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 30, 2005
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 7-11, 2005                       For immediate release
1. Commercial and industrial loans made by all commercial banks1                          March 30, 2005
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 4.26   59,835   383   477   39.5   22.3   27.9   77.6   10.2  
 2.   Mininal risk 3.68   1,839   507   375   46.5   3.3   17.7   89.5   4.9  
 3.   Low risk 3.93   10,797   516   426   34.0   18.5   27.5   82.4   8.7  
 4.   Moderate risk 4.19   25,026   467   540   40.2   22.9   25.6   74.5   10.3  
 5.   Other 4.71   14,677   304   371   43.4   21.9   34.2   77.4   14.3  
 
 6. Zero interval 5.32   14,840   173   593   61.5   9.4   75.4   93.4   11.4  
 7.   Mininal risk 4.48   212   159   427   58.2   4.0   52.0   96.2   4.9  
 8.   Low risk 4.33   2,660   253   542   56.4   11.7   69.9   94.0   9.0  
 9.   Moderate risk 5.25   5,844   212   630   48.6   4.4   71.9   95.2   12.2  
10.   Other 5.96   4,040   143   585   78.1   1.0   87.8   89.2   13.0  
 
11. Daily 3.53   20,398   1,139   194   20.3   27.7   7.7   61.6   9.7  
12.   Mininal risk 3.71   368   1,104   306   48.4   .0   36.9   99.0   3.5  
13.   Low risk 3.45   3,744   1,232   150   11.6   27.8   6.9   70.0   7.5  
14.   Moderate risk 3.47   10,084   1,377   279   26.4   25.8   6.3   57.4   6.0  
15.   Other 3.70   5,340   928   78   11.6   23.9   8.3   69.1   17.6  
 
16. 2 to 30 days 3.94   13,211   652   402   41.3   27.7   9.6   78.2   12.8  
17.   Mininal risk 3.24   914   2,707   349   36.3   .5   .3   92.6   5.7  
18.   Low risk 3.73   2,993   1,192   453   32.6   13.8   11.0   87.3   9.6  
19.   Moderate risk 3.82   4,694   734   389   47.7   35.4   8.8   75.5   15.3  
20.   Other 4.41   3,607   391   317   46.0   34.4   10.4   75.9   16.3  
 
21. 31 to 365 days 4.77   5,309   323   833   51.4   23.4   21.6   85.6   7.6  
22.   Mininal risk 4.42   253   180   462   52.2   18.5   28.4   57.5   2.6  
23.   Low risk 4.49   930   390   406   37.6   16.9   31.4   89.4   11.3  
24.   Moderate risk 4.82   2,836   424   1,105   53.8   22.8   20.9   92.0   6.4  
25.   Other 4.82   936   429   666   58.4   28.7   12.2   82.7   7.3  
  Months  
26. More than 365 days 5.54   2,994   254   52   53.7   46.2   40.1   70.0   8.4  
27.   Mininal risk 6.58   11   60   42   70.9   .0   25.7   49.3   3.4  
28.   Low risk 6.07   353   226   77   87.8   17.9   47.0   62.1   2.2  
29.   Moderate risk 4.91   1,375   320   48   42.8   40.7   33.1   68.0   14.9  
30.   Other 6.77   650   320   50   44.3   59.3   80.7   69.0   1.3  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 6.07   2,905   3.3   161   86.7   8.7   71.1   85.6   7.5  
32.   100 - 999 5.50   9,922   3.1   156   71.5   11.9   65.9   88.3   10.3  
33.   1,000 - 9,999 4.38   19,956   2.9   98   38.3   22.2   29.9   83.0   11.2  
34.   10,000+ 3.52   27,052   3.1   53   23.6   27.7   7.9   68.8   9.5  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 5.78   16,722   3.1   129   64.3   11.6   154   90.1   10.3  
36.   Other 3.66   43,113   3.0   76   29.9   26.5   902   72.7   10.1   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 7-11, 2005                       For immediate release
2. Commercial and industrial loans made by domestic banks1                                March 30, 2005
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 4.88   34,436   228   747   56.8   11.2   45.0   84.7   11.9  
 2.   Mininal risk 3.90   929   279   509   76.8   5.8   32.0   86.4   7.0  
 3.   Low risk 4.15   7,913   391   556   44.7   7.9   36.6   83.8   11.0  
 4.   Moderate risk 4.80   14,593   282   875   51.8   9.1   39.9   81.2   13.0  
 5.   Other 5.71   7,192   156   673   72.9   6.5   62.9   90.5   13.0  
 
 6. Zero interval 5.28   14,291   168   578   62.3   9.8   75.0   93.1   11.4  
 7.   Mininal risk 5.11   132   101   585   83.5   6.5   73.4   93.9   7.8  
 8.   Low risk 4.32   2,648   252   541   56.2   11.7   69.8   94.0   8.9  
 9.   Moderate risk 5.17   5,498   201   593   49.3   4.7   70.1   94.9   12.3  
10.   Other 5.93   3,932   141   578   78.7   1.0   87.5   88.9   12.9  
 
11. Daily 4.28   6,341   389   557   40.6   .6   23.1   63.8   15.0  
12.   Mininal risk 3.79   150   647   138   89.7   .0   90.5   97.6   5.1  
13.   Low risk 3.68   2,079   716   201   19.2   1.5   12.4   70.9   13.2  
14.   Moderate risk 4.33   3,137   468   814   43.4   .0   18.6   50.0   17.4  
15.   Other 5.41   858   168   477   68.3   .9   44.9   89.1   16.1  
 
16. 2 to 30 days 4.19   6,634   365   697   53.8   4.9   15.7   88.1   14.2  
17.   Mininal risk 3.12   356   1,620   700   70.2   .0   .8   99.7   8.4  
18.   Low risk 3.87   1,984   935   632   46.3   4.0   16.6   85.6   12.6  
19.   Moderate risk 4.10   2,313   406   730   53.4   3.7   13.6   83.4   16.6  
20.   Other 4.92   1,390   164   582   67.5   2.8   17.9   95.8   17.9  
 
21. 31 to 365 days 5.09   3,711   238   1,016   66.5   18.7   25.5   89.0   8.8  
22.   Mininal risk 4.52   199   147   279   65.4   22.6   28.6   45.9   3.4  
23.   Low risk 4.60   733   327   467   43.3   17.4   31.9   88.0   13.6  
24.   Moderate risk 5.21   2,084   325   1,420   70.8   21.0   25.3   96.8   7.3  
25.   Other 5.37   399   221   644   92.8   .2   13.3   92.1   7.1  
  Months  
26. More than 365 days 5.54   2,845   242   53   51.4   48.3   37.3   73.3   8.3  
27.   Mininal risk 6.58   11   60   42   70.9   .0   25.7   49.3   3.4  
28.   Low risk 6.07   351   225   77   88.3   17.4   46.6   61.9   2.2  
29.   Moderate risk 4.92   1,369   319   48   42.5   40.5   33.3   67.9   14.7  
30.   Other 7.10   510   253   58   28.9   75.3   75.7   87.7   1.3  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 6.07   2,888   3.3   162   86.9   8.6   71.2   85.6   7.5  
32.   100 - 999 5.59   8,992   3.1   169   75.4   9.0   69.7   89.3   10.2  
33.   1,000 - 9,999 4.67   12,859   2.8   142   49.2   13.1   41.3   90.2   12.4  
34.   10,000+ 4.15   9,696   2.9   115   40.8   11.5   19.2   72.7   14.5  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 5.76   15,490   3.1   133   66.6   11.7   144   90.5   10.5  
36.   Other 4.16   18,946   2.8   151   48.8   10.8   433   79.9   13.2   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 7-11, 2005                       For immediate release
3. Commercial and industrial loans made by large domestic banks1                          March 30, 2005
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 4.72   29,542   322   712   53.3   11.3   42.0   85.5   13.1  
 2.   Mininal risk 3.41   692   924   571   70.9   7.7   15.1   93.1   7.6  
 3.   Low risk 4.10   6,576   513   549   44.8   8.3   38.7   83.2   12.9  
 4.   Moderate risk 4.55   12,664   487   804   46.0   7.4   34.1   81.1   14.1  
 5.   Other 5.63   6,391   189   647   70.4   6.9   60.4   91.1   13.9  
 
 6. Zero interval 5.16   12,811   218   585   59.6   10.6   73.4   94.0   11.7  
 7.   Mininal risk 4.09   76   195   791   79.9   11.2   56.4   90.6   5.0  
 8.   Low risk 4.24   2,533   305   551   55.0   12.2   69.1   94.0   8.8  
 9.   Moderate risk 5.04   4,855   318   576   45.0   5.0   67.9   96.2   12.6  
10.   Other 5.87   3,510   169   598   77.4   .9   86.3   89.3   13.5  
 
11. Daily 4.33   5,158   505   593   40.6   .7   19.5   58.3   19.9  
12.   Mininal risk 3.95   70   779   129   77.9   .0   79.6   99.9   10.7  
13.   Low risk 4.12   1,360   1,041   317   26.8   2.3   16.3   55.9   25.4  
14.   Moderate risk 4.15   2,896   704   799   39.1   .0   12.3   50.1   18.7  
15.   Other 5.25   721   200   260   63.5   .7   38.3   87.9   18.4  
 
16. 2 to 30 days 4.09   6,227   446   664   52.1   4.5   11.4   87.9   14.8  
17.   Mininal risk 3.12   354   2,554   704   70.0   .0   .7   99.7   8.4  
18.   Low risk 3.86   1,965   1,078   631   45.9   3.8   16.1   85.6   12.7  
19.   Moderate risk 3.94   2,091   601   670   50.5   2.5   5.8   82.0   18.1  
20.   Other 4.81   1,293   176   527   65.4   2.0   11.9   97.0   18.8  
 
21. 31 to 365 days 4.51   2,647   1,132   1,109   55.5   13.1   11.4   94.1   10.6  
22.   Mininal risk 3.27   109   1,144   371   40.9   41.3   1.2   63.6   3.3  
23.   Low risk 3.86   499   1,662   584   23.9   21.5   23.6   91.3   17.5  
24.   Moderate risk 4.66   1,540   1,753   1,478   61.9   7.3   8.1   98.7   8.9  
25.   Other 5.36   321