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 16, 2003
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 3-7, 2003                        For immediate release
1. Commercial and industrial loans made by all commercial banks1                       December 16, 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 2.96   65,832   449   450   41.0   35.3   31.0   73.4   18.8  
 2.   Mininal risk 1.62   2,437   754   256   45.5   29.0   10.3   50.2   9.0  
 3.   Low risk 2.05   16,118   1,267   444   15.9   54.9   10.7   71.4   28.3  
 4.   Moderate risk 3.01   20,948   483   561   44.4   30.5   33.6   79.1   15.1  
 5.   Other 3.73   18,641   361   376   57.4   28.5   44.4   76.1   13.7  
 
 6. Zero interval 3.68   14,379   242   478   51.9   20.2   60.0   79.9   14.8  
 7.   Mininal risk 1.23   693   591   241   79.4   61.3   10.7   51.4   9.6  
 8.   Low risk 2.14   2,890   725   212   15.7   12.4   23.8   37.9   14.1  
 9.   Moderate risk 3.97   5,675   286   634   49.9   19.6   71.0   92.7   14.8  
10.   Other 4.49   4,551   181   505   68.8   22.1   75.8   94.6   16.4  
 
11. Daily 2.56   19,539   564   243   35.3   36.1   29.6   60.3   19.1  
12.   Mininal risk 1.35   529   1,955   175   1.7   1.8   10.1   37.5   2.1  
13.   Low risk 1.74   3,846   2,691   183   5.4   70.0   8.8   70.9   16.6  
14.   Moderate risk 2.36   6,636   795   266   43.9   32.5   27.1   58.2   13.7  
15.   Other 3.24   4,428   444   200   46.7   18.1   32.0   57.5   17.6  
 
16. 2 to 30 days 2.57   19,694   902   460   29.0   55.3   14.4   78.8   26.3  
17.   Mininal risk 1.47   804   2,851   201   27.7   28.0   .3   34.5   10.1  
18.   Low risk 2.08   7,230   3,473   624   6.4   74.5   5.5   91.2   37.3  
19.   Moderate risk 2.59   4,840   922   465   37.4   45.3   15.4   86.3   16.9  
20.   Other 3.40   5,294   532   277   50.9   53.8   26.1   63.5   16.5  
 
21. 31 to 365 days 3.01   7,701   504   437   50.5   21.3   19.2   82.4   11.9  
22.   Mininal risk 2.68   343   314   382   80.7   4.7   25.5   99.0   7.4  
23.   Low risk 2.49   1,076   307   507   44.5   30.8   20.3   79.7   19.4  
24.   Moderate risk 2.72   2,560   524   619   42.6   21.5   5.0   89.2   15.5  
25.   Other 3.56   2,916   1,099   330   61.0   15.3   32.8   91.7   5.9  
  Months  
26. More than 365 days 4.52   3,526   277   45   59.2   22.0   43.6   83.3   9.0  
27.   Mininal risk 4.17   69   170   32   73.7   46.9   48.0   74.5   35.7  
28.   Low risk 4.53   322   192   48   65.9   24.4   24.7   74.3   10.1  
29.   Moderate risk 4.51   1,130   249   67   51.7   33.6   24.5   78.5   12.8  
30.   Other 4.46   1,327   715   33   69.4   15.4   73.6   89.6   5.9  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.00   2,711   3.4   175   84.0   7.2   76.0   83.6   14.2  
32.   100 - 999 4.24   9,122   3.4   116   73.0   13.9   71.2   89.2   16.4  
33.   1,000 - 9,999 3.17   21,383   3.3   117   41.6   32.7   32.9   82.7   16.1  
34.   10,000+ 2.28   32,616   2.8   51   28.0   45.4   14.9   61.9   22.8  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.36   20,421   3.5   86   69.1   10.6   191   90.4   13.6  
36.   Other 2.32   45,411   2.9   87   28.3   46.5   1,140   65.7   22.1   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 3-7, 2003                        For immediate release
2. Commercial and industrial loans made by domestic banks1                             December 16, 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 3.18   48,467   340   585   46.6   23.9   40.9   81.3   20.0  
 2.   Mininal risk 1.59   1,824   605   289   43.7   25.8   13.1   44.1   11.1  
 3.   Low risk 2.12   12,824   1,052   530   17.6   48.2   12.7   75.3   32.5  
 4.   Moderate risk 3.34   15,926   377   720   45.7   17.2   43.3   83.8   14.5  
 5.   Other 4.15   12,400   250   532   74.0   12.9   64.0   91.4   13.0  
 
 6. Zero interval 3.84   12,156   208   540   60.2   9.0   68.2   76.7   11.5  
 7.   Mininal risk 1.20   687   589   242   79.2   61.8   10.0   51.0   8.8  
 8.   Low risk 2.14   2,515   652   221   17.8   2.5   25.0   28.6   7.2  
 9.   Moderate risk 4.32   4,649   239   746   60.2   5.2   84.4   92.3   12.0  
10.   Other 4.70   3,735   152   590   81.2   9.6   87.7   93.5   13.0  
 
11. Daily 2.96   11,520   344   425   39.8   18.7   49.3   76.0   24.0  
12.   Mininal risk 1.21   383   1,683   249   2.4   .9   12.3   13.7   7.2  
13.   Low risk 1.88   1,915   1,515   370   9.3   51.4   16.0   97.7   24.1  
14.   Moderate risk 2.76   4,345   533   406   34.9   17.3   40.8   67.0   17.0  
15.   Other 4.26   1,828   194   550   70.8   .3   74.1   85.2   21.7  
 
16. 2 to 30 days 2.62   14,585   708   582   30.5   47.4   18.8   90.0   28.9  
17.   Mininal risk 1.37   485   2,901   295   4.3   .7   .5   31.8   16.1  
18.   Low risk 2.11   6,375   3,346   668   4.3   75.5   6.2   95.1   40.3  
19.   Moderate risk 2.74   3,652   747   587   40.3   33.2   19.9   91.4   15.8  
20.   Other 3.76   2,877   303   424   75.6   28.6   45.5   91.2   17.8  
 
21. 31 to 365 days 3.16   5,953   409   479   54.2   11.1   24.1   89.2   11.6  
22.   Mininal risk 3.23   200   192   248   86.1   3.4   43.8   98.3   6.0  
23.   Low risk 2.50   949   275   436   41.3   25.8   23.0   80.1   21.1  
24.   Moderate risk 2.82   2,049   441   732   41.6   8.1   6.1   88.7   14.5  
25.   Other 3.56   2,515   1,074   315   65.6   8.4   36.9   94.2   5.4  
  Months  
26. More than 365 days 4.51   3,261   258   47   63.7   23.5   46.9   82.1   9.6  
27.   Mininal risk 4.17   69   170   32   73.7   46.9   48.0   74.5   35.7  
28.   Low risk 4.54   317   190   48   66.8   24.8   25.1   75.4   10.1  
29.   Moderate risk 4.52   1,125   248   67   51.4   33.3   24.6   78.4   12.7  
30.   Other 4.46   1,321   715   33   69.2   15.0   74.0   89.5   5.9  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.00   2,693   3.4   176   84.3   7.1   76.0   83.5   14.2  
32.   100 - 999 4.29   8,518   3.4   120   76.3   11.1   74.1   89.7   16.5  
33.   1,000 - 9,999 3.45   14,959   3.3   157   54.2   18.1   44.3   90.1   16.7  
34.   10,000+ 2.36   22,297   2.6   65   25.5   34.7   21.7   72.0   25.3  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.34   19,826   3.5   88   70.1   10.3   187   90.3   13.4  
36.   Other 2.38   28,640   2.7   125   30.3   33.3   783   75.1   25.5   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 3-7, 2003                        For immediate release
3. Commercial and industrial loans made by large domestic banks1                       December 16, 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 2.91   41,310   549   545   39.8   26.8   35.3   81.5   22.8  
 2.   Mininal risk 1.35   1,635   2,313   273   37.3   25.2   12.5   39.4   12.4  
 3.   Low risk 1.95   11,791   4,009   513   13.6   51.9   9.0   74.6   35.5  
 4.   Moderate risk 3.09   13,923   671   624   40.0   17.8   39.9   85.6   15.6  
 5.   Other 3.96   9,485   311   526   68.2   15.9   56.0   91.8   16.2  
 
 6. Zero interval 3.63   9,569   378   523   53.3   10.3   62.9   74.6   13.3  
 7.   Mininal risk 1.03   603   1,798   244   76.6   61.9   7.9   45.4   10.5  
 8.   Low risk 1.68   2,120   4,637   109   5.5   2.3   11.7   17.8   10.9  
 9.   Moderate risk 4.26   3,608   369   753   53.6   5.9   83.0   96.0   13.1  
10.   Other 4.69   3,139   246   611   79.8   11.1   86.4   93.5   14.2  
 
11. Daily 2.80   10,658   372   425   36.7   20.0   46.6   75.0   25.9  
12.   Mininal risk 1.14   376   3,009   247   .6   .9   10.7   12.1   8.1  
13.   Low risk 1.89   1,760   2,042   402   9.0   55.9   16.3   97.6   26.2  
14.   Moderate risk 2.63   4,133   653   411   32.4   18.2   37.9   66.7   17.8  
15.   Other 3.83   1,428   190   509   63.8   .3   68.0   83.3   27.1  
 
16. 2 to 30 days 2.56   13,828   960   594   28.4   49.8   16.8   90.4   30.3  
17.   Mininal risk 1.37   484   3,530   296   4.0   .7   .5   31.6   16.2  
18.   Low risk 2.11   6,190   5,336   685   3.9   77.7   5.9   95.3   41.5  
19.   Moderate risk 2.69   3,549   1,274   575   39.1   33.9   18.6   91.9   16.1  
20.   Other 3.64   2,521   371   429   72.7   32.5   39.3   90.4   20.4  
 
21. 31 to 365 days 2.64   4,719   2,040   510   44.5   13.2   12.3   91.7   13.6  
22.   Mininal risk 2.69   122   1,362   224   77.2   .0   67.3   99.9   3.4  
23.   Low risk 2.05   839   2,454   451   34.4   27.2   17.1   80.5   23.6  
24.   Moderate risk 2.50   1,877   2,599   734   37.6   8.2   3.6   91.5   15.2  
25.   Other 3.04   1,743