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

Release Date: July 8, 2004
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, MAY 3-7, 2004                             For immediate release
1. Commercial and industrial loans made by all commercial banks1                            July 8, 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   69,269   434   474   45.7   27.5   28.6   73.0   18.0  
 2.   Mininal risk 2.19   2,242   634   392   48.5   15.5   17.3   95.5   10.7  
 3.   Low risk 2.16   12,113   1,009   498   16.0   54.0   13.7   77.7   18.6  
 4.   Moderate risk 2.95   23,019   473   531   49.1   30.7   27.8   78.0   16.5  
 5.   Other 3.71   20,201   393   429   62.5   13.8   39.3   74.5   18.5  
 
 6. Zero interval 3.82   15,295   202   514   61.5   7.8   60.0   78.8   13.7  
 7.   Mininal risk 2.53   450   309   210   84.0   38.4   38.6   95.4   12.2  
 8.   Low risk 3.00   1,553   383   360   42.6   12.9   43.7   83.1   11.4  
 9.   Moderate risk 4.13   4,589   183   720   64.6   4.8   77.4   90.2   13.7  
10.   Other 4.58   5,006   185   604   76.9   3.3   75.4   88.7   15.5  
 
11. Daily 2.39   23,238   858   223   35.6   39.1   17.6   61.8   23.2  
12.   Mininal risk 1.95   347   1,110   233   78.9   .0   12.4   96.0   2.8  
13.   Low risk 1.78   6,450   3,431   305   6.1   70.6   5.7   70.2   26.2  
14.   Moderate risk 2.37   6,520   891   277   49.5   29.2   18.9   70.4   20.4  
15.   Other 2.89   6,029   971   40   51.2   23.5   9.2   42.4   15.0  
 
16. 2 to 30 days 2.59   14,077   636   360   42.8   35.8   23.7   75.5   14.9  
17.   Mininal risk 1.67   826   2,534   191   16.9   12.8   13.1   98.3   17.7  
18.   Low risk 2.02   2,047   1,225   460   16.5   36.5   16.1   86.6   8.5  
19.   Moderate risk 2.30   6,457   1,457   321   48.7   50.5   13.1   66.7   13.8  
20.   Other 3.73   3,498   307   384   57.4   20.7   49.1   86.2   14.8  
 
21. 31 to 365 days 3.17   11,556   601   642   40.0   23.7   14.7   87.1   20.1  
22.   Mininal risk 2.54   570   690   767   43.8   11.9   9.7   94.5   4.2  
23.   Low risk 2.65   1,839   597   1,111   20.0   54.8   9.2   91.6   14.4  
24.   Moderate risk 3.10   3,861   609   512   36.5   22.1   9.5   91.0   21.1  
25.   Other 3.71   3,762   1,140   628   58.0   10.0   25.7   95.1   26.0  
  Months  
26. More than 365 days 4.57   3,895   290   55   55.6   25.7   33.5   80.3   14.3  
27.   Mininal risk 5.42   46   76   43   92.6   1.9   9.3   56.0   .8  
28.   Low risk 5.07   179   136   98   75.8   16.5   61.9   75.5   13.3  
29.   Moderate risk 4.37   1,460   316   66   31.5   55.5   21.9   87.9   7.1  
30.   Other 4.40   1,536   650   33   74.0   6.7   52.0   84.1   24.7  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 4.96   2,858   3.4   162   84.8   6.4   72.5   83.9   13.3  
32.   100 - 999 4.22   10,601   3.4   139   73.1   9.0   68.1   88.2   14.9  
33.   1,000 - 9,999 3.10   22,395   3.2   100   41.3   23.5   32.1   84.8   16.0  
34.   10,000+ 2.35   33,416   3.0   100   36.6   37.9   9.9   59.3   22.0  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.36   19,792   3.5   89   68.7   6.0   181   91.2   16.9  
36.   Other 2.44   49,477   3.0   116   36.5   36.2   990   65.7   18.6   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, MAY 3-7, 2004                             For immediate release
2. Commercial and industrial loans made by domestic banks1                                  July 8, 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 3.32   48,421   312   628   50.1   18.7   39.5   81.4   18.6  
 2.   Mininal risk 2.33   1,133   345   366   60.2   27.4   33.7   91.2   19.3  
 3.   Low risk 2.24   8,413   732   576   21.4   48.5   19.0   90.0   22.0  
 4.   Moderate risk 3.41   16,302   346   730   48.0   19.7   37.2   84.3   15.0  
 5.   Other 4.20   13,051   263   644   71.1   4.7   58.7   87.0   18.0  
 
 6. Zero interval 3.80   14,928   199   506   61.3   7.9   59.8   78.3   13.3  
 7.   Mininal risk 2.40   415   292   200   90.0   41.6   40.6   95.0   12.0  
 8.   Low risk 2.91   1,499   376   321   41.6   13.4   45.1   82.5   11.7  
 9.   Moderate risk 4.13   4,496   181   715   64.7   4.9   77.0   90.0   13.3  
10.   Other 4.58   4,823   181   601   76.7   2.9   75.2   88.3   14.6  
 
11. Daily 2.68   11,655   454   412   37.1   29.5   33.3   83.4   26.1  
12.   Mininal risk 2.58   133   545   402   64.4   .0   32.4   89.6   7.8  
13.   Low risk 1.79   3,920   2,269   368   10.0   68.6   9.4   95.1   31.8  
14.   Moderate risk 2.85   3,531   513   540   46.2   19.4   30.5   73.1   15.3  
15.   Other 4.07   1,334   238   211   68.2   .7   38.9   71.4   13.8  
 
16. 2 to 30 days 2.94   8,829   422   514   48.3   20.5   36.8   84.7   15.4  
17.   Mininal risk 1.60   413   1,709   297   24.0   25.5   26.1   96.7   34.7  
18.   Low risk 2.09   1,507   966   526   22.1   26.5   21.8   90.6   9.0  
19.   Moderate risk 2.73   3,569   907   510   46.3   27.8   22.9   79.6   12.5  
20.   Other 4.21   2,302   210   539   77.5   8.4   72.5   93.4   13.7  
 
21. 31 to 365 days 3.41   7,906   438   736   40.5   20.3   19.7   89.6   22.3  
22.   Mininal risk 3.06   121   160   502   63.6   25.8   45.8   74.0   3.3  
23.   Low risk 2.63   1,263   438   1,218   21.3   60.4   9.0   87.8   17.3  
24.   Moderate risk 3.32   3,114   524   581   34.1   15.9   10.5   92.1   22.4  
25.   Other 3.76   2,686   924   766   51.3   6.1   34.5   94.3   26.0  
  Months  
26. More than 365 days 4.57   3,895   290   55   55.6   25.7   33.5   80.3   14.3  
27.   Mininal risk 5.42   46   76   43   92.6   1.9   9.3   56.0   .8  
28.   Low risk 5.07   179   136   98   75.8   16.5   61.9   75.5   13.3  
29.   Moderate risk 4.37   1,460   316   66   31.5   55.5   21.9   87.9   7.1  
30.   Other 4.40   1,536   651   33   74.0   6.7   52.0   84.1   24.7  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 4.96   2,836   3.4   163   85.0   6.4   72.5   83.8   13.3  
32.   100 - 999 4.28   9,962   3.4   147   76.0   7.2   70.4   88.3   14.9  
33.   1,000 - 9,999 3.39   15,865   3.2   133   51.3   14.7   42.8   91.0   17.6  
34.   10,000+ 2.55   19,757   2.9   162   31.0   29.5   16.5   70.0   23.1  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.35   19,124   3.5   91   69.7   5.2   176   90.9   16.8  
36.   Other 2.65   29,296   2.9   188   37.3   27.5   629   75.3   20.1   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, MAY 3-7, 2004                             For immediate release
3. Commercial and industrial loans made by large domestic banks1                            July 8, 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 3.04   40,112   485   573   43.9   21.4   34.9   81.5   20.4  
 2.   Mininal risk 1.63   853   1,229   328   49.8   36.4   21.5   95.1   24.2  
 3.   Low risk 2.04   6,944   2,296   548   17.4   58.0   16.3   90.7   26.1  
 4.   Moderate risk 3.17   14,145   657   642   42.9   20.7   32.7   85.4   16.1  
 5.   Other 3.96   9,856   312   641   64.5   5.1   51.1   87.5   17.9  
 
 6. Zero interval 3.56   12,058   293   473   55.0   9.1   56.3   76.8   15.0  
 7.   Mininal risk 1.38   267   707   180   91.5   64.7   15.5   93.4   18.3  
 8.   Low risk 2.61   1,287   1,449   316   34.8   15.5   39.7   82.2   12.5  
 9.   Moderate risk 3.96   3,306   274   644   59.3   4.6   74.4   92.7   14.8  
10.   Other 4.49   4,124   241   625   73.5   3.1   72.0   90.5   15.8  
 
11. Daily 2.58   10,265   495   378   35.2   32.9   31.1   82.1   29.9  
12.   Mininal risk 2.29   119   2,056   408   60.6   .0   29.0   91.6   8.4  
13.   Low risk 1.73   3,155   4,974   439   8.1   85.2   7.4   95.7   39.3  
14.   Moderate risk 2.67   3,283   648   357   43.5   18.8   25.7   71.2   16.6  
15.   Other 3.77   1,074   262   170   61.8   .9   27.2   65.1   17.0  
 
16. 2 to 30 days 2.75   7,713   561   496   46.0   22.2   31.0   84.7   16.5  
17.   Mininal risk 1.44   379   2,480   301   17.1   27.9   20.5   96.4   38.0  
18.   Low risk 2.10   1,335   1,253   560   22.8   29.4   22.3   90.7   10.0  
19.   Moderate risk 2.70   3,469   1,407   513   45.3   28.1   22.0   79.6   12.7  
20.   Other 3.92   1,536   213   408   80.3   8.0   61.1   97.9   15.1  
 
21. 31 to 365 days 3.04   6,525   2,129   775   31.1   23.5   12.6   91.1   22.1  
22.   Mininal risk 2.11   69   1,189   638   40.1   45.5   38.6   99.9   3.7  
23.   Low risk 2.19   1,068   3,539   1,112   13.4   67.1   7.5   89.4   19.5  
24.   Moderate risk 3.16   2,848   3,345   588   31.0   16.7   9.2   94.2   23.4  
25.   Other 3.28   1,963