Guide to statistical releases and special tables.
Guide to Statistical Releases and Special Tables
STATISTICAL RELEASES--List Published Semiannually, with Latest Bulletin
Reference
Issue Page
Anticipated schedule of release dates for
periodic releases June 2001 A72
SPECIAL TABLES--Data Published Irregularly, with Latest Bulletin
Reference
Title and Date Issue Page
Assets and liabilities of commercial banks
September 30, 2000 February 2001 A64
December 31, 2000 May 2001 A64
March 31, 2001 August 2001 A64
June 30, 2001 November 2001 A64
Terms of lending at commercial banks
November 2000 February 2001 A66
February 2001 May 2001 A66
May 2001 August 2001 A66
August 2001 November 2001 A66
Assets and liabilities of U.S. branches and agencies of foreign banks
June 30, 2000 November 2000 A72
September 30, 2000 February 2001 A72
December 31, 2000 May 2001 A72
March 31, 2001 August 2001 A72
Pro forma balance sheet and income statements for priced service
operations
September 30, 2000 February 2001 A76
March 31, 2001 August 2001 A76
June 30, 2001 October 2001 A64
Residential lending reported under the Home Mortgage Disclosure Act
1999 September 2000 A64
2000 September 2001 A64
Disposition of applications for private mortgage insurance
1999 September 2000 A73
2000 September 2001 A73
Small loans to businesses and farms
1999 September 2000 A76
2000 September 2001 A76
Community development lending reported under the Community Reinvestment
Act
1999 September 2000 A79
2000 September 2001 A79
4.20 DOMESTIC AND FOREIGN OFFICES Insured Commercial Bank Assets and
Liabilities
Consolidated Report of Condition, June 30, 2001
Millions of dollars except as noted
Banks
with
foreign
offices
(1)
Domestic
Item Total total Total
1 Total assets 6,272,642 5,514,993 4,254,061
2 Cash and balances due from
depository
institutions 382,544 256,908 287,424
3 Cash items in process of
collection, unposted
debits, and currency
and coin n.a. n.a. 122,069
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. 36,188
7 Balances due from banks in
foreign countries and
foreign central banks n.a. n.a. 118,198
8 Balances due from Federal
Reserve Banks n.a. n.a. 10,969
9 Total securities, held-to-
maturity (amortized
cost) and available-
for-sale (fair value) 1,036,802 n.a. 576,570
10 U.S. Treasury securities 54,183 n.a. 32,519
11 U.S. government agency and
corporation
obligations (excludes
mortgage-backed
securities) 178,898 n.a. 63,881
12 Issued by U.S. government
agencies 4,507 n.a. 1,841
13 Issued by U.S. government-
sponsored agencies 174,391 n.a. 62,039
14 Securities issued by states
and political
subdivisions in the
United States 93,526 n.a. 32,030
15 Mortgage-backed securities
(MBS) 509,990 n.a. 329,209
16 Pass-through securities 326,312 n.a. 233,112
17 Guaranteed by GNMA 88,795 n.a. 56,190
18 Issued by FNMA and FHLMC 230,338 n.a. 171,832
19 Other pass-through
securities 7,179 n.a. 5,090
20 Other mortgage-backed
securities (includes
CMOs, REMICs, and
stripped MBS) 183,678 n.a. 96,097
21 Issued or guaranteed by
FNMA, FHLMC or GNMA 115,889 n.a. 66,536
22 Collateralized by MBS
issued or guaranteed
by FNMA, FHLMC,
or GNMA 6,215 n.a. 4,464
23 All other mortgage-
backed securities 61,574 n.a. 25,097
24 Asset-backed securities 78,308 n.a. 29,579
25 Credit card receivables 30,583 n.a. 6,551
26 Home equity lines 18,285 n.a. 14,912
27 Automobile loans 14,482 n.a. 2,429
28 Other consumer loans 1,062 n.a. 546
29 Commercial and industrial
loans 4,928 n.a. 2,688
30 Other 8,966 n.a. 2,453
31 Other debt securities 104,270 n.a. 78,307
32 Other domestic debt
securities 35,831 n.a. 14,627
33 Foreign debt securities 68,438 n.a. 63,680
34 Investments in mutual
funds and other equity
securities with
readily determinable
fair value 17,628 n.a. 11,045
35 Federal funds sold and
securities purchased
under agreements to
resell 318,818 251,578 240,198
36 Total loans and leases (gross)
and lease-financing
receivables (net) 3,802,973 3,519,894 2,513,223
37 LESS: Unearned income on
loans 2,683 2,090 1,403
38 LESS: Loans and leases held
for sale 138,989 n.a. 107,729
39 Total loans and leases (net of
unearned income) 3,661,303 n.a. 2,404,092
40 LESS: Allowance for loan and
lease losses 64,589 n.a. 43,338
41 Loans and leases, net of
unearned income and
allowance 3,596,714 n.a. 2,360,754
Total loans and leases, gross,
by category
42 Loans secured by real estate 1,720,173 1,688,656 992,747
43 Construction and land
development n.a. 182,761 n.a.
44 Farmland n.a. 35,158 n.a.
45 One- to four-family
residential properties n.a. 935,481 n.a.
46 Revolving, open-end loans,
extended under lines
of credit n.a. 134,996 n.a.
Closed-end loans secured by
one- to four-family
residential properties
47 Secured by first liens n.a. 690,048 n.a.
48 Secured by junior liens n.a. 110,438 n.a.
49 Multifamily (five or more)
residential properties n.a. 60,398 n.a.
50 Nonfarm nonresidential
properties n.a. 474,858 n.a.
51 Loans to depository
institutions and
acceptances of other
banks 114,556 99,267 101,298
52 Commercial banks in the
United States n.a. n.a. 69,175
53 Other depository
institutions in the
United States n.a. n.a. 8,910
54 Banks in foreign countries n.a. n.a. 23,213
55 Loans to finance agricultural
production and other
loans to farmers 48,608 47,758 12,547
56 Commercial and industrial
loans 1,017,577 858,620 784,432
57 U.S. addressees (domicile) n.a. n.a. 634,335
58 Non-U.S. addressees
(domicile) n.a. n.a. 150,097
59 Loans to individuals for
household, family, and
other personal
expenditures (includes
purchased paper) 583,715 540,183 340,524
60 Credit cards 205,464 189,388 114,927
61 Other revolving credit plans 25,932 23,601 20,911
62 Other consumer loans
(including single-
payment, installment,
and all student loans) 352,319 327,194 204,686
63 Obligations (other than
securities) of states
and political
subdivisions in the
United States
(includes nonrated
industrial development
obligations) 22,634 22,559 15,064
64 All other loans 130,218 103,933 119,686
65 Loans to foreign governments
and official
institutions 5,745 1,988 5,720
66 Other loans 124,473 101,945 113,966
67 Loans for purchasing and
carrying securities n.a. n.a. n.a.
68 All other loans (excludes
consumer loans) n.a. n.a. n.a.
69 Lease-financing receivables 165,491 158,919 146,925
70 Trading assets 313,546 n.a. 311,933
71 Premises and fixed assets
(including capitalized
leases) 75,690 n.a. 45,714
72 Other real estate owned 3,426 n.a. 1,746
73 Investments in
unconsolidated
subsidiaries and
associated companies 9,315 n.a. 8,180
74 Customers' liability on
acceptances
outstanding 7,552 n.a. 7,334
75 Net due form own foreign
offices, Edge Act and
agreement subsi-
diaries, and IBFs n.a. n.a. n.a.
76 Intangible assets 104,784 n.a. 88,244
77 Goodwill 62,262 n.a. 51,340
78 Other intangible assets 42,522 n.a. 36,904
79 All other assets 284,463 n.a. 218,237
80 Total liabilities, minority
interest, and equity
capital 6,272,642 n.a. 4,254,061
81 Total liabilities 5,718,996 4,961,347 3,892,673
82 Total deposits 4,208,144 3,528,686 2,715,028
83 Individuals, partnerships,
and corporations
(include all certified
and official checks) 3,787,533 3,302,383 2,404,750
84 U.S. government n.a. 11,095 n.a.
85 States and political
subdivisions in the
United States n.a. 155,650 n.a.
86 Commercial banks and other
depository
institutions in the
United States 136,299 47,905 118,103
87 Banks in foreign countries 88,964 10,144 88,203
88 Foreign governments and
official institutions
(including foreign
central banks) 27,921 1,508 27,716
89 Total transaction accounts n.a. 648,755 n.a.
90 Individuals, partnerships,
and corporations
(include all certified
and official checks) n.a. 560,928 n.a.
91 U.S. government n.a. 1,223 n.a.
92 States and political
subidivisions in the
United States n.a. 47,449 n.a.
93 Commercial banks and other
depository
institutions in the
United States n.a. 32,124 n.a.
94 Banks in foreign
countries n.a. 6,538 n.a.
95 Foreign governments and
official institutions
(including foreign
central banks) n.a. 494 n.a.
96 Total demand deposits n.a. 499,343 n.a.
97 Total nontransaction
accounts n.a. 2,879,930 n.a.
98 Individuals, partnerships,
and corporations
(include all certified
and official checks) n.a. 2,741,454 n.a.
99 U.S. government n.a. 9,873 n.a.
100 States and political
subdivisions in the
United States n.a. 108,201 n.a.
101 Commercial banks and other
depository
institutions in the
United States n.a. 15,782 n.a.
102 Banks in foreign countries n.a. 3,606 n.a.
103 Foreign governments and
official institutions
(including foreign
central banks) n.a. 1,015 n.a.
104 Federal funds purchased and
securities sold under
agreements to
repurchase 501,403 451,070 400,568
105 Trading liabilities 196,819 n.a. 196,304
106 Other borrowed money (includes
mortgage indebtedness
and obligations under
capitalized leases) 532,286 491,926 345,992
107 Banks' liability on
acceptances executed
and outstanding 7,561 5,422 7,342
108 Subordinated notes and
debentures to deposits 88,951 n.a. 80,931
109 Net due to own foreign
offices, Edge Act and
agreement subsi-
diaries, and IBFs n.a. n.a. n.a.
110 All other liabilities 183,832 n.a. 146,508
111 Minority interest in
consolidated
subsidiaries 7,514 n.a. 6,822
112 Total equity capital 546,132 n.a. 354,566
MEMO
113 Trading assets at large
banks (2) 313,435 165,624 311,903
114 U.S. Treasury securities
(domestic offices) n.a. 15,676 n.a.
115 U.S. government agency
obligations (excluding
MBS) n.a. 7,691 n.a.
116 Securities issued by states
and political
subdivisions in the
United States n.a. 1,508 n.a.
117 Mortgage-backed securities n.a. 9,368 n.a.
118 Other debt securities n.a. 33,105 n.a.
119 Other trading assets n.a. 16,897 n.a.
120 Trading assets in foreign
offices 86,583 0 86,583
121 Revaluation gains on
interest rate, foreign
exchange rate, and
other commodity and
equity contracts 142,605 81,378 142,258
122 Total individual retirement
(IRA) and Keogh plan
accounts n.a. 161,368 n.a.
123 Total brokered deposits n.a. 221,632 n.a.
124 Fully insured brokered
deposits n.a. 159,993 n.a.
125 Issued in denominations of
less than $100,000 n.a. 75,538 n.a.
126 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. 84,454 n.a.
127 Money market deposit accounts
(MMDAs) n.a. 1,081,492 n.a.
128 Other savings deposits
(excluding MMDAs) n.a. 460,530 n.a.
129 Total time deposits of less
than $100,000 n.a. 770,871 n.a.
130 Total time deposits of
$100,000 or more n.a. 567,038 n.a.
131 Number of banks 8,151 8,151 144
Banks Banks
with with
foreign domestic
offices offices
(1) only (2)
Item Domestic Total
1 Total assets 3,496,412 2,018,581
2 Cash and balances due from
depository
institutions 161,788 95,120
3 Cash items in process of
collection, unposted
debits, and currency
and coin 119,801 n.a.
4 Cash items in process of
collection and
unposted debits 97,746 n.a.
5 Currency and coin 22,055 n.a.
6 Balances due from depository
institutions in the
United States 25,863 n.a.
7 Balances due from banks in
foreign countries and
foreign central banks 5,253 n.a.
8 Balances due from Federal
Reserve Banks 10,870 n.a.
9 Total securities, held-to-
maturity (amortized
cost) and available-
for-sale (fair value) n.a. 460,233
10 U.S. Treasury securities n.a. 21,664
11 U.S. government agency and
corporation
obligations (excludes
mortgage-backed
securities) n.a. 115,017
12 Issued by U.S. government
agencies n.a. 2,666
13 Issued by U.S. government-
sponsored agencies n.a. 112,351
14 Securities issued by states
and political
subdivisions in the
United States n.a. 61,496
15 Mortgage-backed securities
(MBS) n.a. 180,781
16 Pass-through securities n.a. 93,200
17 Guaranteed by GNMA n.a. 32,606
18 Issued by FNMA and FHLMC n.a. 58,506
19 Other pass-through
securities n.a. 2,088
20 Other mortgage-backed
securities (includes
CMOs, REMICs, and
stripped MBS) n.a. 87,581
21 Issued or guaranteed by
FNMA, FHLMC or GNMA n.a. 49,353
22 Collateralized by MBS
issued or guaranteed
by FNMA, FHLMC,
or GNMA n.a. 1,751
23 All other mortgage-
backed securities n.a. 36,477
24 Asset-backed securities n.a. 48,729
25 Credit card receivables n.a. 24,032
26 Home equity lines n.a. 3,373
27 Automobile loans n.a. 12,053
28 Other consumer loans n.a. 517
29 Commercial and industrial
loans n.a. 2,240
30 Other n.a. 6,513
31 Other debt securities n.a. 25,963
32 Other domestic debt
securities n.a. 21,205
33 Foreign debt securities n.a. 4,758
34 Investments in mutual
funds and other equity
securities with
readily determinable
fair value n.a. 6,582
35 Federal funds sold and
securities purchased
under agreements to
resell 172,957 78,620
36 Total loans and leases (gross)
and lease-financing
receivables (net) 2,230,145 1,289,750
37 LESS: Unearned income on
loans 810 1,280
38 LESS: Loans and leases held
for sale n.a. 31,260
39 Total loans and leases (net of
unearned income) n.a. 1,257,211
40 LESS: Allowance for loan and
lease losses n.a. 21,250
41 Loans and leases, net of
unearned income and
allowance n.a. 1,235,960
Total loans and leases, gross,
by category
42 Loans secured by real estate 961,230 727,426
43 Construction and land
development 94,798 87,963
44 Farmland 7,125 28,033
45 One- to four-family
residential properties 597,869 337,613
46 Revolving, open-end loans,
extended under lines
of credit 93,985 41,010
Closed-end loans secured by
one- to four-family
residential properties
47 Secured by first liens 435,058 254,990
48 Secured by junior liens 68,825 41,613
49 Multifamily (five or more)
residential properties 32,408 27,989
50 Nonfarm nonresidential
properties 229,030 245,828
51 Loans to depository
institutions and
acceptances of other
banks 86,008 13,258
52 Commercial banks in the
United States 68,339 n.a.
53 Other depository
institutions in the
United States 8,895 n.a.
54 Banks in foreign countries 8,774 n.a.
55 Loans to finance agricultural
production and other
loans to farmers 11,697 36,061
56 Commercial and industrial
loans 625,475 233,145
57 U.S. addressees (domicile) 615,570 n.a.
58 Non-U.S. addressees
(domicile) 9,905 n.a.
59 Loans to individuals for
household, family, and
other personal
expenditures (includes
purchased paper) 296,992 243,191
60 Credit cards 98,851 90,537
61 Other revolving credit plans 18,580 5,021
62 Other consumer loans
(including single-
payment, installment,
and all student loans) 179,562 147,633
63 Obligations (other than
securities) of states
and political
subdivisions in the
United States
(includes nonrated
industrial development
obligations) 14,989 7,570
64 All other loans 93,401 10,532
65 Loans to foreign governments
and official
institutions 1,963 25
66 Other loans 91,438 10,507
67 Loans for purchasing and
carrying securities 18,849 n.a.
68 All other loans (excludes
consumer loans) 72,589 n.a.
69 Lease-financing receivables 140,353 18,566
70 Trading assets n.a. 1,613
71 Premises and fixed assets
(including capitalized
leases) n.a. 29,976
72 Other real estate owned n.a. 1,680
73 Investments in
unconsolidated
subsidiaries and
associated companies n.a. 1,135
74 Customers' liability on
acceptances
outstanding n.a. 218
75 Net due form own foreign
offices, Edge Act and
agreement subsi-
diaries, and IBFs 27,494 n.a.
76 Intangible assets n.a. 16,539
77 Goodwill n.a. 10,921
78 Other intangible assets n.a. 5,618
79 All other assets n.a. 66,226
80 Total liabilities, minority
interest, and equity
capital n.a. 2,018,581
81 Total liabilities 3,135,024 1,826,323
82 Total deposits 2,035,570 1,493,116
83 Individuals, partnerships,
and corporations
(include all certified
and official checks) 1,919,600 1,382,783
84 U.S. government 10,133 962
85 States and political
subdivisions in the
United States 65,440 90,210
86 Commercial banks and other
depository
institutions in the
United States 29,709 18,196
87 Banks in foreign countries 9,384 761
88 Foreign governments and
official institutions
(including foreign
central banks) 1,303 205
89 Total transaction accounts 357,985 290,770
90 Individuals, partnerships,
and corporations
(include all certified
and official checks) 306,998 253,930
91 U.S. government 761 462
92 States and political
subidivisions in the
United States 21,324 26,125
93 Commercial banks and other
depository
institutions in the
United States 22,188 9,936
94 Banks in foreign
countries 6,247 291
95 Foreign governments and
official institutions
(including foreign
central banks) 468 26
96 Total demand deposits 313,094 186,248
97 Total nontransaction
accounts 1,677,585 1,202,346
98 Individuals, partnerships,
and corporations
(include all certified
and official checks) 1,612,602 1,128,853
99 U.S. government 9,372 500
100 States and political
subdivisions in the
United States 44,117 64,084
101 Commercial banks and other
depository
institutions in the
United States 7,521 8,261
102 Banks in foreign countries 3,137 469
103 Foreign governments and
official institutions
(including foreign
central banks) 836 179
104 Federal funds purchased and
securities sold under
agreements to
repurchase 350,235 100,835
105 Trading liabilities n.a. 515
106 Other borrowed money (includes
mortgage indebtedness
and obligations under
capitalized leases) 305,632 186,294
107 Banks' liability on
acceptances executed
and outstanding 5,203 219
108 Subordinated notes and
debentures to deposits n.a. 8,020
109 Net due to own foreign
offices, Edge Act and
agreement subsi-
diaries, and IBFs 154,287 n.a.
110 All other liabilities n.a. 37,324
111 Minority interest in
consolidated
subsidiaries n.a. 691
112 Total equity capital n.a. 191,566
MEMO
113 Trading assets at large
banks (2) 164,092 1,532
114 U.S. Treasury securities
(domestic offices) 15,648 29
115 U.S. government agency
obligations (excluding
MBS) 7,210 481
116 Securities issued by states
and political
subdivisions in the
United States 1,292 216
117 Mortgage-backed securities 9,048 321
118 Other debt securities 33,071 33
119 Other trading assets 16,792 105
120 Trading assets in foreign
offices 0 0
121 Revaluation gains on
interest rate, foreign
exchange rate, and
other commodity and
equity contracts 81,031 347
122 Total individual retirement
(IRA) and Keogh plan
accounts 78,340 83,028
123 Total brokered deposits 105,681 115,951
124 Fully insured brokered
deposits 65,988 94,005
125 Issued in denominations of
less than $100,000 22,075 53,463
126 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 43,913 40,541
127 Money market deposit accounts
(MMDAs) 712,708 368,784
128 Other savings deposits
(excluding MMDAs) 288,348 172,182
129 Total time deposits of less
than $100,000 353,222 417,649
130 Total time deposits of
$100,000 or more 323,307 243,731
131 Number of banks n.a. 8,007
NOTE. The notation "n.a." indicates the lesser detail available from
banks that don't 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 6-10, 2001
A. Commercial and industrial loans made by all commercial banks (1)
Average
Weighted- Amount of loan
average loans size
Item effective (millions (thousands
loan rate of dollars) of dollars)
(percent) (2)
LOAN RISK (5)
1 All commercial and
industrial loans 5.61 103,101 692
2 Minimal risk 4.50 3,747 531
3 Low risk 4.81 25,632 1,689
4 Moderate risk 5.57 29,296 540
5 Other 6.16 22,335 474
By maturity/repricing
interval (6)
6 Zero interval 6.01 24,536 449
7 Minimal risk 5.99 323 174
8 Low risk 4.96 3,279 647
9 Moderate risk 6.09 7,006 332
10 Other 7.39 3,139 149
11 Daily 5.15 28,828 710
12 Minimal risk 4.02 1,557 1,651
13 Low risk 4.50 6,423 3,823
14 Moderate risk 5.13 9,597 726
15 Other 5.87 6,629 533
16 2 to 30 days 5.84 21,778 1,279
17 Minimal risk 4.34 915 1,526
18 Low risk 5.16 7,064 2,389
19 Moderate risk 5.48 5,210 907
20 Other 5.91 4,031 598
21 31 to 365 days 5.42 24,189 1,010
22 Minimal risk 4.83 915 299
23 Low risk 4.73 7,921 1,921
24 Moderate risk 5.31 5,514 654
25 Other 5.94 8,053 2,260
26 More than 365 days 7.02 2,461 236
27 Minimal risk 7.47 29 53
28 Low risk 6.64 153 120
29 Moderate risk 6.86 1,778 383
30 Other 7.89 383 159
Weighted-
average
risk
rating (5)
SIZE OF LOAN
(thousands of dollars)
31 1-99 7.73 2,566 3.3
32 100-999 6.89 9,816 3.3
33 1,000-9,999 5.62 31,731 3.1
34 10,000 or more 5.30 58,988 2.8
BASE RATE OF LOAN (4)
35 Prime (7) 7.50 22,260 3.2
36 Fed funds 4.55 18,553 2.9
37 Other domestic 4.76 11,791 2.7
38 Foreign 5.33 35,768 2.9
39 Other 5.42 14,729 3.1
Amount of loans (percent)
Weighted-
average
Item maturity (3) Secured by Callable
collateral
Days
LOAN RISK (5)
1 All commercial and
industrial loans 399 36.1 10.0
2 Minimal risk 138 17.1 14.0
3 Low risk 400 21.2 10.9
4 Moderate risk 578 40.8 8.3
5 Other 336 44.9 6.0
By maturity/repricing
interval (6)
6 Zero interval 434 55.0 6.9
7 Minimal risk 321 52.5 6.6
8 Low risk 503 34.9 4.6
9 Moderate risk 663 44.4 14.2
10 Other 553 74.5 16.3
11 Daily 243 28.1 6.8
12 Minimal risk 32 3.0 5.3
13 Low risk 259 13.4 10.3
14 Moderate risk 322 29.8 4.4
15 Other 178 50.5 5.3
16 2 to 30 days 391 27.5 19.8
17 Minimal risk 71 8.3 11.2
18 Low risk 458 18.6 13.3
19 Moderate risk 473 43.0 10.7
20 Other 417 46.1 6.2
21 31 to 365 days 404 26.9 3.3
22 Minimal risk 229 34.4 33.4
23 Low risk 403 15.7 3.0
24 Moderate risk 612 40.6 2.0
25 Other 264 25.5 1.1
Months
26 More than 365 days 60 79.9 10.3
27 Minimal risk 103 92.7 18.5
28 Low risk 48 69.9 5.3
29 Moderate risk 59 80.7 9.8
30 Other 72 86.5 14.9
Weighted-
average
maturity/
repricing
interval (6)
SIZE OF LOAN Days
(thousands of dollars)
31 1-99 151 84.7 26.2
32 100-999 109 72.8 17.3
33 1,000-9,999 47 37.9 7.2
34 10,000 or more 50 26.9 9.6
BASE RATE OF LOAN (4)
35 Prime (7) 108 60.1 29.2
36 Fed funds 18 31.1 5.9
37 Other domestic 10 14.1 12.8
38 Foreign 39 27.3 1.5
39 Other 112 45.2 4.5
Most
common
Subject to Made under base pricing
Item prepayment commitment rate (4)
penalty
LOAN RISK (5)
1 All commercial and
industrial loans 36.4 73.7 Foreign
2 Minimal risk 31.6 50.5 Foreign
3 Low risk 46.4 85.7 Foreign
4 Moderate risk 37.0 83.5 Foreign
5 Other 38.3 80.4 Foreign
By maturity/repricing
interval (6)
6 Zero interval 22.5 59.9 Prime
7 Minimal risk 16.9 94.2 Prime
8 Low risk 73.7 95.5 Domestic
9 Moderate risk 38.0 94.4 Prime
10 Other 12.4 91.5 Prime
11 Daily 40.1 65.3 Fed funds
12 Minimal risk 34.4 40.6 Fed funds
13 Low risk 47.7 69.2 Fed funds
14 Moderate risk 37.4 75.2 Fed funds
15 Other 28.9 66.8 Fed funds
16 2 to 30 days 35.8 90.5 Foreign
17 Minimal risk 35.1 59.7 Foreign
18 Low risk 37.6 96.4 Foreign
19 Moderate risk 38.6 87.4 Foreign
20 Other 29.6 88.1 Foreign
21 31 to 365 days 51.6 87.1 Foreign
22 Minimal risk 28.7 43.3 Foreign
23 Low risk 47.1 94.1 Foreign
24 Moderate risk 45.9 93.9 Foreign
25 Other 61.8 83.6 Foreign
26 More than 365 days 7.0 48.1 Prime
27 Minimal risk 36.0 25.1 Other
28 Low risk 22.5 57.2 Other
29 Moderate risk 2.4 40.9 Prime
30 Other 20.3 75.6 Other
SIZE OF LOAN
(thousands of dollars)
31 1-99 3.6 81.6 Prime
32 100-999 10.5 83.3 Prime
33 1,000-9,999 36.5 72.4 Foreign
34 10,000 or more 42.1 72.5 Foreign
Average size
(thousands
of dollars)
BASE RATE OF LOAN (4)
35 Prime (7) 3.2 75.4 219
36 Fed funds 29.1 46.7 6,139
37 Other domestic 80.5 64.8 3,505
38 Foreign 52.0 88.8 3,096
39 Other 22.5 75.6 502
B. Commercial and industrial loans made by all domestic banks (1)
Weighted- Average
average Amount loan Weighted-
Item effective of loans size average
loan rate (millions (thousands maturity
(percent) of of (3)
(2) dollars) dollars)
Days
LOAN RISK (5)
1 All commercial
and indus-
trial loans 5.68 65,900 464 578
2 Minimal risk 4.99 1,894 273 266
3 Low risk 4.79 19,269 1,341 470
4 Moderate risk 5.73 22,155 424 747
5 Other 6.64 11,666 263 602
By maturity/
repricing
interval (6)
6 Zero interval 6.18 20,479 385 510
7 Minimal risk 5.91 308 166 321
8 Low risk 4.95 3,257 647 503
9 Moderate risk 6.04 6,711 323 664
10 Other 7.36 2,999 146 548
11 Daily 5.63 14,907 380 487
12 Minimal risk 5.57 107 120 459
13 Low risk 4.73 3,239 2,130 531
14 Moderate risk 5.47 5,985 468 524
15 Other 6.48 3,380 283 362
16 2 to 30 days 5.19 13,691 887 514
17 Minimal risk 4.39 638 1,141 90
18 Low risk 4.75 6,113 2,207 477
19 Moderate risk 5.28 4,009 776 565
20 Other 6.48 2,356 378 683
21 31 to 365 days 5.32 13,263 618 602
22 Minimal risk 4.92 805 265 253
23 Low risk 4.81 5,716 1,544 385
24 Moderate risk 5.52 3,481 447 933
25 Other 5.90 2,448 1,039 643
Months
26 More than 365
days 7.02 2,461 236 60
27 Minimal risk 7.47 29 53 103
28 Low risk 6.64 153 120 48
29 Moderate risk 6.86 1,778 383 59
30 Other 7.89 383 159 72
Weighted-
Weighted- average
average maturity/
risk repricing
rating interval
(5) (6)
Days
SIZE OF LOAN
(thousands of
dollars)
31 1-99 7.73 2,538 3.3 152
32 100-999 6.99 8,819 3.3 118
33 1,000-9,999 5.84 20,686 3.0 62
34 10,000 or more 5.09 33,858 2.6 75
BASE RATE
OF LOAN (4)
35 Prime (7) 7.25 17,387 3.3 135
36 Fed funds 4.59 6,298 2.7 40
37 Other domestic 4.77 8,023 2.7 9
38 Foreign 5.20 22,803 2.6 40
39 Other 5.50 11,389 2.9 145
Amount of loans (percent)
Most
Secured Subject Made common
Item by col- Cal- to pre- under base
lateral lable payment commit- pricing
penalty ment rate (4)
LOAN RISK (5)
1 All commercial
and indus-
trial loans 43.2 10.0 29.5 79.8 Foreign
2 Minimal risk 33.8 27.8 28.1 63.6 Foreign
3 Low risk 27.8 11.1 45.1 91.5 Foreign
4 Moderate risk 47.1 9.5 33.6 86.6 Prime
5 Other 64.1 10.5 23.5 91.4 Prime
By maturity/
repricing
interval (6)
6 Zero interval 47.8 8.3 26.9 63.0 Prime
7 Minimal risk 55.1 7.0 17.7 93.9 Prime
8 Low risk 35.1 4.6 74.2 95.5 Domestic
9 Moderate risk 45.1 14.8 39.5 94.1 Prime
10 Other 76.2 16.9 13.0 91.3 Prime
11 Daily 46.7 13.2 35.2 88.7 Prime
12 Minimal risk 43.5 78.0 4.3 93.9 Domestic
13 Low risk 26.6 20.4 60.8 95.1 Domestic
14 Moderate risk 47.8 7.1 42.4 85.2 Prime
15 Other 65.2 10.5 21.0 84.0 Prime
16 2 to 30 days 34.2 6.2 33.6 92.6 Foreign
17 Minimal risk 11.8 16.1 42.0 75.5 Foreign
18 Low risk 21.5 4.8 39.4 96.1 Foreign
19 Moderate risk 42.4 5.5 33.8 87.2 Foreign
20 Other 63.4 6.1 23.9 97.6 Foreign
21 31 to 365 days 31.1 5.8 29.6 92.5 Foreign
22 Minimal risk 39.1 38.0 24.2 39.7 Domestic
23 Low risk 20.4 4.1 32.5 95.1 Foreign
24 Moderate risk 38.2 3.2 24.7 97.0 Foreign
25 Other 43.9 3.3 41.1 98.0 Foreign
26 More than 365
days 79.9 10.3 7.0 48.1 Prime
27 Minimal risk 92.7 18.5 36.0 25.1 Other
28 Low risk 69.9 5.3 22.5 57.2 Other
29 Moderate risk 80.7 9.8 2.4 40.9 Prime
30 Other 86.5 14.9 20.3 75.6 Other
SIZE OF LOAN
(thousands of
dollars)
31 1-99 85.1 26.4 3.4 81.5 Prime
32 100-999 75.8 18.1 6.4 83.9 Prime
33 1,000-9,999 43.7 8.8 26.3 78.1 Foreign
34 10,000 or more 31.2 7.4 39.5 79.6 Foreign
Average
size
(thousands
of
dollars)
BASE RATE
OF LOAN (4)
35 Prime (7) 72.8 16.2 1.3 69.3 174
36 Fed funds 58.4 17.4 48.0 67.2 4,198
37 Other domestic 19.9 18.7 71.3 87.2 2,836
38 Foreign 28.8 2.3 31.7 85.6 2,587
39 Other 34.6 5.8 28.4 86.1 398
C. Commercial and industrial loans made by large domestic banks (1)
Weighted- Average
average Amount loan Weighted-
Item effective of loans size average
loan rate (millions (thousands maturity
(percent) of of (3)
(2) dollars) dollars)
Days
LOAN RISK (5)
1 All commercial
and indus-
trial loans 5.53 59,585 806 555
2 Minimal risk 4.30 1,282 1,801 160
3 Low risk 4.67 18,231 3,406 443
4 Moderate risk 5.56 20,187 730 711
5 Other 6.50 9,937 396 581
By maturity/
repricing
interval (6)
6 Zero interval 6.03 17,970 747 524
7 Minimal risk 5.18 184 615 228
8 Low risk 4.75 2,921 3,762 490
9 Moderate risk 5.86 5,928 564 688
10 Other 7.27 2,182 227 625
11 Daily 5.52 13,879 427 444
12 Minimal risk 4.80 77 525 68
13 Low risk 4.59 2,962 3,178 434
14 Moderate risk 5.33 5,598 524 482
15 Other 6.40 3,140 321 359
16 2 to 30 days 5.13 12,766 1,279 517
17 Minimal risk 4.22 418 3,319 90
18 Low risk 4.72 6,019 2,490 475
19 Moderate risk 5.20 3,807 1,173 548
20 Other 6.45 2,099 580 689
21 31 to 365 days 5.14 12,132 3,078 596
22 Minimal risk 3.98 591 6,095 179
23 Low risk 4.69 5,456 5,686 378
24 Moderate risk 5.33 3,219 1,915 885
25 Other 5.86 2,272 2,577 663
Months
26 More than 365
days 6.58 1,802 964 53
27 Minimal risk * * * *
28 Low risk 5.26 80 420 37
29 Moderate risk 6.60 1,472 1,590 55
30 Other 7.28 181 345 47
Weighted-
Weighted- average
average maturity/
risk repricing
rating interval
(5) (6)
Days
SIZE OF LOAN
(thousands of
dollars)
31 1-99 7.30 1,308 3.5 45
32 100-999 6.79 6,012 3.4 52
33 1,000-9,999 5.78 18,672 3.1 55
34 10,000 or more 5.09 33,593 2.6 76
BASE RATE
OF LOAN (4)
35 Prime (7) 7.15 13,550 3.3 137
36 Fed funds 4.51 6,157 2.6 4
37 Other domestic 4.75 7,949 2.7 8
38 Foreign 5.20 22,004 2.6 39
39 Other 5.29 9,924 3.0 110
Amount of loans (percent)
Most
Secured Subject Made common
Item by col- Cal- to pre- under base
lateral lable payment commit- pricing
penalty ment rate (4)
LOAN RISK (5)
1 All commercial
and indus-
trial loans 39.4 8.7 32.0 80.1 Foreign
2 Minimal risk 17.2 35.3 38.5 73.6 Foreign
3 Low risk 25.7 10.6 47.0 92.6 Foreign
4 Moderate risk 43.1 7.5 36.4 87.6 Prime
5 Other 60.1 7.6 26.3 92.0 *
By maturity/
repricing
interval (6)
6 Zero interval 43.3 6.0 30.2 59.7 Prime
7 Minimal risk 31.7 3.3 23.7 98.8 Prime
8 Low risk 32.1 3.6 82.4 99.6 Domestic
9 Moderate risk 40.2 11.5 44.2 94.6 Prime
10 Other 73.5 12.6 16.0 92.2 Prime
11 Daily 44.2 12.4 37.0 88.9 Prime
12 Minimal risk 22.1 79.5 * 99.6 Domestic
13 Low risk 24.7 20.8 64.2 95.5 Domestic
14 Moderate risk 44.9 6.2 44.9 85.5 Prime
15 Other 63.2 9.0 22.5 83.4 Prime
16 2 to 30 days 32.2 5.2 35.9 93.7 Foreign
17 Minimal risk 4.3 20.3 64.0 100.0 Foreign
18 Low risk 21.0 4.1 40.0 96.0 Foreign
19 Moderate risk 39.7 4.1 35.5 87.3 Foreign
20 Other 59.9 4.1 26.1 98.1 Foreign
21 31 to 365 days 26.8 4.9 31.9 94.8 Foreign
22 Minimal risk 19.8 49.7 30.9 43.3 Domestic
23 Low risk 17.4 3.2 34.0 96.2 Foreign
24 Moderate risk 34.4 2.8 25.5 99.0 Foreign
25 Other 41.7 1.2 44.3 98.9 Foreign
26 More than 365
days 74.2 6.2 2.4 50.2 Prime
27 Minimal risk * * * * *
28 Low risk 48.6 .6 * 98.4 Other
29 Moderate risk 78.1 5.2 2.2 42.4 Prime
30 Other 73.2 19.5 2.8 77.4 Other
SIZE OF LOAN
(thousands of
dollars)
31 1-99 84.8 26.5 1.7 88.8 Prime
32 100-999 71.2 14.9 5.4 87.3 Prime
33 1,000-9,999 41.2 7.9 28.6 78.0 Foreign
34 10,000 or more 31.0 7.4 39.8 79.6 Foreign
Average
size
(thousands
of
dollars)
BASE RATE
OF LOAN (4)
35 Prime (7) 69.2 12.4 .5 65.4 242
36 Fed funds 57.5 17.7 47.7 66.5 6,981
37 Other domestic 19.2 18.5 72.0 87.4 6,169
38 Foreign 28.0 2.3 32.8 85.3 2,980
39 Other 29.0 4.3 31.4 91.1 1,176
D. Commercial and industrial loans made by small domestic banks (1)
Weighted- Average
average Amount loan Weighted-
Item effective of loans size average
loan rate (millions (thousands maturity
(percent) of of (3)
(2) dollars) dollars)
Days
LOAN RISK (5)
1 All commercial
and indus-
trial loans 7.15 6,315 93 805
2 Minimal risk 6.43 613 99 496
3 Low risk 6.80 1,039 115 968
4 Moderate risk 7.52 1,967 80 1,137
5 Other 7.46 1,729 89 730
By maturity/
repricing
interval (6)
6 Zero interval 7.27 2,509 86 392
7 Minimal risk 6.98 124 80 470
8 Low risk 6.69 336 79 646
9 Moderate risk 7.40 783 76 461
10 Other 7.63 817 74 341
11 Daily 7.16 1,028 154 1,077
12 Minimal risk 7.55 30 40 1,419
13 Low risk 6.27 277 470 1,684
14 Moderate risk 7.47 387 184 1,150
15 Other 7.57 240 111 388
16 2 to 30 days 5.93 924 170 466
17 Minimal risk 4.72 220 508 90
18 Low risk 6.24 94 267 624
19 Moderate risk 6.77 202 105 894
20 Other 6.68 258 99 639
21 31 to 365 days 7.18 1,131 65 666
22 Minimal risk 7.52 214 73 458
23 Low risk 7.34 260 95 531
24 Moderate risk 7.77 262 43 1,528
25 Other 6.40 176 119 296
Months
26 More than 365
days 8.21 660 77 80
27 Minimal risk 8.12 23 44 109
28 Low risk 8.17 72 67 60
29 Moderate risk 8.11 307 83 79
30 Other 8.43 202 107 93
Weighted-
Weighted- average
average maturity/
risk repricing
rating interval
(5) (6)
Days
SIZE OF LOAN
(thousands of
dollars)
31 1-99 8.19 1,230 3.1 265
32 100-999 7.42 2,807 2.9 259
33 1,000-9,999 6.34 2,014 2.9 125
34 10,000 or more * * * *
BASE RATE
OF LOAN (4)
35 Prime (7) 7.58 3,837 3.2 127
36 Fed funds 8.01 141 3.4 1,397
37 Other domestic 7.28 74 3.0 197
38 Foreign 5.31 799 2.8 68
39 Other 6.93 1,465 2.5 386
Amount of loans (percent)
Most
Secured Subject Made common
Item by col- Cal- to pre- under base
lateral lable payment commit- pricing
penalty ment rate (4)
LOAN RISK (5)
1 All commercial
and indus-
trial loans 78.5 22.4 6.2 77.3 Prime
2 Minimal risk 68.6 12.1 6.2 42.8 Other
3 Low risk 65.4 18.7 10.9 70.8 Prime
4 Moderate risk 87.4 29.5 5.4 76.6 Prime
5 Other 87.0 27.2 7.7 87.9 Prime
By maturity/
repricing
interval (6)
6 Zero interval 80.2 24.7 3.6 87.0 Prime
7 Minimal risk 89.6 12.4 8.9 86.6 Prime
8 Low risk 60.7 13.2 2.9 59.3 Prime
9 Moderate risk 82.7 39.4 3.6 91.0 Prime
10 Other 83.7 28.2 5.0 88.9 Prime
11 Daily 79.4 23.1 9.8 86.6 Prime
12 Minimal risk 98.3 74.2 15.2 79.2 Prime
13 Low risk 47.8 15.8 24.4 90.0 Other
14 Moderate risk 89.8 19.2 6.4 80.4 Prime
15 Other 91.4 29.5 1.8 91.8 Prime
16 2 to 30 days 60.6 19.7 2.1 78.0 Foreign
17 Minimal risk 26.3 8.1 .1 28.9 Other
18 Low risk 58.0 43.4 .9 99.1 Prime
19 Moderate risk 94.2 32.0 1.6 85.2 Prime
20 Other 92.1 22.4 5.8 94.2 Prime
21 31 to 365 days 77.4 16.3 4.7 67.6 Other
22 Minimal risk 92.2 5.8 5.5 30.0 Other
23 Low risk 85.1 22.2 .2 71.5 Prime
24 Moderate risk 85.0 8.6 15.1 71.8 Other
25 Other 73.0 30.1 .2 87.7 Other
26 More than 365
days 95.4 21.5 19.6 42.4 Other
27 Minimal risk 100.0 23.1 45.0 7.8 Other
28 Low risk 93.4 10.4 47.5 11.4 Other
29 Moderate risk 93.6 32.0 3.1 33.7 Prime
30 Other 98.5 10.9 35.9 73.9 Other
SIZE OF LOAN
(thousands of
dollars)
31 1-99 85.5 26.2 5.2 73.8 Prime
32 100-999 85.4 24.9 8.4 76.8 Prime
33 1,000-9,999 66.9 17.6 4.7 79.1 Prime
34 10,000 or more * * * * *
Average
size
(thousands
of
dollars)
BASE RATE
OF LOAN (4)
35 Prime (7) 85.4 29.4 4.3 82.9 87
36 Fed funds 94.6 2.5 60.6 97.5 227
37 Other domestic 95.1 42.1 1.8 69.6 48
38 Foreign 51.6 2.6 2.9 93.1 558
39 Other 72.5 15.8 8.1 52.7 73
E. Commercial and industrial loans made by U.S. branches and agencies
of foreign banks (1)
Weighted- Average
average Amount loan Weighted-
Item effective of loans size average
loan rate (millions (thousands maturity
(percent) of of (3)
(2) dollars) dollars)
Days
LOAN RISK (5)
1 All commercial
and indus-
trial loans 5.48 37,200 5,258 63
2 Minimal risk 4.00 1,853 14,681 9
3 Low risk 4.88 6,362 7,908 179
4 Moderate risk 5.06 7,141 3,596 28
5 Other 5.63 10,669 4,043 64
By maturity/
repricing
interval (6)
6 Zero interval 5.17 4,057 2,790 33
7 Minimal risk * * * *
8 Low risk * * * *
9 Moderate risk 7.28 295 886 170
10 Other 7.90 140 315 729
11 Daily 4.64 13,921 9,777 2
12 Minimal risk 3.91 1,451 26,116 2
13 Low risk 4.25 3,185 19,917 1
14 Moderate risk 4.56 3,612 8,383 4
15 Other 5.24 3,249 6,845 1
16 2 to 30 days 6.94 8,087 5,053 35
17 Minimal risk * * * *
18 Low risk 7.83 951 5,090 76
19 Moderate risk 6.17 1,201 2,080 47
20 Other 5.11 1,675 3,263 35
21 31 to 365 days 5.55 10,927 4,395 163
22 Minimal risk * * * *
23 Low risk 4.50 2,205 5,220 450
24 Moderate risk 4.96 2,033 3,153 61
25 Other 5.96 5,605 4,645 100
Months
26 More than 365
days * * * *
27 Minimal risk * * * *
28 Low risk * * * *
29 Moderate risk * * * *
30 Other * * * *
Weighted-
Weighted- average
average maturity/
risk repricing
rating interval
(5) (6)
Days
SIZE OF LOAN
(thousands of
dollars)
31 1-99 7.14 28 3.7 19
32 100-999 6.00 998 3.5 24
33 1,000-9,999 5.21 11,045 3.3 19
34 10,000 or more 5.58 25,130 3.1 17
BASE RATE
OF LOAN (4)
35 Prime (7) 8.43 4,873 3.0 8
36 Fed funds 4.53 12,254 3.0 9
37 Other domestic 4.73 3,768 2.0 12
38 Foreign 5.56 12,965 3.2 36
39 Other 5.16 3,339 4.2 2
Amount of loans (percent)
Most
Secured Subject Made common
Item by col- Cal- to pre- under base
lateral lable payment commit- pricing
penalty ment rate (4)
LOAN RISK (5)
1 All commercial
and indus-
trial loans 23.6 9.9 48.6 62.9 Foreign
2 Minimal risk * * 35.3 37.1 Fed funds
3 Low risk 1.2 10.2 50.4 68.2 Fed funds
4 Moderate risk 21.4 4.8 47.6 73.9 Fed funds
5 Other 23.8 1.1 54.4 68.5 Foreign
By maturity/
repricing
interval (6)
6 Zero interval 91.6 .2 .3 44.1 Fed funds
7 Minimal risk * * * * *
8 Low risk * * * * *
9 Moderate risk 26.4 .7 4.2 99.3 Prime
10 Other 37.4 4.3 .7 95.9 Prime
11 Daily 8.2 * 45.3 40.3 Fed funds
12 Minimal risk * * 36.7 36.7 Fed funds
13 Low risk * * 34.3 42.9 Fed funds
14 Moderate risk .1 * 29.3 58.7 Fed funds
15 Other 35.2 * 37.1 48.8 Fed funds
16 2 to 30 days 16.4 42.9 39.5 86.8 Prime
17 Minimal risk * * * * *
18 Low risk * 68.2 25.7 98.3 Prime
19 Moderate risk 44.8 28.3 54.7 88.2 Foreign
20 Other 21.8 6.3 37.6 74.7 Fed funds
21 31 to 365 days 21.7 .1 78.2 80.4 Foreign
22 Minimal risk * * * * *
23 Low risk 3.5 .1 84.9 91.6 Foreign
24 Moderate risk 44.8 * 82.2 88.7 Foreign
25 Other 17.5 .2 70.8 77.4 Foreign
26 More than 365
days * * * * *
27 Minimal risk * * * * *
28 Low risk * * * * *
29 Moderate risk * * * * *
30 Other * * * * *
SIZE OF LOAN
(thousands of
dollars)
31 1-99 43.7 16.4 21.3 90.3 Prime
32 100-999 47.1 10.5 46.7 77.8 Foreign
33 1,000-9,999 27.0 4.2 55.7 61.8 Foreign
34 10,000 or more 21.1 12.4 45.6 62.8 Fed funds
Average
size
(thousands
of
dollars)
BASE RATE
OF LOAN (4)
35 Prime (7) 14.6 75.6 10.0 97.5 3,064
36 Fed funds 17.1 * 19.4 36.2 8,054
37 Other domestic 1.6 .2 100.0 17.1 7,041
38 Foreign 24.6 * 87.7 94.4 4,738
39 Other 81.3 .2 2.1 39.8 4,828
NOTE. The Survey of Terms of Business Lending collects data on gross
loan extensions made during the first full business 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 commercial
banks and all U.S. branches and agencies of foreign banks. Note that
the terms on loans extended during the survey week may differ from
those extended during other weeks of the quarter. The estimates
reported here are not intended to measure the average terms on all
business loans in bank portfolios.
(1.) As of December 31, 1996, assets of most of the large banks were at
least $7.0 billion. Median total assets for all insured banks were
roughly $62 million. Assets at all U.S. branches and agencies averaged
$1.3 billion.
(2.) Effective (compounded) annual interest rates are calculated from
the stated rate and other terms of the loans and weighted by loan
amount. The standard error of the loan rate for all commercial and
industrial loans in the current survey (line 1, column 1) is 0.23
percentage point. The chances are about two out of three that the
average rate shown would differ by less than this amount from the
average rate that would be found by a complete survey of the universe
of all banks.
(3.) Average maturities are weighted 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 Reserve System, Washington, DC 20551. The category "Moderate
risk" includes the average loan, under average economic conditions, at
the typical lender. The category "Other" includes loans rated
"acceptable" 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 acceptable risk
loans; and "5" to special mention and classified loans. These values
are weighted 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 reprice 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 is zero. For
floating-rate loans that have a scheduled repricing interval, 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 fixed 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 priced relative to a prime base rate, was 6.77
percent for all banks; 6.75 percent for large domestic banks, 6.88
percent for small domestic banks; and 6.75 percent for U.S. branches
and agencies of foreign banks.
COPYRIGHT 2001 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 2001, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.
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