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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 AUGUST 3-7, 2015 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
            2.22
            97,178
            670
            703
            55.9
            35.6
            17.3
            0.4
            47.0
            83.8
            14.3A
            Minimal risk
            1.65
            1,795
            512
            606
            42.7
            28.8
            10.8
            0.0
            31.6
            81.8
            4.9B
            Low risk
            1.53
            21,179
            1,376
            505
            24.3
            36.1
            10.2
            0.3
            29.2
            83.2
            11.2C
            Moderate risk
            2.13
            34,353
            623
            716
            57.0
            43.6
            19.2
            0.3
            44.6
            80.0
            11.3D
            Other
            2.82
            21,122
            367
            533
            58.7
            32.2
            26.0
            0.8
            32.2
            79.0
            11.8
        2.
            Zero interval
            2.99
            24,568
            423
            894
            58.5
            22.5
            46.3
            0.7
            42.9
            93.5
            12.5A
            Minimal risk
            1.54
            468
            697
            692
            55.5
            15.5
            21.1
            0.2
            53.3
            89.5
            9.5B
            Low risk
            2.50
            2,350
            514
            1,006
            52.9
            13.9
            46.6
            2.0
            50.6
            89.3
            9.6C
            Moderate risk
            2.77
            11,907
            500
            856
            51.8
            26.4
            42.4
            0.4
            41.5
            95.0
            10.5D
            Other
            3.54
            7,614
            301
            808
            69.6
            26.2
            51.7
            0.9
            37.4
            97.4
            12.6
        3.
            Daily
            1.05
            16,472
            2,874
            307
            43.5
            44.7
            2.4
            0.1
            26.1
            54.1
            23.8A
            Minimal risk
            2.07
            148
            443
            961
            97.5
            11.0
            8.3
            0.0
            43.2
            100.0
            1.9B
            Low risk
            0.75
            5,605
            3,835
            30
            7.6
            46.1
            1.3
            0.0
            2.5
            62.3
            15.2C
            Moderate risk
            0.71
            4,659
            2,857
            86
            59.3
            79.7
            2.3
            0.1
            7.0
            18.1
            3.7D
            Other
            1.57
            2,857
            1,728
            177
            23.4
            35.8
            5.9
            0.2
            20.7
            42.9
            8.0
        4.
            2 to 30 days
            1.84
            33,957
            692
            624
            56.5
            34.2
            7.1
            0.1
            45.5
            84.4
            13.8A
            Minimal risk
            1.60
            809
            510
            531
            33.1
            46.2
            6.7
            0.0
            17.6
            73.4
            2.6B
            Low risk
            1.61
            9,187
            1,495
            538
            28.5
            32.7
            6.1
            0.0
            28.6
            89.0
            9.9C
            Moderate risk
            1.76
            10,692
            565
            603
            57.3
            52.8
            4.1
            0.1
            50.0
            81.5
            12.7D
            Other
            2.24
            7,065
            352
            259
            58.4
            34.6
            8.9
            0.1
            24.3
            70.5
            11.9
        5.
            31 to 365 days
            2.79
            16,451
            1,062
            747
            63.2
            39.2
            7.7
            0.5
            67.7
            95.9
            11.4A
            Minimal risk
            1.63
            320
            463
            449
            24.1
            9.3
            8.2
            0.0
            30.9
            80.7
            4.3B
            Low risk
            1.72
            3,025
            1,349
            746
            20.6
            35.1
            5.5
            0.0
            42.8
            94.8
            12.2C
            Moderate risk
            2.30
            5,380
            924
            953
            63.8
            29.1
            8.0
            0.7
            66.8
            96.0
            13.1D
            Other
            3.15
            2,541
            457
            460
            54.9
            37.9
            17.1
            1.3
            47.0
            92.2
            12.0Months6.
            More than 365 days
            3.13
            4,823
            393
            51
            61.4
            60.9
            25.8
            3.1
            72.9
            87.5
            11.6A
            Minimal risk
            2.43
            49
            235
            33
            35.2
            51.1
            3.9
            0.0
            23.5
            97.7
            4.8B
            Low risk
            2.40
            1,013
            1,046
            41
            24.3
            65.7
            27.0
            0.8
            91.2
            96.4
            7.3C
            Moderate risk
            3.44
            1,616
            426
            50
            61.3
            55.4
            33.9
            1.1
            68.4
            84.4
            6.3D
            Other
            4.15
            966
            243
            47
            85.4
            38.0
            31.5
            6.3
            46.9
            70.5
            9.6Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.69
            3,409
            3.4
            159
            89.0
            6.2
            52.0
            4.8
            13.9
            77.6
            7.08.
            100 - 999
            3.32
            13,018
            3.3
            103
            81.4
            12.6
            47.1
            1.3
            21.9
            81.2
            10.59.
            1,000 - 9,999
            2.52
            23,343
            3.1
            113
            54.2
            27.6
            24.1
            0.4
            54.0
            89.5
            15.210.
            10,000+
            1.77
            57,409
            2.8
            74
            48.8
            45.8
            5.7
            0.0
            51.7
            82.4
            15.2Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.00
            16,803
            3.3
            123
            73.0
            6.3
            231
            2.1
            40.4
            88.4
            11.512.
            Other
            1.85
            80,375
            2.9
            84
            52.3
            41.7
            1,110
            0.1
            48.3
            82.8
            14.9  2. Commercial and industrial loans made by domestic banks 1 Maturity/repricing
                    interval 2 and
                    risk 3 of loans
                Weighted-
                    average
                    effective
                    loan rate 4
                    (percent)
                Total value
                    of loans
                    ($ millions)
                Average
                    loan size
                    ($ thousands)
                Weighted-
                    average
                    maturity 5
                Percent of value of loans
                Commitment statusSecured
                    by
                    collateral
                Subject to
                    prepayment
                    penalty
                Prime
                    based
                SBA
                    backed 6
                Made under
                    participation
                    or syndication 7
                Percent
                    made under
                    commitment
                Average
                    months
                    since loan
                    terms set 8Days1.
            All C&I loans
            2.53
            64,524
            456
            849
            66.1
            15.5
            23.9
            0.7
            49.7
            91.3
            16.6A
            Minimal risk
            2.03
            1,052
            335
            719
            57.6
            15.0
            18.4
            0.1
            39.7
            72.1
            9.3B
            Low risk
            2.01
            12,515
            846
            574
            36.8
            9.3
            15.3
            0.4
            30.6
            89.9
            16.3C
            Moderate risk
            2.63
            22,331
            413
            852
            60.6
            21.8
            26.7
            0.5
            46.1
            92.6
            12.2D
            Other
            3.28
            14,187
            253
            664
            75.2
            23.5
            35.8
            1.3
            35.5
            87.2
            12.0
        2.
            Zero interval
            2.96
            23,893
            416
            885
            58.8
            23.1
            45.2
            0.7
            42.8
            93.4
            12.4A
            Minimal risk
            1.55
            463
            697
            692
            55.0
            15.7
            21.4
            0.2
            54.0
            89.3
            9.6B
            Low risk
            2.49
            2,324
            510
            997
            53.5
            13.6
            46.4
            2.0
            50.1
            89.2
            9.6C
            Moderate risk
            2.74
            11,647
            493
            848
            52.4
            26.9
            41.3
            0.4
            41.8
            95.0
            10.4D
            Other
            3.48
            7,262
            291
            790
            70.0
            27.3
            50.3
            1.0
            36.3
            97.2
            12.3
        3.
            Daily
            1.88
            5,304
            1,029
            876
            79.0
            0.4
            7.3
            0.2
            68.5
            98.4
            39.8A
            Minimal risk
            2.08
            53
            235
            344
            100.0
            26.4
            22.9
            0.0
            0.0
            100.0
            5.3B
            Low risk
            1.71
            1,184
            881
            17
            22.1
            0.0
            6.4
            0.0
            0.0
            100.0
            44.6C
            Moderate risk
            2.70
            294
            196
            160
            78.3
            0.8
            37.1
            0.9
            30.6
            99.3
            6.7D
            Other
            3.38
            596
            417
            783
            80.8
            0.6
            28.0
            0.9
            63.8
            87.4
            13.4
        4.
            2 to 30 days
            2.22
            21,970
            459
            682
            70.2
            7.6
            11.0
            0.1
            46.0
            87.0
            17.4A
            Minimal risk
            2.48
            356
            246
            1,014
            65.7
            6.2
            15.2
            0.0
            27.8
            39.6
            10.4B
            Low risk
            1.95
            6,171
            1,051
            470
            39.0
            3.5
            9.1
            0.0
            21.4
            86.5
            13.7C
            Moderate risk
            2.45
            4,947
            267
            574
            64.6
            11.3
            8.7
            0.2
            35.2
            86.9
            16.8D
            Other
            2.80
            4,327
            220
            285
            82.1
            17.5
            14.5
            0.2
            31.5
            73.5
            13.0
        5.
            31 to 365 days
            2.34
            10,229
            695
            888
            68.1
            15.6
            11.8
            0.8
            63.8
            95.5
            14.9A
            Minimal risk
            2.39
            133
            230
            420
            37.5
            17.7
            19.8
            0.0
            45.7
            79.0
            10.6B
            Low risk
            1.88
            2,120
            996
            579
            25.3
            9.8
            7.8
            0.0
            33.4
            92.7
            16.6C
            Moderate risk
            2.37
            4,115
            738
            971
            75.0
            16.0
            10.0
            0.9
            69.6
            96.0
            14.0D
            Other
            3.35
            1,230
            232
            411
            70.8
            29.7
            35.2
            2.6
            38.8
            94.7
            8.6Months6.
            More than 365 days
            3.22
            2,894
            244
            50
            61.9
            41.8
            16.8
            5.1
            55.3
            79.7
            6.9A
            Minimal risk
            2.33
            46
            223
            32
            30.9
            54.5
            4.2
            0.0
            18.4
            97.6
            4.7B
            Low risk
            1.83
            717
            798
            38
            21.9
            59.6
            4.9
            1.1
            89.6
            97.0
            6.9C
            Moderate risk
            3.26
            1,228
            330
            50
            67.5
            42.2
            14.0
            1.4
            58.4
            79.5
            6.3D
            Other
            4.03
            695
            182
            48
            88.6
            32.5
            23.4
            8.8
            26.2
            58.9
            9.2Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.69
            3,391
            3.4
            159
            89.1
            6.2
            52.1
            4.8
            13.7
            77.5
            6.98.
            100 - 999
            3.33
            12,577
            3.3
            100
            82.5
            11.8
            47.7
            1.4
            20.4
            80.8
            10.39.
            1,000 - 9,999
            2.67
            18,096
            3.1
            84
            60.9
            18.6
            27.9
            0.5
            55.1
            93.3
            16.010.
            10,000+
            2.00
            30,460
            2.8
            61
            59.8
            16.3
            8.5
            0.0
            62.7
            96.0
            20.0Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            3.98
            15,426
            3.3
            60
            75.7
            1.8
            214
            2.3
            37.1
            87.5
            11.512.
            Other
            2.08
            49,098
            2.9
            86
            63.0
            19.8
            706
            0.1
            53.7
            92.5
            18.1  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
            2.41
            60,201
            558
            849
            64.4
            16.0
            21.1
            0.5
            51.0
            92.1
            17.3A
            Minimal risk
            1.87
            971
            411
            754
            54.6
            15.9
            15.3
            0.1
            40.0
            72.3
            10.0B
            Low risk
            1.97
            12,238
            997
            568
            35.8
            9.5
            14.1
            0.4
            30.7
            90.0
            16.5C
            Moderate risk
            2.48
            20,342
            505
            848
            57.9
            22.5
            23.3
            0.3
            47.5
            94.0
            12.8D
            Other
            3.13
            12,384
            296
            662
            73.1
            26.3
            31.5
            1.1
            36.0
            87.9
            12.7
        2.
            Zero interval
            2.83
            21,777
            529
            909
            56.3
            24.8
            42.0
            0.5
            44.6
            93.9
            13.0A
            Minimal risk
            1.47
            449
            848
            702
            54.0
            16.2
            19.7
            0.2
            54.9
            89.6
            9.8B
            Low risk
            2.44
            2,210
            592
            1,019
            52.4
            14.2
            44.9
            1.8
            51.7
            88.7
            9.7C
            Moderate risk
            2.59
            10,481
            651
            863
            48.9
            29.1
            37.3
            0.2
            43.9
            95.9
            11.0D
            Other
            3.36
            6,483
            364
            819
            68.0
            30.2
            46.1
            0.6
            38.2
            98.3
            12.8
        3.
            Daily
            1.70
            4,947
            2,316
            869
            77.7
            0.4
            1.9
            0.2
            70.1
            99.7
            41.8A
            Minimal risk
            1.74
            47
            305
            141
            100.0
            29.9
            12.5
            0.0
            0.0
            100.0
            6.1B
            Low risk
            1.66
            1,158
            1,081
            10
            20.4
            0.0
            4.3
            0.0
            0.0
            100.0
            45.5C
            Moderate risk
            2.20
            205
            333
            118
            70.6
            0.2
            10.6
            1.3
            36.3
            99.4
            8.0D
            Other
            2.89
            390
            2,413
            493
            71.6
            0.7
            3.7
            1.2
            65.7
            99.2
            15.3
        4.
            2 to 30 days
            2.19
            21,429
            492
            692
            69.6
            7.6
            9.8
            0.1
            46.5
            86.8
            17.7A
            Minimal risk
            2.47
            353
            247
            1,013
            65.4
            6.2
            14.6
            0.0
            28.0
            39.2
            10.6B
            Low risk
            1.94
            6,141
            1,130
            470
            38.8
            3.5
            8.8
            0.0
            21.4
            86.4
            13.7C
            Moderate risk
            2.41
            4,815
            280
            577
            63.6
            10.8
            7.0
            0.2
            35.7
            87.0
            17.1D
            Other
            2.73
            3,953
            229
            288
            81.1
            19.0
            10.9
            0.2
            31.2
            71.1
            13.8
        5.
            31 to 365 days
            2.23
            9,711
            963
            906
            67.1
            16.2
            10.5
            0.4
            64.6
            96.7
            15.3A
            Minimal risk
            1.62
            88
            424
            515
            8.6
            26.3
            0.8
            0.0
            44.6
            92.6
            13.4B
            Low risk
            1.81
            2,064
            1,199
            554
            23.9
            10.1
            5.9
            0.0
            32.3
            93.6
            16.8C
            Moderate risk
            2.27
            3,921
            1,105
            994
            74.5
            16.5
            9.3
            0.1
            70.1
            96.7
            14.5D
            Other
            3.14
            1,041
            277
            410
            68.0
            34.5
            34.2
            2.9
            39.7
            98.6
            8.6Months6.
            More than 365 days
            2.69
            2,110
            319
            45
            49.4
            47.5
            12.6
            6.7
            60.4
            87.9
            8.1A
            Minimal risk
            1.72
            32
            852
            34
            3.9
            68.4
            4.7
            0.0
            10.5
            99.7
            6.5B
            Low risk
            1.62
            665
            2,083
            38
            17.3
            64.1
            3.9
            1.0
            95.3
            99.0
            7.3C
            Moderate risk
            2.61
            821
            480
            47
            52.5
            42.8
            9.6
            2.0
            62.6
            95.0
            7.8D
            Other
            3.70
            443
            227
            48
            85.7
            42.1
            19.6
            13.1
            17.6
            57.0
            11.9Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.38
            2,542
            3.3
            139
            89.0
            7.4
            46.5
            5.1
            9.0
            74.9
            7.18.
            100 - 999
            3.13
            10,303
            3.3
            62
            81.0
            13.1
            43.8
            1.1
            18.1
            79.8
            11.49.
            1,000 - 9,999
            2.57
            16,956
            3.1
            63
            59.2
            18.4
            26.1
            0.4
            56.4
            94.9
            16.610.
            10,000+
            1.99
            30,400
            2.8
            61
            59.7
            16.3
            8.6
            0.0
            62.6
            96.0
            20.0Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            3.89
            12,729
            3.2
            43
            73.2
            1.7
            257
            2.1
            40.5
            87.6
            12.612.
            Other
            2.01
            47,472
            2.9
            70
            62.1
            19.8
            812
            0.1
            53.8
            93.2
            18.5  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
            4.26
            4,324
            129
            854
            88.9
            9.1
            62.4
            2.5
            32.3
            81.2
            5.2A
            Minimal risk
            3.96
            81
            105
            349
            94.1
            4.1
            55.6
            0.0
            36.6
            69.4
            0.8B
            Low risk
            3.93
            277
            110
            881
            79.4
            1.7
            66.8
            2.9
            26.8
            85.3
            5.9C
            Moderate risk
            4.16
            1,989
            144
            890
            88.3
            15.5
            61.4
            2.9
            31.5
            78.8
            3.9D
            Other
            4.33
            1,803
            126
            682
            89.9
            4.2
            64.9
            2.2
            32.5
            82.7
            7.0
        2.
            Zero interval
            4.21
            2,116
            130
            590
            84.4
            5.4
            78.9
            3.0
            23.4
            88.6
            5.8A
            Minimal risk
            4.17
            13
            100
            256
            88.4
            0.0
            76.9
            0.0
            23.9
            82.2
            1.7B
            Low risk
            3.53
            113
            138
            321
            75.0
            2.9
            77.3
            5.9
            17.9
            98.5
            9.1C
            Moderate risk
            4.06
            1,166
            155
            691
            83.6
            7.4
            77.5
            2.1
            23.0
            87.1
            4.6D
            Other
            4.54
            779
            108
            489
            86.2
            3.0
            85.4
            4.3
            20.6
            88.8
            7.1
        3.
            Daily
            4.37
            357
            118
            1,006
            97.5
            0.8
            82.1
            0.6
            47.4
            79.5
            5.1A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.85
            26
            96
            453
            97.8
            0.0
            100.0
            0.0
            0.0
            100.0
            2.6C
            Moderate risk
            3.85
            89
            100
            220
            96.0
            2.2
            98.1
            0.0
            17.5
            99.2
            3.6D
            Other
            4.29
            206
            162
            1,374
            98.3
            0.4
            73.8
            0.4
            60.2
            64.8
            8.0
        4.
            2 to 30 days
            3.63
            541
            127
            312
            93.9
            8.4
            57.9
            0.1
            29.5
            94.3
            6.5A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.15
            29
            68
            280
            84.7
            0.0
            67.6
            0.0
            16.8
            100.0
            3.8C
            Moderate risk
            3.87
            132
            98
            459
            98.5
            29.4
            70.2
            0.0
            15.3
            80.9
            7.1D
            Other
            3.57
            373
            157
            259
            92.9
            1.7
            52.4
            0.2
            35.8
            98.7
            6.7
        5.
            31 to 365 days
            4.44
            518
            112
            540
            86.5
            3.9
            37.4
            6.6
            47.2
            74.2
            4.7A
            Minimal risk
            3.93
            45
            121
            211
            94.5
            0.5
            57.5
            0.0
            47.9
            52.1
            0.9B
            Low risk
            4.59
            56
            138
            1,496
            75.2
            1.3
            74.8
            0.0
            72.3
            57.6
            6.1C
            Moderate risk
            4.25
            194
            96
            511
            86.0
            6.7
            23.8
            16.6
            60.9
            82.6
            2.4D
            Other
            4.48
            189
            122
            416
            86.0
            3.3
            40.8
            0.9
            33.6
            72.9
            8.7Months6.
            More than 365 days
            4.63
            784
            150
            62
            95.4
            26.8
            28.3
            0.7
            41.8
            57.7
            1.8A
            Minimal risk
            3.78
            14
            81
            26
            94.6
            21.7
            3.2
            0.0
            37.1
            92.6
            0.1B
            Low risk
            4.60
            52
            89
            37
            81.5
            1.1
            17.8
            2.5
            16.2
            70.8
            0.2C
            Moderate risk
            4.55
            407
            202
            57
            97.9
            41.1
            22.7
            0.2
            50.1
            48.1
            0.3D
            Other
            4.62
            252
            135
            48
            93.8
            15.5
            30.2
            1.4
            41.3
            62.3
            4.8Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            4.61
            849
            3.4
            217
            89.5
            2.6
            69.0
            4.1
            27.8
            85.4
            6.48.
            100 - 999
            4.21
            2,273
            3.4
            272
            89.6
            5.6
            65.2
            2.8
            30.6
            85.1
            5.59.
            1,000 - 9,999
            4.13
            1,141
            3.4
            398
            86.5
            21.2
            55.3
            0.8
            35.3
            69.3
            3.710.
            10,000+
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.41
            2,698
            3.4
            137
            87.8
            2.0
            120
            3.1
            21.0
            87.2
            6.112.
            Other
            4.01
            1,626
            3.4
            545
            90.8
            20.8
            147
            1.4
            51.0
            71.2
            3.4  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
            1.61
            32,654
            9,096
            441
            35.7
            75.2
            4.2
            0.0
            41.5
            68.9
            8.4A
            Minimal risk
            1.11
            743
            2,011
            487
            21.6
            48.4
            0.0
            0.0
            20.0
            95.4
            0.1B
            Low risk
            0.85
            8,664
            14,703
            420
            6.3
            74.7
            2.9
            0.0
            27.1
            73.4
            2.1C
            Moderate risk
            1.20
            12,022
            11,771
            496
            50.2
            83.9
            5.3
            0.0
            41.8
            56.7
            8.5D
            Other
            1.87
            6,935
            5,046
            304
            24.8
            49.8
            6.1
            0.0
            25.5
            62.2
            11.3
        2.
            Zero interval
            4.38
            675
            1,215
            1,242
            46.2
            3.8
            83.1
            0.0
            48.9
            97.8
            17.2A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...C
            Moderate risk
            3.95
            260
            1,415
            1,237
            23.7
            0.0
            92.3
            0.0
            24.5
            94.2
            14.7D
            Other
            4.69
            353
            1,051
            1,239
            62.4
            4.2
            79.5
            0.0
            59.6
            100.0
            19.6
        3.
            Daily
            0.66
            11,168
            19,368
            63
            26.6
            65.8
            0.0
            0.0
            5.9
            33.0
            1.2A
            Minimal risk
            2.07
            94
            890
            989
            96.2
            2.3
            0.0
            0.0
            67.8
            100.0
            0.0B
            Low risk
            0.49
            4,421
            37,511
            33
            3.7
            58.5
            0.0
            0.0
            3.2
            52.2
            0.2C
            Moderate risk
            0.57
            4,365
            34,145
            83
            58.0
            85.1
            0.0
            0.0
            5.5
            12.7
            2.1D
            Other
            1.10
            2,262
            10,140
            37
            8.3
            45.0
            0.0
            0.0
            9.4
            31.3
            4.0
        4.
            2 to 30 days
            1.14
            11,987
            9,669
            533
            31.4
            82.9
            0.0
            0.0
            44.6
            79.7
            6.8A
            Minimal risk
            0.91
            453
            3,240
            383
            7.5
            77.6
            0.0
            0.0
            9.6
            100.0
            0.2B
            Low risk
            0.93
            3,016
            10,864
            657
            7.0
            92.3
            0.0
            0.0
            43.5
            94.2
            2.8C
            Moderate risk
            1.16
            5,745
            14,674
            626
            51.0
            88.6
            0.1
            0.0
            62.8
            76.9
            8.6D
            Other
            1.36
            2,738
            6,731
            231
            21.0
            61.5
            0.0
            0.0
            12.9
            65.8
            10.1
        5.
            31 to 365 days
            3.52
            6,222
            8,069
            517
            55.2
            77.9
            0.9
            0.0
            74.3
            96.5
            5.7A
            Minimal risk
            1.09
            187
            1,645
            469
            14.6
            3.3
            0.0
            0.0
            20.4
            81.9
            0.0B
            Low risk
            1.33
            905
            7,947
            1,138
            9.6
            94.3
            0.1
            0.0
            65.0
            99.7
            2.7C
            Moderate risk
            2.09
            1,265
            5,092
            895
            27.4
            71.7
            1.5
            0.0
            57.4
            95.9
            10.4D
            Other
            2.97
            1,311
            5,183
            506
            40.1
            45.6
            0.1
            0.0
            54.7
            89.9
            15.4Months6.
            More than 365 days
            3.01
            1,929
            4,409
            53
            60.7
            89.6
            39.2
            0.0
            99.2
            99.2
            17.3A
            Minimal risk
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...
            ...B
            Low risk
            3.78
            296
            4,228
            49
            30.2
            80.7
            80.7
            0.0
            95.0
            95.0
            8.5C
            Moderate risk
            4.01
            388
            5,546
            50
            41.8
            97.2
            97.2
            0.0
            99.9
            100.0
            6.2D
            Other
            4.46
            271
            1,741
            45
            77.4
            52.2
            52.2
            0.0
            100.0
            100.0
            10.1Size of loan
                    ($ thousands)
                
                Weighted-
                    average risk
                    rating 3
                Weighted-
                    average
                    maturity/
                    repricing
                    interval 2
                    (days)7.
            10 - 99
            3.23
            18
            2.5
            176
            59.9
            9.4
            26.1
            0.0
            52.6
            99.0
            14.58.
            100 - 999
            3.01
            442
            3.1
            194
            49.2
            34.9
            29.8
            0.0
            64.6
            93.0
            16.29.
            1,000 - 9,999
            1.99
            5,246
            3.1
            215
            30.9
            58.6
            10.7
            0.0
            50.5
            76.4
            11.610.
            10,000+
            1.51
            26,948
            2.8
            90
            36.4
            79.1
            2.5
            0.0
            39.4
            67.0
            7.5Base rate of loan 9
                
                Average
                    loan size
                    ($ thousands)11.
            Prime 10
            4.23
            1,377
            3.1
            824
            42.1
            56.8
            2,010
            0.0
            76.8
            98.6
            12.412.
            Other
            1.49
            31,277
            2.9
            80
            35.4
            76.0
            10,767
            0.0
            39.9
            67.6
            8.1  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
            2.08
            31,594
            618
            2.9
            83
            44.9
            51.0
            12.1
            0.7
            21.5A
            Not under commitment
            1.61
            15,760
            548
            3.0
            71
            43.7
            40.6
            12.3
            0.1
            6.1B
            Informal commitment
            1.32
            5,444
            381
            2.5
            91
            19.2
            79.6
            12.0
            2.8
            4.4C
            Formal commitment
            3.19
            10,389
            1,283
            2.9
            97
            60.3
            51.9
            11.8
            0.4
            53.72.
            Before survey week 11A
            Up to 90 days
            2.22
            15,131
            497
            2.9
            124
            46.4
            42.2
            23.4
            0.4
            47.1B
            91 to 365 days
            2.34
            19,867
            477
            3.0
            98
            69.7
            34.7
            23.7
            0.4
            60.3C
            More than 365 days
            2.30
            30,586
            1,405
            3.1
            76
            62.9
            16.9
            15.5
            0.2
            64.5
        Domestic banks3.
            During survey week
            3.17
            12,196
            245
            3.1
            186
            70.2
            17.0
            30.8
            1.8
            24.1A
            Not under commitment
            3.40
            5,595
            199
            3.1
            190
            74.6
            12.8
            34.3
            0.4
            16.3B
            Informal commitment
            3.87
            1,166
            83
            3.3
            435
            77.4
            5.7
            55.9
            13.3
            20.6C
            Formal commitment
            2.77
            5,435
            725
            3.0
            133
            64.1
            23.8
            21.8
            0.8
            32.94.
            Before survey week 11A
            Up to 90 days
            2.47
            10,820
            362
            3.0
            115
            62.0
            22.5
            29.4
            0.5
            44.7B
            91 to 365 days
            2.50
            14,753
            358
            3.0
            60
            68.7
            17.7
            28.3
            0.6
            51.5C
            More than 365 days
            2.29
            26,754
            1,298
            3.1
            29
            64.4
            10.8
            16.1
            0.2
            62.5
        Large domestic banks5.
            During survey week
            2.88
            10,106
            285
            3.0
            111
            66.4
            17.9
            26.7
            1.7
            20.4A
            Not under commitment
            3.19
            4,782
            209
            3.0
            118
            73.3
            11.4
            32.9
            0.4
            9.7B
            Informal commitment
            3.58
            684
            69
            3.4
            487
            67.8
            6.7
            46.8
            19.1
            18.3C
            Formal commitment
            2.46
            4,640
            1,728
            2.9
            56
            59.2
            26.2
            17.2
            0.4
            31.76.
            Before survey week 11A
            Up to 90 days
            2.33
            9,912
            430
            3.0
            119
            59.5
            23.9
            25.3
            0.4
            46.5B
            91 to 365 days
            2.39
            13,762
            432
            2.9
            62
            67.2
            18.8
            25.2
            0.4
            53.8C
            More than 365 days
            2.27
            26,421
            1,497
            3.0
            28
            64.1
            10.8
            15.4
            0.2
            62.9
        Small domestic banks7.
            During survey week
            4.53
            2,091
            146
            3.3
            546
            88.3
            12.9
            51.0
            2.6
            42.4A
            Not under commitment
            4.65
            813
            154
            3.3
            612
            82.4
            20.5
            42.5
            0.6
            55.4B
            Informal commitment
            4.29
            482
            114
            3.2
            371
            90.9
            4.4
            68.9
            5.1
            23.8C
            Formal commitment
            4.56
            796
            165
            3.3
            585
            92.7
            10.2
            48.9
            3.2
            40.38.
            Before survey week 11A
            Up to 90 days
            4.07
            909
            133
            3.4
            64
            89.2
            7.7
            73.6
            2.1
            25.0B
            91 to 365 days
            4.06
            991
            106
            3.5
            28
            89.6
            3.2
            72.6
            3.3
            19.4C
            More than 365 days
            3.65
            333
            113
            3.7
            87
            89.6
            6.3
            73.1
            0.3
            27.4
        Foreign banks9.
            During survey week
            1.39
            19,397
            14,232
            2.8
            19
            29.0
            72.4
            0.3
            0.0
            19.8A
            Not under commitment
            0.62
            10,165
            17,649
            3.0
            7
            26.6
            55.8
            0.2
            0.0
            0.5B
            Informal commitment
            0.63
            4,279
            23,032
            2.3
            5
            3.3
            99.7
            0.0
            0.0
            0.0C
            Formal commitment
            3.65
            4,954
            8,240
            2.8
            57
            56.2
            82.8
            0.7
            0.0
            76.410.
            Before survey week 11A
            Up to 90 days
            1.59
            4,310
            7,493
            2.8
            146
            7.3
            91.5
            8.4
            0.0
            53.3B
            91 to 365 days
            1.88
            5,114
            10,493
            3.0
            209
            72.5
            83.7
            10.5
            0.0
            85.8C
            More than 365 days
            2.35
            3,832
            3,291
            3.5
            482
            52.2
            59.7
            11.1
            0.0
            79.0  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
            5.13
            422
            66
            3.4
            756
            93.5
            23.5
            82.9
            20.22.
            Domestic banks
            5.13
            422
            66
            3.4
            756
            93.5
            23.5
            82.9
            20.23.
            Large domestic banks
            5.14
            315
            60
            3.4
            973
            95.1
            30.6
            84.4
            4.44.
            Small domestic banks
            5.10
            107
            91
            3.3
            119
            88.5
            2.9
            78.6
            66.75.
            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
            2.46
            45,638
            1,720
            3.0
            133
            71.0
            36.3
            14.9
            0.22.
            Domestic banks
            2.37
            32,088
            1,303
            3.1
            80
            75.7
            14.5
            17.8
            0.33.
            Large domestic banks
            2.28
            30,692
            2,083
            3.0
            65
            74.9
            14.4
            16.8
            0.04.
            Small domestic banks
            4.34
            1,396
            141
            3.4
            405
            91.6
            17.6
            40.6
            5.15.
            Foreign banks
            2.67
            13,549
            7,059
            2.9
            266
            59.9
            88.0
            7.8
            0.0  Summary statistics
                All
                    commercial
                    banks
                Domestic
                    banks
                Large
                    domestic
                    banks
                Small
                    domestic
                    banks
                Foreign
                    banks1.
            Average reported prime rate
            3.32
            3.33
            3.31
            3.42
            3.242.
            Standard error of loan rate
            .27
            .17
            .18
            .09
            .64    Footnotes 1.
            As of June 30, 2015     , assets of the large banks were at
            least     $5.0  billion.  Median total assets for all insured
            banks were roughly     $176  million.  Assets at all U.S.
            branches and agencies averaged     11.3  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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