|What's New · 

What's Next · 
Site Map · 
A-Z Index · 
Careers · 
RSS · 
All Videos · 

Current FAQs |  | Search  Advanced Search | 
|------------------------------------------------------------------------------------------------------------- |  | ----------------------- | 

Aboutthe Fed
    News& Events
    MonetaryPolicy

    BankingInformation& Regulation
    PaymentSystems
    EconomicResearch& Data
    Consumer Information
    CommunityDevelopment
    ReportingForms
    Publications


skip to content 
 Home Economic Research & Data Statistical Releases and Historical Data
 DDP Print
   Survey of Terms of Business Lending - E.2 Current Release
Release Dates
Chart Data
About
Announcements
 Skip to Content
    E.2 Survey of Terms of Business Lending FEBRUARY 6-10, 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
            2.53
            120,056
            940
            749
            59.4
            38.6
            10.0
            0.1
            43.1
            80.1
            10.7A
            Minimal risk
            2.69
            1,643
            356
            639
            57.6
            13.4
            17.3
            0.1
            29.9
            73.1
            10.6B
            Low risk
            1.66
            29,401
            1,950
            335
            29.7
            59.0
            4.3
            0.0
            20.2
            84.6
            10.3C
            Moderate risk
            2.19
            38,676
            876
            544
            52.7
            49.7
            11.8
            0.2
            31.3
            62.3
            12.9D
            Other
            3.49
            32,564
            634
            1,200
            81.1
            22.9
            15.3
            0.2
            58.4
            87.0
            8.2
        2.
            Zero interval
            3.35
            17,562
            360
            810
            59.9
            24.2
            43.2
            0.4
            46.5
            94.7
            13.6A
            Minimal risk
            2.52
            448
            684
            489
            56.1
            4.2
            37.9
            0.3
            32.7
            83.3
            15.5B
            Low risk
            2.61
            2,977
            710
            892
            37.7
            19.6
            27.4
            0.1
            61.3
            81.0
            13.0C
            Moderate risk
            3.23
            7,159
            380
            827
            54.9
            25.3
            43.3
            0.2
            46.2
            98.4
            13.6D
            Other
            3.88
            6,494
            278
            792
            76.5
            28.3
            50.6
            0.7
            40.0
            97.8
            13.5
        3.
            Daily
            1.20
            30,005
            6,030
            59
            42.4
            80.2
            1.6
            0.0
            7.6
            44.8
            10.6A
            Minimal risk
            3.02
            41
            384
            649
            59.2
            3.1
            70.9
            0.0
            1.5
            100.0
            26.6B
            Low risk
            1.08
            13,107
            10,670
            44
            19.7
            85.3
            0.8
            0.0
            3.6
            82.3
            7.9C
            Moderate risk
            1.17
            13,839
            9,459
            47
            57.4
            87.9
            1.0
            0.0
            8.2
            11.2
            20.4D
            Other
            1.80
            2,608
            1,520
            59
            68.2
            27.8
            5.4
            0.1
            12.0
            25.2
            18.0
        4.
            2 to 30 days
            2.72
            53,049
            1,115
            1,104
            73.4
            22.7
            3.8
            0.0
            65.7
            90.5
            9.9A
            Minimal risk
            2.70
            812
            281
            479
            58.7
            24.4
            8.9
            0.0
            32.9
            57.2
            3.3B
            Low risk
            1.86
            8,661
            1,221
            426
            41.5
            50.7
            2.0
            0.0
            30.9
            86.7
            10.3C
            Moderate risk
            2.36
            11,503
            716
            739
            58.0
            33.5
            3.7
            0.1
            53.8
            85.8
            12.5D
            Other
            3.37
            19,945
            1,076
            1,607
            84.0
            15.7
            3.9
            0.0
            69.5
            90.4
            6.0
        5.
            31 to 365 days
            3.81
            7,657
            728
            376
            72.5
            41.6
            12.3
            0.7
            50.1
            93.9
            8.6A
            Minimal risk
            2.34
            107
            461
            238
            69.2
            1.3
            0.0
            0.0
            64.8
            92.5
            23.7B
            Low risk
            2.05
            1,175
            1,121
            410
            59.9
            29.0
            2.9
            0.8
            57.5
            78.7
            9.3C
            Moderate risk
            3.04
            1,861
            636
            547
            36.6
            17.6
            18.9
            1.6
            28.0
            93.0
            8.9D
            Other
            4.80
            2,639
            802
            236
            85.5
            56.4
            18.7
            0.4
            67.7
            97.6
            8.2Months6.
            More than 365 days
            2.96
            11,508
            1,020
            38
            29.1
            24.0
            8.9
            0.3
            22.9
            92.8
            11.8A
            Minimal risk
            3.09
            233
            322
            46
            50.6
            0.1
            5.3
            0.0
            3.6
            95.2
            8.9B
            Low risk
            2.39
            3,481
            2,306
            29
            20.8
            24.9
            4.1
            0.0
            8.6
            92.9
            16.2C
            Moderate risk
            2.92
            4,225
            1,127
            42
            25.6
            25.7
            13.1
            0.2
            22.5
            90.7
            11.4D
            Other
            4.51
            798
            228
            48
            74.4
            32.1
            32.9
            1.8
            57.7
            82.6
            7.4Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.02
            3,052
            3.3
            139
            92.7
            5.0
            39.8
            2.2
            17.5
            78.7
            8.08.
            100 - 999
            3.66
            10,562
            3.3
            146
            85.2
            13.5
            39.2
            0.9
            25.6
            82.8
            11.49.
            1,000 - 9,999
            2.89
            22,589
            3.2
            141
            61.6
            27.6
            20.5
            0.1
            56.3
            91.2
            16.210.
            10,000+
            2.23
            83,853
            2.9
            116
            54.4
            45.9
            2.5
            0.0
            42.7
            76.9
            9.0Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.26
            12,064
            3.4
            112
            76.7
            9.9
            241
            0.9
            41.9
            91.1
            12.812.
            Other
            2.33
            107,992
            3.0
            125
            57.5
            41.8
            1,390
            0.1
            43.3
            78.9
            10.5  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
            3.08
            71,495
            575
            1,172
            71.8
            10.4
            14.5
            0.2
            59.7
            94.3
            11.4A
            Minimal risk
            2.94
            1,276
            285
            671
            71.5
            5.6
            22.3
            0.1
            21.4
            65.4
            14.1B
            Low risk
            2.51
            10,824
            757
            794
            41.2
            12.1
            11.0
            0.1
            35.0
            87.0
            15.7C
            Moderate risk
            2.93
            19,886
            461
            922
            56.9
            15.6
            19.5
            0.3
            47.6
            95.8
            13.2D
            Other
            3.71
            23,508
            471
            1,595
            90.5
            11.3
            17.4
            0.3
            66.8
            94.4
            6.8
        2.
            Zero interval
            3.29
            16,837
            349
            792
            60.4
            25.2
            42.5
            0.4
            45.8
            94.5
            13.1A
            Minimal risk
            2.47
            434
            677
            459
            56.0
            4.4
            39.2
            0.3
            30.4
            82.7
            14.6B
            Low risk
            2.56
            2,875
            690
            889
            38.5
            20.2
            26.9
            0.1
            60.1
            80.3
            12.6C
            Moderate risk
            3.20
            6,989
            374
            815
            54.9
            25.9
            42.8
            0.2
            45.9
            98.4
            13.3D
            Other
            3.80
            6,072
            264
            764
            78.0
            30.3
            49.8
            0.7
            39.2
            97.6
            12.9
        3.
            Daily
            2.57
            1,961
            441
            745
            93.9
            1.8
            23.8
            0.1
            69.2
            99.3
            25.3A
            Minimal risk
            3.02
            41
            384
            649
            59.2
            3.1
            70.9
            0.0
            1.5
            100.0
            26.6B
            Low risk
            2.31
            604
            546
            1,053
            94.6
            0.2
            17.6
            0.0
            63.7
            100.0
            18.4C
            Moderate risk
            2.35
            691
            537
            454
            91.6
            3.3
            18.5
            0.0
            71.7
            99.8
            33.5D
            Other
            4.17
            215
            144
            550
            98.7
            4.6
            65.4
            1.2
            49.4
            98.4
            9.9
        4.
            2 to 30 days
            2.99
            39,404
            857
            1,355
            86.6
            6.1
            4.5
            0.1
            76.6
            93.6
            9.7A
            Minimal risk
            3.34
            493
            175
            290
            91.6
            10.1
            14.7
            0.0
            19.5
            29.4
            7.8B
            Low risk
            2.32
            4,172
            624
            513
            45.1
            12.8
            4.2
            0.0
            27.2
            84.1
            14.2C
            Moderate risk
            2.63
            7,105
            456
            858
            74.8
            11.6
            3.2
            0.2
            66.3
            92.8
            12.8D
            Other
            3.63
            15,681
            877
            1,974
            96.0
            4.4
            4.6
            0.0
            80.2
            93.7
            4.0
        5.
            31 to 365 days
            3.09
            3,965
            396
            577
            61.8
            8.9
            13.6
            1.3
            48.5
            95.2
            11.7A
            Minimal risk
            2.45
            74
            389
            261
            100.0
            1.8
            0.0
            0.0
            49.3
            89.2
            35.6B
            Low risk
            2.34
            610
            719
            359
            34.8
            20.8
            5.6
            1.6
            49.0
            96.1
            9.5C
            Moderate risk
            3.12
            1,583
            566
            565
            40.7
            10.2
            21.5
            1.9
            29.4
            93.7
            8.0D
            Other
            3.86
            852
            269
            566
            83.5
            7.1
            12.2
            1.3
            40.7
            95.6
            12.8Months6.
            More than 365 days
            3.16
            9,054
            820
            44
            27.8
            4.8
            4.9
            0.3
            16.5
            95.3
            12.1A
            Minimal risk
            3.09
            233
            322
            46
            50.6
            0.1
            5.3
            0.0
            3.6
            95.2
            8.9B
            Low risk
            2.85
            2,561
            1,732
            38
            26.6
            2.8
            3.9
            0.0
            9.4
            94.1
            21.5C
            Moderate risk
            3.03
            3,429
            931
            48
            23.2
            8.6
            5.2
            0.2
            17.1
            97.1
            12.2D
            Other
            4.44
            608
            177
            53
            82.3
            10.9
            15.1
            2.3
            47.5
            80.3
            6.5Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.02
            3,035
            3.3
            140
            92.9
            4.9
            39.9
            2.2
            17.2
            78.7
            8.08.
            100 - 999
            3.67
            10,119
            3.2
            149
            86.7
            12.4
            39.7
            0.9
            24.1
            82.7
            10.99.
            1,000 - 9,999
            2.98
            17,353
            3.1
            155
            64.8
            18.8
            23.3
            0.1
            57.9
            95.9
            16.310.
            10,000+
            2.91
            40,987
            3.3
            210
            69.6
            6.8
            2.7
            0.0
            72.4
            97.6
            9.6Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.22
            10,394
            3.3
            69
            79.0
            1.9
            210
            1.0
            35.6
            90.1
            12.312.
            Other
            2.88
            61,101
            3.2
            205
            70.6
            11.9
            816
            0.1
            63.8
            95.0
            11.2  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
            3.01
            67,639
            729
            1,182
            71.2
            10.9
            12.1
            0.1
            61.5
            94.6
            11.8A
            Minimal risk
            2.87
            1,097
            302
            650
            68.2
            6.3
            24.0
            0.1
            21.2
            61.2
            14.4B
            Low risk
            2.47
            10,367
            898
            788
            40.5
            12.6
            9.6
            0.0
            35.5
            87.2
            16.1C
            Moderate risk
            2.82
            18,437
            576
            912
            55.4
            16.5
            16.3
            0.1
            49.1
            96.0
            14.0D
            Other
            3.66
            22,006
            614
            1,642
            90.2
            11.9
            14.0
            0.2
            70.0
            95.0
            7.0
        2.
            Zero interval
            3.19
            15,383
            451
            810
            57.6
            27.6
            39.2
            0.1
            48.1
            94.5
            13.8A
            Minimal risk
            2.43
            427
            751
            463
            55.3
            4.4
            38.7
            0.3
            30.6
            82.5
            14.8B
            Low risk
            2.51
            2,789
            787
            899
            37.9
            20.9
            25.4
            0.0
            60.9
            79.7
            12.8C
            Moderate risk
            3.12
            6,465
            480
            837
            52.4
            28.0
            40.5
            0.0
            47.3
            98.3
            13.9D
            Other
            3.71
            5,273
            344
            776
            75.2
            34.8
            44.5
            0.3
            43.3
            98.7
            14.0
        3.
            Daily
            2.27
            1,703
            1,169
            756
            94.2
            1.7
            14.4
            0.0
            73.0
            99.8
            27.7A
            Minimal risk
            3.02
            41
            407
            652
            58.4
            3.1
            70.3
            0.0
            0.0
            100.0
            27.2B
            Low risk
            2.20
            576
            900
            1,069
            94.6
            0.2
            13.5
            0.0
            66.8
            100.0
            17.9C
            Moderate risk
            2.17
            624
            1,376
            428
            92.5
            3.6
            11.5
            0.0
            77.4
            99.8
            36.3D
            Other
            3.61
            94
            685
            603
            99.0
            4.0
            38.3
            0.0
            41.4
            98.0
            15.0
        4.
            2 to 30 days
            2.98
            39,013
            907
            1,364
            86.6
            6.1
            3.9
            0.0
            77.2
            93.6
            9.7A
            Minimal risk
            3.33
            485
            174
            281
            91.5
            9.9
            14.1
            0.0
            19.8
            29.1
            8.0B
            Low risk
            2.31
            4,129
            639
            515
            44.9
            12.9
            4.0
            0.0
            27.2
            83.9
            14.3C
            Moderate risk
            2.61
            6,993
            478
            864
            74.4
            11.8
            2.2
            0.1
            66.9
            92.9
            12.9D
            Other
            3.62
            15,456
            953
            1,999
            96.0
            4.5
            3.7
            0.0
            81.2
            93.6
            4.0
        5.
            31 to 365 days
            2.90
            3,205
            543
            594
            64.3
            10.3
            6.8
            0.4
            55.8
            95.8
            13.2A
            Minimal risk
            2.09
            27
            457
            270
            100.0
            2.5
            0.1
            0.0
            0.0
            73.5
            8.4B
            Low risk
            2.37
            443
            1,333
            456
            42.5
            28.7
            5.7
            0.3
            64.5
            95.3
            11.9C
            Moderate risk
            2.69
            1,186
            1,212
            522
            37.7
            11.8
            6.9
            0.1
            35.9
            92.3
            10.0D
            Other
            3.72
            743
            371
            552
            82.4
            7.9
            9.1
            1.2
            44.1
            98.6
            14.0Months6.
            More than 365 days
            3.00
            8,063
            2,141
            41
            20.3
            4.4
            1.9
            0.3
            13.1
            98.0
            13.4A
            Minimal risk
            2.63
            116
            947
            60
            13.8
            0.2
            1.4
            0.0
            4.7
            100.0
            17.3B
            Low risk
            2.77
            2,428
            4,321
            36
            22.9
            2.8
            0.8
            0.0
            7.6
            96.9
            22.0C
            Moderate risk
            2.85
            3,084
            2,294
            45
            16.5
            8.4
            2.6
            0.1
            13.4
            98.7
            13.6D
            Other
            4.30
            359
            312
            45
            73.1
            7.8
            12.9
            2.6
            55.2
            92.9
            9.8Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.72
            2,221
            3.3
            68
            93.5
            6.0
            29.0
            1.5
            13.6
            75.3
            9.28.
            100 - 999
            3.53
            8,209
            3.2
            71
            86.2
            14.8
            36.7
            0.4
            22.0
            80.4
            12.99.
            1,000 - 9,999
            2.93
            16,283
            3.1
            123
            64.9
            19.7
            21.4
            0.0
            60.4
            96.8
            16.910.
            10,000+
            2.91
            40,927
            3.3
            211
            69.5
            6.8
            2.6
            0.0
            72.5
            97.6
            9.6Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.16
            8,196
            3.3
            24
            78.1
            1.8
            288
            0.4
            39.9
            89.7
            14.612.
            Other
            2.86
            59,443
            3.2
            188
            70.3
            12.1
            924
            0.1
            64.5
            95.3
            11.4  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
            4.22
            3,856
            123
            978
            82.4
            3.1
            57.0
            2.7
            27.7
            88.9
            4.0A
            Minimal risk
            3.35
            179
            212
            757
            91.6
            1.4
            11.3
            0.0
            22.7
            90.8
            13.2B
            Low risk
            3.34
            458
            166
            943
            55.6
            1.1
            41.8
            2.2
            23.7
            82.5
            5.7C
            Moderate risk
            4.32
            1,449
            130
            1,046
            75.8
            4.1
            59.0
            4.0
            27.8
            94.1
            2.9D
            Other
            4.42
            1,502
            106
            850
            95.5
            3.4
            67.8
            2.4
            19.7
            86.5
            4.0
        2.
            Zero interval
            4.27
            1,454
            103
            563
            90.2
            0.4
            77.6
            2.8
            21.4
            94.6
            5.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.91
            87
            139
            357
            59.7
            0.0
            73.5
            1.6
            32.1
            99.7
            6.5C
            Moderate risk
            4.18
            524
            100
            460
            85.4
            0.1
            70.5
            2.2
            28.2
            99.3
            6.3D
            Other
            4.40
            799
            104
            666
            96.1
            0.7
            85.3
            3.4
            12.2
            90.7
            4.7
        3.
            Daily
            4.56
            257
            86
            673
            91.4
            2.6
            86.4
            1.0
            44.1
            96.0
            8.4A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.54
            28
            61
            276
            96.2
            0.0
            100.0
            0.0
            1.9
            100.0
            29.9C
            Moderate risk
            4.06
            67
            81
            715
            83.6
            1.0
            84.2
            0.1
            19.4
            99.2
            7.4D
            Other
            4.61
            121
            90
            518
            98.5
            5.0
            86.4
            2.1
            55.6
            98.7
            6.1
        4.
            2 to 30 days
            3.83
            391
            133
            399
            91.5
            1.1
            59.9
            3.3
            16.9
            94.5
            4.3A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.03
            43
            189
            213
            65.5
            3.0
            23.6
            0.0
            28.3
            100.0
            3.4C
            Moderate risk
            3.83
            112
            120
            487
            96.2
            1.3
            61.0
            10.9
            25.7
            88.8
            4.0D
            Other
            3.99
            224
            135
            377
            93.6
            0.1
            67.4
            0.3
            9.6
            97.8
            4.7
        5.
            31 to 365 days
            3.90
            760
            185
            503
            51.1
            3.1
            42.5
            5.2
            17.5
            92.9
            5.3A
            Minimal risk
            2.66
            47
            358
            255
            100.0
            1.4
            0.0
            0.0
            78.1
            98.3
            47.5B
            Low risk
            2.25
            167
            323
            100
            14.3
            0.0
            5.5
            5.1
            7.6
            98.2
            3.4C
            Moderate risk
            4.41
            397
            219
            694
            49.7
            5.4
            65.1
            7.4
            9.7
            97.8
            2.1D
            Other
            4.79
            108
            93
            664
            90.9
            1.3
            32.9
            1.6
            17.2
            74.6
            1.9Months6.
            More than 365 days
            4.46
            991
            136
            67
            89.1
            7.8
            29.3
            0.9
            44.7
            73.5
            -1.7A
            Minimal risk
            3.54
            117
            195
            32
            87.2
            0.0
            9.1
            0.0
            2.5
            90.4
            -0.3B
            Low risk
            4.18
            133
            145
            77
            92.7
            2.7
            60.0
            0.0
            41.6
            42.4
            0.8C
            Moderate risk
            4.64
            346
            148
            73
            83.1
            10.2
            29.2
            1.2
            50.4
            82.7
            -3.7D
            Other
            4.63
            249
            109
            64
            95.6
            15.4
            18.3
            1.9
            36.5
            62.0
            -0.4Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.85
            815
            3.5
            326
            91.6
            2.1
            69.6
            4.2
            27.0
            88.1
            5.28.
            100 - 999
            4.28
            1,910
            3.3
            479
            88.5
            2.5
            52.7
            3.2
            33.3
            93.0
            3.79.
            1,000 - 9,999
            3.69
            1,070
            3.0
            635
            63.6
            5.0
            52.6
            0.7
            19.7
            81.7
            3.910.
            10,000+
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.46
            2,198
            3.5
            238
            82.1
            2.0
            105
            3.1
            19.2
            92.0
            3.912.
            Other
            3.91
            1,658
            3.0
            807
            82.8
            4.4
            158
            2.1
            38.9
            84.9
            4.1  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
            1.72
            48,561
            14,129
            182
            41.1
            80.0
            3.4
            0.0
            18.8
            59.3
            9.3A
            Minimal risk
            1.85
            367
            2,713
            562
            9.2
            40.4
            0.0
            0.0
            59.5
            100.0
            2.6B
            Low risk
            1.16
            18,577
            23,705
            112
            23.0
            86.4
            0.5
            0.0
            11.6
            83.1
            7.0C
            Moderate risk
            1.41
            18,790
            19,115
            187
            48.3
            85.8
            3.7
            0.0
            14.1
            26.9
            11.6D
            Other
            2.94
            9,056
            6,409
            256
            56.7
            52.8
            9.6
            0.0
            36.8
            67.8
            13.0
        2.
            Zero interval
            4.83
            726
            1,351
            1,135
            48.8
            0.9
            57.7
            0.0
            62.2
            100.0
            23.3A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            4.19
            101
            3,649
            942
            15.4
            0.0
            42.4
            0.0
            96.3
            100.0
            23.6C
            Moderate risk
            4.73
            170
            1,312
            1,248
            53.5
            0.0
            63.4
            0.0
            59.6
            100.0
            24.1D
            Other
            5.10
            422
            1,186
            1,141
            56.0
            0.0
            61.6
            0.0
            52.2
            100.0
            22.6
        3.
            Daily
            1.11
            28,044
            53,155
            18
            38.8
            85.7
            0.0
            0.0
            3.3
            41.0
            8.1A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            1.02
            12,502
            102,849
            6
            16.1
            89.4
            0.0
            0.0
            0.7
            81.5
            7.3C
            Moderate risk
            1.11
            13,148
            73,985
            29
            55.6
            92.3
            0.0
            0.0
            4.9
            6.5
            9.9D
            Other
            1.58
            2,394
            10,484
            21
            65.5
            29.9
            0.0
            0.0
            8.6
            18.6
            21.8
        4.
            2 to 30 days
            1.93
            13,646
            8,332
            425
            35.2
            70.7
            1.9
            0.0
            34.2
            81.4
            10.7A
            Minimal risk
            1.71
            319
            4,100
            566
            7.8
            46.5
            0.0
            0.0
            53.5
            100.0
            1.2B
            Low risk
            1.44
            4,489
            11,123
            356
            38.3
            85.9
            0.0
            0.0
            34.4
            89.1
            6.9C
            Moderate risk
            1.93
            4,398
            9,161
            558
            30.9
            68.9
            4.7
            0.0
            33.7
            74.3
            12.0D
            Other
            2.45
            4,264
            6,556
            343
            39.7
            57.4
            1.3
            0.0
            30.4
            78.3
            14.5
        5.
            31 to 365 days
            4.58
            3,692
            7,404
            160
            83.9
            76.8
            10.8
            0.0
            51.9
            92.4
            5.2A
            Minimal risk
            2.11
            33
            778
            190
            0.6
            0.0
            0.0
            0.0
            99.4
            100.0
            0.0B
            Low risk
            1.73
            565
            2,826
            465
            86.9
            37.8
            0.0
            0.0
            66.8
            59.8
            8.7C
            Moderate risk
            2.55
            278
            2,122
            443
            13.1
            60.0
            3.8
            0.0
            20.5
            89.4
            14.5D
            Other
            5.24
            1,787
            14,928
            80
            86.5
            79.9
            21.8
            0.0
            80.5
            98.6
            6.1Months6.
            More than 365 days
            2.24
            2,454
            10,384
            16
            33.9
            94.8
            23.8
            0.0
            46.6
            83.4
            10.5A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            1.12
            919
            29,794
            2
            4.6
            86.6
            4.6
            0.0
            6.2
            89.6
            0.7C
            Moderate risk
            2.48
            796
            12,287
            15
            35.9
            99.3
            46.8
            0.0
            46.0
            63.3
            6.2D
            Other
            4.75
            190
            3,203
            32
            48.8
            99.9
            89.9
            0.0
            90.2
            90.3
            9.7Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.30
            16
            2.6
            61
            45.2
            8.7
            18.6
            0.0
            62.1
            84.6
            13.88.
            100 - 999
            3.32
            443
            3.3
            65
            52.2
            37.5
            27.4
            0.0
            60.6
            84.1
            22.09.
            1,000 - 9,999
            2.60
            5,236
            3.4
            96
            50.8
            56.4
            11.1
            0.0
            50.9
            75.6
            16.110.
            10,000+
            1.59
            42,866
            2.7
            25
            39.9
            83.3
            2.3
            0.0
            14.4
            57.0
            8.0Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.52
            1,670
            3.5
            382
            62.6
            60.1
            2,948
            0.0
            81.3
            97.3
            15.912.
            Other
            1.62
            46,891
            2.8
            21
            40.4
            80.7
            16,335
            0.0
            16.5
            57.9
            8.9  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
            2.57
            49,433
            1,203
            3.3
            114
            69.1
            38.0
            4.9
            0.1
            39.5A
            Not under commitment
            1.55
            23,863
            1,014
            3.0
            38
            61.2
            62.3
            4.5
            0.0
            4.0B
            Informal commitment
            3.27
            1,246
            184
            3.0
            312
            72.3
            24.6
            27.2
            1.0
            29.0C
            Formal commitment
            3.54
            24,323
            2,253
            3.6
            178
            76.7
            14.9
            4.2
            0.1
            74.82.
            Before survey week 11A
            Up to 90 days
            2.48
            10,134
            534
            2.9
            82
            39.9
            51.6
            14.2
            0.5
            37.4B
            91 to 365 days
            2.30
            34,592
            756
            2.7
            136
            42.8
            50.3
            13.2
            0.2
            36.0C
            More than 365 days
            2.77
            25,898
            1,184
            3.1
            143
            70.7
            18.9
            14.0
            0.1
            62.0
        Domestic banks3.
            During survey week
            3.45
            25,484
            640
            3.5
            213
            81.2
            2.5
            9.2
            0.1
            67.8A
            Not under commitment
            3.53
            4,079
            180
            2.8
            205
            82.7
            5.1
            25.1
            0.3
            18.2B
            Informal commitment
            3.90
            958
            142
            3.1
            404
            94.0
            1.9
            35.4
            1.3
            36.9C
            Formal commitment
            3.42
            20,448
            1,977
            3.7
            206
            80.3
            2.1
            4.8
            0.1
            79.24.
            Before survey week 11A
            Up to 90 days
            3.09
            5,763
            312
            3.1
            131
            59.0
            19.2
            24.0
            0.9
            39.0B
            91 to 365 days
            2.91
            18,912
            417
            3.1
            209
            62.6
            15.3
            18.9
            0.4
            51.2C
            More than 365 days
            2.78
            21,336
            1,034
            3.1
            146
            72.2
            13.2
            14.5
            0.1
            63.2
        Large domestic banks5.
            During survey week
            3.38
            23,350
            897
            3.5
            160
            81.6
            2.4
            5.3
            0.1
            71.6A
            Not under commitment
            3.40
            3,652
            191
            2.7
            88
            82.5
            4.7
            23.2
            0.2
            17.6B
            Informal commitment
            3.39
            382
            220
            3.5
            134
            97.4
            0.0
            4.3
            1.5
            50.4C
            Formal commitment
            3.37
            19,316
            3,732
            3.7
            174
            81.1
            2.0
            1.9
            0.0
            82.36.
            Before survey week 11A
            Up to 90 days
            2.98
            5,251
            380
            3.1
            119
            56.6
            20.6
            19.8
            0.4
            40.3B
            91 to 365 days
            2.84
            17,921
            518
            3.0
            219
            61.1
            16.1
            16.5
            0.1
            52.4C
            More than 365 days
            2.77
            21,117
            1,146
            3.1
            147
            72.0
            13.4
            14.1
            0.1
            63.3
        Small domestic banks7.
            During survey week
            4.26
            2,134
            155
            3.1
            788
            77.2
            4.2
            51.9
            0.7
            26.0A
            Not under commitment
            4.57
            427
            119
            3.3
            1,205
            84.9
            8.2
            41.4
            0.5
            23.2B
            Informal commitment
            4.24
            576
            115
            2.8
            578
            91.8
            3.2
            56.0
            1.1
            28.0C
            Formal commitment
            4.16
            1,132
            219
            3.1
            738
            66.9
            3.3
            53.7
            0.6
            26.08.
            Before survey week 11A
            Up to 90 days
            4.25
            512
            109
            3.6
            255
            84.0
            4.4
            67.1
            6.2
            25.8B
            91 to 365 days
            4.19
            991
            92
            3.5
            33
            91.1
            0.5
            62.8
            5.5
            28.0C
            More than 365 days
            3.94
            219
            99
            2.9
            70
            90.4
            0.6
            57.2
            0.7
            47.3
        Foreign banks9.
            During survey week
            1.63
            23,949
            18,508
            3.0
            9
            56.2
            75.8
            0.4
            0.0
            9.3A
            Not under commitment
            1.14
            19,785
            24,401
            3.0
            4
            56.8
            74.1
            0.2
            0.0
            1.0B
            Informal commitment
            1.15
            289
            10,401
            2.7
            9
            0.3
            99.7
            0.1
            0.0
            2.9C
            Formal commitment
            4.18
            3,875
            8,509
            3.4
            34
            57.7
            82.4
            1.2
            0.0
            52.110.
            Before survey week 11A
            Up to 90 days
            1.69
            4,371
            9,151
            2.7
            18
            14.7
            94.4
            1.2
            0.0
            35.2B
            91 to 365 days
            1.55
            15,680
            35,441
            2.3
            48
            18.9
            92.5
            6.3
            0.0
            17.7C
            More than 365 days
            2.75
            4,562
            3,730
            3.3
            127
            63.8
            45.4
            11.9
            0.0
            56.4  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
            5.42
            172
            64
            3.4
            493
            88.4
            19.0
            60.0
            38.22.
            Domestic banks
            5.42
            172
            64
            3.4
            493
            88.4
            19.0
            60.0
            38.23.
            Large domestic banks
            5.91
            68
            50
            3.7
            1,041
            78.6
            14.7
            50.5
            0.04.
            Small domestic banks
            5.10
            104
            79
            3.3
            133
            94.9
            21.7
            66.2
            63.35.
            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
            3.08
            51,797
            1,953
            3.4
            82
            78.6
            20.9
            9.8
            0.12.
            Domestic banks
            3.05
            42,684
            1,723
            3.4
            68
            82.2
            8.8
            8.7
            0.23.
            Large domestic banks
            3.01
            41,617
            2,501
            3.4
            50
            81.9
            9.0
            7.9
            0.04.
            Small domestic banks
            4.39
            1,067
            131
            3.2
            782
            94.4
            0.6
            39.6
            6.25.
            Foreign banks
            3.21
            9,113
            5,200
            3.1
            144
            61.9
            77.6
            14.9
            0.0  Summary statistics
                All
                    commercial
                    banks
                Domestic
                    banks
                Large
                    domestic
                    banks
                Small
                    domestic
                    banks
                Foreign
                    banks1.
            Average reported prime rate
            3.75
            3.76
            3.75
            3.81
            3.642.
            Standard error of loan rate
            .21
            .10
            .09
            .12
            .31    Footnotes 1.
            As of December 31, 2016 , assets of the large banks were at
            least     $5.5  billion.  Median total assets for all insured
            banks were roughly     $202  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.
   Home Economic Research & Data
 Accessibility Contact us Disclaimer  Linking Policy FOIA
 PDF Reader