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 Home Economic Research & Data Statistical Releases and Historical Data
 DDP Print
   Survey of Terms of Business Lending - E.2 Current Release
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    E.2 Survey of Terms of Business Lending NOVEMBER 7-11, 2016 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
            2.11
            80,221
            713
            515
            61.3
            42.4
            12.9
            0.3
            37.8
            75.5
            14.5A
            Minimal risk
            2.57
            1,240
            291
            707
            59.8
            12.8
            19.2
            0.1
            29.0
            60.8
            7.2B
            Low risk
            1.32
            23,443
            1,668
            233
            43.7
            63.2
            6.2
            0.1
            18.7
            78.0
            8.8C
            Moderate risk
            2.15
            27,827
            647
            532
            63.4
            42.8
            14.1
            0.4
            38.9
            70.9
            17.0D
            Other
            2.78
            18,006
            425
            481
            63.5
            35.6
            21.3
            0.7
            31.8
            68.3
            15.6
        2.
            Zero interval
            3.16
            12,553
            363
            798
            63.0
            23.3
            46.7
            0.4
            46.0
            94.5
            14.3A
            Minimal risk
            2.55
            249
            661
            1,384
            73.3
            17.4
            49.2
            0.2
            21.7
            61.6
            14.0B
            Low risk
            2.83
            1,612
            481
            754
            56.1
            10.7
            47.6
            0.0
            62.1
            87.9
            11.3C
            Moderate risk
            2.97
            5,687
            421
            792
            52.3
            24.4
            45.0
            0.2
            44.4
            96.0
            12.3D
            Other
            3.61
            4,373
            277
            728
            75.0
            30.1
            51.2
            0.8
            39.3
            96.4
            15.2
        3.
            Daily
            1.25
            30,264
            2,561
            256
            55.4
            64.8
            6.1
            0.0
            19.5
            56.3
            12.2A
            Minimal risk
            2.86
            88
            320
            823
            80.5
            1.4
            32.1
            0.2
            27.3
            95.2
            13.8B
            Low risk
            0.85
            13,584
            8,120
            63
            40.9
            78.9
            1.8
            0.0
            4.2
            73.3
            5.7C
            Moderate risk
            1.29
            10,030
            2,496
            367
            71.3
            65.4
            7.4
            0.0
            25.4
            34.9
            29.2D
            Other
            1.81
            4,455
            908
            233
            42.1
            52.2
            16.2
            0.1
            16.3
            31.5
            14.5
        4.
            2 to 30 days
            2.26
            28,789
            597
            588
            64.0
            31.4
            5.5
            0.3
            46.8
            85.6
            16.6A
            Minimal risk
            2.57
            728
            234
            298
            56.6
            15.1
            11.6
            0.0
            28.7
            50.0
            1.3B
            Low risk
            1.66
            6,981
            944
            389
            44.4
            49.1
            3.5
            0.1
            30.0
            83.9
            13.3C
            Moderate risk
            2.32
            8,810
            460
            476
            58.5
            35.4
            3.3
            0.1
            46.6
            88.5
            17.4D
            Other
            2.52
            6,965
            421
            402
            69.0
            31.6
            7.4
            0.8
            28.8
            76.5
            16.9
        5.
            31 to 365 days
            2.80
            5,589
            675
            605
            67.8
            21.1
            8.6
            1.7
            53.7
            80.5
            12.4A
            Minimal risk
            2.21
            157
            470
            415
            44.2
            1.7
            1.8
            0.0
            46.5
            86.2
            11.9B
            Low risk
            2.09
            876
            949
            553
            44.6
            31.1
            4.0
            0.6
            47.2
            81.1
            10.7C
            Moderate risk
            2.72
            2,158
            824
            551
            69.6
            19.3
            4.5
            3.0
            44.3
            87.7
            12.0D
            Other
            3.59
            1,331
            611
            426
            63.1
            30.4
            13.4
            1.8
            47.7
            59.7
            13.5Months6.
            More than 365 days
            3.69
            2,754
            385
            47
            72.7
            43.5
            19.5
            0.8
            76.6
            82.4
            14.3A
            Minimal risk
            4.54
            18
            123
            79
            40.6
            8.0
            0.0
            0.0
            0.0
            97.8
            0.5B
            Low risk
            3.46
            388
            556
            50
            76.3
            55.9
            38.7
            0.0
            78.8
            92.5
            10.4C
            Moderate risk
            3.50
            954
            320
            50
            71.9
            35.8
            23.4
            1.6
            69.9
            92.0
            6.4D
            Other
            4.52
            835
            353
            42
            70.4
            18.6
            18.1
            0.7
            76.3
            60.4
            14.1Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.73
            2,754
            3.2
            123
            94.5
            4.7
            39.4
            2.0
            18.8
            76.0
            6.98.
            100 - 999
            3.48
            9,352
            3.2
            91
            86.3
            12.5
            42.5
            1.2
            23.6
            77.6
            11.19.
            1,000 - 9,999
            2.88
            17,527
            3.2
            106
            66.5
            24.7
            25.9
            0.3
            56.1
            86.8
            16.210.
            10,000+
            1.49
            50,588
            2.8
            36
            53.0
            56.1
            1.5
            0.1
            35.1
            71.2
            14.8Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.10
            10,366
            3.3
            84
            79.3
            6.0
            227
            1.3
            39.1
            90.2
            12.712.
            Other
            1.81
            69,855
            2.9
            57
            58.6
            47.8
            1,043
            0.2
            37.6
            73.3
            14.8  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
            2.87
            43,796
            400
            815
            76.0
            13.1
            21.6
            0.5
            54.5
            90.1
            17.4A
            Minimal risk
            3.09
            815
            200
            1,069
            81.6
            5.7
            29.2
            0.1
            8.5
            42.7
            14.5B
            Low risk
            2.49
            6,372
            479
            612
            59.2
            7.2
            20.2
            0.2
            37.2
            82.7
            19.2C
            Moderate risk
            2.77
            17,034
            404
            763
            67.6
            17.3
            21.1
            0.6
            52.7
            94.1
            17.8D
            Other
            3.53
            10,619
            258
            671
            81.5
            21.2
            32.5
            0.8
            39.4
            85.3
            14.8
        2.
            Zero interval
            3.12
            12,230
            358
            790
            63.4
            23.9
            46.3
            0.4
            45.5
            94.4
            13.9A
            Minimal risk
            2.54
            242
            659
            1,407
            75.4
            17.9
            50.6
            0.2
            19.5
            60.5
            14.1B
            Low risk
            2.82
            1,597
            478
            750
            56.6
            10.8
            47.7
            0.0
            62.0
            87.8
            11.2C
            Moderate risk
            2.95
            5,607
            417
            784
            52.7
            24.8
            44.5
            0.2
            44.0
            95.9
            12.1D
            Other
            3.54
            4,152
            267
            711
            75.7
            31.7
            50.7
            0.8
            38.2
            96.2
            14.5
        3.
            Daily
            2.66
            7,056
            628
            1,072
            90.2
            2.5
            24.6
            0.2
            73.6
            98.7
            21.7A
            Minimal risk
            2.70
            76
            283
            761
            88.9
            1.6
            37.3
            0.3
            15.7
            94.4
            13.7B
            Low risk
            2.49
            808
            526
            1,073
            87.8
            1.6
            29.2
            0.5
            54.8
            95.7
            22.1C
            Moderate risk
            2.42
            2,936
            757
            1,222
            85.7
            2.9
            23.8
            0.1
            76.3
            99.6
            31.6D
            Other
            4.01
            1,128
            245
            827
            85.9
            7.0
            59.5
            0.4
            42.5
            97.4
            12.6
        4.
            2 to 30 days
            2.64
            18,822
            401
            672
            78.9
            10.3
            7.8
            0.2
            51.3
            87.2
            19.6A
            Minimal risk
            3.55
            394
            129
            399
            95.6
            0.0
            21.5
            0.0
            1.3
            7.5
            14.3B
            Low risk
            2.27
            3,391
            481
            320
            53.8
            5.1
            7.2
            0.1
            18.9
            75.5
            24.4C
            Moderate risk
            2.67
            6,076
            325
            457
            71.0
            16.4
            3.8
            0.2
            48.6
            92.7
            18.8D
            Other
            2.99
            3,846
            239
            435
            87.6
            19.8
            12.4
            0.5
            30.2
            80.7
            16.7
        5.
            31 to 365 days
            3.16
            3,509
            458
            737
            77.7
            7.8
            11.4
            2.7
            60.9
            81.4
            12.9A
            Minimal risk
            2.52
            86
            351
            324
            36.5
            0.6
            3.3
            0.0
            6.0
            97.1
            19.2B
            Low risk
            2.58
            321
            475
            996
            51.8
            6.2
            8.8
            1.6
            38.7
            96.5
            12.7C
            Moderate risk
            2.95
            1,419
            572
            632
            67.8
            14.8
            6.3
            4.6
            53.3
            83.3
            13.4D
            Other
            4.64
            704
            342
            549
            85.5
            3.8
            17.5
            3.4
            58.9
            57.2
            9.0Months6.
            More than 365 days
            3.85
            1,907
            273
            47
            70.2
            18.4
            8.4
            1.2
            66.2
            74.5
            9.5A
            Minimal risk
            4.54
            18
            123
            79
            40.6
            8.0
            0.0
            0.0
            0.0
            97.8
            0.5B
            Low risk
            3.24
            252
            374
            50
            64.3
            32.8
            6.4
            0.0
            67.3
            88.4
            10.6C
            Moderate risk
            3.34
            806
            274
            48
            70.6
            24.1
            9.4
            1.9
            64.4
            90.5
            6.4D
            Other
            4.48
            740
            320
            43
            71.4
            8.3
            7.6
            0.8
            73.3
            55.3
            15.2Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.73
            2,741
            3.3
            123
            94.7
            4.6
            39.5
            2.0
            18.6
            76.0
            6.98.
            100 - 999
            3.50
            8,877
            3.2
            92
            88.0
            11.6
            43.4
            1.2
            21.5
            77.6
            10.89.
            1,000 - 9,999
            3.05
            13,367
            3.2
            100
            72.4
            17.0
            30.1
            0.4
            57.2
            90.2
            16.110.
            10,000+
            2.32
            18,811
            3.0
            49
            70.2
            12.3
            2.8
            0.0
            73.3
            98.1
            21.9Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.07
            9,478
            3.3
            30
            80.7
            2.0
            210
            1.5
            35.1
            89.4
            12.112.
            Other
            2.54
            34,318
            3.1
            91
            74.7
            16.2
            532
            0.2
            59.8
            90.3
            18.8  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
            2.71
            39,481
            483
            832
            74.3
            14.0
            17.8
            0.1
            55.7
            91.5
            18.6A
            Minimal risk
            3.10
            787
            215
            1,078
            80.9
            5.7
            29.2
            0.1
            8.1
            41.1
            15.3B
            Low risk
            2.33
            5,768
            523
            640
            56.3
            7.7
            14.5
            0.1
            34.4
            81.4
            20.9C
            Moderate risk
            2.65
            15,688
            500
            766
            66.1
            18.1
            18.3
            0.1
            54.5
            94.4
            18.9D
            Other
            3.27
            8,473
            290
            670
            77.8
            25.5
            26.6
            0.3
            38.0
            90.1
            16.6
        2.
            Zero interval
            2.96
            10,661
            435
            852
            59.3
            27.2
            40.6
            0.2
            46.3
            94.5
            15.0A
            Minimal risk
            2.53
            240
            755
            1,411
            75.2
            18.0
            50.3
            0.2
            19.6
            60.3
            14.2B
            Low risk
            2.47
            1,270
            431
            953
            47.0
            13.6
            35.9
            0.1
            55.6
            84.7
            11.8C
            Moderate risk
            2.84
            5,121
            530
            820
            50.2
            27.0
            41.3
            0.0
            45.9
            95.7
            12.6D
            Other
            3.39
            3,430
            326
            764
            70.9
            37.8
            42.6
            0.4
            40.4
            98.0
            16.3
        3.
            Daily
            2.46
            6,270
            1,350
            1,131
            89.6
            2.7
            17.3
            0.1
            79.5
            99.0
            23.6A
            Minimal risk
            2.58
            71
            380
            753
            88.2
            1.7
            35.9
            0.3
            13.2
            96.0
            14.4B
            Low risk
            2.24
            696
            756
            1,203
            86.5
            1.9
            18.2
            0.0
            56.7
            95.0
            25.4C
            Moderate risk
            2.26
            2,662
            1,714
            1,278
            85.2
            3.0
            18.1
            0.0
            82.2
            100.0
            34.0D
            Other
            3.82
            755
            474
            1,011
            80.1
            9.8
            46.6
            0.4
            52.1
            98.8
            15.6
        4.
            2 to 30 days
            2.61
            18,370
            417
            676
            78.5
            10.3
            6.7
            0.1
            51.8
            87.1
            20.0A
            Minimal risk
            3.56
            391
            130
            392
            95.6
            0.0
            21.4
            0.0
            1.2
            6.8
            15.8B
            Low risk
            2.25
            3,330
            501
            318
            53.3
            5.0
            6.7
            0.0
            18.4
            75.1
            24.9C
            Moderate risk
            2.65
            5,967
            334
            451
            70.6
            16.3
            2.9
            0.2
            48.8
            92.9
            19.0D
            Other
            2.92
            3,569
            244
            441
            87.1
            20.9
            8.9
            0.1
            30.6
            79.7
            17.8
        5.
            31 to 365 days
            2.69
            2,605
            756
            835
            75.4
            8.2
            7.8
            0.3
            62.7
            91.0
            15.2A
            Minimal risk
            2.61
            69
            1,379
            336
            21.5
            0.7
            0.0
            0.0
            3.2
            99.1
            21.7B
            Low risk
            2.50
            254
            1,124
            1,219
            57.7
            7.5
            6.0
            0.4
            43.2
            97.1
            15.9C
            Moderate risk
            2.59
            1,083
            1,487
            677
            64.6
            14.6
            3.1
            0.2
            54.1
            80.9
            17.8D
            Other
            4.07
            331
            320
            538
            74.9
            5.5
            18.5
            1.3
            37.8
            98.9
            10.3Months6.
            More than 365 days
            3.25
            1,302
            523
            41
            58.4
            21.8
            8.4
            0.4
            67.1
            91.6
            11.2A
            Minimal risk
            4.77
            15
            163
            68
            29.8
            1.1
            0.0
            0.0
            0.0
            99.6
            0.5B
            Low risk
            2.87
            216
            767
            48
            58.4
            34.4
            6.2
            0.0
            72.5
            96.8
            11.3C
            Moderate risk
            3.04
            666
            761
            42
            64.8
            26.1
            7.4
            0.3
            71.8
            95.3
            7.3D
            Other
            3.60
            341
            384
            34
            44.7
            7.0
            12.8
            0.3
            65.3
            90.6
            19.8Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.40
            2,053
            3.2
            57
            95.3
            4.8
            30.6
            1.0
            15.0
            72.1
            7.88.
            100 - 999
            3.34
            7,113
            3.2
            60
            87.7
            13.1
            39.3
            0.4
            18.9
            76.1
            12.49.
            1,000 - 9,999
            2.84
            11,504
            3.1
            69
            69.1
            19.1
            26.6
            0.0
            56.9
            93.8
            17.410.
            10,000+
            2.32
            18,811
            3.0
            49
            70.2
            12.3
            2.8
            0.0
            73.3
            98.1
            21.9Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            3.97
            7,011
            3.2
            22
            76.7
            1.6
            258
            0.6
            36.0
            89.1
            14.312.
            Other
            2.44
            32,470
            3.0
            65
            73.8
            16.7
            595
            0.0
            59.9
            92.0
            19.5  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
            4.35
            4,315
            155
            655
            91.5
            4.9
            57.2
            3.8
            43.3
            77.6
            4.9A
            Minimal risk
            2.86
            29
            66
            919
            100.0
            4.5
            28.4
            0.0
            21.3
            87.6
            4.7B
            Low risk
            4.01
            603
            267
            393
            86.4
            2.8
            75.0
            1.9
            64.4
            95.5
            6.2C
            Moderate risk
            4.12
            1,346
            124
            726
            84.8
            7.7
            54.4
            6.8
            31.0
            91.5
            4.5D
            Other
            4.57
            2,146
            180
            676
            96.3
            4.1
            55.7
            2.9
            44.9
            66.1
            4.9
        2.
            Zero interval
            4.18
            1,569
            162
            391
            91.6
            1.8
            84.7
            1.8
            40.2
            93.6
            6.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.19
            327
            826
            284
            93.7
            0.0
            93.4
            0.0
            86.7
            99.7
            9.1C
            Moderate risk
            4.07
            486
            129
            410
            79.7
            1.5
            77.8
            1.9
            23.6
            98.0
            6.4D
            Other
            4.28
            723
            144
            444
            98.3
            2.9
            88.7
            2.7
            27.7
            87.6
            5.1
        3.
            Daily
            4.22
            785
            119
            481
            95.0
            1.3
            83.3
            1.1
            26.7
            95.6
            5.9A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.02
            112
            182
            317
            96.2
            0.0
            97.6
            3.6
            43.0
            100.0
            2.8C
            Moderate risk
            4.02
            274
            118
            574
            90.5
            1.8
            79.6
            1.2
            19.2
            95.4
            6.8D
            Other
            4.38
            374
            124
            332
            97.5
            1.3
            85.4
            0.4
            23.0
            94.6
            6.2
        4.
            2 to 30 days
            3.76
            452
            160
            470
            93.8
            9.5
            52.6
            5.0
            30.1
            91.6
            4.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.46
            61
            150
            433
            84.2
            12.1
            35.4
            5.6
            46.9
            100.0
            3.7C
            Moderate risk
            3.71
            110
            124
            775
            97.5
            17.8
            49.4
            2.6
            35.2
            84.7
            4.5D
            Other
            3.83
            277
            197
            365
            94.4
            5.7
            57.7
            5.9
            24.6
            92.9
            4.5
        5.
            31 to 365 days
            4.50
            904
            215
            454
            84.3
            6.7
            21.5
            9.6
            55.7
            53.7
            1.4A
            Minimal risk
            2.12
            16
            85
            262
            100.0
            0.0
            17.2
            0.0
            17.8
            88.9
            7.6B
            Low risk
            2.87
            66
            147
            135
            29.3
            1.2
            19.5
            6.2
            21.5
            94.5
            0.3C
            Moderate risk
            4.11
            336
            191
            487
            78.1
            15.4
            16.7
            18.7
            50.6
            91.0
            0.9D
            Other
            5.15
            373
            363
            558
            94.9
            2.2
            16.7
            5.3
            77.6
            20.1
            3.3Months6.
            More than 365 days
            5.14
            605
            135
            59
            95.6
            11.2
            8.5
            3.0
            64.4
            37.7
            0.8A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            5.43
            37
            93
            63
            98.8
            23.7
            7.7
            0.0
            36.6
            38.6
            0.6C
            Moderate risk
            4.78
            141
            68
            76
            97.8
            14.4
            18.9
            9.3
            29.3
            67.8
            0.9D
            Other
            5.24
            399
            280
            51
            94.2
            9.4
            3.2
            1.3
            80.1
            25.1
            1.0Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.72
            688
            3.4
            314
            93.0
            4.2
            65.9
            4.8
            29.3
            87.5
            4.78.
            100 - 999
            4.18
            1,764
            3.4
            219
            89.3
            5.6
            59.6
            4.8
            32.0
            83.5
            4.99.
            1,000 - 9,999
            4.37
            1,863
            3.4
            291
            93.0
            4.5
            51.6
            2.6
            59.2
            68.3
            5.110.
            10,000+
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.35
            2,467
            3.3
            53
            92.2
            3.0
            138
            4.0
            32.8
            90.2
            6.112.
            Other
            4.33
            1,848
            3.5
            549
            90.5
            7.4
            186
            3.6
            57.4
            60.8
            2.6  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
            1.18
            36,425
            11,919
            204
            43.6
            77.6
            2.4
            0.1
            17.7
            57.9
            9.0A
            Minimal risk
            1.58
            424
            2,461
            361
            18.2
            26.4
            0.0
            0.0
            68.4
            95.5
            0.8B
            Low risk
            0.88
            17,071
            22,344
            126
            38.0
            84.0
            0.9
            0.0
            11.8
            76.3
            4.6C
            Moderate risk
            1.17
            10,794
            13,491
            217
            56.9
            83.0
            3.0
            0.0
            17.3
            34.1
            13.5D
            Other
            1.71
            7,387
            6,174
            251
            37.5
            56.3
            5.1
            0.5
            20.8
            43.8
            18.1
        2.
            Zero interval
            4.60
            323
            945
            1,039
            48.7
            0.0
            64.4
            0.0
            65.1
            100.0
            26.0A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...C
            Moderate risk
            4.18
            80
            992
            1,190
            22.6
            0.0
            82.1
            0.0
            74.0
            100.0
            25.9D
            Other
            4.88
            221
            918
            998
            62.3
            0.0
            61.7
            0.0
            59.9
            100.0
            26.9
        3.
            Daily
            0.82
            23,208
            39,686
            31
            44.8
            83.7
            0.5
            0.0
            3.0
            43.4
            5.6A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            0.75
            12,776
            93,657
            16
            38.0
            83.8
            0.1
            0.0
            1.0
            71.9
            4.3C
            Moderate risk
            0.82
            7,094
            50,641
            40
            65.3
            91.3
            0.6
            0.0
            4.4
            8.2
            17.5D
            Other
            1.07
            3,327
            11,053
            63
            27.2
            67.5
            1.5
            0.0
            7.4
            9.1
            21.8
        4.
            2 to 30 days
            1.53
            9,967
            7,537
            449
            36.1
            71.3
            1.1
            0.3
            38.4
            82.4
            10.5A
            Minimal risk
            1.41
            334
            5,062
            289
            10.7
            32.9
            0.0
            0.0
            60.9
            100.0
            0.2B
            Low risk
            1.07
            3,589
            10,404
            439
            35.5
            90.7
            0.0
            0.0
            40.4
            91.7
            4.7C
            Moderate risk
            1.54
            2,734
            6,670
            518
            30.8
            77.8
            2.3
            0.0
            42.1
            79.3
            13.8D
            Other
            1.93
            3,119
            6,429
            371
            46.0
            46.1
            1.3
            1.1
            27.0
            71.4
            17.1
        5.
            31 to 365 days
            2.20
            2,081
            3,344
            381
            51.0
            43.5
            4.0
            0.0
            41.6
            79.0
            11.7A
            Minimal risk
            1.85
            71
            792
            521
            53.3
            3.0
            0.0
            0.0
            95.2
            73.1
            0.3B
            Low risk
            1.81
            555
            2,240
            297
            40.4
            45.4
            1.2
            0.0
            52.1
            72.1
            9.2C
            Moderate risk
            2.28
            739
            5,490
            394
            73.2
            27.9
            0.9
            0.0
            27.0
            96.2
            9.5D
            Other
            2.41
            627
            5,363
            288
            37.9
            60.4
            8.8
            0.0
            35.1
            62.5
            18.1Months6.
            More than 365 days
            3.32
            847
            4,568
            45
            78.5
            99.8
            44.4
            0.0
            100.0
            100.0
            22.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.86
            136
            5,692
            48
            98.7
            98.7
            98.7
            0.0
            100.0
            100.0
            10.0C
            Moderate risk
            4.32
            148
            4,237
            62
            79.3
            100.0
            100.0
            0.0
            100.0
            100.0
            6.1D
            Other
            4.82
            94
            1,774
            31
            62.6
            100.0
            100.0
            0.0
            100.0
            100.0
            9.3Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.16
            13
            2.7
            89
            59.3
            12.0
            22.8
            0.0
            52.9
            77.8
            16.08.
            100 - 999
            3.06
            475
            3.1
            82
            55.6
            28.6
            25.6
            0.0
            62.2
            78.0
            18.19.
            1,000 - 9,999
            2.32
            4,160
            3.2
            126
            47.6
            49.2
            12.5
            0.0
            52.4
            75.6
            16.810.
            10,000+
            1.01
            31,776
            2.7
            28
            42.8
            82.1
            0.8
            0.1
            12.5
            55.3
            7.4Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.45
            888
            3.3
            650
            63.8
            49.6
            1,577
            0.0
            81.4
            99.7
            18.312.
            Other
            1.10
            35,537
            2.7
            24
            43.1
            78.3
            14,257
            0.1
            16.1
            56.9
            8.5  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
            1.83
            26,376
            684
            3.0
            75
            69.8
            48.6
            7.9
            0.3
            19.7A
            Not under commitment
            1.50
            19,647
            799
            3.0
            50
            69.5
            56.2
            5.1
            0.1
            5.6B
            Informal commitment
            3.63
            800
            148
            3.1
            164
            78.0
            13.9
            33.2
            4.6
            30.8C
            Formal commitment
            2.69
            5,929
            694
            3.0
            149
            70.0
            28.1
            13.6
            0.5
            64.82.
            Before survey week 11A
            Up to 90 days
            1.97
            12,566
            521
            2.7
            63
            36.1
            64.1
            13.4
            0.3
            30.9B
            91 to 365 days
            2.02
            18,252
            556
            2.7
            33
            53.9
            49.8
            17.4
            0.6
            32.8C
            More than 365 days
            2.56
            23,028
            1,345
            3.2
            64
            71.0
            17.7
            14.9
            0.1
            66.2
        Domestic banks3.
            During survey week
            3.50
            9,115
            244
            3.0
            188
            88.2
            6.0
            21.9
            0.9
            41.2A
            Not under commitment
            3.85
            4,322
            182
            2.9
            212
            88.6
            4.0
            23.3
            0.3
            19.3B
            Informal commitment
            3.84
            728
            135
            3.2
            177
            85.0
            8.8
            36.4
            5.1
            33.9C
            Formal commitment
            3.07
            4,065
            497
            3.2
            165
            88.3
            7.5
            17.8
            0.8
            65.74.
            Before survey week 11A
            Up to 90 days
            3.09
            5,308
            225
            3.2
            108
            75.5
            17.6
            30.0
            0.7
            46.5B
            91 to 365 days
            2.76
            10,311
            317
            3.1
            38
            70.1
            19.0
            28.9
            0.7
            48.2C
            More than 365 days
            2.57
            19,062
            1,190
            3.1
            39
            73.5
            12.1
            15.3
            0.2
            66.4
        Large domestic banks5.
            During survey week
            3.14
            6,910
            287
            2.8
            98
            88.0
            6.0
            16.8
            0.2
            39.4A
            Not under commitment
            3.48
            3,355
            171
            2.7
            70
            86.4
            4.2
            22.8
            0.2
            3.7B
            Informal commitment
            2.69
            172
            145
            3.9
            55
            88.6
            0.0
            6.4
            0.0
            18.0C
            Formal commitment
            2.83
            3,384
            1,036
            3.1
            128
            89.7
            8.1
            11.4
            0.2
            76.06.
            Before survey week 11A
            Up to 90 days
            2.93
            4,646
            250
            3.2
            105
            72.8
            19.7
            24.6
            0.3
            46.0B
            91 to 365 days
            2.60
            9,177
            369
            3.1
            41
            67.0
            21.0
            22.3
            0.2
            49.1C
            More than 365 days
            2.55
            18,747
            1,326
            3.1
            39
            73.2
            12.2
            14.2
            0.0
            67.3
        Small domestic banks7.
            During survey week
            4.63
            2,205
            166
            3.5
            471
            88.6
            6.0
            37.8
            3.2
            46.6A
            Not under commitment
            5.13
            968
            233
            3.8
            704
            96.2
            3.6
            25.1
            0.9
            73.5B
            Informal commitment
            4.19
            556
            133
            2.9
            215
            83.9
            11.5
            45.7
            6.6
            38.8C
            Formal commitment
            4.26
            682
            139
            3.4
            348
            81.7
            5.0
            49.3
            3.7
            14.68.
            Before survey week 11A
            Up to 90 days
            4.16
            663
            132
            3.5
            127
            94.3
            2.8
            67.8
            3.1
            50.3B
            91 to 365 days
            4.05
            1,133
            148
            3.3
            14
            95.5
            2.6
            82.1
            4.5
            40.3C
            More than 365 days
            3.84
            314
            167
            3.4
            24
            91.2
            9.4
            80.8
            7.7
            16.4
        Foreign banks9.
            During survey week
            0.94
            17,261
            14,441
            3.0
            16
            60.2
            71.1
            0.5
            0.0
            8.4A
            Not under commitment
            0.83
            15,325
            19,681
            3.0
            4
            64.1
            70.9
            0.0
            0.0
            1.8B
            Informal commitment
            1.56
            72
            1,779
            3.0
            35
            6.9
            65.8
            0.6
            0.0
            0.0C
            Formal commitment
            1.86
            1,864
            4,955
            2.8
            115
            29.9
            73.0
            4.6
            0.0
            62.810.
            Before survey week 11A
            Up to 90 days
            1.16
            7,257
            15,631
            2.4
            31
            7.2
            98.1
            1.2
            0.0
            19.4B
            91 to 365 days
            1.05
            7,941
            26,548
            2.2
            26
            32.9
            89.7
            2.5
            0.4
            12.9C
            More than 365 days
            2.53
            3,966
            3,614
            3.3
            186
            59.1
            44.5
            12.8
            0.0
            65.0  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
            4.37
            252
            112
            3.5
            173
            69.7
            38.5
            54.9
            31.32.
            Domestic banks
            4.88
            217
            97
            3.4
            196
            80.9
            44.7
            63.7
            20.23.
            Large domestic banks
            5.60
            52
            63
            3.5
            168
            87.3
            11.6
            75.6
            2.74.
            Small domestic banks
            4.66
            165
            117
            3.4
            205
            78.9
            55.1
            59.9
            25.85.
            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
            2.63
            30,303
            1,214
            3.1
            111
            74.4
            24.9
            13.4
            0.32.
            Domestic banks
            2.69
            23,854
            1,022
            3.2
            87
            79.8
            12.8
            14.0
            0.23.
            Large domestic banks
            2.52
            21,985
            1,539
            3.1
            63
            78.4
            13.7
            11.5
            0.04.
            Small domestic banks
            4.67
            1,869
            206
            3.3
            374
            96.1
            2.4
            43.3
            2.35.
            Foreign banks
            2.40
            6,449
            3,994
            2.8
            199
            54.6
            69.4
            11.2
            0.5  Summary statistics
                All
                    commercial
                    banks
                Domestic
                    banks
                Large
                    domestic
                    banks
                Small
                    domestic
                    banks
                Foreign
                    banks1.
            Average reported prime rate
            3.54
            3.56
            3.54
            3.61
            3.342.
            Standard error of loan rate
            .22
            .15
            .11
            .13
            .31    Footnotes 1.
            As of September 30, 2016, assets of the large banks were at
            least     $5.4  billion.  Median total assets for all insured
            banks were roughly     $191  million.  Assets at all U.S.
            branches and agencies averaged     10.5  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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