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 DDP Print
   Survey of Terms of Business Lending - E.2 Current Release
Release Dates
Chart Data
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  **Note:**The Board of Governors has discontinued the Survey of Terms of Business Lending (STBL) and the associated E.2 release. The final STBL was conducted in May 2017, and the final E.2 was released on August 2, 2017. The STBL has been replaced by a new Small Business Lending Survey that commenced in February 2018.  The new survey is being managed and administered by the Federal Reserve Bank of Kansas City.  Results from this new survey can be found here.
   E.2 Survey of Terms of Business Lending MAY 1-5, 2017 1. Commercial and industrial loans made by all commercial banks 1 Maturity/repricing
                    interval 2 and
                    risk 3 of loans
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average
                    maturity 5
                Percent of value of loans
                Commitment statusSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7
                Percent
                    made under
                    commitment
                Average
                    months
                    since loan
                    terms set 8Days1.
            All C&I loans
            3.16
            106,647
            663
            826
            62.4
            27.3
            15.9
            0.2
            47.4
            81.7
            12.7A
            Minimal risk
            3.39
            3,040
            483
            681
            52.4
            16.5
            18.4
            0.0
            32.6
            68.6
            16.0B
            Low risk
            2.43
            20,237
            1,178
            561
            50.6
            39.1
            13.1
            0.1
            32.7
            76.3
            15.0C
            Moderate risk
            3.12
            44,729
            710
            1,004
            54.6
            28.0
            16.7
            0.1
            45.6
            80.1
            9.0D
            Other
            3.68
            25,217
            410
            577
            71.0
            28.3
            24.0
            0.7
            37.5
            81.1
            14.3
        2.
            Zero interval
            3.79
            26,060
            451
            886
            56.2
            23.1
            44.4
            0.2
            47.5
            90.8
            12.2A
            Minimal risk
            2.88
            820
            1,001
            519
            62.0
            11.0
            18.4
            0.1
            34.9
            92.6
            18.3B
            Low risk
            3.24
            3,366
            658
            920
            47.9
            12.8
            44.6
            0.0
            55.9
            79.5
            16.8C
            Moderate risk
            3.76
            12,085
            517
            992
            46.0
            19.1
            44.6
            0.1
            47.7
            92.3
            9.8D
            Other
            4.09
            9,622
            351
            806
            71.1
            32.9
            46.4
            0.5
            44.6
            92.8
            13.4
        3.
            Daily
            1.86
            12,401
            2,050
            154
            72.4
            43.4
            4.7
            0.0
            18.4
            33.6
            17.9A
            Minimal risk
            3.75
            53
            1,074
            999
            29.1
            6.5
            83.7
            0.0
            5.3
            100.0
            13.0B
            Low risk
            1.74
            2,110
            4,016
            89
            63.3
            45.1
            5.5
            0.0
            4.0
            29.2
            7.0C
            Moderate risk
            1.74
            6,666
            1,941
            125
            74.8
            59.7
            3.6
            0.0
            11.6
            25.0
            8.8D
            Other
            2.18
            2,398
            1,473
            92
            62.3
            18.8
            6.3
            0.1
            11.7
            28.7
            19.7
        4.
            2 to 30 days
            2.75
            32,674
            736
            619
            62.2
            36.6
            8.4
            0.0
            48.7
            81.1
            12.1A
            Minimal risk
            3.02
            1,155
            405
            667
            47.4
            23.3
            21.3
            0.0
            36.4
            54.6
            4.5B
            Low risk
            2.13
            8,954
            1,272
            398
            46.9
            59.7
            6.8
            0.0
            30.9
            80.7
            9.4C
            Moderate risk
            2.84
            11,136
            720
            772
            56.9
            34.8
            8.9
            0.0
            56.2
            79.3
            9.7D
            Other
            3.35
            7,278
            404
            301
            73.7
            30.8
            12.1
            0.1
            31.9
            77.9
            16.3
        5.
            31 to 365 days
            3.36
            23,595
            709
            930
            78.6
            11.7
            3.5
            0.6
            68.3
            91.7
            13.9A
            Minimal risk
            3.46
            500
            269
            467
            81.4
            2.1
            8.3
            0.0
            30.3
            35.5
            4.6B
            Low risk
            2.54
            3,686
            957
            440
            56.2
            13.7
            2.7
            0.3
            34.7
            81.0
            23.1C
            Moderate risk
            3.16
            7,889
            510
            1,225
            79.0
            13.3
            5.7
            0.3
            76.2
            94.6
            10.3D
            Other
            3.80
            4,697
            561
            484
            67.7
            19.1
            4.8
            2.1
            39.9
            89.2
            14.4Months6.
            More than 365 days
            3.81
            11,625
            836
            57
            32.9
            25.6
            9.7
            0.1
            33.4
            93.8
            11.0A
            Minimal risk
            4.92
            513
            712
            33
            22.2
            24.9
            14.8
            0.0
            25.4
            90.6
            32.4B
            Low risk
            2.95
            2,112
            3,441
            47
            48.2
            32.3
            15.0
            0.0
            28.1
            91.5
            23.7C
            Moderate risk
            3.75
            6,849
            1,752
            63
            17.6
            19.3
            5.1
            0.1
            23.3
            96.7
            5.1D
            Other
            4.93
            1,117
            224
            57
            85.1
            32.8
            27.2
            0.8
            59.0
            79.1
            6.0Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.17
            3,849
            3.3
            171
            93.4
            4.5
            40.7
            1.5
            21.6
            81.5
            8.08.
            100 - 999
            3.93
            13,623
            3.2
            106
            87.5
            11.7
            38.2
            0.6
            20.4
            72.8
            11.89.
            1,000 - 9,999
            3.35
            24,518
            3.2
            149
            63.1
            26.8
            25.0
            0.4
            54.0
            88.2
            15.610.
            10,000+
            2.86
            64,656
            2.9
            246
            55.0
            32.1
            6.3
            0.0
            52.2
            81.2
            12.0Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.73
            16,972
            3.2
            118
            72.2
            7.1
            257
            1.0
            42.9
            88.6
            11.912.
            Other
            2.86
            89,675
            3.0
            219
            60.6
            31.1
            946
            0.1
            48.3
            80.4
            12.9  2. Commercial and industrial loans made by domestic banks 1 Maturity/repricing
                    interval 2 and
                    risk 3 of loans
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average
                    maturity 5
                Percent of value of loans
                Commitment statusSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7
                Percent
                    made under
                    commitment
                Average
                    months
                    since loan
                    terms set 8Days1.
            All C&I loans
            3.51
            77,233
            491
            1,037
            67.2
            14.2
            20.4
            0.3
            52.8
            90.2
            12.6A
            Minimal risk
            3.71
            2,328
            378
            679
            64.4
            8.4
            22.2
            0.0
            20.5
            59.0
            21.4B
            Low risk
            2.94
            11,565
            704
            827
            54.0
            12.3
            21.0
            0.1
            35.7
            80.9
            20.0C
            Moderate risk
            3.54
            33,375
            538
            1,261
            54.4
            14.7
            21.1
            0.1
            51.4
            94.0
            8.4D
            Other
            3.92
            17,602
            293
            715
            79.5
            25.0
            31.3
            1.0
            39.6
            86.8
            13.2
        2.
            Zero interval
            3.73
            25,130
            440
            876
            56.7
            23.9
            44.2
            0.2
            46.8
            90.5
            11.5A
            Minimal risk
            2.80
            778
            972
            486
            61.0
            11.6
            19.4
            0.1
            31.4
            92.2
            16.3B
            Low risk
            3.21
            3,297
            649
            919
            48.3
            13.0
            44.4
            0.0
            55.2
            79.0
            16.5C
            Moderate risk
            3.74
            11,933
            514
            986
            46.1
            19.4
            44.3
            0.1
            47.6
            92.2
            9.7D
            Other
            3.98
            8,999
            333
            784
            72.8
            35.2
            46.4
            0.6
            43.6
            92.3
            12.1
        3.
            Daily
            2.77
            3,063
            552
            512
            92.2
            5.5
            18.8
            0.1
            59.3
            97.7
            20.0A
            Minimal risk
            3.91
            48
            1,403
            1,109
            26.2
            7.2
            92.3
            0.0
            1.4
            100.0
            14.3B
            Low risk
            3.54
            244
            619
            665
            71.6
            37.2
            47.8
            0.1
            1.9
            99.2
            10.0C
            Moderate risk
            2.94
            1,296
            394
            466
            93.9
            3.7
            18.4
            0.0
            46.2
            97.9
            7.5D
            Other
            3.94
            301
            212
            442
            91.9
            9.1
            49.6
            0.7
            23.9
            96.6
            20.7
        4.
            2 to 30 days
            3.26
            18,320
            425
            864
            79.5
            10.8
            14.2
            0.1
            57.6
            84.8
            13.6A
            Minimal risk
            3.96
            604
            217
            808
            88.5
            0.9
            40.7
            0.0
            10.6
            13.2
            25.4B
            Low risk
            2.99
            3,121
            465
            716
            61.2
            5.1
            19.6
            0.0
            31.1
            72.8
            13.9C
            Moderate risk
            3.45
            6,404
            425
            986
            68.9
            16.8
            14.1
            0.1
            64.9
            92.8
            8.8D
            Other
            3.56
            4,272
            244
            365
            89.9
            17.1
            19.0
            0.1
            34.4
            77.8
            17.6
        5.
            31 to 365 days
            3.41
            19,887
            612
            999
            85.0
            4.4
            4.0
            0.7
            69.4
            92.1
            13.6A
            Minimal risk
            3.56
            428
            236
            461
            95.0
            2.5
            9.7
            0.0
            18.6
            24.8
            7.7B
            Low risk
            2.59
            2,964
            816
            392
            57.7
            7.5
            3.0
            0.4
            30.7
            83.6
            26.8C
            Moderate risk
            3.21
            6,991
            458
            1,277
            84.1
            5.1
            6.4
            0.3
            76.2
            95.1
            9.9D
            Other
            3.96
            2,988
            371
            559
            80.6
            9.8
            7.6
            3.3
            33.3
            85.8
            12.2Months6.
            More than 365 days
            3.81
            10,542
            770
            59
            29.6
            18.1
            5.1
            0.2
            26.6
            93.2
            9.5A
            Minimal risk
            5.00
            471
            655
            33
            15.2
            18.1
            7.2
            0.0
            18.7
            89.8
            33.6B
            Low risk
            2.84
            1,930
            3,306
            47
            44.1
            26.8
            7.8
            0.0
            21.3
            90.7
            24.9C
            Moderate risk
            3.73
            6,646
            1,721
            64
            15.8
            16.9
            2.2
            0.1
            21.0
            96.6
            4.7D
            Other
            4.83
            937
            190
            61
            88.1
            19.9
            13.2
            1.0
            51.1
            75.1
            4.3Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.17
            3,832
            3.3
            171
            93.6
            4.5
            40.8
            1.5
            21.4
            81.5
            8.08.
            100 - 999
            3.93
            13,199
            3.2
            106
            88.6
            11.0
            38.2
            0.6
            19.0
            72.3
            11.49.
            1,000 - 9,999
            3.44
            19,425
            3.1
            153
            66.8
            20.5
            28.0
            0.5
            54.3
            90.4
            14.910.
            10,000+
            3.35
            40,777
            2.9
            365
            58.0
            13.1
            9.1
            0.0
            66.0
            96.7
            12.3Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.71
            15,748
            3.2
            80
            73.1
            3.7
            241
            1.1
            40.0
            87.9
            11.012.
            Other
            3.20
            61,485
            3.0
            303
            65.7
            16.8
            668
            0.1
            56.1
            90.8
            13.0  3. Commercial and industrial loans made by large domestic banks 1 Maturity/repricing
                    interval 2 and
                    risk 3 of loans
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average
                    maturity 5
                Percent of value of loans
                Commitment statusSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7
                Percent
                    made under
                    commitment
                Average
                    months
                    since loan
                    terms set 8Days1.
            All C&I loans
            3.43
            71,992
            593
            1,035
            65.6
            14.7
            17.6
            0.1
            54.1
            91.0
            13.1A
            Minimal risk
            3.69
            2,140
            446
            644
            64.1
            8.7
            21.3
            0.0
            20.6
            58.8
            23.3B
            Low risk
            2.91
            11,047
            788
            790
            53.6
            12.7
            19.6
            0.0
            36.6
            81.2
            20.5C
            Moderate risk
            3.48
            31,521
            654
            1,274
            52.4
            15.0
            19.3
            0.1
            52.7
            94.7
            8.7D
            Other
            3.76
            15,107
            345
            667
            76.9
            28.0
            24.9
            0.3
            39.4
            88.4
            14.2
        2.
            Zero interval
            3.63
            22,739
            577
            897
            52.9
            26.2
            40.1
            0.1
            47.9
            91.3
            12.1A
            Minimal risk
            2.79
            770
            1,154
            487
            60.6
            11.7
            19.0
            0.1
            31.3
            92.1
            16.5B
            Low risk
            3.17
            3,153
            746
            916
            47.7
            13.6
            42.3
            0.0
            57.2
            78.9
            16.1C
            Moderate risk
            3.69
            11,162
            676
            1,002
            42.9
            20.4
            42.1
            0.0
            49.5
            92.4
            10.0D
            Other
            3.80
            7,609
            435
            812
            68.7
            41.6
            38.4
            0.4
            43.4
            94.9
            13.1
        3.
            Daily
            2.56
            2,774
            1,133
            503
            91.7
            6.0
            11.3
            0.0
            63.5
            97.9
            21.4A
            Minimal risk
            3.90
            47
            1,813
            1,122
            25.3
            7.3
            92.4
            0.0
            1.4
            100.0
            14.5B
            Low risk
            3.42
            213
            1,552
            690
            67.5
            42.7
            41.9
            0.1
            1.9
            99.1
            10.5C
            Moderate risk
            2.79
            1,177
            610
            467
            93.8
            3.7
            11.6
            0.0
            50.4
            98.2
            7.5D
            Other
            3.44
            186
            928
            342
            88.1
            14.6
            21.3
            0.0
            25.2
            97.8
            28.3
        4.
            2 to 30 days
            3.24
            17,707
            447
            878
            79.4
            11.0
            13.2
            0.1
            58.6
            84.6
            13.9A
            Minimal risk
            3.98
            596
            216
            876
            89.3
            0.6
            41.3
            0.0
            10.7
            12.0
            27.5B
            Low risk
            3.01
            3,005
            466
            723
            62.5
            5.1
            20.1
            0.0
            32.3
            71.7
            14.6C
            Moderate risk
            3.44
            6,249
            443
            997
            68.2
            17.0
            13.5
            0.0
            65.6
            92.8
            8.9D
            Other
            3.51
            3,953
            255
            352
            89.6
            18.5
            15.9
            0.1
            34.4
            77.1
            18.5
        5.
            31 to 365 days
            3.36
            19,058
            710
            1,012
            85.4
            4.1
            2.4
            0.1
            70.8
            92.5
            14.0A
            Minimal risk
            3.59
            351
            297
            569
            99.9
            0.8
            5.6
            0.0
            14.4
            16.2
            14.2B
            Low risk
            2.55
            2,833
            1,010
            403
            57.7
            7.8
            2.3
            0.1
            30.7
            83.7
            27.8C
            Moderate risk
            3.13
            6,656
            521
            1,317
            85.0
            5.2
            4.4
            0.1
            77.8
            95.6
            10.3D
            Other
            3.82
            2,725
            404
            463
            79.7
            7.7
            3.0
            0.3
            34.0
            85.9
            13.0Months6.
            More than 365 days
            3.72
            9,456
            1,211
            56
            22.1
            17.9
            2.8
            0.1
            25.8
            97.5
            10.1A
            Minimal risk
            5.14
            376
            2,205
            29
            2.8
            22.7
            0.1
            0.0
            22.6
            99.1
            38.1B
            Low risk
            2.82
            1,842
            4,708
            41
            41.4
            27.9
            4.1
            0.0
            21.8
            94.5
            25.1C
            Moderate risk
            3.67
            6,172
            3,976
            64
            9.6
            16.2
            1.1
            0.1
            19.9
            99.2
            4.9D
            Other
            4.72
            553
            198
            49
            81.3
            17.9
            9.0
            0.4
            58.1
            90.0
            5.7Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.94
            2,908
            3.3
            135
            94.4
            4.9
            32.1
            1.0
            20.3
            79.5
            8.88.
            100 - 999
            3.80
            10,848
            3.1
            59
            88.4
            12.6
            34.2
            0.3
            16.7
            70.9
            12.79.
            1,000 - 9,999
            3.37
            18,025
            3.1
            106
            65.2
            20.9
            26.2
            0.1
            55.4
            91.7
            15.610.
            10,000+
            3.33
            40,212
            2.9
            367
            57.6
            13.1
            8.1
            0.0
            66.1
            97.0
            12.4Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.66
            12,637
            3.1
            41
            68.9
            3.1
            304
            0.3
            41.6
            89.5
            12.212.
            Other
            3.17
            59,355
            3.0
            290
            64.9
            17.1
            743
            0.0
            56.8
            91.3
            13.3  4. Commercial and industrial loans made by small domestic banks 1 Maturity/repricing
                    interval 2 and
                    risk 3 of loans
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average
                    maturity 5
                Percent of value of loans
                Commitment statusSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7
                Percent
                    made under
                    commitment
                Average
                    months
                    since loan
                    terms set 8Days1.
            All C&I loans
            4.57
            5,241
            146
            1,070
            89.0
            7.3
            59.4
            2.9
            34.7
            79.0
            4.9A
            Minimal risk
            3.91
            188
            138
            940
            67.7
            5.1
            32.1
            0.0
            18.6
            61.3
            0.8B
            Low risk
            3.50
            518
            215
            1,655
            61.7
            1.9
            51.0
            1.9
            15.1
            75.4
            10.3C
            Moderate risk
            4.47
            1,854
            134
            1,029
            89.5
            10.1
            53.0
            1.1
            28.3
            82.9
            3.3D
            Other
            4.91
            2,494
            154
            997
            95.1
            7.1
            70.5
            5.0
            40.7
            77.0
            5.7
        2.
            Zero interval
            4.72
            2,391
            135
            655
            92.4
            1.6
            82.7
            1.2
            36.6
            82.6
            6.0A
            Minimal risk
            3.72
            7
            56
            415
            100.0
            0.0
            60.9
            0.0
            35.1
            100.0
            2.9B
            Low risk
            4.26
            143
            169
            1,035
            60.7
            0.0
            91.7
            0.5
            10.9
            81.8
            24.8C
            Moderate risk
            4.45
            771
            115
            749
            92.3
            4.4
            76.8
            0.4
            19.5
            89.8
            4.1D
            Other
            4.97
            1,390
            146
            609
            95.3
            0.3
            89.8
            1.7
            45.1
            77.7
            5.6
        3.
            Daily
            4.76
            290
            93
            590
            97.0
            1.6
            90.8
            0.7
            19.2
            96.0
            7.1A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.38
            31
            121
            373
            99.8
            0.0
            88.7
            0.0
            2.1
            100.0
            6.0C
            Moderate risk
            4.45
            118
            87
            465
            94.6
            3.9
            85.2
            0.0
            4.2
            95.4
            8.2D
            Other
            4.75
            114
            94
            575
            98.0
            0.0
            95.7
            1.7
            21.8
            94.7
            7.9
        4.
            2 to 30 days
            3.81
            613
            177
            498
            81.2
            3.7
            41.4
            0.3
            30.1
            91.2
            5.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            2.48
            116
            428
            578
            26.3
            5.7
            5.3
            0.0
            2.3
            99.5
            0.8C
            Moderate risk
            3.94
            154
            160
            524
            96.3
            8.6
            38.8
            0.5
            36.1
            91.4
            3.9D
            Other
            4.26
            318
            159
            486
            94.5
            0.5
            57.5
            0.3
            34.8
            87.4
            7.9
        5.
            31 to 365 days
            4.61
            829
            147
            716
            74.3
            12.5
            41.6
            13.9
            36.7
            83.3
            3.1A
            Minimal risk
            3.46
            77
            122
            340
            72.5
            10.4
            28.1
            0.0
            37.7
            63.8
            0.2B
            Low risk
            3.50
            131
            159
            179
            57.2
            0.0
            18.4
            6.9
            30.9
            82.4
            3.3C
            Moderate risk
            4.72
            335
            135
            482
            67.6
            3.7
            45.8
            4.8
            44.3
            85.8
            2.4D
            Other
            5.40
            263
            201
            1,408
            89.5
            31.8
            54.9
            34.2
            26.3
            85.2
            4.5Months6.
            More than 365 days
            4.59
            1,086
            185
            80
            94.9
            19.7
            25.1
            0.7
            33.8
            55.4
            0.5A
            Minimal risk
            4.44
            94
            172
            49
            64.5
            0.0
            35.5
            0.0
            3.4
            52.7
            0.0B
            Low risk
            3.23
            89
            461
            185
            100.0
            3.8
            84.6
            0.0
            12.6
            12.3
            2.6C
            Moderate risk
            4.52
            474
            205
            65
            97.1
            25.9
            15.8
            0.0
            34.6
            63.8
            0.4D
            Other
            4.98
            384
            181
            78
            97.9
            22.8
            19.3
            1.9
            41.0
            53.6
            0.7Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.90
            924
            3.4
            282
            91.0
            3.3
            68.2
            2.9
            24.8
            87.9
            5.68.
            100 - 999
            4.53
            2,351
            3.3
            321
            89.6
            3.4
            57.0
            2.0
            29.7
            78.7
            6.09.
            1,000 - 9,999
            4.22
            1,400
            3.3
            757
            88.4
            15.1
            51.4
            5.7
            39.4
            74.2
            3.610.
            10,000+
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.91
            3,111
            3.5
            238
            90.2
            6.2
            131
            4.3
            33.3
            81.2
            5.612.
            Other
            4.07
            2,130
            3.2
            679
            87.3
            8.8
            176
            0.9
            36.8
            75.7
            4.0  5. Commercial and industrial loans made by U.S. branches and agencies of foreign banks 1 Maturity/repricing
                    interval 2 and
                    risk 3 of loans
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average
                    maturity 5
                Percent of value of loans
                Commitment statusSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7
                Percent
                    made under
                    commitment
                Average
                    months
                    since loan
                    terms set 8Days1.
            All C&I loans
            2.22
            29,413
            8,512
            346
            49.8
            61.7
            4.2
            0.0
            33.4
            59.4
            13.1A
            Minimal risk
            2.34
            712
            4,983
            685
            13.1
            43.0
            5.9
            0.0
            72.3
            100.0
            5.4B
            Low risk
            1.76
            8,671
            11,645
            278
            46.1
            74.9
            2.5
            0.0
            28.7
            70.3
            7.4C
            Moderate risk
            1.89
            11,354
            12,117
            349
            55.0
            67.1
            3.5
            0.0
            28.8
            39.2
            12.6D
            Other
            3.12
            7,615
            5,099
            304
            51.5
            35.7
            7.1
            0.0
            32.6
            67.9
            17.6
        2.
            Zero interval
            5.31
            930
            1,495
            1,110
            42.6
            0.9
            49.7
            0.0
            65.6
            100.0
            28.9A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.54
            69
            1,755
            955
            29.1
            0.0
            52.5
            0.0
            89.4
            100.0
            27.1C
            Moderate risk
            4.75
            152
            1,089
            1,315
            33.2
            0.4
            67.8
            0.0
            62.0
            100.0
            21.0D
            Other
            5.66
            623
            1,571
            1,086
            46.2
            0.0
            46.6
            0.0
            59.0
            100.0
            29.9
        3.
            Daily
            1.57
            9,338
            18,693
            58
            65.9
            55.8
            0.1
            0.0
            5.0
            12.6
            12.3A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            1.50
            1,866
            14,241
            21
            62.2
            46.2
            0.0
            0.0
            4.3
            20.1
            5.1C
            Moderate risk
            1.45
            5,370
            37,576
            75
            70.2
            73.2
            0.0
            0.0
            3.3
            7.4
            12.7D
            Other
            1.93
            2,098
            9,960
            49
            58.1
            20.2
            0.1
            0.0
            9.9
            19.0
            18.9
        4.
            2 to 30 days
            2.09
            14,354
            10,978
            354
            40.0
            69.6
            1.0
            0.0
            37.2
            76.4
            10.0A
            Minimal risk
            1.99
            551
            8,379
            646
            2.5
            47.9
            0.0
            0.0
            64.7
            100.0
            1.4B
            Low risk
            1.67
            5,833
            17,999
            275
            39.3
            88.8
            0.0
            0.0
            30.8
            85.0
            7.3C
            Moderate risk
            2.01
            4,733
            11,816
            503
            40.6
            59.2
            1.8
            0.0
            44.6
            60.9
            11.6D
            Other
            3.04
            3,006
            6,010
            229
            50.5
            50.3
            2.2
            0.0
            28.2
            78.0
            14.4
        5.
            31 to 365 days
            3.11
            3,708
            4,590
            584
            44.7
            50.7
            0.4
            0.0
            62.3
            89.7
            15.5A
            Minimal risk
            2.80
            72
            1,730
            481
            0.0
            0.0
            0.0
            0.0
            100.0
            100.0
            0.1B
            Low risk
            2.31
            722
            3,280
            613
            49.9
            39.3
            1.7
            0.0
            51.1
            70.3
            5.4C
            Moderate risk
            2.79
            898
            4,328
            836
            39.4
            76.6
            0.2
            0.0
            76.2
            90.9
            13.5D
            Other
            3.53
            1,709
            5,336
            374
            45.2
            35.2
            0.0
            0.0
            51.4
            95.0
            17.7Months6.
            More than 365 days
            3.87
            1,082
            4,963
            41
            64.9
            98.6
            54.6
            0.0
            100.0
            100.0
            24.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.08
            182
            6,044
            47
            91.6
            91.6
            91.7
            0.0
            100.0
            100.0
            12.0C
            Moderate risk
            4.56
            202
            4,304
            40
            75.5
            100.0
            100.0
            0.0
            100.0
            100.0
            17.6D
            Other
            5.45
            180
            2,733
            37
            69.2
            100.0
            100.0
            0.0
            100.0
            100.0
            12.8Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.52
            17
            2.7
            69
            51.9
            15.8
            14.5
            0.0
            61.7
            75.6
            13.98.
            100 - 999
            4.00
            424
            3.3
            104
            52.6
            33.1
            35.4
            0.0
            62.4
            87.6
            22.19.
            1,000 - 9,999
            3.01
            5,093
            3.4
            136
            48.9
            50.9
            13.5
            0.0
            53.3
            79.7
            18.610.
            10,000+
            2.02
            23,879
            2.9
            42
            50.0
            64.6
            1.6
            0.0
            28.6
            54.6
            11.2Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.99
            1,223
            3.2
            602
            60.6
            50.1
            1,787
            0.0
            80.1
            98.3
            22.112.
            Other
            2.10
            28,190
            2.9
            35
            49.4
            62.3
            10,173
            0.0
            31.3
            57.8
            12.5  6. Commercial and industrial loans by date pricing terms were set and commitment status Time pricing terms
                    were set and loan
                    commitment status
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)
                Percent of value of loansSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7All commercial banks1.
            During survey week
            3.22
            42,125
            714
            3.0
            307
            63.4
            26.4
            12.6
            0.3
            36.2A
            Not under commitment
            2.47
            19,495
            628
            2.9
            80
            72.8
            32.2
            9.9
            0.0
            11.9B
            Informal commitment
            3.47
            1,198
            180
            3.1
            302
            71.2
            24.9
            37.6
            0.1
            18.9C
            Formal commitment
            3.89
            21,431
            1,007
            3.1
            513
            54.3
            21.2
            13.7
            0.5
            59.32.
            Before survey week 11A
            Up to 90 days
            3.30
            11,076
            493
            3.0
            171
            41.6
            47.1
            18.9
            0.3
            55.9B
            91 to 365 days
            2.98
            24,039
            449
            3.0
            116
            62.2
            29.7
            19.0
            0.2
            45.7C
            More than 365 days
            3.15
            29,407
            1,138
            3.1
            138
            69.0
            19.1
            17.0
            0.0
            61.8
        Domestic banks3.
            During survey week
            4.02
            26,512
            459
            3.0
            480
            66.6
            9.1
            19.9
            0.5
            46.3A
            Not under commitment
            3.91
            7,565
            250
            2.8
            199
            80.8
            7.7
            25.3
            0.1
            22.6B
            Informal commitment
            4.10
            910
            137
            3.2
            394
            92.2
            3.2
            49.5
            0.2
            24.9C
            Formal commitment
            4.05
            18,038
            865
            3.0
            603
            59.4
            10.0
            16.2
            0.6
            57.34.
            Before survey week 11A
            Up to 90 days
            3.72
            7,821
            355
            3.2
            216
            54.2
            30.4
            24.9
            0.4
            56.0B
            91 to 365 days
            3.22
            18,969
            357
            3.2
            133
            69.6
            16.5
            23.1
            0.3
            50.1C
            More than 365 days
            3.12
            23,931
            976
            3.0
            125
            70.1
            12.6
            17.3
            0.1
            61.1
        Large domestic banks5.
            During survey week
            3.95
            23,576
            564
            2.9
            458
            64.0
            8.8
            15.7
            0.1
            48.1A
            Not under commitment
            3.77
            6,462
            255
            2.7
            88
            78.5
            7.2
            20.5
            0.1
            18.2B
            Informal commitment
            3.33
            271
            166
            3.8
            47
            100.0
            1.2
            1.6
            0.0
            30.8C
            Formal commitment
            4.02
            16,843
            1,136
            3.0
            607
            57.9
            9.5
            14.0
            0.1
            59.86.
            Before survey week 11A
            Up to 90 days
            3.67
            7,284
            430
            3.2
            209
            51.4
            32.3
            23.8
            0.3
            57.7B
            91 to 365 days
            3.10
            17,573
            433
            3.1
            141
            67.7
            17.7
            18.8
            0.1
            50.9C
            More than 365 days
            3.10
            23,559
            1,063
            3.0
            126
            70.0
            12.8
            16.6
            0.1
            61.4
        Small domestic banks7.
            During survey week
            4.58
            2,936
            184
            3.2
            656
            87.6
            11.6
            54.4
            3.5
            32.0A
            Not under commitment
            4.74
            1,103
            222
            3.3
            846
            94.0
            10.9
            53.1
            0.3
            48.0B
            Informal commitment
            4.43
            639
            128
            3.0
            541
            89.0
            4.0
            69.8
            0.2
            22.4C
            Formal commitment
            4.52
            1,195
            199
            3.2
            542
            80.8
            16.3
            47.3
            8.3
            22.38.
            Before survey week 11A
            Up to 90 days
            4.30
            538
            106
            3.5
            312
            92.7
            4.6
            41.0
            2.2
            32.7B
            91 to 365 days
            4.73
            1,395
            112
            3.7
            45
            93.7
            1.0
            76.3
            2.7
            39.1C
            More than 365 days
            4.28
            372
            158
            3.5
            22
            77.9
            0.9
            61.6
            0.1
            43.1
        Foreign banks9.
            During survey week
            1.88
            15,613
            12,606
            3.0
            13
            57.9
            55.8
            0.2
            0.0
            19.1A
            Not under commitment
            1.56
            11,930
            15,679
            3.0
            6
            67.8
            47.7
            0.2
            0.0
            5.1B
            Informal commitment
            1.46
            289
            6,403
            2.7
            11
            5.0
            93.3
            0.0
            0.0
            0.0C
            Formal commitment
            3.03
            3,393
            7,846
            3.1
            38
            27.6
            81.2
            0.4
            0.0
            69.810.
            Before survey week 11A
            Up to 90 days
            2.29
            3,254
            6,814
            2.7
            65
            11.2
            87.2
            4.3
            0.0
            55.6B
            91 to 365 days
            2.10
            5,070
            11,673
            2.5
            51
            34.4
            79.4
            3.8
            0.0
            29.4C
            More than 365 days
            3.27
            5,476
            4,196
            3.4
            194
            64.0
            47.2
            15.6
            0.0
            64.7  7. Commercial and industrial loans backed by the SBA 6 Backed by SBA
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)
                Percent of value of loansSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                Made under
                    participation
                    or syndication 71.
            All banks
            6.05
            221
            107
            3.7
            220
            89.8
            48.8
            77.5
            20.62.
            Domestic banks
            6.05
            221
            107
            3.7
            220
            89.8
            48.8
            77.5
            20.63.
            Large domestic banks
            6.24
            68
            59
            3.6
            432
            68.2
            22.8
            56.3
            0.04.
            Small domestic banks
            5.96
            154
            165
            3.8
            127
            99.3
            60.2
            86.9
            29.65.
            Foreign banks
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...  8. Commercial and industrial loans made under participation or syndication 7 Loans made under participation
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)
                Percent of value of loansSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 61.
            All banks
            3.32
            50,591
            1,391
            3.1
            122
            66.8
            24.6
            14.4
            0.12.
            Domestic banks
            3.37
            40,775
            1,180
            3.1
            113
            71.8
            13.5
            15.4
            0.13.
            Large domestic banks
            3.30
            38,955
            1,550
            3.1
            102
            70.8
            14.0
            13.5
            0.04.
            Small domestic banks
            4.85
            1,820
            193
            3.6
            344
            93.6
            2.6
            56.9
            2.55.
            Foreign banks
            3.10
            9,816
            5,415
            2.9
            160
            46.0
            70.9
            10.0
            0.0  Summary statistics
                All
                    commercial
                    banks
                Domestic
                    banks
                Large
                    domestic
                    banks
                Small
                    domestic
                    banks
                Foreign
                    banks1.
            Average reported prime rate
            4.00
            4.01
            3.97
            4.15
            3.852.
            Standard error of loan rate
            .16
            .12
            .12
            .11
            .26    Footnotes 1.
            As of March 31, 2017    , assets of the large banks were at
            least     $5.5  billion.  Median total assets for all insured
            banks were roughly     $204  million.  Assets at all U.S.
            branches and agencies averaged    $11.1  billion. 2.
            The "maturity/repricing" interval measures the period from
            the date the loan is made until it first may be repriced
            or 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.  Because of weekends and
            holidays, such loans may have maturity/repricing intervals
            in of more thanone day; nevertheless, such loans are not
            included in the 2 to 30 day category. 3.
            A complete description of these risk categories is available
            in the survey instructions, available at
            http://www.federalreserve.gov/apps/reportforms/reportdetail.aspx?sOoYJ+5BzDaSCesXTb1UmHCoyU8rIHWr.
            The category "Moderate risk" includes the average loan,
            under average economic conditions, at the typical lender.
            The "Other" category includes loans rated "Acceptable"
            as well as special mention or classified loans.  The
            weighted-average risk ratings 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
            table rows 1, 6, 11, 16, 21, 26, and 31-36 are not rated for
            risk. 4.
            Effective (compounded) annual interest rates
            are calculated from the stated rate and other terms of the
            loans and weighted by loan amount.  For the standard error
            of the loan rate for all C&I loans in the current survey
            (tables 1-5, line 1, column 1), see the summary statistics
            table.  The chances are about two out of three that the
            average rate shown will differ by less than this amount from
            the average rate that would be found by a complete survey of
            the universe of all banks. 5.
            Average maturities are weighted by loan amount and exclude
            loans with no stated maturities. 6.
            Loans guaranteed, either in part or in whole, by the Small
            Business Administration (SBA).
            http://www.sba.gov/category/navigation-structure/loans-grants/small-business-loans/sbas-role 7.
            The terms "syndication" and "participation" encompasses a
            variety of arrangements among institutions to make loans.
            When each participating lender agrees in advance to fund and
            be at risk only up to a specified percentage of the total
            credit and the contract is executed by all participants and
            the borrower, the arrangement is often referred to as a
            syndication.  When a lead lender originates the transaction
            and is the only party to the contract with the borrower and
            sells shares as prearranged with others, the arrangement is
            referred to as a participation.  All loans made under either
            arrangements, whether or not the lender is the originator,
            are included. 8.
            For loans made under formal commitments, the average time
            interval between the date on which the loan pricing was set
            and the date on which the loan was made, weighted by the
            loan amount.  For loans under informal commitment, the time
            interval is zero. 9.
            Prime-based loans are based on the lending bank's own prime
            rate, any other lender's prime rate, a combintation of
            prime rates, or a publicly reported prime rate.  Loans with
            "other" base rates include loan rates expressed in terms of
            any other base rate (e.g., the federal funds rate or LIBOR)
            and loans for which no base rate is used to determine the
            loan rate. 10.
            See the summary statistics tables for the average reported
            prime rate weighted by the dollar value of loans priced
            relative to a prime base rate. 11.
            For loans made under formal commitments.
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