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, 2007
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FEDERAL RESERVE STATISTICAL RELEASE




E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 5-9, 2007                        For immediate release
1. Commercial and industrial loans made by all commercial banks1                       December 13, 2007
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 6.30   79,366   558   612   36.3   29.5   25.2   78.8   9.0  
 2.   Minimal risk 5.22   6,483   1,290   358   29.2   42.0   6.8   51.1   9.0  
 3.   Low risk 5.61   12,384   830   473   31.2   51.1   15.0   73.1   8.6  
 4.   Moderate risk 6.64   28,814   567   576   32.8   29.9   30.6   77.4   11.8  
 5.   Other 6.97   13,769   326   672   66.0   25.5   37.5   83.7   9.9  
 
 6. Zero interval 7.09   13,711   197   766   63.2   12.5   72.7   88.5   9.1  
 7.   Minimal risk 6.78   243   327   698   53.9   6.8   65.4   73.9   9.3  
 8.   Low risk 6.50   2,003   290   621   44.1   7.6   64.9   67.7   10.2  
 9.   Moderate risk 7.22   4,804   192   835   62.9   11.3   72.1   93.8   10.0  
10.   Other 7.70   3,091   142   639   78.9   11.1   79.6   95.2   9.4  
 
11. Daily 5.83   24,894   1,104   232   17.0   33.6   23.1   61.9   11.2  
12.   Minimal risk 4.86   3,276   4,868   75   8.9   23.7   4.6   27.1   3.6  
13.   Low risk 5.04   4,664   2,478   183   13.6   57.3   5.5   62.2   10.0  
14.   Moderate risk 6.31   11,091   1,281   168   18.9   31.5   37.5   65.7   15.7  
15.   Other 6.24   2,273   326   281   32.4   42.7   24.1   44.3   14.7  
 
16. 2 to 30 days 5.82   20,856   1,109   619   34.3   36.7   5.1   81.5   8.8  
17.   Minimal risk 5.69   1,159   3,473   435   77.6   43.3   1.0   63.9   14.9  
18.   Low risk 5.54   4,002   1,604   538   30.7   67.2   4.6   80.9   7.0  
19.   Moderate risk 5.94   5,914   1,020   536   40.6   42.4   7.7   72.9   13.7  
20.   Other 6.35   2,980   481   740   62.2   48.4   6.3   84.2   11.8  
 
21. 31 to 365 days 6.84   13,267   945   583   37.7   23.8   8.0   94.1   7.0  
22.   Minimal risk 5.23   1,462   910   804   28.9   85.0   2.6   97.3   8.9  
23.   Low risk 6.19   1,213   719   659   64.9   55.4   5.8   92.7   7.7  
24.   Moderate risk 7.82   4,422   819   495   22.4   14.0   3.6   90.1   7.2  
25.   Other 6.95   3,213   985   270   73.7   16.0   21.1   95.3   8.8  
  Months  
26. More than 365 days 6.89   6,441   418   60   57.4   37.8   32.1   82.9   7.6  
27.   Minimal risk 5.72   322   242   25   38.9   56.5   20.0   18.6   17.5  
28.   Low risk 6.97   424   226   63   77.7   16.3   11.7   85.3   5.8  
29.   Moderate risk 6.50   2,542   467   70   36.0   56.2   22.0   86.0   7.5  
30.   Other 7.56   2,163   657   53   77.2   10.9   58.4   90.9   7.6  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 7.88   2,857   3.2   223   84.2   9.1   68.6   85.2   8.3  
32.   100 - 999 7.36   9,974   3.2   249   76.4   14.1   63.7   89.8   8.9  
33.   1,000 - 9,999 6.36   21,747   3.1   173   46.7   27.8   28.2   87.0   10.2  
34.   10,000+ 5.93   44,788   2.7   97   19.3   35.1   12.3   72.0   8.4  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 7.65   19,980   3.2   143   59.8   7.8   211   90.8   7.9  
36.   Other 5.85   59,386   2.7   141   28.4   36.8   1,252   74.8   9.5   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 5-9, 2007                        For immediate release
2. Commercial and industrial loans made by domestic banks1                             December 13, 2007
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 6.87   46,529   338   728   52.5   16.5   41.3   85.2   10.9  
 2.   Minimal risk 5.62   2,448   514   347   59.5   22.9   17.2   39.5   26.0  
 3.   Low risk 6.07   5,512   396   725   46.5   16.0   30.9   73.2   14.8  
 4.   Moderate risk 7.06   21,085   426   653   38.0   15.6   41.0   88.7   10.7  
 5.   Other 7.38   10,279   250   804   78.0   11.7   48.6   95.6   10.3  
 
 6. Zero interval 7.08   13,104   190   753   63.5   12.2   73.9   88.5   9.2  
 7.   Minimal risk 6.52   194   283   451   58.7   8.5   75.7   67.2   10.0  
 8.   Low risk 6.54   1,749   262   573   46.6   3.8   69.0   66.9   11.0  
 9.   Moderate risk 7.21   4,710   190   824   62.7   11.5   71.9   93.7   10.0  
10.   Other 7.67   2,885   134   616   77.9   11.0   81.7   94.8   9.6  
 
11. Daily 6.71   10,899   507   337   30.0   13.5   49.1   75.8   14.9  
12.   Minimal risk 5.25   867   1,417   238   30.9   1.2   16.5   17.9   16.8  
13.   Low risk 5.30   1,577   964   399   37.0   31.8   12.2   53.0   31.0  
14.   Moderate risk 7.03   6,932   828   250   19.3   8.3   59.2   83.5   12.9  
15.   Other 7.69   920   136   631   65.6   20.4   57.6   97.0   15.9  
 
16. 2 to 30 days 6.26   8,565   511   791   60.5   16.1   11.7   83.3   13.1  
17.   Minimal risk 5.80   649   2,587   256   88.7   22.5   1.7   35.6   35.6  
18.   Low risk 6.10   1,178   548   955   49.7   8.8   15.5   93.9   10.7  
19.   Moderate risk 6.30   3,566   678   653   57.4   14.1   11.9   86.7   14.2  
20.   Other 6.84   1,590   277   1,113   83.2   22.2   9.8   97.3   13.6  
 
21. 31 to 365 days 7.40   7,459   568   276   52.3   10.4   14.2   96.9   9.0  
22.   Minimal risk 5.51   411   265   275   85.8   53.7   9.1   90.3   31.7  
23.   Low risk 6.13   519   344   706   49.5   16.5   13.5   97.1   10.9  
24.   Moderate risk 8.12   3,339   646   199   21.9   6.9   4.8   96.8   6.4  
25.   Other 7.12   2,717   879   231   79.3   5.6   24.9   98.2   9.1  
  Months  
26. More than 365 days 6.90   6,308   411   59   58.4   37.5   32.4   83.1   7.7  
27.   Minimal risk 5.77   307   231   24   40.9   54.3   21.0   19.5   17.5  
28.   Low risk 7.01   411   219   62   77.1   13.7   12.0   84.8   6.1  
29.   Moderate risk 6.50   2,496   460   68   36.6   57.2   22.4   85.8   7.6  
30.   Other 7.58   2,118   647   53   78.9   9.1   58.8   91.6   7.7  
Size of loan
($ thousands)		   Weighted-
average risk
rating3		 Weighted-
average
maturity/
repricing
interval2		  
  Days  
31.   3 - 99 7.88   2,829   3.2   225   84.5   8.9   68.6   85.1   8.3  
32.   100 - 999 7.42   9,331   3.2   264   79.0   12.2   66.4   89.7   8.8  
33.   1,000 - 9,999 6.63   14,383   3.2   224   58.5   18.6   39.8   88.6   11.5  
34.   10,000+ 6.63   19,986   2.9   196   31.3   18.0   26.7   80.6   11.9  
    Base rate of loan7   Average size
($ thousands)		  
35.   Prime8 7.63   19,197   3.3   146   60.9   7.7   205   90.4   7.7  
36.   Other 6.33   27,332   3.0   272   46.7   22.6   627   81.5   13.3   
...  The number of loans was insufficient to provide a meaningful value.
E.2 SURVEY OF TERMS OF BUSINESS LENDING, NOVEMBER 5-9, 2007                        For immediate release
3. Commercial and industrial loans made by large domestic banks1                       December 13, 2007
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 6.75   38,394   516   617   46.5   19.0   38.1   86.9   12.0  
 2.   Minimal risk 5.18   1,673   1,824   262   41.1   32.9   13.6   50.2   28.5  
 3.   Low risk 5.79   4,188   592   685   42.2   20.9   21.2   74.0   18.2  
 4.   Moderate risk 6.97   17,857   734   557   29.8   17.3   38.3   88.8   11.7  
 5.   Other 7.25   8,088   374   562   77.1   13.0   43.7   97.5   11.3  
 
 6. Zero interval 6.97   10,653   237   822   63.0   14.5   71.6   90.0   9.6  
 7.   Minimal risk 6.38   169   331   477   53.0   9.8   74.1   63.5   8.1  
 8.   Low risk 6.59   1,167   255   745   54.3   5.6   56.2   76.9   12.7  
 9.   Moderate risk 7.09   3,880   258   894   59.5   13.6   69.5   94.1   10.8  
10.   Other 7.50   2,043   170   616   80.5   13.1   78.8   96.0   10.0  
 
11. Daily 6.58   9,721   918   305   22.7   14.9   45.0   74.9   16.1  
12.   Minimal risk 4.90   691   6,127   83   13.6   .2   13.4   14.9   23.0  
13.   Low risk 5.19   1,501   2,164   380   34.5   33.1   8.2   51.5   32.9  
14.   Moderate risk 6.94   6,386   1,682   238   13.2   9.0   56.3   82.8   13.6  
15.   Other 7.43   594   208   690   54.2   30.4   38.6   98.0   19.9  
 
16. 2 to 30 days 6.04   6,594   573   611   52.2   20.7   7.0   86.9   14.9  
17.   Minimal risk 5.18   221   2,319   266   66.8   66.1   1.2   99.3   36.2  
18.   Low risk 5.87   921   733   893   40.4   11.3   8.4   92.8   12.9  
19.   Moderate risk 6.03   2,722   883   620   47.1   18.4   3.9   86.5   16.5  
20.   Other 6.64   1,213   292   275   84.5   28.3   6.8   99.2   16.2  
 
21. 31 to 365 days 7.40   6,657   1,783   274   48.4   11.5   12.0   98.6   9.6  
22.   Minimal risk 5.20   355   2,326   279   84.8   61.9   2.0   99.4   32.9  
23.   Low risk 5.57   348   1,234   959   38.4   24.6   3.4   98.0   14.7  
24.   Moderate risk 8.28   2,932   2,371   177   12.9   7.7   2.7   98.3   6.7  
25.   Other 7.10   2,669   1,598   230   79.1   5.7   24.9   99.1   9.2  
  Months  
26. More than 365 days 6.66   4,647   1,391