2009 

August September October November Dec

Total Average Loan Balances $1,092.6 $1,077.2 $1,062.1 $1,052.6 

Change in Average Loan Balances ‐$17.8 ‐$15.4 ‐$15.1 ‐$9.5 

% Change in Average Loan Balances ‐2% ‐1% ‐1% ‐1% 

Total Originations $47.5 $48.4 $41.6 $44.9 

Change in Originations ‐$8.7 $1.0 ‐$6.8 $3.3 

% Change in Originations ‐15% 2% ‐14% 8% 

Changes are calculated from the previous month.

Notes:

1 July 2009 ‐ January 2010 data is adjusted to exclude CIT as they did not submit January 2010 data due to ongoing bankruptcy proceedings.

Data are not merger adjusted.

($ Billions)

Total Average Loan Balances and Total Loan Originations

Current Monthly Lending and Intermediation Snapshot Filers, August 2009 ‐ January 2010
Consumer

First Mortgages August September October November December 

Average Total Loan Balance $236 $233 $229 $228 $227 Originations $12 $9 $10 $10 $10 

HELOC

Average Total Loan Balance $158 $157 $156 $155 $154 Originations (New Lines+Line Increases) $1 $1 $1 $1 $1 Total Used and Unused Commitments $243 $242 $241 $237 $235 

U.S. Card

Average Total Loan Balance $152 $151 $150 $150 $150 New Account Originations (Initial Line Amt) $7 $7 $6 $7 $9 

Total Used and Unused Commitments $869 $873 $858 $845 $823 

Other Consumer

Average Total Loan Balance $107 $108 $107 $106 $106 Originations $4 $3 $2 $2 $3 

CommercialC & I

Average Total Loan and Lease Balance $251 $243 $237 $247 $242 

Renewal of Existing Accounts $13 $16 $12 $13 $16 

New Commitments $6 $6 $6 $8 $9 

CRE

Average Total Loan and Lease Balance $188 $185 $183 $167 $164 

Renewal of Existing Accounts $4 $5 $4 $4 $6 

$ $ $ $ $ 

Lending and Intermediation Activity

Current Montly Lending and Intermediation Snapshot Filers1

August 2009 ‐ January 2010

($ billions)

New Commitments $1 $2 $1 $1 $1 

Small Business (Memoranda)2

Average Total Loan Balance $58 $57 $57 $57 $56 Originations $2 $2 $2 $1 $2 

Other Intermediation Activities

MBS (net purchases) $24 $14 $23 $15 $24 ABS (net purchases) $5 $6 $6 $6 $5 Average Total Matched Book (Repo/Reverse Repo) $144 $145 $144 $151 $152 

Average Total Debit Balances $17 $17 $17 $16 $16 Total Equity Underwriting $0 $1 $0 $0 $4 Total Debt Underwriting $16 $47 $29 $31 $33 

Notes:1 August 2009 ‐ January 2010 data are adjusted to exclude CIT as they did not file January 2010 data due to ongoing bankruptcy proceedings.2 These loans are already accounted for in either consumer lending, commercial lending, or a combination of both.

Data are not merger adjusted.

Reliance on internal reporting means that aggregation by loan category varies for each reporting bank. Because of the differences in loan category definitions, comparisons 

levels across firms may be imperfect.
Consumer

First Mortgages August September October November December 

Average Total Loan Balance ‐2.6% ‐1.5% ‐1.7% ‐0.4% ‐0.4% 

Originations  ‐21.4% ‐23.1% 3.3% 1.0% 5.0% 

HELOC

Average Total Loan Balance ‐0.7% ‐0.6% ‐0.7% ‐0.8% ‐0.6% 

Originations (New Lines+Line Increases) ‐9.8% ‐11.9% ‐11.6% ‐10.4% 10.7% Total Used and Unused Commitments ‐0.8% ‐0.6% ‐0.4% ‐1.7% ‐0.8% 

U.S. Card

Average Total Loan Balance ‐0.1% ‐0.5% ‐0.4% ‐0.5% 0.6% 

New Account Originations (Initial Line Amt) ‐3.3% 5.1% ‐14.7% 18.9% 32.6% 

Total Used and Unused Commitments ‐4.7% 0.5% ‐1.8% ‐1.5% ‐2.6% 

Other Consumer

Average Total Loan Balance 0.1% 0.5% ‐0.7% ‐0.4% ‐0.6% 

Originations 79.4% ‐22.8% ‐36.3% ‐6.2% 34.6% 

CommercialC & I

Average Total Loan and Lease Balance ‐3.2% ‐3.1% ‐2.6% 4.2% ‐1.8% 

Renewal of Existing Accounts ‐25.1% 25.3% ‐25.7% 14.4% 21.5% 

New Commitments ‐22.9% 4.9% 8.6% 24.7% 12.7% 

CRE

Average Total Loan and Lease Balance ‐1.2% ‐1.5% ‐1.2% ‐8.8% ‐1.8% 

Renewal of Existing Accounts ‐22.0% 19.1% ‐15.6% ‐15.4% 61.4% 

New Commitments 10.0% 17.2% ‐33.6% ‐30.6% 98.6% 

Changes in Lending and Intermediation Activity

Current Monthly Lending and Intermediation Snapshot Filers1

August 2009 ‐ January 2010

Small Business (Memoranda)2

Average Total Loan Balance ‐1.0% ‐1.4% ‐0.7% 0.2% ‐1.0% 

Originations  ‐10.6% 10.4% ‐15.4% ‐6.2% 20.7% 

Other Intermediation Activities

MBS (net purchases) 26.4% ‐42.9% 63.6% ‐33.2% 61.4% 

ABS (net purchases) 3.1% 24.3% ‐2.7% 5.2% ‐12.0% 

Average Total Matched Book (Repo/Reverse Repo) 8.3% 1.0% ‐0.7% 4.7% 0.5% 

Average Total Debit Balances 10.2% ‐2.1% ‐2.4% ‐4.2% ‐1.6% 

Total Equity Underwriting 130.9% 92.8% ‐50.7% ‐44.2% 2313.7% Total Debt Underwriting ‐19.3% 203.4% ‐38.2% 5.9% 6.0% 

Notes:1 August 2009 ‐ January 2010 data are adjusted to exclude CIT as they did not file January 2010 data due to ongoing bankruptcy proceedings.

Reliance on internal reporting means that aggregation by loan category varies for each reporting bank. Because of the differences in loan category definitions, comparisons 

levels across firms may be imperfect.

Percentage changes are calculated from the prior month.

2 These loans are already accounted for in either consumer lending, commercial lending, or a combination of both.

Data are not merger adjusted.