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

Release Date: October 1, 2003
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 4-8, 2003                          For immediate release
1. Commercial and industrial loans made by all commercial banks1                         October 1, 2003
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 3.15   58,650   422   567   37.5   22.4   34.8   78.1   12.8  
 2.   Mininal risk 2.22   1,456   369   428   26.9   20.5   16.4   84.1   12.2  
 3.   Low risk 2.63   12,925   1,222   582   14.1   23.3   21.4   81.1   4.7  
 4.   Moderate risk 3.22   20,322   508   747   40.3   21.5   35.3   86.0   10.5  
 5.   Other 3.60   14,729   315   399   51.4   23.5   38.1   76.0   17.3  
 
 6. Zero interval 4.40   15,484   253   841   41.1   11.5   66.9   86.1   12.2  
 7.   Mininal risk 3.39   223   153   563   58.9   3.3   50.7   96.2   4.5  
 8.   Low risk 4.39   3,894   1,096   1,153   5.7   1.8   53.3   59.3   2.8  
 9.   Moderate risk 4.27   6,199   282   936   40.5   13.1   71.3   96.0   11.0  
10.   Other 4.59   4,634   184   480   65.6   19.0   74.1   94.3   19.8  
 
11. Daily 2.29   20,863   646   231   28.0   26.4   26.9   72.6   12.9  
12.   Mininal risk 1.43   537   2,178   51   3.6   33.9   14.9   94.4   2.6  
13.   Low risk 1.30   5,218   4,423   167   5.5   35.5   3.4   88.8   2.8  
14.   Moderate risk 2.26   4,963   1,051   390   27.9   22.2   18.6   83.5   6.3  
15.   Other 2.76   4,794   468   128   42.9   21.6   26.4   51.5   19.4  
 
16. 2 to 30 days 2.64   9,139   644   416   34.3   29.0   18.3   75.9   15.8  
17.   Mininal risk 1.58   331   2,105   158   14.7   17.1   3.6   82.9   41.0  
18.   Low risk 2.11   1,529   852   380   20.3   36.2   12.6   95.3   7.3  
19.   Moderate risk 2.73   3,396   1,103   559   37.3   28.2   18.3   83.3   15.2  
20.   Other 3.04   2,285   376   211   39.0   36.0   10.7   73.1   15.8  
 
21. 31 to 365 days 3.01   10,077   627   608   45.2   27.6   14.9   84.0   10.5  
22.   Mininal risk 2.33   229   186   663   60.7   8.8   7.4   70.9   6.3  
23.   Low risk 2.61   1,900   941   524   36.8   25.3   9.6   93.8   10.5  
24.   Moderate risk 2.84   4,392   801   695   51.3   29.6   16.6   82.8   8.1  
25.   Other 3.67   2,500   1,047   622   49.6   25.9   17.7   93.2   12.3  
  Months  
26. More than 365 days 4.84   2,889   210   60   66.9   15.7   38.6   59.2   13.4  
27.   Mininal risk 4.85   134   160   61   38.9   24.2   10.8   48.5   4.4  
28.   Low risk 5.04   384   189   49   78.1   14.2   36.3   77.6   2.9  
29.   Moderate risk 4.49   1,275   298   61   58.3   14.9   34.0   64.2   19.6  
30.   Other 4.84   452   215   67   66.3   17.4   39.7   66.2   11.0  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.03   2,501   3.4   184   82.4   4.1   75.1   86.2   16.5  
32.   100 - 999 4.28   8,379   3.4   159   71.6   8.1   71.6   87.3   19.0  
33.   1,000 - 9,999 3.15   18,315   3.2   126   36.9   30.5   30.2   79.0   14.7  
34.   10,000+ 2.67   29,455   2.9   59   24.2   23.1   23.7   74.1   9.1  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.59   20,385   3.2   92   56.6   4.0   206   89.9   14.2  
36.   Other 2.39   38,265   3.0   104   27.3   32.3   958   71.8   11.9   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 4-8, 2003                          For immediate release
2. Commercial and industrial loans made by domestic banks1                               October 1, 2003
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   44,558   330   692   42.7   12.3   43.6   81.6   12.9  
 2.   Mininal risk 2.47   896   236   484   30.6   25.0   26.2   89.7   17.6  
 3.   Low risk 2.70   11,305   1,118   596   13.9   19.9   23.8   79.4   4.3  
 4.   Moderate risk 3.54   15,926   409   906   45.9   13.1   43.3   84.5   10.3  
 5.   Other 4.19   9,023   201   590   67.0   4.8   58.1   88.6   17.1  
 
 6. Zero interval 4.57   13,608   226   936   46.0   2.0   73.3   84.2   9.0  
 7.   Mininal risk 3.38   219   151   563   59.8   3.3   49.9   96.1   4.3  
 8.   Low risk 4.39   3,836   1,103   1,158   5.7   1.4   53.0   58.6   2.6  
 9.   Moderate risk 4.56   5,419   249   1,059   45.7   2.7   79.4   95.4   7.8  
10.   Other 4.82   3,605   146   576   82.3   1.8   89.3   92.7   15.7  
 
11. Daily 2.41   14,375   462   328   30.8   20.9   37.8   80.5   15.7  
12.   Mininal risk 1.29   310   1,806   95   6.3   58.8   25.9   90.2   4.8  
13.   Low risk 1.27   4,669   4,371   166   2.2   31.9   3.9   87.5   3.2  
14.   Moderate risk 2.66   3,155   702   599   39.2   31.5   28.1   74.3   10.2  
15.   Other 3.46   1,950   200   334   51.0   2.8   60.9   77.6   23.9  
 
16. 2 to 30 days 2.78   6,401   487   535   40.0   11.8   22.7   79.9   17.6  
17.   Mininal risk 1.51   205   1,587   226   20.9   .1   5.9   100.0   54.4  
18.   Low risk 2.20   1,119   682   384   25.1   25.2   17.2   97.7   7.8  
19.   Moderate risk 2.83   2,650   959   670   38.4   13.2   20.7   83.7   14.6  
20.   Other 3.79   1,164   206   399   61.4   4.3   16.5   90.5   20.2  
 
21. 31 to 365 days 3.14   7,179   477   624   51.8   14.6   18.8   88.1   10.3  
22.   Mininal risk 3.57   68   57   205   39.1   3.0   25.1   62.6   10.6  
23.   Low risk 2.57   1,298   688   387   51.5   28.6   10.9   96.2   8.7  
24.   Moderate risk 2.93   3,371   649   763   53.5   13.5   20.5   83.4   7.6  
25.   Other 3.85   1,792   907   598   56.7   10.1   23.2   96.8   12.6  
  Months  
26. More than 365 days 4.89   2,800   203   61   68.8   14.5   39.8   60.8   13.4  
27.   Mininal risk 5.54   93   111   69   56.2   34.9   15.6   70.0   4.4  
28.   Low risk 5.04   384   189   49   78.1   14.2   36.3   77.6   2.9  
29.   Moderate risk 4.52   1,234   289   62   60.3   12.0   35.2   66.4   19.6  
30.   Other 4.84   452   215   67   66.3   17.4   39.7   66.2   11.0  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.04   2,476   3.4   185   82.8   3.9   75.2   86.1   16.5  
32.   100 - 999 4.33   7,830   3.4   169   75.0   5.5   74.0   87.2   19.1  
33.   1,000 - 9,999 3.52   11,733   3.2   175   49.9   13.2   42.0   85.7   16.5  
34.   10,000+ 2.83   22,519   2.6   72   23.3   15.1   30.5   77.0   8.0  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.57   19,445   3.2   95   57.5   3.1   198   89.6   14.2  
36.   Other 2.48   25,113   2.8   143   31.2   19.4   681   75.4   11.7   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 4-8, 2003                          For immediate release
3. Commercial and industrial loans made by large domestic banks1                         October 1, 2003
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 3.12   38,506   549   632   36.0   13.2   39.8   82.5   14.2  
 2.   Mininal risk 1.75   656   1,035   308   26.1   29.1   22.4   94.2   22.4  
 3.   Low risk 2.51   10,464   3,818   563   9.9   21.1   21.6   79.4   4.5  
 4.   Moderate risk 3.28   13,762   806   811   39.4   13.6   38.9   87.7   10.8  
 5.   Other 4.06   7,655   267   528   63.0   4.7   56.4   89.0   19.0  
 
 6. Zero interval 4.52   10,982   403   1,015   37.0   1.9   70.0   82.3   9.7  
 7.   Mininal risk 2.87   118   302   696   80.0   5.5   58.6   93.5   7.3  
 8.   Low risk 4.31   3,559   5,703   1,147   2.3   .5   50.3   56.8   2.5  
 9.   Moderate risk 4.56   4,407   417   1,166   37.0   2.8   76.8   96.6   8.0  
10.   Other 4.82   2,741   208   603   78.5   1.9   87.3   92.3   18.3  
 
11. Daily 2.24   13,549   480   326   27.1   22.0   34.1   79.9   16.7  
12.   Mininal risk 1.21   303   3,381   70   6.4   60.0   24.4   90.0   4.9  
13.   Low risk 1.25   4,652   6,103   164   1.9   32.0   3.5   87.6   3.2  
14.   Moderate risk 2.57   3,025   910   568   38.2   32.9   25.0   74.1   10.6  
15.   Other 3.43   1,918   204   317   50.5   2.8   60.3   78.3   24.1  
 
16. 2 to 30 days 2.58   5,616   660   506   35.6   13.3   20.2   81.1   19.6  
17.   Mininal risk 1.35   190   2,786   225   16.4   .1   .2   100.0   58.1  
18.   Low risk 2.20   938   1,041   422   25.2   30.0   17.1   97.5   9.3  
19.   Moderate risk 2.54   2,379   1,653   563   31.6   14.6   13.1   91.1   14.8  
20.   Other 3.56   886   248   432   58.2   5.6   19.4   87.7   27.2  
 
21. 31 to 365 days 2.90   6,590   2,315   577   49.4   14.5   16.0   89.7   10.9  
22.   Mininal risk 2.96   28   392   136   33.2   7.3   5.8   100.0   14.2  
23.   Low risk 2.20   1,179   3,300   392   48.9   31.4   8.5   98.7   9.2  
24.   Moderate risk 2.72   3,126   4,016   657   50.8   11.6   17.0   83.7   8.1  
25.   Other 3.80   1,743