Guide to special tables and statistical releases.
SPECIAL TABLES--Data Published Irregularly, with Latest Bulletin
Reference
Title and Date Issue Page
Assets and liabilities of commercial
banks
September 30, 2001 February 2002 A64
December 31, 2001 May 2002 A64
March 31, 2002 August 2002 A58
June 30, 2002 November 2002 A58
Terms of lending at commercial banks
November 2001 February 2002 A66
February 2002 May 2002 A66
May 2002 August 2002 A60
August 2002 November 2002 A60
Assets and liabilities of U.S.
branches and agencies of foreign
banks
September 30, 2001 March 2002 A65
December 31, 2001 May 2002 A72
March 31, 2002 August 2002 A66
June 30, 2002 November 2002 A66
Pro forma financial statements for
Federal Reserve priced services *
March 31, 2001 August 2001 A76
June 30, 2001 October 2001 A64
September 30, 2001 January 2002 A64
Residential lending reported under
the Home Mortgage Disclosure Act
2000 September 2001 A64
2001 September 2002 A58
Disposition of applications for
private mortgage insurance
2000 September 2001 A73
2001 September 2002 A69
Small loans to businesses and farms
2000 September 2001 A76
2001 September 2002 A70
Community development lending
reported under the Community
Reinvestment Act
2000 September 2001 A79
2001 September 2002 A58
STATISTICAL RELEASES--A List of Statistical Releases Published by the
Federal Reserve is Printed Semiannually in the Bulletin
Schedule of anticipated release
dates for periodic releases June 2002 A72
NOTE. The pro forma financial statements for Federal Reserve priced
services were discontinued in the Bulletin after the January 2002
issue. Year-end figures for 2001 are available in the Board's 88th
Annual Report, 2001 (http://www.federalreserve.gov/boarddocs/
rptcongress).
4.20 DOMESTIC AND FOREIGN OFFICES Insured Commercial Bank Assets and
Liabilities
Consolidated Report of Condition, June 30, 2002
Millions of dollars except as noted
Banks with
foreign
offices (1)
Domestic
Item Total total Total
1 Total assets 6,633,576 5,860,144 4,414,107
2 Cash and balances due
from depository
institutions 358,474 263,505 258,801
3 Cash items in process
of collection,
unposted debits,
and currency and
coin n.a. n.a. 118,003
4 Cash items in
process of
collection and
unposted debits n.a. n.a. n.a.
5 Currency and coin n.a. n.a. n.a.
6 Balances due from
depository
institutions in the
United States n.a. n.a. 27,400
7 Balances due from
banks in foreign
countries and
foreign central
banks n.a. n.a. 101,931
8 Balances due from
Federal Reserve
Banks n.a. n.a. 11,467
9 Total securities, held-
to-maturity (amortized
cost) and available-
for-sale (fair value) 1,212,007 n.a. 684,460
10 U.S. Treasury
securities 51,142 n.a. 29,963
11 U.S. government agency
and corporation
obligations (excludes
mortgage-backed
securities) 197,525 n.a. 72,605
12 Issued by U.S.
government agencies 7,509 n.a. 4,194
13 Issued by U.S.
government-sponsored
agencies 190,015 n.a. 68,411
14 Securities issued by
states and political
subdivisions in the
United States 97,845 n.a. 33,249
15 Mortgage-backed
securities (MBS) 651,095 n.a. 421,285
16 Pass-through
securities 433,100 n.a. 304,331
17 Guaranteed by GNMA 101,110 n.a. 65,852
18 Issued by FNMA and
FHLMC 321,191 n.a. 229,112
19 Other pass-through
securities 10,799 n.a. 9,367
20 Other mortgage-backed
securities (includes
CMOs, REMICs, and
stripped MBS) 217,995 n.a. 116,954
21 Issued or guaranteed
by FNMA, FHLMC or
GNMA 149,403 n.a. 80,353
22 Collateralized by
MBS issued or
guaranteed by
FNMA, FHLMC, or
GNMA 10,904 n.a. 9,225
23 All other mortgage-
backed securities 57,688 n.a. 27,377
24 Asset-backed securities 96,823 n.a. 44,823
25 Credit card receivables 34,705 n.a. 13,504
26 Home equity lines 28,834 n.a. 16,907
27 Automobile loans 13,417 n.a. 4,794
28 Other consumer loans 1,327 n.a. 832
29 Commercial and
industrial loans 7,047 n.a. 3,579
30 Other 11,493 n.a. 5,207
31 Other debt securities 97,292 n.a. 69,962
32 Other domestic debt
securities 35,612 n.a. 12,867
33 Foreign debt
securities 61,680 n.a. 57,096
34 Investments in mutual
funds and other
equity securities
with readily
determinable fair
value 20,285 n.a. 12,572
35 Federal funds sold and
securities purchased
under agreements to
resell 320,202 261,370 233,994
36 Federal funds sold in
domestic offices 152,710 152,710 83,176
37 Securities purchased
under agreements to
resell 167,492 108,659 150,818
38 Total loans and leases
(gross) and lease-
financing receivables
(net) 3,897,741 3,601,249 2,501,085
39 LESS: Unearned income on
loans 3,795 2,732 2,687
40 LESS: Loans and leases
held for sale 141,251 n.a. 110,157
41 Total loans and leases
(net of unearned income) 3,752,695 n.a. 2,388,241
42 LESS: Allowance for loan
and lease losses 72,121 n.a. 49,043
43 Loans and leases, net of
unearned income and
allowance 3,680,574 n.a. 2,339,198
Total loans and leases,
gross, by category
44 Loans secured by real
estate 1,869,890 1,837,039 1,035,819
45 Construction and land
development n.a. 196,544 n.a.
46 Farmland n.a. 36,960 n.a.
47 One- to four-family
residential properties n.a. 1,005,482 n.a.
48 Revolving, open-end
loans, extended
under lines of
credit n.a. 188,290 n.a.
Closed-end loans secured
by one- to four-family
residential properties
49 Secured by first liens n.a. 715,615 n.a.
50 Secured by junior liens n.a. 101,577 n.a.
51 Multifamily (five or
more) residential
properties n.a. 69,248 n.a.
52 Nonfarm nonresidential
properties n.a. 528,805 n.a.
53 Loans to depository
institutions and
acceptances of other
banks 123,690 98,959 114,676
54 Commercial banks in the
United States n.a. n.a. 79,796
55 Other depository
institutions in the
United States n.a. n.a. 10,199
56 Banks in foreign
countries n.a. n.a. 24,681
57 Loans to finance
agricultural production
and other loans to
farmers 47,339 46,761 11,045
58 Commercial and industrial
loans 930,723 788,317 687,827
59 U.S. addressees
(domicile) n.a. n.a. 551,742
60 Non-U.S. addressees
(domicile) n.a. n.a. 136,085
61 Loans to individuals for
household, family, and
other personal
expenditures (includes
purchased paper) 615,715 557,304 372,997
62 Credit cards 208,274 190,599 129,961
63 Other revolving credit
plans 36,615 25,240 30,180
64 Other consumer loans
(including single-
payment, installment,
and all student loans) 370,826 341,465 212,856
65 Obligations (other than
securities) of states
and political
subdivisions in the
United States
(includes nonrated
industrial development
obligations) 21,732 21,728 13,412
66 All other loans 124,619 94,672 114,241
67 Loans to foreign
governments and
official institutions 5,971 2,378 5,959
68 Other loans 118,648 92,294 108,282
69 Loans for purchasing
and carrying
securities n.a. n.a. n.a.
70 All other loans
(excludes consumer
loans) n.a. n.a. n.a.
71 Lease-financing
receivables 164,033 156,468 151,066
72 Trading assets 380,341 n.a. 374,038
73 Premises and fixed
assets (including
capitalized leases) 77,129 n.a. 45,429
74 Other real estate owned 4,086 n.a. 1,746
75 Investments in
unconsolidated
subsidiaries and
associated companies 8,413 n.a. 7,719
76 Customers' liability on
acceptances outstanding 5,797 n.a. 5,559
77 Net due from own foreign
offices, Edge Act and
agreement subsidiaries,
and IBFs n.a. n.a. n.a.
78 Intangible assets 126,149 n.a. 102,692
79 Goodwill 81,380 n.a. 64,847
80 Other intangible assets 44,769 n.a. 37,845
81 All other assets 319,152 n.a. 250,311
82 Total liabilities,
minority interest, and
equity capital 6,633,570 n.a. 4,414,107
83 Total liabilities 6,013,681 5,240,233 4,013,290
84 Total deposits 4,409,603 3,768,957 2,769,493
85 Individuals,
partnerships, and
corporations (include
all certified and
official checks) 3,984,801 3,515,437 2,464,674
86 U.S. government n.a. 15,460 n.a.
87 States and political
subdivisions in the
United States n.a. 182,392 n.a.
88 Commercial banks and
other depository
institutions in the
United States 99,721 46,571 81,814
89 Banks in foreign
countries 98,889 8,084 98,543
90 Foreign governments and
official institutions
(including foreign
central banks) 27,791 1,013 27,724
91 Total transaction
accounts n.a. 644,766 n.a.
92 Individuals,
partnerships, and
corporations
(include all
certified and
official checks) n.a. 545,980 n.a.
93 U.S. government n.a. 5,608 n.a.
94 States and political
subdivisions in the
United States n.a. 55,234 n.a.
95 Commercial banks and
other depository
institutions in the
United States n.a. 30,796 n.a.
96 Banks in foreign
countries n.a. 6,646 n.a.
97 Foreign governments
and official
institutions
(including foreign
central banks) n.a. 501 n.a.
98 Total demand deposits n.a. 491,281 n.a.
99 Total nontransaction
accounts n.a. 3,124,191 n.a.
100 Individuals,
partnerships, and
corporations
(include all
certified and
official checks) n.a. 2,969,457 n.a.
101 U.S. government n.a. 9,851 n.a.
102 States and political
subdivisions in the
United States n.a. 127,159 n.a.
103 Commercial banks and
other depository
institutions in the
United States n.a. 15,775 n.a.
104 Banks in foreign
countries n.a. 1,437 n.a.
105 Foreign governments
and official
institutions
(including foreign
central banks) n.a. 511 n.a.
106 Federal funds purchased
and securities sold
under agreements to
repurchase 507,389 455,107 399,587
107 Federal funds purchased
in domestic offices 200,416 200,416 145,904
108 Securities sold under
agreements to
repurchase 306,973 254,691 253,684
109 Trading liabilities 224,056 n.a. 223,378
110 Other borrowed money
(includes mortgage
indebtedness and
obligations under
capitalized leases) 545,580 507,585 341,742
111 Banks' liability on
acceptances executed
and outstanding 5,810 3,992 5,571
112 Subordinated notes and
debentures to deposits 93,084 n.a. 84,422
113 Net due to own foreign
offices, Edge Act and
agreement subsidiaries,
and IBFs n.a. n.a. n.a.
114 All other liabilities 228,159 n.a. 189,098
115 Minority interest in
consolidated
subsidiaries 11,112 n.a. 9,808
116 Total equity capital 608,777 n.a. 391,008
MEMO
117 Trading assets at large
banks (2) 380,287 192,863 374,010
118 U.S. Treasury
securities (domestic
offices) n.a. 26,430 n.a.
119 U.S. government agency
obligations
(excluding MBS) n.a. 14,405 n.a.
120 Securities issued by
states and political
subdivisions in the
United States n.a. 1,585 n.a.
121 Mortgage-backed
securities n.a. 8,999 n.a.
122 Other debt securities n.a. 32,161 n.a.
123 Other trading assets n.a. 23,458 n.a.
124 Trading assets in
foreign offices 112,750 0 112,750
125 Revaluation gains on
interest rate,
foreign exchange
rate, and other
commodity and equity
contracts 160,499 85,824 160,122
126 Total individual
retirement (IRA) and
Keogh plan accounts n.a. 165,040 n.a.
127 Total brokered deposits n.a. 226,376 n.a.
128 Fully insured brokered
deposits n.a. 161,076 n.a.
129 Issued in
denominations of
less than $100,000 n.a. 86,124 n.a.
130 Issued in
denominations of
$100,000, or in
denominations
greater than
$100,000 and
participated out by
the broker in
shares of $100,000
or less n.a. 74,952 n.a.
131 Money market deposit
accounts (MMDAs) n.a. 1,330,762 n.a.
132 Other savings deposits
(excluding MMDAs) n.a. 529,182 n.a.
133 Total time deposits of
less than $100,000 n.a. 719,536 n.a.
134 Total time deposits of
$100,000 or more n.a. 544,698 n.a.
135 Number of banks 7,944 7,944 131
Banks with
Banks with foreign domestic
offices (1) offices only (2)
Item Domestic Total
1 Total assets 3,640,675 2,219,469
2 Cash and balances due
from depository
institutions 163,832 99,673
3 Cash items in process
of collection,
unposted debits,
and currency and
coin 115,517 n.a.
4 Cash items in
process of
collection and
unposted debits 95,161 n.a.
5 Currency and coin 20,356 n.a.
6 Balances due from
depository
institutions in the
United States 24,105 n.a.
7 Balances due from
banks in foreign
countries and
foreign central
banks 12,811 n.a.
8 Balances due from
Federal Reserve
Banks 11,399 n.a.
9 Total securities, held-
to-maturity (amortized
cost) and available-
for-sale (fair value) n.a. 527,547
10 U.S. Treasury
securities n.a. 21,179
11 U.S. government agency
and corporation
obligations (excludes
mortgage-backed
securities) n.a. 124,920
12 Issued by U.S.
government agencies n.a. 3,316
13 Issued by U.S.
government-sponsore
agencies n.a. 121,604
14 Securities issued by
states and political
subdivisions in the
United States n.a. 64,596
15 Mortgage-backed
securities (MBS) n.a. 229,810
16 Pass-through
securities n.a. 128,769
17 Guaranteed by GNMA n.a. 35,258
18 Issued by FNMA and
FHLMC n.a. 92,079
19 Other pass-through
securities n.a. 1,432
20 Other mortgage-backed
securities (includes
CMOs, REMICs, and
stripped MBS) n.a. 101,041
21 Issued or guaranteed
by FNMA, FHLMC or
GNMA n.a. 69,050
22 Collateralized by
MBS issued or
guaranteed by
FNMA, FHLMC, or
GNMA n.a. 1,680
23 All other mortgage-
backed securities n.a. 30,311
24 Asset-backed securities n.a. 52,000
25 Credit card receivables n.a. 21,201
26 Home equity lines n.a. 11,927
27 Automobile loans n.a. 8,623
28 Other consumer loans n.a. 496
29 Commercial and
industrial loans n.a. 3,468
30 Other n.a. 6,285
31 Other debt securities n.a. 27,330
32 Other domestic debt
securities n.a. 22,745
33 Foreign debt
securities n.a. 4,585
34 Investments in mutual
funds and other
equity securities
with readily
determinable fair
value n.a. 7,713
35 Federal funds sold and
securities purchased
under agreements to
resell 175,162 86,208
36 Federal funds sold in
domestic offices 83,176 69,534
37 Securities purchased
under agreements to
resell 91,986 16,674
38 Total loans and leases
(gross) and lease-
financing receivables
(net) 2,204,593 1,396,656
39 LESS: Unearned income on
loans 1,624 1,108
40 LESS: Loans and leases
held for sale n.a. 31,094
41 Total loans and leases
(net of unearned income) n.a. 1,364,454
42 LESS: Allowance for loan
and lease losses n.a. 23,078
43 Loans and leases, net of
unearned income and
allowance n.a. 1,341,376
Total loans and leases,
gross, by category
44 Loans secured by real
estate 1,002,968 834,071
45 Construction and land
development 98,206 98,338
46 Farmland 6,841 30,119
47 One- to four-family
residential properties 624,970 380,511
48 Revolving, open-end
loans, extended
under lines of
credit 131,585 56,704
Closed-end loans secured
by one- to four-family
residential properties
49 Secured by first liens 432,703 282,912
50 Secured by junior liens 60,682 40,894
51 Multifamily (five or
more) residential
properties 35,483 33,765
52 Nonfarm nonresidential
properties 237,468 291,337
53 Loans to depository
institutions and
acceptances of other
banks 89,944 9,014
54 Commercial banks in the
United States 70,319 n.a.
55 Other depository
institutions in the
United States 10,189 n.a.
56 Banks in foreign
countries 9,436 n.a.
57 Loans to finance
agricultural production
and other loans to
farmers 10,468 36,293
58 Commercial and industrial
loans 545,421 242,896
59 U.S. addressees
(domicile) 535,975 n.a.
60 Non-U.S. addressees
(domicile) 9,446 n.a.
61 Loans to individuals for
household, family, and
other personal
expenditures (includes
purchased paper) 314,587 242,717
62 Credit cards 112,286 78,313
63 Other revolving credit
plans 18,806 6,435
64 Other consumer loans
(including single-
payment, installment,
and all student loans) 183,495 157,970
65 Obligations (other than
securities) of states
and political
subdivisions in the
United States
(includes nonrated
industrial development
obligations) 13,408 8,320
66 All other loans 84,294 10,378
67 Loans to foreign
governments and
official institutions 2,365 13
68 Other loans 81,929 10,365
69 Loans for purchasing
and carrying
securities 17,750 n.a.
70 All other loans
(excludes consumer
loans) 64,179 n.a.
71 Lease-financing
receivables 143,502 12,967
72 Trading assets n.a. 6,303
73 Premises and fixed
assets (including
capitalized leases) n.a. 31,700
74 Other real estate owned n.a. 2,340
75 Investments in
unconsolidated
subsidiaries and
associated companies n.a. 693
76 Customers' liability on
acceptances outstanding n.a. 238
77 Net due from own foreign
offices, Edge Act and
agreement subsidiaries,
and IBFs 36,862 n.a.
78 Intangible assets n.a. 23,456
79 Goodwill n.a. 16,533
80 Other intangible assets n.a. 6,924
81 All other assets n.a. 68,841
82 Total liabilities,
minority interest, and
equity capital n.a. 2,219,464
83 Total liabilities 3,239,842 2,000,391
84 Total deposits 2,128,847 1,640,110
85 Individuals,
partnerships, and
corporations (include
all certified and
official checks) 1,995,310 1,520,127
86 U.S. government 14,714 746
87 States and political
subdivisions in the
United States 81,476 100,916
88 Commercial banks and
other depository
institutions in the
United States 28,664 17,907
89 Banks in foreign
countries 7,737 347
90 Foreign governments and
official institutions
(including foreign
central banks) 946 67
91 Total transaction
accounts 340,015 304,751
92 Individuals,
partnerships, and
corporations
(include all
certified and
official checks) 279,020 266,960
93 U.S. government 5,145 463
94 States and political
subdivisions in the
United States 25,803 29,431
95 Commercial banks and
other depository
institutions in the
United States 23,096 7,700
96 Banks in foreign
countries 6,463 184
97 Foreign governments
and official
institutions
(including foreign
central banks) 488 14
98 Total demand deposits 298,904 192,376
99 Total nontransaction
accounts 1,788,832 1,335,359
100 Individuals,
partnerships, and
corporations
(include all
certified and
official checks) 1,716,291 1,253,167
101 U.S. government 9,568 283
102 States and political
subdivisions in the
United States 55,673 71,486
103 Commercial banks and
other depository
institutions in the
United States 5,567 10,208
104 Banks in foreign
countries 1,274 163
105 Foreign governments
and official
institutions
(including foreign
central banks) 458 53
106 Federal funds purchased
and securities sold
under agreements to
repurchase 347,306 107,802
107 Federal funds purchased
in domestic offices 145,904 54,513
108 Securities sold under
agreements to
repurchase 201,402 53,289
109 Trading liabilities n.a. 679
110 Other borrowed money
(includes mortgage
indebtedness and
obligations under
capitalized leases) 303,747 203,838
111 Banks' liability on
acceptances executed
and outstanding 3,754 238
112 Subordinated notes and
debentures to deposits n.a. 8,662
113 Net due to own foreign
offices, Edge Act and
agreement subsidiaries,
and IBFs 109,181 n.a.
114 All other liabilities n.a. 39,061
115 Minority interest in
consolidated
subsidiaries n.a. 1,304
116 Total equity capital n.a. 217,769
MEMO
117 Trading assets at large
banks (2) 186,585 6,277
118 U.S. Treasury
securities (domestic
offices) 26,338 92
119 U.S. government agency
obligations
(excluding MBS) 13,982 423
120 Securities issued by
states and political
subdivisions in the
United States 1,300 285
121 Mortgage-backed
securities 6,108 2,891
122 Other debt securities 31,534 627
123 Other trading assets 21,875 1,583
124 Trading assets in
foreign offices 0 0
125 Revaluation gains on
interest rate,
foreign exchange
rate, and other
commodity and equity
contracts 85,447 377
126 Total individual
retirement (IRA) and
Keogh plan accounts 75,965 89,075
127 Total brokered deposits 97,366 129,010
128 Fully insured brokered
deposits 64,288 96,788
129 Issued in
denominations of
less than $100,000 28,925 57,199
130 Issued in
denominations of
$100,000, or in
denominations
greater than
$100,000 and
participated out by
the broker in
shares of $100,000
or less 35,363 39,589
131 Money market deposit
accounts (MMDAs) 867,924 462,838
132 Other savings deposits
(excluding MMDAs) 313,079 216,103
133 Total time deposits of
less than $100,000 311,919 407,617
134 Total time deposits of
$100,000 or more 295,910 248,788
135 Number of banks n.a. 7,813
NOTE. The notation "n.a." indicates the lesser detail available from
banks that do not have foreign offices, the inapplicability of certain
items to banks that have only domestic offices, or the absence of
detail on a fully consolidated basis for banks that have foreign
offices.
(1.) All transactions between domestic and foreign offices of a bank
are reported in "net due from" and "net due to" lines. All other lines
represent transactions with parties other than the domestic and foreign
offices of each bank. Because these intra-office transactions are
nullified by consolidation, total assets and total liabilities for the
entire bank may not equal the sum of assets and liabilities,
respectively, of the domestic and foreign offices.
Foreign offices include branches in foreign countries, Puerto Rico, and
US.-affiliated insular areas; subsidiaries in foreign countries; all
offices of Edge Act and agreement corporations wherever located; and
international banking facility (IBF).
(2.) Components of "Trading Assets at Large Banks" are reported only by
banks that reported trading assets of $2 million or more any quarter of
the preceding calendar year.
4.23 TERMS OF LENDING AT COMMERCIAL BANKS
Survey of Loans Made, August 5-9, 2002
A. Commercial and industrial loans made by all commercial banks (1)
Weighted-
average Average
effective Amount of loan
loan rate loans size of
(percent) (millions (thousands
Item (2) of dollars) dollars)
LOAN RISK (5)
1 All commercial and
industrial loans 3.64 65,929 439
2 Minimal risk 3.20 4,438 652
3 Low risk 2.81 10,093 810
4 Moderate risk 3.73 22,678 438
5 Other 4.01 20,471 393
By maturity/repricing
interval (6)
6 Zero interval 4.35 12,071 236
7 Minimal risk 2.85 500 443
8 Low risk 2.85 2,913 661
9 Moderate risk 4.74 4,637 216
10 Other 5.35 3,202 153
11 Daily 3.43 22,835 467
12 Minimal risk 3.69 916 487
13 Low risk 2.56 3,348 2,145
14 Moderate risk 3.64 5,943 456
15 Other 3.50 8,440 465
16 2 to 30 days 3.13 11,013 688
17 Minimal risk 2.58 2,287 1,521
18 Low risk 2.72 1,233 734
19 Moderate risk 3.14 2,980 759
20 Other 3.68 3,099 482
21 31 to 365 days 3.54 17,628 801
22 Minimal risk 3.74 499 287
23 Low risk 2.99 2,283 647
24 Moderate risk 3.34 8,130 976
25 Other 4.09 5,244 1,247
26 More than 365 days 5.38 2,100 210
27 Minimal risk 6.94 234 439
28 Low risk 4.62 276 227
28 Moderate risk 4.56 834 212
30 Other 5.45 423 236
Weighted-
average risk
rating (5)
SIZE OF LOAN
(thousands of dollars)
31 1-99 5.79 2,647 3.4
32 100-999 5.00 9,230 3.4
33 1,000-9,999 3.63 21,713 3.0
34 10,000 or more 3.08 32,339 3.2
BASE RATE OF LOAN (4)
35 Prime (7) 5.16 15,814 3.3
36 Fed funds 2.54 11,456 3.3
37 Other domestic 3.00 7,201 2.9
38 Foreign 3.25 22,461 3.2
39 Other 3.85 8,996 2.7
Amount of loans
(percent)
Weighted-
average Secured by Callable
Item maturity (3) collateral
Days
LOAN RISK (5)
1 All commercial and
industrial loans 414 38.0 11.0
2 Minimal risk 221 24.9 10.6
3 Low risk 409 18.5 8.3
4 Moderate risk 617 50.3 16.8
5 Other 275 41.0 6.6
By maturity/repricing
interval (6)
6 Zero interval 665 52.4 18.6
7 Minimal risk 319 51.6 70.5
8 Low risk 419 14.1 12.3
9 Moderate risk 1018 65.0 21.2
10 Other 519 61.5 15.2
11 Daily 251 30.8 12.1
12 Minimal risk 201 15.6 11.2
13 Low risk 262 7.9 1.9
14 Moderate risk 479 41.7 30.4
15 Other 110 37.0 5.3
16 2 to 30 days 250 25.0 10.6
17 Minimal risk 29 7.4 .0
18 Low risk 433 37.5 18.1
19 Moderate risk 371 28.6 18.0
20 Other 193 33.2 5.1
21 31 to 365 days 410 41.7 3.9
22 Minimal risk 124 61.4 2.9
23 Low risk 415 20.0 6.1
24 Moderate risk 498 54.0 3.5
25 Other 346 37.3 2.2
Months
26 More than 365 days 55 65.1 9.0
27 Minimal risk 71 96.5 .3
28 Low risk 63 83.3 15.1
28 Moderate risk 48 66.8 5.7
30 Other 55 62.3 22.9
Weighted-
average
maturity/
repricing
interval
(6)
Days
SIZE OF LOAN
(thousands of dollars)
31 1-99 110 82.0 26.2
32 100-999 119 71.1 20.8
33 1,000-9,999 89 31.1 10.5
34 10,000 or more 40 29.7 7.3
BASE RATE OF LOAN (4)
35 Prime (7) 39 70.5 20.3
36 Fed funds 8 9.0 5.9
37 Other domestic 22 9.1 27.1
38 Foreign 64 37.7 4.4
39 Other 256 41.9 4.7
Amount of loans (percent)
Most
Subject to common
prepayment Made under base pricing
Item penalty commitment rate (4)
LOAN RISK (5)
1 All commercial and
industrial loans 29.9 75.1 Foreign
2 Minimal risk 10.4 96.2 Other
3 Low risk 45.8 67.6 Fed funds
4 Moderate risk 23.7 84.9 Foreign
5 Other 29.0 75.0 Foreign
By maturity/repricing
interval (6)
6 Zero interval 10.5 73.7 Prime
7 Minimal risk 20.7 75.7 Foreign
8 Low risk 13.6 37.8 Fed funds
9 Moderate risk 7.8 90.5 Prime
10 Other 12.5 88.3 Prime
11 Daily 35.2 63.5 Fed funds
12 Minimal risk 26.2 99.2 Other
13 Low risk 72.2 72.7 Fed funds
14 Moderate risk 26.7 70.3 Prime
15 Other 20.2 58.9 Fed funds
16 2 to 30 days 25.7 83.3 Foreign
17 Minimal risk .7 99.9 Other
18 Low risk 31.1 90.6 Foreign
19 Moderate risk 25.5 85.6 Foreign
20 Other 38.9 77.5 Foreign
21 31 to 365 days 40.8 86.2 Foreign
22 Minimal risk 20.3 93.8 Other
23 Low risk 58.0 88.9 Foreign
24 Moderate risk 30.0 91.7 Foreign
25 Other 49.5 91.4 Foreign
26 More than 365 days 17.6 68.8 Other
27 Minimal risk .0 97.8 Other
28 Low risk 34.2 36.2 Foreign
28 Moderate risk 27.8 85.1 Other
30 Other 9.0 71.4 Other
SIZE OF LOAN
(thousands of dollars)
31 1-99 2.9 83.4 Prime
32 100-999 6.1 87.9 Prime
33 1,000-9,999 30.4 80.9 Foreign
34 10,000 or more 38.5 66.9 Foreign
Average size
(thousands
of dollars)
BASE RATE OF LOAN (4)
35 Prime (7) 1.4 88.8 146
36 Fed funds 32.8 57.5 4,949
37 Other domestic 63.7 40.8 2,911
38 Foreign 46.6 86.3 2,528
39 Other 7.4 72.7 314
Footnotes appear at end of table.
B. Commercial and industrial loans made by all domestic banks (1)
Weighted-
average
effective Amount of Average loan
loan rate loans size
(percent) (millions (thousand of
Item (2) of dollars) (dollars)
LOAN RISK (5)
1 All commercial and
industrial loans 3.92 44,238 305
2 Minimal risk 3.30 4,004 593
3 Low risk 2.88 7,492 635
4 Moderate risk 3.90 18,182 359
5 Other 4.88 9,970 201
By maturity/repricing
interval (6)
6 Zero interval 4.39 10,839 216
7 Minimal risk 2.85 500 444
8 Low risk 2.73 2,595 607
9 Moderate risk 4.76 4,520 212
10 Other 5.39 2,847 139
11 Daily 3.94 12,658 265
12 Minimal risk 4.32 675 360
13 Low risk 2.67 2,030 1,474
14 Moderate risk 3.78 5,032 392
15 Other 4.89 2,835 161
16 2 to 30 days 3.16 7,272 489
17 Minimal risk 2.58 2,191 1,481
18 Low risk 2.76 1,122 699
19 Moderate risk 3.15 1,853 511
20 Other 4.65 1,136 196
21 31 to 365 days 3.68 11,096 551
22 Minimal risk 3.94 401 234
23 Low risk 3.19 1,437 438
24 Moderate risk 3.47 5,787 741
25 Other 4.35 2,666 819
26 More than 365 days 5.38 2,100 210
27 Minimal risk 6.94 234 439
28 Low risk 4.62 276 227
28 Moderate risk 4.56 834 212
30 Other 5.45 423 236
Weighted-
Average risk
rating (5)
SIZE OF LOAN
(thousands of dollars)
31 1-99 5.81 2,609 3.4
32 100-999 5.09 8,486 3.4
33 1,000-9,999 3.86 14,854 2.8
34 10,000 or more 3.17 18,289 2.8
BASE RATE OF LOAN (4)
35 Prime (7) 5.16 14,907 3.3
36 Fed funds 2.31 3,973 2.5
37 Other domestic 2.93 4,358 2.9
38 Foreign 3.32 13,856 3.1
39 Other 4.05 7,145 2.1
Amount of loans
(percent)
Weighted-
average
maturity (3) Secured by Callable
Item collateral
Days
LOAN RISK (5)
1 All commercial and
industrial loans 596 48.0 15.6
2 Minimal risk 243 26.3 11.8
3 Low risk 508 23.4 11.1
4 Moderate risk 752 55.5 19.4
5 Other 525 65.0 12.5
By maturity/repricing
interval (6)
6 Zero interval 684 51.8 20.0
7 Minimal risk 319 51.6 70.6
8 Low risk 338 12.4 13.8
9 Moderate risk 1,011 65.9 21.5
10 Other 535 64.0 14.9
11 Daily 473 46.0 21.9
12 Minimal risk 280 21.2 15.1
13 Low risk 436 13.0 3.1
14 Moderate risk 572 49.3 35.9
15 Other 355 67.5 15.8
16 2 to 30 days 368 29.8 12.0
17 Minimal risk 29 7.7 .0
18 Low risk 477 41.1 19.9
19 Moderate risk 545 31.4 14.9
20 Other 513 62.8 11.0
21 31 to 365 days 585 54.2 6.2
22 Minimal risk 134 63.5 3.6
23 Low risk 625 31.0 9.6
24 Moderate risk 676 58.4 4.9
25 Other 495 64.0 4.3
Months
26 More than 365 days 55 65.1 9.0
27 Minimal risk 71 96.5 .3
28 Low risk 63 83.3 15.1
28 Moderate risk 48 66.8 5.7
30 Other 55 62.3 22.9
Weighted-
average
maturity/
repricing
interval
Days
SIZE OF LOAN
(thousands of dollars)
31 1-99 111 82.7 26.5
32 100-999 127 74.8 22.0
33 1,000-9,999 121 40.0 13.8
34 10,000 or more 57 37.0 12.5
BASE RATE OF LOAN (4)
35 Prime (7) 41 71.6 19.1
36 Fed funds 10 16.1 17.0
37 Other domestic 30 14.6 44.8
38 Foreign 81 49.0 7.2
39 Other 321 34.7 5.9
Most
Subject to common
prepayment Made under base pricing
Item penalty commitment rate (4)
LOAN RISK (5)
1 All commercial and
industrial loans 15.0 82.2 Prime
2 Minimal risk 3.6 95.8 Other
3 Low risk 35.9 64.3 Foreign
4 Moderate risk 11.4 84.6 Foreign
5 Other 15.5 86.1 Prime
By maturity/repricing
interval (6)
6 Zero interval 11.4 75.2 Prime
7 Minimal risk 20.7 75.7 Foreign
8 Low risk 15.2 30.2 Fed funds
9 Moderate risk 7.9 90.5 Prime
10 Other 13.4 89.0 Prime
11 Daily 17.6 81.6 Prime
12 Minimal risk * 99.0 Other
13 Low risk 58.1 84.2 Fed funds
14 Moderate risk 18.5 71.5 Prime
15 Other 3.7 82.7 Prime
16 2 to 30 days 9.0 92.5 Other
17 Minimal risk .7 99.9 Other
18 Low risk 27.0 89.7 Foreign
19 Moderate risk 9.2 91.9 Foreign
20 Other 9.7 88.8 Foreign
21 31 to 365 days 19.3 85.2 Foreign
22 Minimal risk 6.3 92.3 Other
23 Low risk 49.8 82.5 Foreign
24 Moderate risk 6.6 88.7 Foreign
25 Other 34.4 87.7 Foreign
26 More than 365 days 17.6 68.8 Other
27 Minimal risk .0 97.8 Other
28 Low risk 34.2 36.2 Foreign
28 Moderate risk 27.8 85.1 Other
30 Other 9.0 71.4 Other
SIZE OF LOAN
(thousands of dollars)
31 1-99 2.6 83.4 Prime
32 100-999 2.9 87.8 Prime
33 1,000-9,999 16.8 90.1 Prime
34 10,000 or more 20.9 73.1 Foreign
Average size
(thousands
of dollars)
BASE RATE OF LOAN (4)
35 Prime (7) 1.2 89.2 139
36 Fed funds 15.1 40.6 5,514
37 Other domestic 40.1 67.4 2,071
38 Foreign 25.5 88.3 1,943
39 Other 8.1 87.9 252
Footnotes appear at end of table.
C. Commercial and industrial loans made by large domestic banks (1)
average
effective Amount of Average loan
loan rate loans size
(percent) (millions (thousands of
Item (2) of dollars) dollars)
LOAN RISK (5)
1 All commercial and
industrial loans 3.71 37,454 489
2 Minimal risk 3.31 2,325 1,570
3 Low risk 2.46 6,607 2,504
4 Moderate risk 3.66 15,998 652
5 Other 4.75 8,536 271
By maturity/repricing
interval (6)
6 Zero interval 4.08 8,039 420
7 Minimal risk 1.47 227 749
8 Low risk 2.39 2,287 4,686
9 Moderate risk 4.60 3,301 366
10 Other 5.27 2,057 229
11 Daily 3.85 1,731 279
12 Minimal risk 4.48 527 729
13 Low risk 2.46 1,881 2,157
14 Moderate risk 3.65 4,646 413
15 Other 4.86 2,647 168
16 2 to 30 days 3.16 5,691 647
17 Minimal risk 2.97 1,223 5,655
18 Low risk 2.43 1,025 1,304
19 Moderate risk 3.09 1,766 813
20 Other 4.51 872 219
21 31 to 365 days 3.49 10,432 3,006
22 Minimal risk 3.88 336 1,622
23 Low risk 2.65 1,227 3,159
24 Moderate risk 3.32 5,584 5,108
25 Other 4.29 2,582 1,871
26 More than 365 days 4.32 1,366 749
27 Minimal risk * * *
28 Low risk 2.53 156 2,486
28 Moderate risk 3.49 622 940
30 Other 4.99 316 451
Weighted-
Average risk
rating (5)
SIZE OF LOAN
(thousands of dollars)
31 1-99 5.21 1,435 3.6
32 10-999 4.80 5,880 3.5
33 1,000-9999 3.81 12,115 3.0
34 10,000 or more 3.17 18,023 2.8
BASE RATE OF LOAN (4)
35 Prime (7) 5.00 10,982 3.4
36 Fed funds 2.30 3,934 2.5
37 Other domestic 2.82 4,241 2.9
38 Foreign 3.32 13,290 3.1
39 Other 3.80 5,007 2.4
Amount of loans
(percent)
Weighted-
average Secured by
maturity (3) collateral Callable
Item
Days
LOAN RISK (5)
1 All commercial and
industrial loans 543 44.1 13.8
2 Minimal risk 140 24.8 8.6
3 Low risk 331 14.7 10.3
4 Moderate risk 714 52.0 16.8
5 Other 477 60.7 10.2
By maturity/repricing
interval (6)
6 Zero interval 598 43.6 12.4
7 Minimal risk 311 51.1 48.9
8 Low risk 81 2.1 12.9
9 Moderate risk 1,004 63.1 12.7
10 Other 475 55.3 7.8
11 Daily 445 43.1 22.1
12 Minimal risk 332 18.4 14.6
13 Low risk 275 6.4 3.3
14 Moderate risk 577 45.7 36.4
15 Other 353 65.6 16.1
16 2 to 30 days 399 29.8 14.2
17 Minimal risk 40 12.8 .0
18 Low risk 422 37.1 18.7
19 Moderate risk 525 29.5 14.6
20 Other 523 52.2 13.1
21 31 to 365 days 576 52.3 5.5
22 Minimal risk 119 60.6 3.2
23 Low risk 585 22.6 10.3
24 Moderate risk 661 57.3 4.2
25 Other 492 63.2 3.8
Months
26 More than 365 days 43 47.3 3.2
27 Minimal risk * * *
28 Low risk 55 71.2 *
28 Moderate risk 39 56.7 1.9
30 Other 38 50.2 10.2
Weighted-
average
maturity/
repricing
interval
Days
SIZE OF LOAN
(thousands of dollars)
31 1-99 36 79.8 26.9
32 10-999 50 68.6 17.6
33 1,000-9999 97 38.3 13.8
34 10,000 or more 58 37.1 11.4
BASE RATE OF LOAN (4)
35 Prime (7) 23 65.9 14.6
36 Fed funds 9 15.9 17.0
37 Other domestic 21 12.3 44.8
38 Foreign 84 50.1 5.8
39 Other 212 29.3 4.3
Most
Subject to common
prepayment Made under base pricing
penalty commitment rate (4)
Item
LOAN RISK (5)
1 All commercial and
industrial loans 17.0 82.4 Foreign
2 Minimal risk 5.2 95.0 Other
3 Low risk 38.9 64.9 Foreign
4 Moderate risk 12.6 85.0 Foreign
5 Other 17.4 87.8 Prime
By maturity/repricing
interval (6)
6 Zero interval 13.1 73.9 Prime
7 Minimal risk 42.6 51.5 Fed funds
8 Low risk 13.7 26.9 Fed funds
9 Moderate risk 9.5 93.8 Prime
10 Other 16.0 94.5 Prime
11 Daily 19.0 80.5 Prime
12 Minimal risk * 98.9 Other
13 Low risk 62.7 83.1 Fed funds
14 Moderate risk 20.0 69.3 fDomestic
15 Other 3.9 82.2 Prime
16 2 to 30 days 10.9 91.9 Foreign
17 Minimal risk 1.3 100.0 Other
18 Low risk 26.7 91.7 Foreign
19 Moderate risk 9.6 92.4 Foreign
20 Other 12.5 85.6 Foreign
21 31 to 365 days 20.3 86.5 Foreign
22 Minimal risk 2.5 99.9 Other
23 Low risk 58.1 87.4 Foreign
24 Moderate risk 6.9 89.1 Foreign
25 Other 35.3 88.6 Foreign
26 More than 365 days 26.0 76.3 Other
27 Minimal risk * * *
28 Low risk 58.3 42.4 Foreign
28 Moderate risk 36.4 96.5 Other
30 Other 10.2 88.7 Other
SIZE OF LOAN
(thousands of dollars)
31 1-99 1.2 90.8 Prime
32 10-999 2.4 93.6 Prime
33 1,000-9999 20.0 90.2 Foreign
34 10,000 or more 21.0 72.9 Foreign
Average size
(thousands
BASE RATE OF LOAN (4) of dollars)
35 Prime (7) .2 92.4 179
36 Fed funds 15.3 40.0 6,962
37 Other domestic 40.8 66.6 4,280
38 Foreign 26.1 88.4 2,054
39 Other 10.8 91.4 683
D. Commercial and industrial loans made by small domestic banks (1)
Weighted-
Average Amount of Average loan
effective loans size
loan rate (millions (thousands of
(percent) of dollars dollars
Item (2)
LOAN RISK (5)
1 All commercial and
industrial loans 5.10 6,784 99
2 Minimal risk 3.29 1,679 319
3 Low risk 5.94 885 97
4 Moderate risk 5.66 2,184 84
5 Other 5.65 1,434 79
By maturity/repricing
interval (6)
6 Zero interval 5.25 2,801 90
7 Minimal risk 3.99 274 332
8 Low risk 5.30 308 81
9 Moderate risk 5.20 1,219 99
10 Other 5.70 791 69
11 Daily 5.09 927 161
12 Minimal risk 3.74 148 129
13 Low risk 5.37 150 296
14 Moderate risk 5.32 386 245
15 Other 5.29 188 103
16 2 to 30 days 3.13 1,581 260
17 Minimal risk 2.08 968 766
18 Low risk 6.25 97 119
19 Moderate risk 4.53 86 60
20 Other 5.11 264 146
21 31 to 365 days 6.63 663 40
22 Minimal risk 4.26 64 43
23 Low risk 6.35 210 73
24 Moderate risk 7.57 203 30
25 Other 6.22 84 45
Months
26 More than 365 days 7.34 734 90
27 Minimal risk 7.04 225 434
28 Low risk 7.34 120 104
28 Moderate risk 7.70 212 65
30 Other 6.82 107 98
Weighted-
average risk
rating (5)
SIZE OF LOAN
(thousands of dollars)
31 1-99 6.55 1,174 3.1
32 100-999 5.73 2,605 3.2
33 1,000-9,999 4.05 2,739 1.9
34 10,000 or more * * *
BASE RATE OF LOAN (4)
35 Prime (7) 5.60 3,924 3.1
36 Fed funds 3.32 39 2.9
37 Other domestic 6.95 117 2.5
38 Foreign 3.11 566 2.4
39 Other 4.63 2,138 1.7
Amount of loans
(percent)
Weighted-
average
maturity (3) Secured by
collateral Callable
Days
Item
LOAN RISK (5)
1 All commercial and
industrial loans 891 69.3 25.7
2 Minimal risk 382 28.4 16.2
3 Low risk 1,792 88.8 16.9
4 Moderate risk 1,062 81.2 38.7
5 Other 801 90.6 26.3
By maturity/repricing
interval (6)
6 Zero interval 937 75.2 41.8
7 Minimal risk 326 52.0 88.5
8 Low risk 2,246 88.7 20.7
9 Moderate risk 1,033 73.4 45.4
10 Other 679 86.7 33.5
11 Daily 786 83.1 19.2
12 Minimal risk 120 31.0 17.1
13 Low risk 2,397 96.0 .5
14 Moderate risk 509 92.2 30.1
15 Other 385 94.4 10.8
16 2 to 30 days 263 29.7 4.0
17 Minimal risk 16 1.3 .0
18 Low risk 1,042 83.5 32.4
19 Moderate risk 952 68.9 21.5
20 Other 483 97.7 3.7
21 31 to 365 days 735 84.4 16.0
22 Minimal risk 214 78.7 5.8
23 Low risk 855 80.3 5.7
24 Moderate risk 1,077 89.9 21.9
25 Other 589 87.8 19.4
Months
26 More than 365 days 77 98.2 19.7
27 Minimal risk 74 100.0 .3
28 Low risk 74 99.1 34.6
28 Moderate risk 74 96.3 16.9
30 Other 106 97.9 60.4
Weighted-
average
maturity/
repricing
interval
Days
SIZE OF LOAN
(thousands of dollars)
31 1-99 203 86.2 26.0
32 100-999 304 88.8 32.0
33 1,000-9,999 228 47.3 13.6
34 10,000 or more * * *
BASE RATE OF LOAN (4)
35 Prime (7) 91 87.6 31.8
36 Fed funds 89 29.3 25.5
37 Other domestic 346 98.9 44.1
38 Foreign 24 23.0 40.0
39 Other 574 47.3 9.7
Amount of loans (percent)
Subject to Most
prepayment Made under common
penalty commitment base pricing
rate (4)
Item
LOAN RISK (5)
1 All commercial and
industrial loans 3.8 81.0 Prime
2 Minimal risk 1.4 97.0 Other
3 Low risk 13.3 59.7 Prime
4 Moderate risk 2.4 81.6 Prime
5 Other 4.5 76.3 Prime
By maturity/repricing
interval (6)
6 Zero interval 6.7 79.0 Prime
7 Minimal risk 2.5 95.7 Prime
8 Low risk 26.7 54.8 Prime
9 Moderate risk 3.7 81.4 Prime
10 Other 6.6 74.7 Prime
11 Daily .2 95.1 Prime
12 Minimal risk * 99.3 Other
13 Low risk * 98.1 Prime
14 Moderate risk * 97.9 Prime
15 Other .7 89.3 Prime
16 2 to 30 days 2.1 95.0 Other
17 Minimal risk .0 99.8 Other
18 Low risk 31.0 68.0 Prime
19 Moderate risk .5 81.8 Prime
20 Other .2 99.7 Prime
21 31 to 365 days 3.5 63.9 Other
22 Minimal risk 25.9 52.1 Other
23 Low risk .8 53.8 Other
24 Moderate risk .1 76.3 Other
25 Other 5.1 61.3 Prime
26 More than 365 days 2.0 54.7 Other
27 Minimal risk * 97.7 Other
28 Low risk 2.9 28.3 Prime
28 Moderate risk 2.6 51.6 Other
30 Other 5.4 20.5 Other
SIZE OF LOAN
(thousands of dollars)
31 1-99 4.4 74.3 Prime
32 100-999 3.9 74.7 Prime
33 1,000-9,999 2.5 89.5 Other
34 10,000 or more * * *
Average size
(thousands
of dollars)
BASE RATE OF LOAN (4)
35 Prime (7) 3.8 80.3 86
36 Fed funds .1 99.3 248
37 Other domestic 12.6 97.4 105
38 Foreign 10.1 86.8 858
39 Other 1.8 79.7 102
E. Commercial and industrial loans made by small domestic banks (1)
Weighted-
Average Amount of Average loan
effective loans size
loan rate (millions (thousands of
(percent) of dollars dollars
(2)
Item
LOAN RISK (5)
1 All commercial and
industrial loans 3.06 21,691 4,314
2 Minimal risk 2.30 435 7,532
3 Low risk 2.64 2,601 3,940
4 Moderate risk 3.04 4,496 3,736
5 Other 3.19 10,501 4,119
By maturity/repricing
interval (6)
6 Zero interval 4.00 1,232 1,525
7 Minimal risk * * *
8 Low risk 3.78 318 2,363
9 Moderate risk 3.95 117 684
10 Other 5.03 355 858
11 Daily 2.78 10,177 8,468
12 Minimal risk * * *
13 Low risk 2.38 1,318 7,213
14 Moderate risk 2.87 910 4,271
15 Other 2.80 5,606 10,169
16 2 to 30 days 3.07 3,741 3,256
17 Minimal risk * * *
18 Low risk 2.37 111 1,471
19 Moderate risk 3.10 1,127 3,721
20 Other 3.13 1,963 3,085
21 31 to 365 days 3.31 6,532 3,529
22 Minimal risk * * *
23 Low risk 2.65 846 3,407
24 Moderate risk 3.03 2,343 4,512
25 Other 3.81 2,578 2,717
26 More than 365 days * * *
27 Minimal risk * * *
28 Low risk * * *
28 Moderate risk * * *
30 Other * * *
Weighted-
average risk
rating (5)
SIZE OF LOAN
(thousands of dollars)
31 1-99 4.44 37 3.8
32 100-999 3.95 744 3.6
33 1,000-9,999 3.13 6,859 3.3
34 10,000 or more 2.97 14,050 3.8
BASE RATE OF LOAN (4)
35 Prime (7) 5.24 908 3.3
36 Fed funds 2.66 7,484 3.8
37 Other domestic 3.10 2,843 *
38 Foreign 3.15 8,605 3.4
39 Other 3.11 1,851 4.5
Amount of loan
(percent)
Weighted-
average
maturity (3) Secured by
collateral Callable
Item
Days
LOAN RISK (5)
1 All commercial and
industrial loans 64 17.8 1.7
2 Minimal risk 24 11.9 *
3 Low risk 143 4.2 .0
4 Moderate risk 67 29.3 6.1
5 Other 62 18.3 .9
By maturity/repricing
interval (6)
6 Zero interval 504 58.1 6.0
7 Minimal risk * * *
8 Low risk 1,025 28.4 .2
9 Moderate risk 1,277 31.4 9.3
10 Other 386 41.3 17.7
11 Daily 1 11.9 *
12 Minimal risk * * *
13 Low risk 1 * *
14 Moderate risk 2 * *
15 Other 1 * *
16 2 to 30 days 16 15.7 7.9
17 Minimal risk * * *
18 Low risk 20 .7 *
19 Moderate risk 21 24.0 23.3
20 Other 15 16.1 1.7
21 31 to 365 days 113 20.5 .0
22 Minimal risk * * *
23 Low risk 66 1.3 *
24 Moderate risk 53 43.2 *
25 Other 194 9.7 .0
Months
26 More than 365 days * * *
27 Minimal risk * * *
28 Low risk * * *
28 Moderate risk * * *
30 Other * * *
Weighted-
average
maturity/
repricing
interval
Days
SIZE OF LOAN
(thousands of dollars)
31 1-99 31 31.3 6.6
32 100-999 29 29.5 6.3
33 1,000-9,999 21 11.8 3.4
34 10,000 or more 17 20.1 .6
BASE RATE OF LOAN (4)
35 Prime (7) 7 52.2 40.9
36 Fed funds 8 5.2 *
37 Other domestic 11 .6 *
38 Foreign 36 19.6 *
39 Other 4 69.7 *
Amount of loans (percent)
Subject to Most
prepayment Made under common
penalty commitment base pricing
rate (4)
Item
LOAN RISK (5)
1 All commercial and
industrial loans 60.3 60.5 Foreign
2 Minimal risk 72.9 100.0 Foreign
3 Low risk 74.2 77.1 Fed funds
4 Moderate risk 73.7 85.9 Foreign
5 Other 41.8 64.5 Foreign
By maturity/repricing
interval (6)
6 Zero interval 2.3 60.7 Prime
7 Minimal risk * * *
8 Low risk .7 99.8 Prime
9 Moderate risk 4.8 90.7 Foreign
10 Other 5.6 83.2 Prime
11 Daily 57.1 41.0 Fed funds
12 Minimal risk * * *
13 Low risk 94.0 54.9 Fed funds
14 Moderate risk 72.4 63.9 Fed funds
15 Other 28.5 46.8 Fed funds
16 2 to 30 days 58.1 65.4 Foreign
17 Minimal risk * * *
18 Low risk 72.4 99.4 Foreign
19 Moderate risk 52.4 75.3 Foreign
20 Other 55.9 71.0 Foreign
21 31 to 365 days 77.4 88.0 Foreign
22 Minimal risk * * *
23 Low risk 72.0 99.9 Foreign
24 Moderate risk 87.8 99.3 Foreign
25 Other 65.1 95.2 Foreign
26 More than 365 days * * *
27 Minimal risk * * *
28 Low risk * * *
28 Moderate risk * * *
30 Other * * *
SIZE OF LOAN
(thousands of dollars)
31 1-99 22.4 85.5 Prime
32 100-999 43.0 88.6 Foreign
33 1,000-9,999 60.1 60.9 Fed funds
34 10,000 or more 61.3 58.8 Foreign
Average size
(thousands
of dollars)
BASE RATE OF LOAN (4)
35 Prime (7) 4.4 82.3 873
36 Fed funds 42.3 66.4 4,694
37 Other domestic 100.0 .0 7,682
38 Foreign 80.7 83.1 4,904
39 Other 4.5 13.9 6876
NOTES TO TABLE 4.23
NOTE. The survey of Terms of Business Lending collects sata on fross
loan extensios made during the first full bisoness week in the
mid-month of each quarter. The authorized panel size for the survey
is 348 domestically chartered commercial banks and 50 U.S. branches
and agencies of foreign banks. The sample data are used to estimate the
terms of loans extended during that week at all domestic coomercial
banks and all U.S. branches and agencies of foreign banks. Note that
the terms on loans extended during the surveu week may
agencies of foreign banks. Note that hte terms on loans extended during
the survey week may differ from those extended during other weeks of
the quater. T he estimates reported here are not intended to measure
the average terms on all business loans in bank portfilios.
(1) As of March 31, 2001, assets of the large banks were at least
$4 billion. Median total assets for all insured banks were roughly $80
million. Assets at all U.S. branches and agencies averaged $2.7
billion.
(2) Effective (compounded) annual interes rates are calculated from the
stated rate and other terms of the loans and weighted by loan amounts.
The standard error of the loan rate for point. The chances are about
two out of three that the average rate shown would differ by less
universe of all banks.
(3) Average maturities are weighed by loan amount and exclude loans
with no stated maturities.
(4) The most common base pricing rate is that used to price the largest
dollar volume of loans. Base pricing rates include the prime rate
(sometimes referred to as a bank's "base" or "reference" rate); the
federal funds rate; domestic money market rates other than the prime
rate and the federal funds rate; foreign money market rates; and other
base rates not included in the foregoing classifications.
(5) A Complete description of these risk categories is available from
the Banking Analysis Section, Mail Stop 81, Board of Governors of the
Federal Rates System, Washington, DC 20551. The category "Moderate
risk" includes the average loan, under average economic conditions, at
the typical lender. The category "Other" inlcudes loans rated
"accepted" as well as special mention or classified loans. The
weighted-average risk rating published for loans in rows 31-39 are
calculated by assigning a value of "1" to minimal risk loans; "2" to
low risk loans; "3" to moderate risk loans, "4" to accepted risk loans;
and "5" to special mention and classified loans. These values are
weighed by loan amount and exclude loans with no risk rating. Some of
the loans in lines 1, 6, 11, 16, 21, 26, and 31-39 are not rated for
risk.
(6) The maturity/repricing interval measures the period from the date
the loan is made until it first may replace or it matures. For
floating-rate loans that are subject to repricing at any time--such
as many prime-based loans--the maturity/repricing interval measures
the number of days between the date the loan is made and the date on
which it is next scheduled to reprice. For loans having rates that
remain fix until the loan matures (fixed-rate loans), the maturity/
repricing interval measures the number of days between the date the
loan is made and the date on which it matures. Loans that reprice
daily mature or reprice on the business day after they are made. Owing
to weekends and holidays, such loans may have maturity/repricing
intervals in excess of one day; such loans are not included in the
"2 to 30 day" category.
(7) For the current survey, the average reported prime rate, weighted
by the amount of loans price relative to a prime base rate, was 4.79
percent for all banks 4.75 percent for large domestic banks, 4.91
percent for small domestic banks, and 4.75 percent for U.S. branches
and agencies of foreign banks.
COPYRIGHT 2002 Board of Governors of the Federal Reserve System
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2002, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.
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