Financial Services Industry
Industry: Email Alert RSS FeedGuide to special tables and statistical releases
Federal Reserve Bulletin, Nov, 2002
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.
Most PopularCBS MoneyWatch.com Articles
COPYRIGHT 2002 Board of Governors of the Federal Reserve System
COPYRIGHT 2004 Gale Group
- How to choose the right insurance carrier for your business
- Real Estate: Prepare your properties to weather what lies ahead
- Technology: Be prepared if part of your global supply chain goes missing
- 5 Rules for Immediate Annuities
- Death in the Family: 12 Things to Do Now
- Dumbest Things You Do With Your Money
- 6 Online Networking Mistakes to Avoid
- 401(k) Mistakes to Avoid
- 5 Economic Scenarios to Keep You Up at Night
- The Real ‘Best Places to Retire’
- Best Credit Cards for You
- 12 Tough Questions to Ask Your Parents
- The Real ‘Best Colleges’
- Home Buyer Tax Credit: How to Cash In
- Why You Shouldn't Bash Cash
- 8 Phony 'Bargains' and Better Alternatives
- Danger: 3 Debit Card Scams to Avoid
- 6 Myths About Gas Mileage
- 29 Fees We Hate Most
- Quick and Easy Ways to Boost Returns
- Best Stocks to Buy Now
- Lower Your Taxes: 10 Moves to Make Now
- New Jobs: 8 Lessons from Real-Life Career Switchers
- The New Job Market: Who Wins and Who Loses?
- Health Care Reform's Public Option: Everything You Need to Know
- Volunteer Work When Unemployed: Should You Work for Free?
- Whose Recovery Is This?
- Long-Term-Care Insurance: 4 Biggest Risks to Avoid
Content provided in partnership with
Most Recent Business Articles
- Multiple criteria evaluation and optimization of transportation systems
- Multi-criteria analysis procedure for sustainable mobility evaluation in urban areas
- A two-leveled multi-objective symbiotic evolutionary algorithm for the hub and spoke location problem
- Multi-criteria analysis for evaluating the impacts of intelligent speed adaptation
- The development of Taiwan arterial traffic-adaptive signal control system and its field test: a Taiwan experience
Most Recent Business Publications
Most Popular Business Articles
- 7 tips for effective listening: productive listening does not occur naturally. It requires hard work and practice - Back To Basics - effective listening is a crucial skill for internal auditors
- LIFO vs. FIFO: a return to the basics
- FAS 109: a primer for non-accountants - Financial Accounting Standards Board's "Statement 109: Accounting for Income Taxes"
- Too Young to Rent a Car? - 25-years-old the minimum age for car renting - Brief Article
- Design a commission plan that drives sales - Sales Commissions
Presented by American Express