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 21, 2006
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 6-10, 2006                       For immediate release
1. Commercial and industrial loans made by all commercial banks1                          March 21, 2006
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 6.32   69,684   429   551   37.8   28.6   27.3   79.0   10.9  
 2.   Minimal risk 5.28   2,176   636   254   28.7   31.8   12.8   70.7   8.8  
 3.   Low risk 5.42   12,850   1,000   331   14.9   50.8   9.5   74.1   7.7  
 4.   Moderate risk 6.14   26,037   442   537   35.4   23.1   25.6   73.1   10.8  
 5.   Other 7.31   17,256   349   641   59.0   20.8   39.5   86.4   16.6  
 
 6. Zero interval 7.21   17,067   183   706   62.6   8.3   72.3   90.4   9.3  
 7.   Minimal risk 6.77   220   199   635   82.3   11.2   64.3   88.9   10.3  
 8.   Low risk 6.53   1,262   230   735   68.9   2.6   50.8   86.7   9.4  
 9.   Moderate risk 7.24   6,261   198   711   58.6   3.4   73.0   92.8   11.3  
10.   Other 7.84   4,402   150   810   71.5   3.6   79.4   89.6   8.1  
 
11. Daily 5.63   17,118   1,085   202   12.4   33.6   8.6   49.5   13.1  
12.   Minimal risk 4.94   1,483   3,547   50   4.6   40.0   5.7   60.0   10.9  
13.   Low risk 5.25   4,449   2,027   105   6.5   43.9   7.2   41.7   19.0  
14.   Moderate risk 5.49   8,726   1,127   220   14.5   32.7   8.1   48.5   13.3  
15.   Other 7.36   2,241   475   395   20.6   13.6   13.1   56.9   6.7  
 
16. 2 to 30 days 5.70   21,446   1,038   519   25.1   41.0   6.1   85.7   6.3  
17.   Minimal risk 5.09   244   605   875   65.4   11.9   .5   95.4   1.0  
18.   Low risk 5.13   5,631   3,402   340   6.8   66.5   1.5   92.8   4.0  
19.   Moderate risk 5.74   7,684   1,104   574   37.3   25.5   6.7   79.6   8.8  
20.   Other 6.12   3,734   440   471   38.9   41.6   11.0   82.5   8.1  
 
21. 31 to 365 days 6.83   9,439   518   459   64.8   21.8   16.0   91.3   21.7  
22.   Minimal risk 6.22   194   173   337   94.1   18.6   19.8   97.4   7.6  
23.   Low risk 6.03   1,220   549   435   23.1   59.0   5.7   89.1   4.6  
24.   Moderate risk 6.44   1,750   270   618   48.2   28.9   12.5   82.4   8.6  
25.   Other 7.28   4,952   1,384   232   85.4   11.1   22.2   97.4   34.2  
  Months  
26. More than 365 days 7.52   4,415   365   56   41.7   42.5   52.0   89.7   9.9  
27.   Minimal risk 6.94   27   77   47   93.9   33.6   45.4   86.4   3.0  
28.   Low risk 6.55   284   223   59   30.0   28.0   33.9   91.0   7.8  
29.   Moderate risk 6.99   1,551   297   46   33.1   28.5   41.5   88.3   12.6  
30.   Other 8.45   1,862   806   66   44.7   54.8   79.0   92.5   8.9  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 8.01   2,948   3.3   154   84.1   8.0   72.9   84.5   8.2  
32.   100 - 999 7.47   10,086   3.3   141   73.9   11.4   67.4   91.6   9.8  
33.   1,000 - 9,999 6.51   20,046   3.3   132   46.0   24.4   31.8   89.0   12.2  
34.   10,000+ 5.77   36,604   3.0   116   19.6   37.3   10.2   69.6   10.6  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 7.78   19,040   3.5   220   64.6   12.6   165   92.3   11.5  
36.   Other 5.78   50,644   3.0   91   27.7   34.6   1,081   74.0   10.5   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 6-10, 2006                       For immediate release
2. Commercial and industrial loans made by domestic banks1                                March 21, 2006
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 6.69   46,208   291   656   50.4   15.1   40.0   80.4   14.6  
 2.   Minimal risk 5.38   1,685   510   187   25.1   25.7   16.4   62.7   12.5  
 3.   Low risk 5.77   5,790   469   498   26.1   18.0   20.7   66.9   17.1  
 4.   Moderate risk 6.45   18,790   326   657   41.5   12.1   34.1   75.3   12.7  
 5.   Other 7.66   12,638   261   772   74.8   12.9   53.1   93.5   19.7  
 
 6. Zero interval 7.24   16,151   174   690   62.4   8.5   73.9   89.9   9.5  
 7.   Minimal risk 6.75   213   195   603   84.9   11.6   66.5   88.5   10.3  
 8.   Low risk 6.90   963   178   783   60.4   3.4   65.7   82.5   12.4  
 9.   Moderate risk 7.22   6,059   193   699   58.1   3.4   72.3   92.5   11.3  
10.   Other 7.84   4,273   147   788   72.0   3.7   80.0   89.3   8.0  
 
11. Daily 5.62   9,479   630   317   17.7   19.8   15.0   46.2   22.5  
12.   Minimal risk 4.99   1,253   3,089   56   3.1   31.3   6.7   52.6   14.7  
13.   Low risk 5.35   2,218   1,069   171   12.9   23.1   14.3   42.8   36.5  
14.   Moderate risk 5.61   5,415   733   324   15.5   18.0   12.3   41.3   21.5  
15.   Other 7.97   521   116   1,515   88.7   .3   56.5   90.2   12.0  
 
16. 2 to 30 days 6.07   9,155   483   673   46.0   14.5   13.6   86.1   10.4  
17.   Minimal risk 5.20   30   91   193   81.9   8.0   3.9   94.3   4.2  
18.   Low risk 5.29   1,918   1,345   559   17.4   19.8   4.3   79.6   9.8  
19.   Moderate risk 6.16   4,459   696   759   48.6   10.2   10.6   87.2   10.4  
20.   Other 6.88   1,565   195   674   80.0   18.8   25.3   93.6   11.7  
 
21. 31 to 365 days 7.09   7,194   405   380   74.5   9.6   20.8   91.7   27.8  
22.   Minimal risk 6.33   171   153   378   93.3   7.8   22.4   97.1   8.0  
23.   Low risk 7.07   418   194   602   53.5   11.4   16.7   84.5   13.8  
24.   Moderate risk 6.58   1,467   229   685   47.9   23.1   14.7   83.6   9.4  
25.   Other 7.41   4,369   1,298   197   86.9   3.6   25.0   98.6   38.0  
  Months  
26. More than 365 days 7.69   4,037   337   57   44.9   41.7   55.9   88.8   10.1  
27.   Minimal risk 7.96   18   50   55   97.6   3.6   63.6   78.8   .4  
28.   Low risk 6.59   270   214   60   30.4   25.5   34.4   90.5   7.7  
29.   Moderate risk 7.23   1,324   255   47   38.7   20.2   48.3   86.3   13.5  
30.   Other 8.46   1,845   804   66   44.2   55.3   78.9   92.4   8.9  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   1 - 99 8.02   2,931   3.3   155   84.2   7.9   73.0   84.4   8.2  
32.   100 - 999 7.51   9,566   3.3   144   76.2   10.3   69.3   92.0   9.7  
33.   1,000 - 9,999 6.76   14,688   3.3   164   55.3   17.8   40.9   92.7   14.1  
34.   10,000+ 6.01   19,023   3.1   192   28.5   16.6   19.6   64.4   19.8  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 7.77   18,491   3.5   224   64.9   12.7   161   92.1   11.6  
36.   Other 5.96   27,717   3.1   136   40.8   16.7   631   72.5   17.1   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, FEBRUARY 6-10, 2006                       For immediate release
3. Commercial and industrial loans made by large domestic banks1                          March 21, 2006
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 6.51   40,377   486   628   45.8   15.9   36.9   79.6   15.5  
 2.   Minimal risk 5.14   1,509   2,251   146   17.8   27.6   11.7   58.9   13.5  
 3.   Low risk 5.47   5,096   1,190   461   18.6   18.6   15.4   64.4   19.3  
 4.   Moderate risk 6.27   16,610   652   635   36.7   12.1   30.0   73.7   13.5  
 5.   Other 7.61   10,438   380   729   72.3   13.7   50.4   95.3   21.2  
 
 6. Zero interval 7.09   13,846   257   714   59.7   9.3   72.5   89.4   9.8  
 7.   Minimal risk 6.36   163   405   603   84.9   15.0   56.9   85.1   10.2  
 8.   Low risk 6.60   751   377   897   54.6   4.1   59.8   78.0   14.6  
 9.   Moderate risk 7.07   5,089   321   707   53.2   3.5   70.5   92.6   11.7  
10.   Other 7.72   3,480   228   848   72.5   3.3   76.6   88.9   8.1  
 
11. Daily 5.48   9,050   1,029   247   14.1   20.7   11.4   44.3   24.2  
12.   Minimal risk 4.97   1,246   11,339   55   2.9   31.5   6.3   52.4   14.9  
13.   Low risk 5.17   2,096   1,770   165   8.4   24.4   9.4   41.4   39.4  
14.   Moderate risk 5.53   5,254   1,336   311   13.2   18.5   9.7   39.8   22.7  
15.   Other 7.82   391   128   282   86.4   .0   48.7   87.4   14.7  
 
16. 2 to 30 days 5.97   8,497   620   655   43.5   14.0   11.4   86.1   11.0  
17.   Minimal risk 5.72   7   112   329   83.3   .0   5.0   81.1   5.8  
18.   Low risk 5.21   1,841   2,806   551   15.6   19.0   4.0   78.9   10.0  
19.   Moderate risk 6.04   4,092   1,061   759   46.0   9.5   7.6   86.3   11.3  
20.   Other 6.82   1,405   212   564   78.1   17.9   21.9   97.8   12.4  
 
21. 31 to 365 days 6.90   5,603   1,844   391   70.7   8.7   14.6   92.7   32.0  
22.   Minimal risk 5.22   87   1,233   403   94.4   .4   4.5   98.1   9.0  
23.   Low risk 6.26   237   719   795   23.5   13.3   12.9   88.0   21.0  
24.   Moderate risk 6.24   1,125   1,505   748   43.6   18.9   6.0   83.2   11.2  
25.   Other 7.35   3,543