1.51   5,142   2,413   22   16.2   29.5   5.0   32.9   21.0  
 
16. 2 to 30 days 3.36   35,966   1,592   573   28.5   37.8   5.2   88.9   9.6  
17.   Minimal risk 3.21   1,256   1,756   510   19.4   23.2   5.7   74.5   3.6  
18.   Low risk 2.91   4,979   1,680   432   29.4   63.5   5.3   91.9   9.8  
19.   Moderate risk 3.81   10,155   1,446   433   32.5   46.3   8.0   83.0   14.0  
20.   Other 3.83   6,472   792   702   68.9   59.8   6.3   82.8   12.4  
 
21. 31 to 365 days 4.31   18,699   988   564   44.3   22.1   8.9   95.0   10.5  
22.   Minimal risk 3.88   490   313   581   37.5   11.2   16.9   92.4   8.8  
23.   Low risk 3.81   2,840   1,389   743   33.3   43.3   2.9   97.8   13.4  
24.   Moderate risk 5.23   5,205   713   565   61.7   24.0   12.0   90.2   13.0  
25.   Other 4.87   3,738   1,197   588   88.5   30.3   18.0   96.9   13.0  
  Months  
26. More than 365 days 4.63   5,721   539   43   54.1   27.9   34.0   89.7   9.8  
27.   Minimal risk 2.43   148   369   33   73.9   .1   13.5   45.6   14.4  
28.   Low risk 3.63   841   999   41   40.3   13.2   30.0   95.9   4.9  
29.   Moderate risk 4.94   1,449   336   48   46.2   10.1   49.6   77.4   10.0  
30.   Other 5.42   1,270   491   44   84.0   6.6   48.4   95.2   4.9  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 5.00   2,606   3.3   134   84.7   8.2   70.8   87.1   7.6  
32.   100 - 999 4.48   10,696   3.2   151   70.9   14.3   66.1   89.2   11.2  
33.   1,000 - 9,999 3.54   28,565   3.1   118   42.0   28.3   31.3   88.4   13.6  
34.   10,000+ 2.97   64,455   3.0   66   25.0   38.0   7.9   74.0   9.4  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.19   22,967   3.2   110   60.6   12.4   244   91.4   13.4  
36.   Other 3.09   83,355   3.0   85   28.7   37.8   1,793   76.5   10.0   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 3-7, 2008                        For immediate release
2. Commercial and industrial loans made by domestic banks1                             December 17, 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 4.13   50,031   374   606   53.4   13.9   41.5   89.0   13.2  
 2.   Minimal risk 3.41   1,553   436   358   44.4   5.0   20.7   58.2   10.8  
 3.   Low risk 3.45   7,507   597   599   37.9   6.6   26.5   79.0   11.7  
 4.   Moderate risk 4.26   21,152   418   574   48.0   11.7   40.3   92.0   14.7  
 5.   Other 4.60   10,632   287   606   81.1   7.5   55.8   95.6   12.2  
 
 6. Zero interval 3.90   18,409   238   664   63.2   8.4   74.2   91.5   12.6  
 7.   Minimal risk 3.21   251   333   635   53.6   11.5   60.5   88.7   12.2  
 8.   Low risk 3.36   1,903   315   695   47.5   3.4   55.6   85.2   15.4  
 9.   Moderate risk 3.70   7,418   260   658   65.4   5.4   71.3   95.0   13.2  
10.   Other 4.38   4,784   214   637   72.2   4.1   84.9   94.6   11.9  
 
11. Daily 3.08   5,281   641   298   20.2   14.6   34.2   66.8   20.9  
12.   Minimal risk 2.96   387   1,734   107   13.4   3.5   6.8   16.5   11.2  
13.   Low risk 2.99   1,954   1,537   199   8.0   10.9   17.1   51.8   7.3  
14.   Moderate risk 3.04   2,342   571   416   16.0   21.8   48.0   82.0   27.7  
15.   Other 3.65   435   248   245   88.6   3.0   52.7   94.9   25.4  
 
16. 2 to 30 days 4.11   11,565   596   491   42.6   18.1   14.7   92.1   13.7  
17.   Minimal risk 3.69   391   726   263   56.3   1.2   6.3   53.8   7.3  
18.   Low risk 3.54   1,790   715   748   47.4   5.9   14.6   85.5   11.9  
19.   Moderate risk 4.49   6,016   962   443   31.1   17.8   13.0   96.4   13.9  
20.   Other 4.32   1,747   233   458   86.4   16.4   20.8   94.8   12.5  
 
21. 31 to 365 days 4.96   9,016   513   395   66.2   11.8   17.7   92.5   12.7  
22.   Minimal risk 4.23   331   219   248   46.8   9.4   25.0   88.8   12.4  
23.   Low risk 4.16   1,076   583   533   59.9   8.6   7.6   94.5   14.5  
24.   Moderate risk 5.46   3,896   556   375   60.6   9.1   15.6   91.2   13.5  
25.   Other 4.98   2,380   849   313   91.7   9.1   27.7   98.5   13.7  
  Months  
26. More than 365 days 4.64   5,619   531   42   53.6   26.7   34.6   89.6   9.9  
27.   Minimal risk 2.43   148   369   33   73.9   .1   13.5   45.6   14.4  
28.   Low risk 3.58   747   894   33   34.3   2.2   33.8   95.4   5.5  
29.   Moderate risk 4.94   1,449   336   48   46.2   10.1   49.6   77.4   10.0  
30.   Other 5.42   1,263   493   44   84.3   6.5   48.5   95.2   4.8  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 5.01   2,582   3.3   135   84.9   8.0   71.0   87.0   7.6  
32.   100 - 999 4.57   9,832   3.2   161   73.9   11.3   69.5   89.0   10.6  
33.   1,000 - 9,999 3.88   17,471   3.1   180   52.8   17.5   45.9   92.8   15.0  
34.   10,000+ 4.03   20,145   2.9   164   39.7   12.9   20.2   85.9   13.6  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.20   20,747   3.3   121   64.0   10.8   223   91.5   12.6  
36.   Other 4.09   29,284   2.9   201   45.8   16.2   716   87.2   13.7   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 3-7, 2008                        For immediate release
3. Commercial and industrial loans made by large domestic banks1                       December 17, 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 3.99   44,353   575   583   49.3   14.9   39.3   90.0   14.1  
 2.   Minimal risk 3.14   1,377   1,407   327   37.7   5.7   19.0   58.0   11.7  
 3.   Low risk 3.31   6,794   933   593   34.7   7.0   23.8   78.7   12.4  
 4.   Moderate risk 4.15   18,543   725   542   43.2   12.6   37.9   93.3   15.9  
 5.   Other 4.48   9,098   411   559   78.8   8.1   53.2   97.2   12.9  
 
 6. Zero interval 3.80   15,946   311   687   59.8   9.4   73.9   91.9   13.3  
 7.   Minimal risk 3.12   238   488   650   53.1   12.1   58.8   88.2   12.7  
 8.   Low risk 3.13   1,616   415   734   44.6   3.9   53.1   84.5   17.0  
 9.   Moderate risk 3.59   6,176   368   690   61.3   6.3   70.4   95.1   14.7  
10.   Other 4.30   4,032   305   641   68.7   4.4   84.6   96.8   11.9  
 
11. Daily 2.89   4,745   1,291   270   12.4   15.7   28.4   65.6   23.2  
12.   Minimal risk 2.71   346   3,279   35   3.3   3.9   2.2   18.2   10.9  
13.   Low risk 2.96   1,886   3,097   185   6.7   11.3   16.0   50.1   7.5  
14.   Moderate risk 2.85   2,098   1,184   396   7.0   23.8   42.8   82.8   30.1  
15.   Other 2.72   259   516   125   83.1   .1   20.9   99.5   39.7  
 
16. 2 to 30 days 4.09   10,970   735   489   40.4   18.7   12.4   92.1   14.0  
17.   Minimal risk 3.61   373   3,684   263   54.3   1.2   4.7   51.6   7.6  
18.   Low risk 3.47   1,615   868   746   45.4   5.9   11.5   86.5   12.4  
19.   Moderate risk 4.50   5,782   1,260   440   28.9   18.0   10.5   96.2   14.1  
20.   Other 4.31   1,596   262   474   85.4   17.8   17.3   94.4   13.0  
 
21. 31 to 365 days 4.77   7,988   2,015   384   63.5   12.4   15.6   95.2   13.7  
22.   Minimal risk 3.76   272   1,442   248   35.5   11.4   29.7   90.3   14.6  
23.   Low risk 3.98   958   1,444   568   57.8   9.4   3.4   97.7   15.6  
24.   Moderate risk 5.30   3,501   2,548   389   58.9   9.8   14.8   93.8   14.3  
25.   Other 4.91   2,208   1,659   284   91.3   9.7   25.1   99.6   14.3  
  Months  
26. More than 365 days 4.22   4,588   1,486