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

Release Date: June 24, 2005
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, MAY 2-6, 2005                             For immediate release
1. Commercial and industrial loans made by all commercial banks1                           June 24, 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 4.83   70,178   396   531   41.9   24.3   33.2   79.3   12.0  
 2.   Mininal risk 4.07   2,015   497   604   45.5   2.1   18.7   91.0   8.6  
 3.   Low risk 4.04   11,166   1,012   384   16.5   37.0   17.6   85.9   16.0  
 4.   Moderate risk 4.92   27,607   408   637   43.4   19.8   32.6   80.6   11.5  
 5.   Other 5.27   19,744   347   439   51.2   22.0   38.0   75.5   13.2  
 
 6. Zero interval 5.98   19,108   200   806   62.8   8.8   75.4   92.2   9.9  
 7.   Mininal risk 5.47   225   204   1,174   40.8   8.9   40.0   91.9   4.0  
 8.   Low risk 4.87   1,546   377   611   50.1   11.8   44.7   96.4   12.1  
 9.   Moderate risk 6.12   8,276   229   1,023   61.3   3.7   76.7   93.5   10.2  
10.   Other 6.54   4,770   154   734   74.9   2.8   77.7   89.9   11.1  
 
11. Daily 3.93   22,689   1,171   187   11.8   36.7   8.6   65.2   13.5  
12.   Mininal risk 4.07   568   781   126   32.4   1.4   34.3   83.4   3.4  
13.   Low risk 3.74   4,908   2,318   279   3.8   59.8   6.4   76.9   26.4  
14.   Moderate risk 3.95   8,556   1,070   248   16.3   23.1   9.0   69.8   9.3  
15.   Other 4.03   6,646   1,069   43   11.6   34.6   6.2   55.8   10.3  
 
16. 2 to 30 days 4.64   13,824   522   373   48.9   31.7   26.6   79.1   11.4  
17.   Mininal risk 3.79   257   937   667   20.8   .2   11.2   91.1   1.3  
18.   Low risk 3.83   3,013   1,988   342   11.3   28.0   13.6   92.4   8.9  
19.   Moderate risk 4.57   4,945   553   334   56.9   39.5   23.7   75.7   15.6  
20.   Other 5.29   4,523   350   374   66.3   26.4   37.9   78.9   10.2  
 
21. 31 to 365 days 5.00   9,352   451   625   51.7   18.4   20.6   85.6   16.5  
22.   Mininal risk 3.83   659   461   737   44.5   1.9   7.4   95.2   19.3  
23.   Low risk 4.79   1,256   588   460   21.5   12.3   29.5   91.0   6.9  
24.   Moderate risk 4.87   3,789   432   628   53.3   19.9   5.7   88.2   14.1  
25.   Other 5.64   2,777   772   654   69.6   19.2   43.4   89.2   24.7  
  Months  
26. More than 365 days 5.45   4,189   321   50   51.5   20.7   28.0   78.0   9.5  
27.   Mininal risk 3.90   164   340   33   93.0   .1   8.9   91.9   6.3  
28.   Low risk 6.35   236   209   46   34.9   .7   76.2   90.9   4.0  
29.   Moderate risk 5.01   1,998   368   51   32.9   24.2   23.4   70.5   9.1  
30.   Other 6.41   955   405   50   79.0   19.1   41.9   83.5   15.5  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 6.54   3,254   3.4   148   85.3   7.3   70.3   86.3   7.8  
32.   100 - 999 5.96   11,571   3.3   115   72.1   10.4   70.5   92.4   9.8  
33.   1,000 - 9,999 5.01   25,199   3.2   116   44.5   20.8   34.7   84.8   12.3  
34.   10,000+ 4.07   30,154   3.0   74   23.4   34.3   13.7   68.8   13.4  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 6.16   23,314   3.3   79   65.3   8.0   190   92.8   10.8  
36.   Other 4.17   46,864   3.0   110   30.2   32.4   857   72.5   12.8   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, MAY 2-6, 2005                             For immediate release
2. Commercial and industrial loans made by domestic banks1                                 June 24, 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 5.33   44,066   257   760   58.7   14.0   49.7   87.7   14.1  
 2.   Mininal risk 4.17   939   253   500   74.3   3.9   37.4   92.9   17.6  
 3.   Low risk 4.22   6,174   616   530   29.0   34.8   25.3   89.8   23.4  
 4.   Moderate risk 5.39   18,466   283   909   52.7   10.0   46.3   85.1   12.2  
 5.   Other 6.12   11,216   205   693   81.5   5.6   63.2   91.0   15.7  
 
 6. Zero interval 5.96   18,544   196   793   63.0   9.0   75.8   92.0   9.7  
 7.   Mininal risk 4.83   136   127   690   67.6   14.8   66.2   86.5   6.3  
 8.   Low risk 4.84   1,516   379   595   49.8   12.0   44.8   96.3   12.2  
 9.   Moderate risk 6.13   8,006   225   1,028   61.1   3.8   76.7   93.3   9.8  
10.   Other 6.50   4,595   150   702   75.2   2.8   77.9   89.5   11.0  
 
11. Daily 4.44   6,981   401   528   34.1   32.4   23.7   74.9   27.2  
12.   Mininal risk 5.01   195   313   357   78.2   4.1   99.9   98.9   8.3  
13.   Low risk 3.86   2,258   1,155   445   8.4   74.8   14.0   84.3   44.0  
14.   Moderate risk 4.38   3,378   464   649   34.9   16.4   18.7   64.5   19.9  
15.   Other 5.57   952   172   335   74.6   1.3   36.5   83.2   15.3  
 
16. 2 to 30 days 5.18   7,425   301   619   67.1   9.1   46.6   93.4   12.2  
17.   Mininal risk 4.34   39   215   587   29.7   .1   18.3   96.5   5.3  
18.   Low risk 4.07   1,306   1,221   539   26.1   9.6   21.8   94.5   15.9  
19.   Moderate risk 5.21   2,459   295   610   62.7   5.0   45.6   95.9   11.9  
20.   Other 5.79   2,804   225   622   90.6   10.2   60.2   96.7   11.9  
 
21. 31 to 365 days 5.11   6,151   319   565   63.4   11.5   23.5   86.9   21.0  
22.   Mininal risk 3.63   397   299   313   70.7   2.0   11.4   92.0   32.3  
23.   Low risk 4.70   663   358   331   37.1   19.6   17.0   83.0   9.4  
24.   Moderate risk 4.87   2,582   310   667   54.9   15.0   6.7   87.5   15.2  
25.   Other 5.86   1,931   642   564   84.8   4.0   53.4   90.7   32.6  
  Months  
26. More than 365 days 5.44   4,082   314   50   51.7   19.7   27.6   79.0   9.6  
27.   Mininal risk 3.90   164   340   33   93.0   .1   8.9   91.9   6.3  
28.   Low risk 6.38   224   199   48   31.3   .7   74.9   90.3   3.0  
29.   Moderate risk 5.01   1,998   368   51   32.9   24.2   23.4   70.5   9.1  
30.   Other 6.47   861   367   48   84.0   13.9   42.8   89.0   16.2  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 6.55   3,224   3.4   149   85.5   7.1   70.4   86.2   7.8  
32.   100 - 999 6.02   10,680   3.3   123   75.8   8.2   73.3   92.6   9.8  
33.   1,000 - 9,999 5.37   16,290   3.2   165   58.9   11.7   48.5   90.7   14.2  
34.   10,000+ 4.48   13,872   2.9   146   39.1   22.9   28.3   80.9   19.3  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 6.16   21,920   3.4   79   67.9   7.6   181   92.5   10.8  
36.   Other 4.51   22,146   2.9   217   49.6   20.4   441   83.0   17.7   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, MAY 2-6, 2005                             For immediate release
3. Commercial and industrial loans made by large domestic banks1                           June 24, 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 5.14   38,146   399   738   54.5   15.8   46.9   88.2   15.4  
 2.   Mininal risk 3.68   722   1,037   453   77.2   5.0   29.7   97.3   21.5  
 3.   Low risk 3.99   5,519   1,292   520   24.5   38.6   21.8   89.4   25.6  
 4.   Moderate risk 5.17   15,830   538   884   46.7   11.0   42.2   85.3   13.2  
 5.   Other 6.01   9,700   266   663   80.0   6.1   60.9   91.4   17.3  
 
 6. Zero interval 5.85   16,007   278   806   59.6   10.1   74.5   92.5   9.9  
 7.   Mininal risk 4.47   98   311   589   58.1   20.3   59.7   84.0   8.0  
 8.   Low risk 4.60   1,309   728   638   46.1   13.7   41.0   96.6   12.2  
 9.   Moderate risk 6.04   6,559   383   1,037   55.7   3.8   74.9   94.9   9.8  
10.   Other 6.42   4,034   215   740   74.7   3.0   75.5   89.2   11.6  
 
11. Daily 4.28   6,497   604   509   30.2   34.8   18.4   73.6   29.4  
12.   Mininal risk 4.31   110   1,288   270   94.7   7.3   99.9   98.1   14.8  
13.   Low risk 3.81   2,223   2,050   447   7.0   76.0   12.6   84.1   44.8  
14.   Moderate risk 4.22   3,153   760   666   31.1   17.5   13.2   62.8   21.6  
15.   Other 5.48   882   199   120   72.7   1.1   32.2   82.0   16.0  
 
16. 2 to 30 days 5.01   6,512   347   674   63.8   10.0   42.2   93.3   13.5  
17.   Mininal risk 4.17   25   241   446   36.0   .1   18.5   100.0   6.4  
18.   Low risk 4.03   1,259   1,321   544   24.7   9.8   21.7   94.6   16.2  
19.   Moderate risk 5.03   2,171   396   653   57.9   5.5   40.7   95.9   13.3  
20.   Other 5.61   2,411   230   695   89.2   11.2   54.4   96.9   13.2  
 
21. 31 to 365 days 4.83   5,156   1,558   592   58.3   13.1   22.1   88.6   24.0  
22.   Mininal risk 3.35   349   2,399   323   70.8   2.3   11.6   99.7   33.8  
23.   Low risk 4.35   465   1,566   401   14.4   25.6   21.3   80.3   12.1  
24.   Moderate risk 4.56   2,245   1,940   708   50.2   16.4   4.4   88.6   17.0  
25.   Other 5.71   1,690