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 22, 2004
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 1-5, 2004                        For immediate release
1. Commercial and industrial loans made by all commercial banks1                       December 22, 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 4.08   86,133   515   661   40.0   29.5   30.1   79.6   11.2  
 2.   Mininal risk 2.98   2,552   648   447   44.6   2.4   17.2   90.4   4.2  
 3.   Low risk 3.87   15,774   776   907   25.4   24.9   19.5   90.1   10.7  
 4.   Moderate risk 3.77   30,278   541   493   42.6   43.3   32.7   82.8   9.2  
 5.   Other 4.57   31,712   577   760   42.6   16.3   34.6   75.7   14.5  
 
 6. Zero interval 5.19   23,660   289   1,295   46.7   5.9   47.9   94.7   7.0  
 7.   Mininal risk 4.05   450   243   361   59.4   .3   47.8   99.8   9.2  
 8.   Low risk 5.07   5,860   538   1,422   32.5   3.7   36.9   95.1   5.3  
 9.   Moderate risk 4.58   4,896   206   679   57.7   5.4   71.9   89.8   10.8  
10.   Other 5.64   10,354   398   1,704   40.8   .9   43.0   96.8   5.6  
 
11. Daily 3.12   23,949   1,498   139   18.9   44.9   8.1   51.5   15.3  
12.   Mininal risk 2.40   691   1,692   48   34.2   .3   12.8   72.4   2.0  
13.   Low risk 2.64   3,192   1,836   321   5.8   68.6   6.7   72.8   33.5  
14.   Moderate risk 2.96   8,437   1,095   233   27.9   38.2   13.2   69.1   11.2  
15.   Other 3.58   9,538   2,031   17   16.5   38.1   4.1   36.8   12.5  
 
16. 2 to 30 days 3.66   22,194   645   469   37.3   40.9   23.3   88.2   8.2  
17.   Mininal risk 2.62   745   1,462   517   33.2   5.6   2.2   97.5   2.2  
18.   Low risk 3.34   5,027   1,828   728   23.2   23.0   7.5   94.6   7.4  
19.   Moderate risk 3.70   10,818   979   312   34.7   61.3   26.2   88.7   7.7  
20.   Other 4.02   5,083   277   563   57.1   18.8   35.3   83.4   11.4  
 
21. 31 to 365 days 4.10   10,009   508   416   61.3   18.5   35.1   89.3   21.4  
22.   Mininal risk 2.96   525   756   610   53.2   1.8   16.7   98.1   4.4  
23.   Low risk 3.56   1,227   377   542   34.1   22.2   10.1   92.4   6.0  
24.   Moderate risk 3.92   3,169   429   578   52.9   38.0   16.4   84.9   9.7  
25.   Other 4.49   4,587   1,288   244   77.1   5.1   57.6   96.0   35.2  
  Months  
26. More than 365 days 5.09   5,928   428   47   69.1   38.9   63.6   83.0   13.5  
27.   Mininal risk 4.42   123   274   56   73.0   6.1   24.0   79.7   6.6  
28.   Low risk 5.24   256   204   50   53.3   27.8   50.3   89.1   4.4  
29.   Moderate risk 4.86   2,862   561   50   76.2   62.6   63.7   86.3   6.9  
30.   Other 5.33   2,135   973   40   59.4   12.3   79.4   84.8   24.6  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.47   3,103   3.3   156   88.8   6.5   66.5   86.8   7.8  
32.   100 - 999 4.97   10,902   3.2   133   74.7   9.5   70.4   87.8   10.3  
33.   1,000 - 9,999 3.90   24,913   3.2   124   45.3   21.9   34.0   85.1   14.0  
34.   10,000+ 3.87   47,215   3.3   97   25.9   39.6   16.3   74.3   10.0  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 5.02   25,900   3.4   211   66.3   18.1   234   92.5   13.3  
36.   Other 3.67   60,233   3.2   69   28.7   34.4   1,062   74.0   10.1   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 1-5, 2004                        For immediate release
2. Commercial and industrial loans made by domestic banks1                             December 22, 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 4.42   57,318   352   830   49.6   22.4   42.3   90.7   12.7  
 2.   Mininal risk 3.39   1,278   356   499   65.8   1.9   34.0   80.8   8.8  
 3.   Low risk 3.46   11,163   567   633   32.3   25.9   26.3   89.6   14.8  
 4.   Moderate risk 4.17   21,617   397   653   47.2   38.3   43.2   89.6   9.5  
 5.   Other 5.20   19,752   372   1,170   55.2   2.8   50.9   94.9   15.7  
 
 6. Zero interval 5.02   20,160   249   1,163   50.7   6.8   51.6   93.8   7.9  
 7.   Mininal risk 4.00   429   235   338   61.7   .4   50.2   99.8   9.2  
 8.   Low risk 4.04   3,297   304   625   57.0   6.7   65.2   91.3   9.6  
 9.   Moderate risk 4.57   4,733   201   673   56.8   5.5   71.2   89.5   10.5  
10.   Other 5.64   9,602   375   1,758   37.0   1.0   38.6   96.6   5.6  
 
11. Daily 3.64   7,169   498   475   33.6   33.4   23.7   79.8   24.1  
12.   Mininal risk 2.44   276   934   45   29.5   .8   32.1   30.8   11.5  
13.   Low risk 2.70   2,379   1,474   415   6.4   63.4   8.9   77.3   42.3  
14.   Moderate risk 3.59   3,586   498   566   41.2   24.2   25.2   81.6   16.9  
15.   Other 7.00   726   182   246   72.2   1.7   50.8   96.1   12.5  
 
16. 2 to 30 days 3.88   16,658   504   551   39.9   36.0   29.9   95.1   7.7  
17.   Mininal risk 2.91   234   573   866   87.5   2.3   7.0   92.0   5.7  
18.   Low risk 3.40   4,385   1,748   745   22.6   21.1   8.6   95.7   7.9  
19.   Moderate risk 3.98   8,136   769   377   32.1   59.8   33.6   95.9   6.2  
20.   Other 4.28   3,634   203   703   72.4   3.0   46.8   93.7   11.2  
 
21. 31 to 365 days 4.29   7,167   382   423   66.8   12.2   46.5   89.3   28.3  
22.   Mininal risk 3.35   198   338   233   91.8   3.9   42.2   95.1   11.8  
23.   Low risk 3.63   686   225   428   36.9   28.2   6.9   86.4   8.3  
24.   Moderate risk 4.09   2,265   317   641   53.5   24.0   21.2   83.4   11.8  
25.   Other 4.54   3,641   1,137   268   80.0   1.8   70.8   97.1   42.4  
  Months  
26. More than 365 days 5.09   5,814   420   47   69.5   37.7   62.9   82.6   13.8  
27.   Mininal risk 4.42   123   274   56   73.0   6.1   24.0   79.7   6.6  
28.   Low risk 5.35   204   163   48   67.1   9.2   37.5   86.3   5.8  
29.   Moderate risk 4.85   2,802   552   50   75.8   61.9   62.9   86.0   7.0  
30.   Other 5.33   2,134   975   40   59.5   12.3   79.3   84.8   24.6  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 5.47   3,083   3.3   157   89.1   6.5   66.6   86.8   7.8  
32.   100 - 999 5.02   10,262   3.2   139   77.6   8.0   72.6   88.3   10.3  
33.   1,000 - 9,999 4.25   16,897   3.2   163   59.2   14.1   45.0   91.5   16.2  
34.   10,000+ 4.18   27,076   3.1   165   28.5   34.9   26.3   91.6   11.9  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 4.99   24,247   3.4   217   67.2   18.1   222   92.0   13.7  
36.   Other 4.00   33,071   3.0   118   36.7   25.6   622   89.8   11.9   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 1-5, 2004                        For immediate release
3. Commercial and industrial loans made by large domestic banks1                       December 22, 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 4.23   49,417   549   852   43.1   25.7   37.1   91.9   12.3  
 2.   Mininal risk 3.08   1,095   597   435   62.5   1.6   28.2   81.4   8.6  
 3.   Low risk 3.27   10,348   909   632   28.4   27.6   23.6   90.4   15.5  
 4.   Moderate risk 4.01   19,776   691   618   43.5   41.6   40.2   91.3   9.9  
 5.   Other 5.15   15,988   455   1,330   46.1   3.0   42.0   94.6   13.7  
 
 6. Zero interval 4.94   17,640   369   1,261   45.3   7.7   48.2   94.9   8.1  
 7.   Mininal risk 3.69   350   292   364   57.1   .4   41.1   99.8   9.1  
 8.   Low risk 3.81   2,946   400   610   53.0   7.4   63.2   94.3   10.0  
 9.   Moderate risk 4.35   3,936   323   681   51.7   6.2   66.9   90.0   11.5  
10.   Other 5.64   9,035   541   1,841   33.8   .9   35.1   96.9   5.4  
 
11. Daily 3.54   6,853   705   470   31.2   34.9   20.2   79.1   25.3  
12.   Mininal risk 2.35   271   3,027   42   29.4   .8   30.9   30.7   11.5  
13.   Low risk 2.66   2,347   2,097   415   5.1   64.3   7.7   77.1   43.0  
14.   Moderate risk 3.51   3,459   659   566   39.9   25.1   22.5   81.2   17.5  
15.   Other 7.26   593   260   165   68.1   1.6   39.8   95.9   14.8  
 
16. 2 to 30 days 3.79   15,570   607   568   37.2   38.2   26.5   95.2   7.5  
17.   Mininal risk 2.77   215   746   897   86.5   2.5   1.3   94.6   5.0  
18.   Low risk 3.32   4,194   2,222   767   21.5   22.0   6.2   95.6   8.1  
19.   Moderate risk 3.96   8,027   925   377   31.3   60.6   32.9   96.0   6.3  
20.   Other 4.06   2,959   210   805   69.1   2.6   38.6   92.6   10.7  
 
21. 31 to 365 days 3.73   5,013   1,746   408   55.8   16.8   35.1   92.9   28.4  
22.   Mininal risk 3.10   179   1,390   239   92.5   4.3   39.6   98.6   11.4  
23.   Low risk 3.03   531   1,375   470   20.1   34.3   3.6   85.8   9.4  
24.   Moderate risk 3.60   1,850   2,050   552   44.8   28.2   12.5   91.0   12.7  
25.   Other 4.04   2,288