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 18, 2004
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 2-6, 2004                        For immediate release
1. Commercial and industrial loans made by all commercial banks1                          March 18, 2004
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 2.99   63,599   411   401   47.6   30.3   31.2   76.4   18.2  
 2.   Mininal risk 2.03   1,877   539   286   63.3   36.2   15.7   90.5   15.7  
 3.   Low risk 1.99   13,808   1,054   252   41.7   44.7   10.2   66.9   20.2  
 4.   Moderate risk 3.06   19,862   420   555   52.4   33.5   34.7   82.6   15.9  
 5.   Other 3.72   19,941   393   369   49.6   13.6   42.6   84.3   17.8  
 
 6. Zero interval 3.79   14,534   206   533   64.4   8.1   57.4   76.9   14.7  
 7.   Mininal risk 1.78   435   431   238   89.9   53.0   34.8   95.8   12.8  
 8.   Low risk 2.09   3,937   778   158   43.5   1.0   17.9   34.9   15.0  
 9.   Moderate risk 4.10   3,928   173   743   65.0   6.6   74.2   92.8   13.8  
10.   Other 4.86   5,293   187   648   73.3   1.9   73.5   92.5   16.7  
 
11. Daily 2.29   21,400   756   202   32.5   39.6   18.8   66.4   20.8  
12.   Mininal risk 1.66   411   1,491   79   25.7   .2   24.4   96.8   .2  
13.   Low risk 1.56   6,341   3,202   190   38.7   71.6   3.9   75.2   23.6  
14.   Moderate risk 2.51   5,409   720   366   46.6   30.4   25.7   71.7   13.9  
15.   Other 2.66   5,415   918   39   13.4   16.4   11.9   62.4   19.5  
 
16. 2 to 30 days 2.72   14,659   702   348   47.9   43.6   22.8   79.9   17.9  
17.   Mininal risk 1.59   658   2,133   302   62.1   58.7   1.4   90.9   29.8  
18.   Low risk 2.38   2,258   1,290   438   34.0   51.1   8.8   85.5   16.8  
19.   Moderate risk 2.54   5,744   1,155   369   54.6   51.4   20.5   79.4   16.4  
20.   Other 3.62   4,118   400   319   53.8   30.1   40.0   90.1   14.5  
 
21. 31 to 365 days 3.35   7,968   440   333   56.1   27.1   31.8   88.1   22.8  
22.   Mininal risk 1.81   199   182   172   58.4   30.9   10.6   68.6   24.4  
23.   Low risk 2.69   958   410   285   64.6   42.7   12.5   93.5   18.2  
24.   Moderate risk 3.34   2,894   420   320   51.2   30.1   35.2   89.9   24.2  
25.   Other 3.88   2,912   945   355   70.3   15.8   45.2   95.8   25.2  
  Months  
26. More than 365 days 3.88   4,840   318   39   47.3   23.0   31.0   88.2   12.4  
27.   Mininal risk 5.50   171   223   29   95.2   .3   7.0   85.4   .6  
28.   Low risk 4.54   308   158   31   65.2   7.2   45.4   84.4   17.0  
29.   Moderate risk 3.61   1,819   391   55   36.0   51.1   19.0   91.0   10.6  
30.   Other 3.61   2,095   916   23   45.5   1.2   44.3   92.5   13.9  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.08   2,802   3.4   184   85.5   6.7   74.0   83.9   12.9  
32.   100 - 999 4.20   9,321   3.4   106   70.5   9.9   69.7   90.4   15.3  
33.   1,000 - 9,999 3.23   20,077   3.3   87   48.0   26.5   35.7   82.9   18.3  
34.   10,000+ 2.28   31,401   3.0   104   37.1   41.0   13.1   67.4   19.9  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.39   19,850   3.5   81   72.2   4.6   180   91.6   18.6  
36.   Other 2.35   43,749   3.0   112   36.4   42.0   992   69.5   18.0   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 2-6, 2004                        For immediate release
2. Commercial and industrial loans made by domestic banks1                                March 18, 2004
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 3.39   42,415   282   569   65.7   19.2   45.0   83.6   21.0  
 2.   Mininal risk 2.23   1,251   378   365   83.6   44.8   23.6   90.4   20.4  
 3.   Low risk 2.07   8,891   715   376   63.1   35.3   15.1   68.7   28.0  
 4.   Moderate risk 3.40   14,677   320   734   60.0   20.1   44.8   86.3   17.3  
 5.   Other 4.39   12,375   252   525   76.2   4.6   65.8   91.7   19.7  
 
 6. Zero interval 3.73   13,723   197   530   66.5   8.3   57.5   75.6   14.8  
 7.   Mininal risk 1.73   426   430   238   91.9   54.2   35.6   95.7   13.0  
 8.   Low risk 1.99   3,753   753   150   45.4   1.0   18.6   31.7   16.7  
 9.   Moderate risk 4.06   3,737   166   739   65.1   6.7   73.3   92.4   13.3  
10.   Other 4.85   4,865   175   641   77.6   1.7   74.3   91.9   17.2  
 
11. Daily 2.76   10,096   374   450   64.7   32.3   39.5   80.0   29.0  
12.   Mininal risk 1.89   114   519   615   70.8   .6   88.1   88.4   .6  
13.   Low risk 1.67   2,812   1,604   430   86.7   83.1   8.7   98.9   40.5  
14.   Moderate risk 2.91   3,622   505   564   59.3   24.1   37.4   69.3   16.4  
15.   Other 4.03   1,184   221   204   60.7   1.2   54.0   76.3   18.9  
 
16. 2 to 30 days 3.07   8,674   448   517   67.1   20.3   37.0   94.5   19.0  
17.   Mininal risk 1.49   427   1,761   302   74.8   76.8   2.2   99.8   38.8  
18.   Low risk 2.15   1,323   893   608   55.8   36.5   13.6   94.3   17.5  
19.   Moderate risk 2.92   3,298   752   610   66.8   21.7   33.9   94.4   17.6  
20.   Other 4.07   2,702   274   403   76.8   6.6   59.2   95.5   13.2  
 
21. 31 to 365 days 3.63   5,763   331   367   68.9   14.8   42.0   91.1   27.7  
22.   Mininal risk 2.22   112   105   217   80.9   .1   18.2   44.0   20.4  
23.   Low risk 2.89   698   310   318   77.2   37.3   11.6   91.1   19.7  
24.   Moderate risk 3.60   2,134   321   373   61.8   8.4   45.7   87.6   31.0  
25.   Other 4.06   2,290   811   359   80.5   12.0   56.6   97.0   30.3  
  Months  
26. More than 365 days 4.18   3,961   261   44   57.6   28.1   37.6   85.6   15.5  
27.   Mininal risk 5.50   171   223   29   95.2   .3   7.0   85.4   .6  
28.   Low risk 4.59   299   154   31   64.1   7.5   45.4   83.9   16.8  
29.   Moderate risk 3.61   1,819   391   55   36.0   51.1   19.0   91.0   10.6  
30.   Other 4.39   1,225   543   31   77.8   2.0   75.4   87.2   25.1  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.08   2,785   3.4   185   85.6   6.6   74.1   83.8   12.9  
32.   100 - 999 4.27   8,611   3.4   112   74.3   7.0   73.0   90.9   15.4  
33.   1,000 - 9,999 3.55   14,321   3.3   114   62.8   13.3   47.1   89.5   20.5  
34.   10,000+ 2.52   16,698   2.8   159   60.4   32.5   24.0   74.8   26.6  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.36   19,103   3.6   83   73.5   4.4   174   91.3   18.6  
36.   Other 2.59   23,312   2.8   180   59.3   31.3   573   77.4   23.3   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 2-6, 2004                        For immediate release
3. Commercial and industrial loans made by large domestic banks1                          March 18, 2004
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   35,670   456   556   61.7   21.9   40.0   83.6   22.8  
 2.   Mininal risk 1.49   853   1,402   289   85.8   64.9   19.0   90.5   28.5  
 3.   Low risk 1.76   7,763   2,768   374   62.6   39.9   10.7   66.2   32.7  
 4.   Moderate risk 3.11   12,558   604   706   55.0   21.9   39.9   87.9   18.6  
 5.   Other 4.29   9,878   320   549   71.9   5.2   59.5   91.7   19.7  
 
 6. Zero interval 3.53   11,554   317   499   62.2   8.5   53.7   73.8   16.7  
 7.   Mininal risk 1.45   383   1,030   225   96.7   59.7   33.6   95.3   14.4  
 8.   Low risk 1.64   3,338   4,305   109   40.1   .8   12.1   25.8   21.8  
 9.   Moderate risk 3.87   2,827   253   615   57.4   4.5   72.7   95.5   14.8  
10.   Other 4.84   4,338   252   669   75.6   1.4   71.5   92.2   18.4  
 
11. Daily 2.57   9,127   418   460   62.9   35.6   35.5   78.4   32.4  
12.   Mininal risk 1.49   34   765   622   2.2   1.9   60.9   61.0   2.9  
13.   Low risk 1.64   2,647   3,770   452   90.7   88.1   7.8   99.0   43.0  
14.   Moderate risk 2.67   3,310   654   565   56.0   26.3   31.7   67.1   18.4  
15.   Other 3.67   861   211   203   49.3   1.5   47.3   68.0   26.5  
 
16. 2 to 30 days 3.02   7,982   592   534   68.0   21.5   34.7   94.8   20.3  
17.   Mininal risk 1.45   373   3,328   305   85.3   86.7   2.4   99.8   43.5  
18.   Low risk 2.22   1,169   1,225   682   61.6   41.0   14.6   93.8   19.3  
19.   Moderate risk 2.86   3,163   1,241   618   66.5   22.5   32.4   95.8   17.9  
20.   Other 3.98   2,358   344   398   76.8   6.2   53.8   95.1   14.9  
 
21. 31 to 365 days 3.15   4,356   1,655   414   61.0   18.8   32.3   94.3   28.6  
22.   Mininal risk 1.75   55   1,318   307   74.0   .0   3.0   14.8   34.8  
23.   Low risk 2.18   496   1,932   377   75.8   51.4   6.5   93.1   24.6  
24.   Moderate risk 3.14   1,794   2,092   397   56.2   8.9   40.7   94.4   33.3  
25.   Other 3.68   1,555