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

Release Date: September 15, 2005
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 1-5, 2005                          For immediate release
1. Commercial and industrial loans made by all commercial banks1                      September 15, 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 5.22   84,061   495   506   39.6   24.8   29.8   77.1   11.3  
 2.   Mininal risk 4.10   4,157   1,224   416   39.0   .8   15.4   80.7   12.2  
 3.   Low risk 4.72   12,571   938   470   27.9   27.9   13.6   78.7   10.4  
 4.   Moderate risk 5.16   34,488   539   527   39.3   22.3   29.1   75.3   13.4  
 5.   Other 5.99   20,635   406   466   44.6   29.9   37.2   80.4   11.6  
 
 6. Zero interval 6.01   17,819   203   658   63.1   9.6   78.1   92.0   8.8  
 7.   Mininal risk 5.00   202   220   652   55.1   9.5   51.5   91.9   13.4  
 8.   Low risk 5.06   1,458   361   560   52.6   11.3   52.3   90.6   13.7  
 9.   Moderate risk 6.14   6,569   214   726   62.9   4.9   83.7   92.7   10.0  
10.   Other 6.53   4,669   170   696   76.4   3.6   82.6   93.2   7.3  
 
11. Daily 4.57   26,178   1,339   169   19.8   30.4   11.2   51.1   12.1  
12.   Mininal risk 3.91   1,636   7,665   166   30.9   .3   22.0   54.7   8.8  
13.   Low risk 4.30   3,973   1,174   266   12.6   39.8   10.9   46.9   18.7  
14.   Moderate risk 4.33   13,911   1,482   181   22.2   28.8   9.7   58.2   8.8  
15.   Other 5.79   5,003   982   90   18.6   18.1   12.2   46.9   19.6  
 
16. 2 to 30 days 5.25   16,829   830   477   32.4   34.2   13.7   83.7   9.4  
17.   Mininal risk 4.12   730   5,041   156   26.8   .0   2.1   100.0   15.7  
18.   Low risk 5.03   3,658   2,991   709   8.7   24.6   5.9   93.1   5.7  
19.   Moderate risk 6.08   5,189   733   684   44.8   24.0   17.5   79.4   8.7  
20.   Other 4.93   5,560   570   181   31.7   58.0   18.0   85.6   13.3  
 
21. 31 to 365 days 4.89   17,269   668   547   50.8   19.3   17.3   91.2   16.1  
22.   Mininal risk 4.15   1,410   795   759   45.1   .5   10.8   98.4   12.2  
23.   Low risk 4.64   3,250   1,031   361   55.2   24.9   6.9   97.4   9.3  
24.   Moderate risk 5.07   6,837   701   689   45.6   23.1   23.3   88.0   27.0  
25.   Other 6.62   3,424   627   321   58.9   20.2   26.0   96.1   12.1  
  Months  
26. More than 365 days 6.69   5,657   399   52   41.2   35.3   48.5   87.4   6.7  
27.   Mininal risk 4.24   165   521   36   96.6   2.1   3.8   86.1   9.6  
28.   Low risk 6.09   212   134   41   51.6   20.4   33.7   61.5   6.6  
29.   Moderate risk 5.72   1,938   285   46   43.7   27.5   33.2   82.4   10.1  
30.   Other 7.23   1,896   836   64   44.4   62.7   65.4   93.1   6.0  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 6.89   3,116   3.3   157   86.3   7.6   68.8   84.0   7.0  
32.   100 - 999 6.32   11,611   3.2   123   74.6   11.0   70.7   90.4   8.7  
33.   1,000 - 9,999 5.28   26,586   3.2   92   41.0   24.8   31.4   83.6   11.6  
34.   10,000+ 4.77   42,748   2.9   149   25.7   29.7   14.9   69.0   12.3  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 6.48   25,065   3.3   211   59.5   10.5   216   94.2   11.0  
36.   Other 4.69   58,996   3.0   93   31.1   30.8   1,096   69.9   11.4   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 1-5, 2005                          For immediate release
2. Commercial and industrial loans made by domestic banks1                            September 15, 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 5.48   54,253   332   687   52.3   15.0   41.8   82.5   12.7  
 2.   Mininal risk 4.11   2,279   743   279   60.4   1.5   26.3   64.8   26.3  
 3.   Low risk 4.98   8,530   688   563   38.5   21.2   18.1   82.7   10.9  
 4.   Moderate risk 5.60   23,440   381   732   44.0   12.5   40.2   77.5   16.8  
 5.   Other 6.48   10,686   219   836   75.4   18.0   63.5   94.0   10.4  
 
 6. Zero interval 6.01   17,298   199   657   64.0   9.9   78.2   91.7   8.4  
 7.   Mininal risk 5.00   202   220   652   55.1   9.5   51.5   91.9   13.4  
 8.   Low risk 5.12   1,319   334   620   57.4   12.5   57.1   89.6   11.7  
 9.   Moderate risk 6.13   6,328   209   729   63.6   5.0   83.1   92.5   9.6  
10.   Other 6.49   4,528   167   675   77.6   3.7   82.0   93.0   7.0  
 
11. Daily 4.83   10,480   596   372   30.5   14.1   25.3   47.6   20.3  
12.   Mininal risk 3.90   1,124   9,883   122   33.4   .4   32.1   34.1   19.4  
13.   Low risk 4.59   2,135   669   343   22.1   29.1   20.4   46.5   22.8  
14.   Moderate risk 4.76   6,121   718   414   22.1   13.9   18.4   42.9   22.1  
15.   Other 6.54   922   203   401   91.3   .2   59.8   88.9   14.5  
 
16. 2 to 30 days 6.05   8,833   471   791   45.3   11.0   22.4   93.0   9.1  
17.   Mininal risk 4.37   217   2,766   309   90.0   .0   6.6   100.0   51.6  
18.   Low risk 5.56   2,306   2,609   893   8.8   15.2   7.5   98.3   7.2  
19.   Moderate risk 6.97   3,331   507   1,004   42.6   6.6   25.7   93.0   7.4  
20.   Other 6.03   1,596   173   481   84.8   20.1   48.7   98.4   13.6  
 
21. 31 to 365 days 4.62   12,626   527   550   59.4   15.6   18.2   90.2   19.7  
22.   Mininal risk 4.05   558   345   260   93.4   1.3   20.2   95.9   29.2  
23.   Low risk 4.63   2,541   914   364   68.2   24.4   4.3   97.2   9.2  
24.   Moderate risk 5.07   5,677   623   680   46.6   17.5   26.5   87.3   30.5  
25.   Other 6.07   1,663   345   453   85.8   15.0   26.3   96.0   18.7  
  Months  
26. More than 365 days 6.33   4,712   336   53   49.5   42.4   43.4   84.9   7.7  
27.   Mininal risk 4.24   165   521   36   96.6   2.1   3.8   86.1   9.6  
28.   Low risk 6.09   212   134   41   51.6   20.4   33.7   61.5   6.6  
29.   Moderate risk 5.72   1,938   285   46   43.7   27.5   33.2   82.4   10.1  
30.   Other 7.23   1,896   838   64   44.4   62.7   65.4   93.1   6.0  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 6.90   3,082   3.3   158   86.8   7.4   69.1   83.9   7.0  
32.   100 - 999 6.37   10,968   3.2   124   76.9   9.4   72.9   90.5   8.6  
33.   1,000 - 9,999 5.59   16,268   3.2   125   57.9   15.7   44.9   90.9   12.6  
34.   10,000+ 4.83   23,934   2.7   213   32.7   18.2   21.8   72.9   16.0  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 6.33   22,667   3.3   186   64.4   10.2   198   93.6   11.6  
36.   Other 4.88   31,586   2.8   151   43.5   18.5   644   74.5   13.7   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, AUGUST 1-5, 2005                          For immediate release
3. Commercial and industrial loans made by large domestic banks1                      September 15, 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 5.32   47,971   517   692   47.6   16.4   39.2   82.4   13.8  
 2.   Mininal risk 3.99   2,055   2,557   245   57.7   1.3   27.0   63.3   27.5  
 3.   Low risk 4.76   7,625   1,720   562   33.8   23.0   12.2   84.3   11.3  
 4.   Moderate risk 5.44   20,868   719   726   38.7   13.2   36.7   76.2   18.4  
 5.   Other 6.42   9,431   276   865   74.3   19.9   60.9   95.2   11.2  
 
 6. Zero interval 5.88   14,824   254   681   61.4   11.1   77.4   92.0   8.5  
 7.   Mininal risk 4.64   152   352   702   54.2   8.0   50.0   91.2   12.3  
 8.   Low risk 4.70   1,036   620   683   53.8   15.7   47.8   89.3   12.4  
 9.   Moderate risk 6.02   5,247   298   744   60.1   5.6   83.1   93.4   9.5  
10.   Other 6.43   3,830   201   714   78.1   3.8   79.9   92.8   7.6  
 
11. Daily 4.62   9,615   1,080   363   24.9   14.9   19.1   44.9   22.9  
12.   Mininal risk 3.90   1,123   10,324   122   33.4   .4   32.0   34.1   19.4  
13.   Low risk 4.20   1,883   1,268   324   14.0   33.0   9.8   45.7   26.1  
14.   Moderate risk 4.59   5,676   1,648   405   16.3   14.2   13.0   38.6   25.7  
15.   Other 6.48   774   263   418   90.0   .1   52.2   94.1   15.9  
 
16. 2 to 30 days 6.06   7,626   560   871   37.2   12.3   19.0   92.5   10.5  
17.   Mininal risk 4.35   212   3,341   313   91.2   .0   6.1   100.0   51.7  
18.   Low risk 5.54   2,263   3,893   896   7.4   15.2   6.5   99.1   7.3  
19.   Moderate risk 7.03   2,972   713   1,081   36.2   6.9   18.8   92.6   8.3  
20.   Other 5.91   1,421   194   502   83.4   21.8   42.8   99.4   14.8  
 
21. 31 to 365 days 4.46   11,744   1,669   556   57.0   16.5   17.9   91.5   20.4  
22.   Mininal risk 3.82   418   2,937   252   92.1   1.8   24.7   99.8   32.6  
23.   Low risk 4.44   2,332   4,629   352   67.1   25.9   2.7   98.7   9.4  
24.   Moderate risk 4.94   5,375   2,279   692   43.9   18.2   26.8   88.0   31.8  
25.   Other 6.02   1,614