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 13, 2005
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 7-11, 2005                       For immediate release
1. Commercial and industrial loans made by all commercial banks1                       December 13, 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 5.95   51,525   393   502   44.9   22.4   33.8   78.8   11.4  
 2.   Minimal risk 4.82   1,924   764   890   53.0   22.9   17.6   85.4   4.4  
 3.   Low risk 4.98   8,186   917   366   16.1   31.7   13.3   68.4   10.1  
 4.   Moderate risk 5.96   19,364   403   584   47.5   23.5   36.2   82.1   12.3  
 5.   Other 6.47   15,865   371   374   53.2   12.4   37.9   81.4   12.6  
 
 6. Zero interval 6.70   11,686   213   670   58.1   6.0   73.7   90.6   10.6  
 7.   Minimal risk 5.23   168   255   774   50.8   2.7   65.9   98.7   7.0  
 8.   Low risk 5.32   1,447   587   412   25.3   .4   30.1   90.4   10.1  
 9.   Moderate risk 6.84   4,280   231   667   54.0   3.8   80.8   94.3   12.1  
10.   Other 7.34   3,130   162   746   78.3   3.1   81.3   87.4   10.3  
 
11. Daily 5.72   17,074   569   252   27.3   27.7   22.4   62.2   11.4  
12.   Minimal risk 5.33   392   734   287   37.0   5.8   49.4   61.3   3.7  
13.   Low risk 4.73   4,574   1,627   143   8.1   40.7   8.9   53.2   8.4  
14.   Moderate risk 5.72   5,722   432   462   46.3   32.4   35.1   67.7   13.2  
15.   Other 6.61   4,950   578   102   19.6   3.5   14.5   66.1   12.3  
 
16. 2 to 30 days 5.45   13,148   693   506   42.7   31.6   14.5   85.9   9.5  
17.   Minimal risk 4.51   1,012   4,780   1,138   54.6   37.5   1.7   93.6   1.1  
18.   Low risk 4.96   1,341   1,347   601   25.1   39.6   4.7   84.5   16.7  
19.   Moderate risk 5.44   6,547   1,012   500   41.9   27.4   12.6   87.8   10.9  
20.   Other 5.91   3,375   387   294   47.3   32.8   22.8   84.4   6.8  
 
21. 31 to 365 days 6.05   6,257   407   392   61.9   16.4   32.6   86.0   15.8  
22.   Minimal risk 4.88   183   332   369   37.6   18.0   3.0   83.2   16.7  
23.   Low risk 5.96   518   312   843   22.0   16.2   23.2   92.5   5.8  
24.   Moderate risk 6.37   1,525   262   685   56.5   17.3   18.3   81.2   17.2  
25.   Other 5.98   3,568   1,134   231   74.9   14.4   44.1   91.3   17.5  
  Months  
26. More than 365 days 6.37   2,977   309   49   66.2   25.9   28.7   79.0   14.4  
27.   Minimal risk 4.98   167   300   34   99.5   .5   6.6   82.3   12.3  
28.   Low risk 6.50   190   195   84   67.6   1.0   30.3   73.6   6.1  
29.   Moderate risk 6.23   1,234   347   39   47.0   37.6   33.3   76.6   11.4  
30.   Other 6.87   748   372   57   88.7   9.9   42.8   93.9   23.2  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 7.47   2,485   3.4   142   88.5   8.0   69.2   85.4   7.8  
32.   100 - 999 7.01   8,752   3.3   128   75.4   11.4   68.5   88.8   9.9  
33.   1,000 - 9,999 5.97   17,824   3.3   118   44.2   21.5   34.9   83.6   12.6  
34.   10,000+ 5.35   22,465   3.1   60   28.7   29.1   15.5   70.4   11.6  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 7.11   17,415   3.4   74   68.9   5.9   195   92.1   10.6  
36.   Other 5.36   34,110   3.1   107   32.6   30.9   819   72.0   12.0   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 7-11, 2005                       For immediate release
2. Commercial and industrial loans made by domestic banks1                             December 13, 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 6.24   33,754   267   690   59.1   11.8   47.8   86.7   12.6  
 2.   Minimal risk 5.21   804   344   570   50.9   6.8   41.9   72.9   7.3  
 3.   Low risk 5.28   4,186   507   592   28.1   15.6   24.4   75.6   15.0  
 4.   Moderate risk 6.20   14,481   312   757   51.1   10.6   45.1   87.7   12.5  
 5.   Other 6.70   9,140   224   608   85.7   6.4   57.9   92.7   14.0  
 
 6. Zero interval 6.68   11,299   208   659   58.6   6.2   73.1   90.3   10.0  
 7.   Minimal risk 5.23   168   255   774   50.8   2.7   65.9   98.7   7.0  
 8.   Low risk 5.30   1,431   586   397   24.6   .4   30.2   90.3   10.2  
 9.   Moderate risk 6.82   4,025   220   643   56.1   4.0   79.6   94.0   11.0  
10.   Other 7.34   3,013   158   743   78.0   3.2   81.2   86.9   10.0  
 
11. Daily 6.08   7,506   263   560   49.9   15.9   46.5   74.6   14.8  
12.   Minimal risk 5.40   325   632   235   27.3   6.9   59.6   53.4   4.8  
13.   Low risk 5.05   1,496   574   338   20.2   17.4   27.3   50.8   26.0  
14.   Moderate risk 6.14   4,004   314   683   51.8   15.6   47.2   78.8   15.1  
15.   Other 7.18   831   105   441   90.6   6.1   59.4   86.1   9.5  
 
16. 2 to 30 days 5.72   7,137   411   689   52.2   13.4   22.7   95.9   10.7  
17.   Minimal risk 5.19   41   419   477   55.3   .0   42.2   96.4   4.6  
18.   Low risk 5.14   655   882   725   44.7   38.3   9.7   91.6   20.1  
19.   Moderate risk 5.54   4,026   685   773   41.6   5.4   19.2   96.0   10.3  
20.   Other 6.36   1,752   214   519   78.4   20.4   31.0   99.1   9.0  
 
21. 31 to 365 days 6.18   4,585   319   450   80.3   4.2   38.0   87.8   18.2  
22.   Minimal risk 4.94   100   201   395   43.6   26.8   4.2   69.5   6.0  
23.   Low risk 6.13   298   203   994   33.8   6.6   19.2   86.9   5.8  
24.   Moderate risk 6.53   1,145   208   822   67.8   5.2   19.5   78.9   20.7  
25.   Other 6.03   2,706   980   258   96.1   .2   51.8   96.5   19.8  
  Months  
26. More than 365 days 6.42   2,858   298   49   68.9   27.0   29.7   78.1   14.6  
27.   Minimal risk 4.98   167   300   34   99.5   .5   6.6   82.3   12.3  
28.   Low risk 6.50   190   195   84   67.6   1.0   30.3   73.6   6.1  
29.   Moderate risk 6.23   1,234   347   39   47.0   37.6   33.3   76.6   11.4  
30.   Other 6.87   748   372   57   88.7   9.9   42.8   93.9   23.2  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 7.47   2,459   3.4   143   89.0   7.8   69.3   85.5   7.8  
32.   100 - 999 7.08   8,081   3.3   135   79.4   8.3   71.6   89.0   9.7  
33.   1,000 - 9,999 6.29   11,417   3.2   160   59.8   12.1   47.2   91.6   14.3  
34.   10,000+ 5.36   11,798   3.1   105   38.2   14.8   27.6   80.7   14.1  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 7.08   16,141   3.4   78   72.0   5.6   183   91.6   10.4  
36.   Other 5.48   17,613   3.1   185   47.2   17.5   461   82.2   14.9   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 7-11, 2005                       For immediate release
3. Commercial and industrial loans made by large domestic banks1                       December 13, 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 6.07   29,784   419   646   55.3   12.6   45.3   88.0   13.3  
 2.   Minimal risk 4.79   666   1,376   443   42.1   8.1   37.5   78.3   7.9  
 3.   Low risk 5.04   3,721   1,204   514   21.8   17.2   19.3   75.2   15.8  
 4.   Moderate risk 6.04   12,888   588   740   46.8   11.4   41.2   88.7   13.1  
 5.   Other 6.55   8,066   296   520   84.4   6.2   56.1   94.6   14.9  
 
 6. Zero interval 6.56   9,870   279   666   54.5   6.3   71.4   90.7   10.3  
 7.   Minimal risk 5.01   155   813   516   47.2   3.0   63.6   98.6   7.6  
 8.   Low risk 5.06   1,283   1,315   392   19.3   .4   23.6   90.7   10.6  
 9.   Moderate risk 6.71   3,446   353   667   51.7   4.5   78.3   95.1   11.4  
10.   Other 7.25   2,570   197   773   75.1   1.4   78.9   87.7   10.4  
 
11. Daily 5.89   6,675   410   572   45.1   17.6   41.6   73.8   15.6  
12.   Minimal risk 4.80   265   1,978   218   10.8   8.5   50.4   57.8   5.4  
13.   Low risk 4.89   1,404   1,109   342   15.6   18.5   22.9   48.9   28.1  
14.   Moderate risk 6.00   3,605   536   682   48.3   17.3   42.9   77.9   15.6  
15.   Other 6.89   628   142   492   88.7   6.7   47.2   87.1   10.6  
 
16. 2 to 30 days 5.63   6,668   506   720   50.7   13.6   19.4   96.0   11.0  
17.   Minimal risk 5.09   39   422   464   53.2   .0   39.4   96.2   4.9  
18.   Low risk 5.11   609   1,148   781   44.8   40.4   9.2   91.0   19.3  
19.   Moderate risk 5.43   3,820   1,020   795   38.9   5.3   15.3   96.1   10.9  
20.   Other 6.28   1,653   231   532   77.1   21.5   27.1   99.1   9.1  
 
21. 31 to 365 days 5.94   3,960   1,600   332   79.1   4.0   38.0   93.0   19.3  
22.   Minimal risk 4.76   75   1,800   448   35.5   36.0   2.6   64.0   6.3  
23.   Low risk 5.82   234   1,118   1,193   17.5   4.7   7.2   91.0   4.8  
24.   Moderate risk 6.14   889   1,256   507   61.1   4.3   9.4   87.3   22.6  
25.   Other 5.93   2,525