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Survey of Terms of Business Lending - E.2

Release Date: March 29, 2013

E.2 Survey of Terms of Business Lending
FEBRUARY 4-8, 2013

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 status
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	Secured 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 8
					Days
1.	All C&I loans	2.28	80,441	591	533	38.0	40.7	19.3	0.9	37.1	76.7	12.1
A	Minimal risk	1.13	5,249	1,960	189	14.2	54.5	3.8	0.0	31.8	37.2	4.1
B	Low risk	1.69	14,707	907	428	22.2	44.5	11.6	0.0	26.3	94.4	9.2
C	Moderate risk	2.54	28,718	451	724	40.2	21.7	23.4	0.2	51.3	90.8	14.8
D	Other	2.75	23,934	552	566	55.1	42.8	23.8	0.1	31.6	69.0	11.7

2.	Zero interval	3.37	20,509	305	772	67.1	24.2	56.8	0.2	37.3	95.8	13.7
A	Minimal risk	2.17	464	645	492	81.0	38.4	35.4	0.1	16.1	91.8	9.5
B	Low risk	2.81	1,967	311	883	61.8	9.6	54.1	0.1	42.5	88.8	14.5
C	Moderate risk	3.14	9,643	321	774	61.7	25.5	52.0	0.3	37.5	98.0	13.8
D	Other	3.77	7,806	296	764	72.5	23.9	62.4	0.1	38.0	95.3	14.2

3.	Daily	0.95	19,953	3,296	66	22.1	73.3	3.1	1.0	14.0	33.0	9.4
A	Minimal risk	0.74	3,335	12,068	17	2.7	67.0	0.8	0.0	30.5	6.2	0.7
B	Low risk	1.01	2,793	2,181	44	7.9	70.7	4.8	0.0	8.5	100.0	9.6
C	Moderate risk	1.80	2,789	1,221	455	7.7	19.3	12.0	0.1	39.8	84.6	12.4
D	Other	0.79	6,871	4,900	38	56.1	83.4	1.7	0.0	2.7	13.8	4.8

4.	2 to 30 days	1.94	29,818	1,097	534	24.3	38.3	2.8	0.9	52.6	94.0	12.4
A	Minimal risk	0.99	729	4,600	553	1.8	59.7	0.1	0.0	41.5	100.0	0.5
B	Low risk	1.43	8,141	3,406	435	11.1	49.0	0.4	0.0	28.6	99.1	7.8
C	Moderate risk	1.98	12,693	1,004	670	24.3	22.7	1.2	0.0	69.4	95.6	16.5
D	Other	2.68	6,413	789	520	40.2	37.9	2.6	0.2	56.4	91.1	12.2

5.	31 to 365 days	3.31	5,882	654	870	25.1	18.6	4.3	2.2	37.8	94.2	8.7
A	Minimal risk	2.26	637	503	307	33.9	1.6	1.3	0.0	28.8	95.1	5.3
B	Low risk	1.95	1,096	698	352	27.0	34.0	2.7	0.0	26.0	93.8	9.8
C	Moderate risk	2.60	1,719	438	559	31.5	16.5	5.9	0.2	46.8	92.6	15.2
D	Other	4.94	1,906	1,297	1,591	15.6	9.0	3.5	0.2	26.9	95.7	4.0
					Months
6.	More than 365 days	4.20	2,265	324	51	74.6	26.4	13.3	3.7	66.5	83.4	8.9
A	Minimal risk	3.49	83	328	47	57.6	1.9	1.9	0.0	89.4	94.5	10.6
B	Low risk	3.38	279	255	45	75.9	7.2	14.6	0.1	65.5	83.4	13.2
C	Moderate risk	4.53	729	227	59	83.0	8.9	5.2	1.4	44.8	69.3	4.6
D	Other	4.83	505	371	47	74.7	10.5	16.1	0.6	62.4	84.0	9.5
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.07	3,256	3.2	98	90.0	9.3	63.4	1.3	12.5	72.5	9.9
8.	100 - 999	3.60	11,560	3.2	101	80.2	18.7	56.8	0.7	24.8	85.9	12.1
9.	1,000 - 9,999	2.69	21,046	3.1	92	45.2	31.7	25.7	0.8	53.9	91.2	14.7
10.	10,000+	1.61	44,578	2.9	30	19.9	52.9	3.4	1.0	34.2	67.8	10.5
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.19	15,545	3.3	33	75.4	7.7	192	0.7	35.8	82.5	12.5
12.	Other	1.82	64,895	3.0	64	29.1	48.6	1,179	0.9	37.4	75.3	11.9

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 status
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	Secured 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 8
					Days
1.	All C&I loans	2.96	49,703	374	792	47.7	14.7	29.9	0.2	48.4	90.2	14.2
A	Minimal risk	1.39	1,709	767	191	31.9	11.3	11.8	0.0	72.3	37.0	10.8
B	Low risk	2.20	8,295	525	566	37.7	4.9	19.9	0.0	40.5	90.6	15.5
C	Moderate risk	2.75	23,844	380	833	42.8	13.0	27.2	0.2	52.8	92.0	15.5
D	Other	3.78	13,969	330	914	59.6	17.8	38.9	0.2	43.4	92.7	12.6

2.	Zero interval	3.34	19,998	300	763	67.4	24.6	55.7	0.2	35.6	95.7	13.5
A	Minimal risk	2.17	463	647	492	81.0	38.4	35.4	0.1	16.1	91.8	9.5
B	Low risk	2.79	1,922	306	872	63.0	9.9	53.1	0.1	41.1	88.5	14.6
C	Moderate risk	3.11	9,422	316	765	61.6	25.8	51.0	0.3	36.1	97.9	13.6
D	Other	3.74	7,560	289	755	72.9	24.6	61.2	0.1	35.8	95.1	13.9

3.	Daily	1.86	4,208	763	339	14.8	0.4	14.8	0.1	57.8	71.5	18.9
A	Minimal risk	0.91	1,102	4,220	49	8.2	0.0	2.4	0.0	92.1	8.3	1.6
B	Low risk	1.90	823	675	250	26.7	0.7	16.0	0.0	28.7	99.9	32.2
C	Moderate risk	2.15	2,091	954	631	10.0	0.1	15.9	0.1	52.7	91.7	14.8
D	Other	3.98	175	142	662	53.0	4.2	66.2	0.8	45.3	93.1	8.6

4.	2 to 30 days	2.33	17,703	688	724	29.8	9.5	4.6	0.1	67.0	98.5	15.9
A	Minimal risk	2.08	14	158	607	52.1	28.2	4.7	0.0	65.4	100.0	14.3
B	Low risk	1.73	4,142	1,940	466	20.9	2.7	0.8	0.0	47.2	99.2	13.2
C	Moderate risk	2.19	9,113	749	919	22.6	6.2	1.5	0.1	77.8	99.0	18.2
D	Other	3.12	3,910	511	709	47.9	14.3	4.2	0.3	70.1	97.0	14.6

5.	31 to 365 days	3.74	4,006	482	1,087	22.8	5.9	5.7	0.2	34.5	93.6	9.1
A	Minimal risk	2.52	112	119	237	47.7	8.4	7.4	0.0	48.4	79.2	27.0
B	Low risk	2.13	708	472	272	29.8	11.5	3.8	0.0	28.9	91.1	13.0
C	Moderate risk	2.62	1,350	354	572	28.0	3.6	7.2	0.3	43.2	91.2	15.6
D	Other	5.27	1,531	1,135	1,867	12.0	1.4	4.4	0.3	19.9	97.6	2.5
					Months
6.	More than 365 days	4.32	1,781	264	52	78.5	25.0	9.0	1.5	59.2	78.9	7.2
A	Minimal risk	3.15	18	80	34	100.0	8.8	8.9	0.0	50.7	74.4	3.4
B	Low risk	3.36	270	248	46	75.1	7.4	15.1	0.1	64.4	82.9	12.9
C	Moderate risk	4.54	722	226	59	83.7	8.3	5.2	1.5	44.9	69.0	4.6
D	Other	4.60	364	281	52	65.4	11.0	18.8	0.8	50.0	77.7	5.5
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.07	3,242	3.2	97	90.2	9.3	63.5	1.3	12.4	72.4	9.9
8.	100 - 999	3.63	11,034	3.3	97	82.3	17.7	58.0	0.5	22.9	85.6	12.0
9.	1,000 - 9,999	2.91	16,008	3.1	87	50.8	20.1	31.3	0.1	57.4	95.3	15.7
10.	10,000+	2.44	19,419	3.0	46	18.3	9.4	7.1	0.0	61.8	91.5	14.8
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.19	14,848	3.3	22	76.4	7.6	184	0.4	32.8	81.8	12.1
12.	Other	2.43	34,855	3.0	92	35.4	17.7	667	0.1	55.0	93.7	15.0

3. Commercial and industrial loans made by large domestic banks 1

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment status
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	Secured 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 8
					Days
1.	All C&I loans	2.83	45,869	457	796	45.1	15.6	26.7	0.1	49.6	91.0	14.9
A	Minimal risk	1.26	1,625	1,566	181	29.0	11.9	11.2	0.0	74.4	34.9	11.9
B	Low risk	2.09	7,843	641	568	35.2	5.1	17.2	0.0	40.7	90.8	16.1
C	Moderate risk	2.60	22,312	455	846	40.0	13.6	25.3	0.1	54.2	92.7	16.1
D	Other	3.71	12,349	405	918	58.2	19.3	33.1	0.2	45.1	94.8	13.1

2.	Zero interval	3.23	17,958	352	778	67.2	26.9	51.7	0.2	35.9	96.8	14.2
A	Minimal risk	2.13	456	741	494	80.8	39.1	34.6	0.1	16.4	91.6	9.7
B	Low risk	2.69	1,765	333	917	63.3	10.7	49.7	0.1	41.9	88.0	15.5
C	Moderate risk	3.01	8,721	364	792	60.4	27.5	48.0	0.2	37.2	98.3	14.2
D	Other	3.64	6,457	358	747	74.4	27.8	55.2	0.1	35.5	97.8	14.7

3.	Daily	1.71	3,969	1,305	341	10.1	0.1	10.1	0.1	59.2	69.8	19.9
A	Minimal risk	0.88	1,095	6,818	48	7.6	0.0	1.7	0.0	92.4	7.6	1.7
B	Low risk	1.58	725	1,189	234	17.4	0.0	5.4	0.0	25.9	99.9	36.0
C	Moderate risk	2.08	2,026	1,472	641	7.4	0.0	13.7	0.1	53.5	91.4	15.1
D	Other	3.46	105	362	913	29.4	0.1	46.1	0.9	61.8	89.0	3.4

4.	2 to 30 days	2.31	17,408	756	724	28.7	9.6	3.4	0.1	67.6	99.0	16.0
A	Minimal risk	2.02	12	265	664	43.7	33.1	0.1	0.0	64.8	100.0	16.3
B	Low risk	1.71	4,111	2,192	467	20.3	2.6	0.5	0.0	47.4	99.3	13.2
C	Moderate risk	2.17	9,020	831	929	21.9	6.2	0.8	0.0	78.2	99.0	18.3
D	Other	3.11	3,758	540	687	45.9	14.7	1.3	0.3	72.0	98.9	14.7

5.	31 to 365 days	3.51	3,442	1,634	1,203	13.0	6.7	2.0	0.1	34.6	96.1	9.9
A	Minimal risk	1.29	58	291	178	17.6	16.0	7.4	0.0	68.2	85.9	47.3
B	Low risk	1.85	618	814	276	19.8	13.2	3.0	0.0	27.7	92.3	14.0
C	Moderate risk	1.90	1,076	1,548	580	15.0	4.2	0.7	0.1	44.8	95.5	18.4
D	Other	5.22	1,403	5,485	2,009	6.0	1.4	1.0	0.1	19.2	98.5	2.4
					Months
6.	More than 365 days	3.83	1,112	590	53	72.6	36.0	3.9	0.2	72.0	91.0	9.4
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	2.74	205	808	45	68.1	9.8	5.3	0.1	71.2	93.7	12.9
C	Moderate risk	3.53	327	423	75	71.3	13.3	3.6	0.5	40.1	84.3	7.9
D	Other	4.79	208	542	44	60.6	5.4	9.2	0.2	85.0	86.2	8.3
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.76	2,425	3.2	35	91.4	11.2	62.2	1.4	6.7	68.9	11.1
8.	100 - 999	3.43	9,122	3.3	58	82.9	20.2	56.3	0.3	21.4	85.3	13.3
9.	1,000 - 9,999	2.82	15,059	3.1	65	50.0	21.2	29.3	0.0	57.7	96.6	16.2
10.	10,000+	2.43	19,262	3.0	46	17.6	9.5	6.3	0.0	62.3	92.2	14.8
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.14	12,269	3.3	6	77.3	8.3	208	0.3	33.0	81.9	13.2
12.	Other	2.35	33,599	3.0	69	33.4	18.2	810	0.1	55.6	94.4	15.4

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 status
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	Secured 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 8
					Days
1.	All C&I loans	4.54	3,835	119	751	78.0	4.4	67.3	1.2	34.1	79.9	5.8
A	Minimal risk	3.82	84	70	393	86.8	0.0	22.4	0.0	34.8	76.7	1.5
B	Low risk	4.23	451	127	530	81.9	1.9	66.1	0.0	37.1	86.6	5.6
C	Moderate risk	4.84	1,532	112	691	82.9	3.5	55.8	1.5	33.4	80.5	4.5
D	Other	4.33	1,620	138	891	70.7	6.5	83.3	0.6	31.2	77.1	7.5

2.	Zero interval	4.33	2,040	129	625	69.6	4.7	90.7	0.5	33.4	86.1	6.9
A	Minimal risk	3.97	8	76	406	92.8	0.0	85.7	0.0	0.0	100.0	3.0
B	Low risk	3.96	157	160	477	59.8	0.0	90.9	0.0	32.4	94.8	4.6
C	Moderate risk	4.45	701	119	414	76.5	4.7	87.5	1.3	23.1	92.9	6.2
D	Other	4.30	1,103	136	809	64.5	5.8	96.1	0.1	37.6	79.7	8.0

3.	Daily	4.42	239	97	320	92.6	5.8	92.7	0.5	34.9	99.6	7.5
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	4.33	97	160	307	96.2	5.7	94.3	0.0	49.6	100.0	4.1
C	Moderate risk	4.19	65	79	454	90.8	1.7	85.2	1.2	25.7	99.4	4.7
D	Other	4.75	70	74	197	88.5	10.4	96.6	0.6	20.3	99.3	15.6

4.	2 to 30 days	3.77	295	109	712	95.6	2.4	73.5	0.9	33.9	69.8	7.3
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.82	30	117	322	99.4	10.3	46.0	0.0	22.6	87.3	7.5
C	Moderate risk	4.24	94	71	282	90.2	0.6	73.4	1.1	41.7	94.9	7.8
D	Other	3.39	152	215	1,098	97.8	2.2	77.8	1.1	24.6	48.3	7.6

5.	31 to 365 days	5.14	565	91	409	82.3	1.0	28.3	1.2	33.8	78.3	2.7
A	Minimal risk	3.86	53	72	258	80.4	0.0	7.4	0.0	26.8	71.8	0.6
B	Low risk	4.07	90	121	245	98.8	0.0	9.3	0.0	37.1	83.4	5.8
C	Moderate risk	5.44	275	88	543	78.9	1.3	32.8	1.2	36.8	74.1	1.7
D	Other	5.76	128	117	319	78.0	1.3	41.7	2.6	26.8	87.9	3.1
					Months
6.	More than 365 days	5.13	669	138	51	88.3	6.7	17.4	3.5	37.8	58.9	1.7
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	5.31	65	78	47	97.2	0.0	45.8	0.0	42.8	48.8	13.1
C	Moderate risk	5.37	395	163	45	94.0	4.1	6.6	2.2	48.9	56.3	0.6
D	Other	4.35	155	171	63	71.7	18.5	31.5	1.7	3.3	66.4	0.5
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	5.02	817	3.3	235	86.7	3.6	67.5	0.9	29.2	82.8	6.8
8.	100 - 999	4.59	1,913	3.3	264	79.5	5.7	66.5	1.3	30.0	87.2	6.1
9.	1,000 - 9,999	4.20	948	3.3	437	63.9	3.0	63.1	1.3	52.4	75.7	4.0
10.	10,000+	...	...	...	...	...	...	...	...	...	...	...
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.43	2,579	3.4	88	72.3	4.4	120	0.8	32.1	81.6	6.8
12.	Other	4.76	1,256	3.0	708	89.9	4.4	117	1.9	38.2	76.4	3.3

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 status
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	Secured 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 8
					Days
1.	All C&I loans	1.18	30,737	9,112	209	22.5	82.6	2.3	2.0	19.5	54.8	6.2
A	Minimal risk	1.00	3,540	7,887	188	5.6	75.3	0.0	0.0	13.8	37.3	0.7
B	Low risk	1.02	6,412	14,962	296	2.1	95.7	0.8	0.0	8.0	99.4	1.6
C	Moderate risk	1.54	4,875	5,449	343	27.2	64.1	4.8	0.0	44.3	85.0	11.3
D	Other	1.31	9,965	9,643	155	48.8	77.9	2.7	0.0	15.8	35.6	8.8

2.	Zero interval	4.37	512	1,146	1,097	56.7	8.1	98.0	0.0	97.1	100.0	20.4
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.59	45	1,374	1,245	7.4	0.0	100.0	0.0	100.0	100.0	11.1
C	Moderate risk	4.15	221	1,064	1,141	63.4	14.1	95.6	0.0	95.7	100.0	19.6
D	Other	4.71	245	1,204	1,031	59.6	4.3	99.8	0.0	97.8	100.0	22.7

3.	Daily	0.70	15,745	29,284	20	24.0	92.8	0.0	1.3	2.3	22.7	1.4
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	0.64	1,971	31,342	1	0.0	100.0	0.1	0.0	0.1	100.0	0.1
C	Moderate risk	0.77	698	7,491	195	0.9	76.8	0.2	0.0	1.1	63.5	2.1
D	Other	0.71	6,696	40,110	25	56.1	85.5	0.0	0.0	1.6	11.7	4.0

4.	2 to 30 days	1.38	12,115	8,387	350	16.2	80.4	0.2	2.0	31.6	87.4	6.6
A	Minimal risk	0.97	716	10,003	552	0.9	60.3	0.0	0.0	41.0	100.0	0.2
B	Low risk	1.12	3,999	15,677	409	0.9	96.8	0.0	0.0	9.4	99.1	2.2
C	Moderate risk	1.42	3,580	7,516	304	28.4	64.7	0.5	0.0	48.0	86.9	11.8
D	Other	1.98	2,503	5,321	323	28.1	74.7	0.1	0.0	35.0	81.9	7.9

5.	31 to 365 days	2.38	1,876	2,732	421	30.1	45.8	1.3	6.3	44.9	95.7	7.8
A	Minimal risk	2.20	526	1,595	317	31.0	0.1	0.0	0.0	24.6	100.0	0.0
B	Low risk	1.62	388	5,600	492	21.8	74.8	0.7	0.0	20.8	100.0	3.2
C	Moderate risk	2.54	368	3,398	514	44.4	63.7	1.0	0.0	59.9	98.0	13.9
D	Other	3.58	375	3,109	471	30.1	39.9	0.0	0.0	55.7	87.2	11.4
					Months
6.	More than 365 days	3.77	484	1,924	47	60.5	31.5	29.1	11.8	93.3	100.0	13.8
A	Minimal risk	3.58	65	2,150	50	46.1	0.0	0.0	0.0	100.0	100.0	12.1
B	Low risk	...	...	...	...	...	...	...	...	...	...	...
C	Moderate risk	...	...	...	...	...	...	...	...	...	...	...
D	Other	5.42	141	2,098	34	98.7	9.2	9.2	0.0	94.4	100.0	17.6
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.13	14	2.3	218	32.3	18.1	29.0	1.3	44.1	95.3	8.1
8.	100 - 999	3.00	526	3.0	184	34.7	39.7	30.0	4.3	62.7	91.3	14.0
9.	1,000 - 9,999	1.99	5,038	3.0	109	27.6	68.5	8.1	2.8	43.1	77.8	11.1
10.	10,000+	0.98	25,159	2.8	17	21.2	86.4	0.5	1.8	13.8	49.4	4.4
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.24	697	3.5	242	53.0	10.6	1,156	8.5	96.7	97.5	19.3
12.	Other	1.11	30,040	2.9	30	21.7	84.3	10,842	1.8	17.7	53.8	5.7

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 loans
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)	Secured by collateral	Subject to prepayment penalty	Prime based	SBA backed 6	Made under participation or syndication 7
All commercial banks
1.	During survey week	1.75	31,906	759	2.9	57	30.1	66.0	11.8	0.8	12.9
A	Not under commitment	1.37	18,657	620	3.0	43	37.1	69.9	14.6	0.1	7.6
B	Informal commitment	1.09	6,216	1,224	2.3	15	8.8	91.5	4.1	3.7	8.0
C	Formal commitment	3.31	7,033	1,021	3.2	127	30.5	33.0	11.5	0.1	32.2
2.	Before survey week 11
A	Up to 90 days	2.45	10,067	506	3.2	106	34.5	49.9	22.6	1.4	31.1
B	91 to 365 days	2.82	14,278	299	3.1	46	55.4	21.9	32.3	0.9	40.8
C	More than 365 days	2.61	23,902	913	3.1	46	39.0	14.7	20.4	0.8	70.8

Domestic banks
3.	During survey week	3.73	9,705	240	3.1	193	58.2	8.9	38.5	0.4	33.8
A	Not under commitment	3.33	4,881	165	2.6	230	66.3	6.1	55.3	0.4	29.1
B	Informal commitment	3.90	562	119	3.1	96	89.6	8.7	43.3	2.3	45.6
C	Formal commitment	4.17	4,262	680	3.6	181	44.8	12.1	18.7	0.2	38.0
4.	Before survey week 11
A	Up to 90 days	3.11	6,512	334	3.3	131	50.7	25.3	34.3	0.4	41.8
B	91 to 365 days	2.84	13,383	282	3.1	36	56.3	20.3	33.2	0.2	36.9
C	More than 365 days	2.62	20,073	798	3.1	33	35.9	10.4	22.1	0.1	65.3

Large domestic banks
5.	During survey week	3.48	8,063	291	3.0	101	52.1	10.1	34.9	0.1	34.1
A	Not under commitment	2.99	4,109	173	2.5	84	61.5	6.8	54.1	0.1	27.7
B	Informal commitment	3.37	344	199	3.1	60	95.1	11.0	25.7	0.2	54.3
C	Formal commitment	4.05	3,610	1,569	3.7	116	37.2	13.9	14.0	0.1	40.3
6.	Before survey week 11
A	Up to 90 days	3.00	5,846	400	3.3	118	49.5	27.5	30.9	0.3	40.6
B	91 to 365 days	2.70	12,284	343	3.1	36	53.9	21.5	29.0	0.2	38.6
C	More than 365 days	2.59	19,675	885	3.1	33	35.5	10.5	20.8	0.1	65.5

Small domestic banks
7.	During survey week	4.94	1,642	129	3.2	536	88.4	2.6	56.0	1.9	32.1
A	Not under commitment	5.10	772	133	3.4	640	91.4	2.5	61.6	2.2	36.9
B	Informal commitment	4.73	218	73	3.1	153	80.8	5.1	71.2	5.5	31.8
C	Formal commitment	4.83	652	164	2.9	541	87.4	2.0	44.3	0.3	26.5
8.	Before survey week 11
A	Up to 90 days	4.00	665	136	3.4	246	61.7	5.8	64.5	1.0	51.6
B	91 to 365 days	4.41	1,099	95	3.4	40	82.7	6.1	81.2	0.4	18.4
C	More than 365 days	4.07	397	135	3.5	35	52.8	4.8	85.2	0.6	57.3

Foreign banks
9.	During survey week	0.88	22,201	14,342	2.8	9	17.9	91.0	0.2	1.0	4.1
A	Not under commitment	0.68	13,776	24,253	3.2	3	26.8	92.6	0.1	0.0	0.0
B	Informal commitment	0.82	5,654	15,616	2.3	7	0.7	99.8	0.2	3.8	4.3
C	Formal commitment	2.00	2,772	4,486	2.5	44	8.6	65.2	0.4	0.0	24.2
10.	Before survey week 11
A	Up to 90 days	1.25	3,556	8,817	2.9	60	4.6	94.9	1.1	3.4	11.9
B	91 to 365 days	2.52	895	2,443	3.1	191	41.7	45.7	17.9	11.3	97.2
C	More than 365 days	2.55	3,829	3,799	3.2	117	55.8	37.0	12.0	4.6	98.5

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 loans
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)	Secured by collateral	Subject to prepayment penalty	Prime based	Made under participation or syndication 7
1.	All banks	2.28	718	409	3.3	204	34.5	79.5	15.7	86.5
2.	Domestic banks	5.38	104	63	3.3	489	80.5	13.0	52.2	6.7
3.	Large domestic banks	5.48	60	46	3.4	122	85.8	11.5	56.4	0.0
4.	Small domestic banks	5.25	44	127	3.3	983	73.4	15.0	46.4	15.9
5.	Foreign banks	1.76	615	5,558	...	157	26.7	90.7	9.6	100.0

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 loans
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)	Secured by collateral	Subject to prepayment penalty	Prime based	SBA backed 6
1.	All banks	2.72	29,340	1,258	3.1	86	33.2	15.8	18.5	2.1
2.	Domestic banks	2.77	23,361	1,076	3.1	78	29.2	10.0	20.3	0.0
3.	Large domestic banks	2.67	22,052	1,847	3.1	62	27.1	10.6	17.7	0.0
4.	Small domestic banks	4.50	1,309	134	3.2	344	65.0	0.8	63.4	0.5
5.	Foreign banks	2.53	5,979	3,702	3.0	121	48.5	38.5	11.3	10.3

Summary statistics		All commercial banks	Domestic banks	Large domestic banks	Small domestic banks	Foreign banks
1.	Average reported prime rate	3.39	3.40	3.37	3.51	3.18
2.	Standard error of loan rate	.24	.14	.15	.18	.43

The Survey of Terms of Business Lending collects data on gross loan extensions made during the first full business week in the middle month of each quarter. The authorized panel size for the survey is 348 domestically chartered commercial banks and 50 U.S. branches and agencies of foreign banks. The sample data are used to estimate the terms of loans extended during that week at all domestic commercial banks and all U.S. branches and agencies of foreign banks. The terms on loans extended during the survey week may differ from those extended during other weeks of the quarter. The estimates reported here are not intended to measure the average terms on all business loans in bank portfolios.

Footnotes

1. As of December 31, 2012 , assets of the large banks were at least $4.5 billion. Median total assets for all insured banks were roughly $158 million. Assets at all U.S. branches and agencies averaged $9.1 billion.

2. The "maturity/repricing" interval measures the period from the date the loan is made until it first may be repriced or matures. For floating-rate loans that are subject to repricing at any time--such as many prime-based loans--the maturity/repricing interval is zero. For floating-rate loans that have a scheduled repricing interval, the maturity/repricing interval measures the number of days between the date the loan is made and the date on which it is next scheduled to reprice. For loans having rates that remain fixed until the loan matures (fixed-rate loans), the maturity/repricing interval measures the number of days between the date the loan is made and the date on which it matures. Loans that reprice daily mature or reprice on the business day after they are made. Because of weekends and holidays, such loans may have maturity/repricing intervals in of more thanone day; nevertheless, such loans are not included in the 2 to 30 day category.

3. A complete description of these risk categories is available in the survey instructions, available at http://www.federalreserve.gov/apps/reportforms/reportdetail.aspx?sOoYJ+5BzDaSCesXTb1UmHCoyU8rIHWr. The category "Moderate risk" includes the average loan, under average economic conditions, at the typical lender. The "Other" category includes loans rated "Acceptable" as well as special mention or classified loans. The weighted-average risk ratings published for loans in rows 31-39 are calculated by assigning a value of 1 to minimal risk loans, 2 to low risk loans, 3 to moderate risk loans, 4 to acceptable risk loans, and 5 to special mention and classified loans. These values are weighted by loan amount and exclude loans with no risk rating. Some of the loans in table rows 1, 6, 11, 16, 21, 26, and 31-36 are not rated for risk.

4. Effective (compounded) annual interest rates are calculated from the stated rate and other terms of the loans and weighted by loan amount. For the standard error of the loan rate for all C&I loans in the current survey (tables 1-5, line 1, column 1), see the summary statistics table. The chances are about two out of three that the average rate shown will differ by less than this amount from the average rate that would be found by a complete survey of the universe of all banks.

5. Average maturities are weighted by loan amount and exclude loans with no stated maturities.

6. Loans guaranteed, either in part or in whole, by the Small Business Administration (SBA). http://www.sba.gov/category/navigation-structure/loans-grants/small-business-loans/sbas-role

7. The terms "syndication" and "participation" encompasses a variety of arrangements among institutions to make loans. When each participating lender agrees in advance to fund and be at risk only up to a specified percentage of the total credit and the contract is executed by all participants and the borrower, the arrangement is often referred to as a syndication. When a lead lender originates the transaction and is the only party to the contract with the borrower and sells shares as prearranged with others, the arrangement is referred to as a participation. All loans made under either arrangements, whether or not the lender is the originator, are included.

8. For loans made under formal commitments, the average time interval between the date on which the loan pricing was set and the date on which the loan was made, weighted by the loan amount. For loans under informal commitment, the time interval is zero.

9. Prime-based loans are based on the lending bank's own prime rate, any other lender's prime rate, a combintation of prime rates, or a publicly reported prime rate. Loans with "other" base rates include loan rates expressed in terms of any other base rate (e.g., the federal funds rate or LIBOR) and loans for which no base rate is used to determine the loan rate.

10. See the summary statistics tables for the average reported prime rate weighted by the dollar value of loans priced relative to a prime base rate.

11. For loans made under formal commitments.

... The number of loans was insufficient to provide a meaningful value.