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 18, 2008
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 4-8, 2008                          For immediate release
1. Commercial and industrial loans made by all commercial banks1                      September 18, 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 3.79   90,306   653   505   33.5   30.9   25.6   78.8   10.0  
 2.   Minimal risk 2.93   3,264   851   335   16.1   52.0   5.9   73.1   1.6  
 3.   Low risk 2.99   14,468   1,044   299   20.8   63.3   19.8   81.8   5.2  
 4.   Moderate risk 3.97   26,894   524   411   36.2   35.6   26.5   71.5   12.9  
 5.   Other 4.40   21,895   584   564   55.5   19.2   36.7   77.4   15.6  
 
 6. Zero interval 4.70   18,266   240   751   66.0   13.6   72.9   91.4   10.8  
 7.   Minimal risk 4.60   339   478   907   40.3   2.0   41.7   94.5   8.3  
 8.   Low risk 4.09   1,944   272   943   70.5   10.9   50.3   89.7   11.2  
 9.   Moderate risk 4.76   6,315   236   699   63.4   12.2   71.6   96.2   12.0  
10.   Other 5.21   4,657   211   701   80.1   14.9   81.6   94.2   11.1  
 
11. Daily 2.75   30,256   3,604   264   3.7   44.5   12.2   58.1   7.2  
12.   Minimal risk 2.30   1,642   7,294   7   2.4   55.6   .7   51.6   .1  
13.   Low risk 2.43   8,746   6,614   35   1.8   80.8   15.6   75.1   2.0  
14.   Moderate risk 2.92   7,819   1,936   109   6.2   47.1   17.3   44.3   21.2  
15.   Other 2.91   5,433   3,329   642   5.1   17.7   12.4   30.7   3.9  
 
16. 2 to 30 days 3.75   20,441   998   420   32.9   38.6   6.7   82.7   8.6  
17.   Minimal risk 2.88   871   1,004   430   18.2   83.5   1.9   95.9   .7  
18.   Low risk 3.31   2,213   902   379   36.1   60.3   7.9   92.1   6.6  
19.   Moderate risk 4.00   8,522   1,356   285   37.6   48.3   4.3   67.6   9.6  
20.   Other 4.16   3,364   439   233   53.9   32.0   14.3   88.2   16.6  
 
21. 31 to 365 days 4.16   15,790   786   486   43.8   20.1   12.6   97.0   12.7  
22.   Minimal risk 3.75   347   259   1,076   37.6   14.7   5.8   95.3   1.3  
23.   Low risk 3.67   1,116   728   688   31.0   46.6   8.5   96.2   12.9  
24.   Moderate risk 4.17   2,884   328   369   47.1   31.5   8.2   96.3   13.6  
25.   Other 4.84   5,872   1,765   254   79.7   19.1   24.6   97.8   19.5  
  Months  
26. More than 365 days 5.58   5,421   430   48   61.4   17.2   51.3   83.2   14.9  
27.   Minimal risk 6.31   52   87   39   95.6   .1   3.7   76.5   1.8  
28.   Low risk 6.03   407   306   55   76.4   3.2   60.6   91.5   4.9  
29.   Moderate risk 5.77   1,315   254   59   49.8   6.9   48.9   85.0   6.7  
30.   Other 5.38   2,542   1,023   43   63.8   13.3   63.7   85.1   22.0  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 5.61   2,652   3.2   159   84.8   7.8   68.7   88.2   7.8  
32.   100 - 999 5.02   10,320   3.2   196   75.4   12.7   63.9   89.7   10.7  
33.   1,000 - 9,999 4.16   21,651   3.3   141   47.3   24.4   35.2   89.1   12.8  
34.   10,000+ 3.34   55,683   3.1   65   17.9   38.0   12.8   72.3   8.7  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.94   23,148   3.4   160   62.1   15.9   256   93.6   13.3  
36.   Other 3.40   67,158   3.0   81   23.6   36.1   1,402   73.6   8.6   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 4-8, 2008                          For immediate release
2. Commercial and industrial loans made by domestic banks1                            September 18, 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 4.52   47,724   359   630   52.8   14.1   45.8   86.8   13.9  
 2.   Minimal risk 3.27   1,191   335   270   29.9   .9   14.7   32.4   7.6  
 3.   Low risk 3.84   5,372   412   698   49.4   16.4   43.1   84.9   9.8  
 4.   Moderate risk 4.44   18,313   367   506   36.9   13.3   38.1   87.2   13.4  
 5.   Other 5.06   14,687   405   752   75.6   9.1   53.1   96.5   17.6  
 
 6. Zero interval 4.68   17,024   227   696   65.9   13.4   75.0   90.7   10.8  
 7.   Minimal risk 4.31   171   275   377   69.9   1.7   72.6   89.2   14.4  
 8.   Low risk 4.11   1,765   254   981   73.3   6.3   51.2   88.6   11.1  
 9.   Moderate risk 4.75   6,105   231   695   63.1   12.5   72.6   96.1   11.7  
10.   Other 5.19   4,205   194   675   78.6   15.1   85.4   93.5   10.9  
 
11. Daily 3.26   7,739   1,063   676   8.9   20.2   38.9   56.0   18.9  
12.   Minimal risk 2.39   734   4,063   12   5.0   .9   1.6   1.8   7.5  
13.   Low risk 2.86   1,785   1,558   211   8.6   38.0   50.1   72.0   10.1  
14.   Moderate risk 3.30   3,832   1,015   214   5.0   16.4   35.0   57.4   28.6  
15.   Other 4.91   787   551   4,692   28.4   2.2   85.7   95.9   5.9  
 
16. 2 to 30 days 4.52   8,753   472   272   41.5   10.1   14.7   95.7   12.9  
17.   Minimal risk 4.00   84   110   930   83.0   .9   20.1   57.8   6.6  
18.   Low risk 4.09   813   381   562   68.4   4.2   21.5   95.8   8.9  
19.   Moderate risk 4.73   4,607   795   214   20.6   8.5   7.3   94.8   10.1  
20.   Other 4.50   2,372   324   192   64.3   6.2   19.3   99.0   19.6  
 
21. 31 to 365 days 4.66   8,942   471   335   69.6   15.1   21.9   96.9   17.7  
22.   Minimal risk 4.87   136   105   1,066   49.3   .0   14.7   87.9   2.1  
23.   Low risk 4.07   561   401   598   54.2   7.1   17.0   93.6   10.2  
24.   Moderate risk 4.18   2,435   287   362   44.6   24.3   9.5   97.3   13.2  
25.   Other 5.05   5,012   1,601   223   88.5   8.9   28.8   98.8   21.8  
  Months  
26. More than 365 days 5.64   5,144   410   48   64.2   12.8   54.1   87.6   14.9  
27.   Minimal risk 6.31   52   87   39   95.6   .1   3.7   76.5   1.8  
28.   Low risk 6.03   407   306   55   76.4   3.2   60.6   91.5   4.9  
29.   Moderate risk 5.80   1,295   251   60   50.5   5.6   49.6   86.2   6.7  
30.   Other 5.50   2,285   931   43   69.8   3.8   70.8   94.4   22.0  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 5.62   2,633   3.2   160   85.0   7.6   68.8   88.1   7.7  
32.   100 - 999 5.08   9,588   3.3   209   78.1   10.5   66.9   89.6   10.4  
33.   1,000 - 9,999 4.49   14,597   3.4   195   58.9   15.5   49.1   91.3   14.6  
34.   10,000+ 4.14   20,907   3.3   136   32.8   15.7   30.8   82.2   16.0  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.97   21,836   3.5   170   63.7   14.2   244   93.3   13.6  
36.   Other 4.14   25,888   3.2   170   43.6   14.1   594   81.3   14.3   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 4-8, 2008                          For immediate release
3. Commercial and industrial loans made by large domestic banks1                      September 18, 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 4.36   42,379   540   583   48.6   15.3   44.2   87.8   14.8  
 2.   Minimal risk 2.84   980   1,465   205   16.7   .3   15.9   27.2   9.8  
 3.   Low risk 3.50   4,656   613   633   43.6   18.6   39.4   84.0   10.9  
 4.   Moderate risk 4.24   16,020   619   435   29.9   14.4   35.2   87.3   14.6  
 5.   Other 5.00   13,157   593   720   75.0   9.5   51.7   97.9   18.3  
 
 6. Zero interval 4.57   15,027   279   718   63.6   14.7   72.7   91.3   11.0  
 7.   Minimal risk 4.26   160   381   376   69.4   1.8   72.9   90.1   14.8  
 8.   Low risk 3.91   1,537   322   1,074   72.1   7.0   45.5   87.7   12.1  
 9.   Moderate risk 4.63   5,297   294   721   59.9   13.7   69.4   96.9   12.5  
10.   Other 5.09   3,441   262   679   77.7   17.3   82.8   94.7   10.2  
 
11. Daily 3.17   7,347   1,981   692   5.4   20.9   36.2   55.8   19.4  
12.   Minimal risk 2.35   705   9,558   11   1.2   .0   1.4   1.6   8.2  
13.   Low risk 2.78   1,745   2,717   201   6.7   38.9   49.3   72.5   10.0  
14.   Moderate risk 3.25   3,637   1,911   212   2.3   17.2   31.6   56.9   29.4  
15.   Other 4.79   672   1,650   5,478   17.7   .0   84.0   100.0   6.3  
 
16. 2 to 30 days 4.44   8,004   610   244   37.4   10.5   11.4   95.8   13.6  
17.   Minimal risk 3.56   33   499   1,189   57.1   .0   32.3   98.3   8.2  
18.   Low risk 3.75   685   495   512   63.3   4.9   14.6   95.0   9.9  
19.   Moderate risk 4.68   4,311   1,191   205   15.8   8.1   2.7   94.5   10.4  
20.   Other 4.40   2,101   373   119   63.0   7.0   18.3   99.1   21.3  
 
21. 31 to 365 days 4.52   8,194   1,977   317   68.4   16.4   21.8   98.4   18.6  
22.   Minimal risk 3.96   74   873   1,567   26.1   .1   22.4   96.6   1.0  
23.   Low risk 3.87   516   968   606   51.2   7.5   14.6   95.1   10.5  
24.   Moderate risk 3.79   2,071   1,452   353   35.8   28.1   8.6   98.0   14.9  
25.   Other 5.06   4,848   2,851   201   89.7   9.2   29.2   99.6   22.0  
  Months  
26. More than 365 days 5.29   3,710   1,132