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Survey of Terms of Business Lending - E.2

Release Date: July 9, 2013

E.2 Survey of Terms of Business Lending
MAY 6-10, 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	2.20	78,866	562	593	36.4	47.3	20.9	3.3	37.0	77.6	10.2
A	Minimal risk	0.89	6,375	2,443	270	19.7	73.6	3.5	1.1	22.8	59.6	4.4
B	Low risk	1.72	15,169	917	484	23.4	48.9	15.3	2.1	29.1	93.2	8.9
C	Moderate risk	2.62	27,670	405	815	48.2	30.9	29.3	6.6	48.9	90.3	12.3
D	Other	2.77	20,325	435	573	48.2	40.6	26.4	2.0	37.7	73.8	10.4

2.	Zero interval	3.24	22,579	326	786	62.5	28.5	54.3	9.1	40.8	96.3	12.3
A	Minimal risk	1.01	753	1,150	491	71.7	33.3	15.0	2.7	54.3	93.7	2.6
B	Low risk	2.89	2,673	447	883	55.2	11.4	55.0	5.9	45.2	90.1	13.6
C	Moderate risk	3.07	11,578	356	793	57.9	32.2	50.9	13.0	38.8	97.6	13.0
D	Other	3.82	7,206	268	775	70.3	29.9	62.6	5.2	40.9	97.2	12.0

3.	Daily	0.89	21,000	3,134	77	10.0	78.1	3.5	0.0	8.0	48.2	6.4
A	Minimal risk	0.59	4,276	12,305	6	1.4	87.3	0.9	0.0	11.1	43.6	0.1
B	Low risk	1.01	4,328	2,507	74	5.9	75.1	2.7	0.0	3.9	98.4	7.6
C	Moderate risk	2.00	2,191	776	533	24.1	29.0	20.4	0.1	37.3	85.0	11.6
D	Other	0.89	4,904	3,156	43	25.4	72.8	2.4	0.0	2.8	21.3	4.3

4.	2 to 30 days	2.02	20,212	446	634	35.5	46.9	12.2	1.1	43.1	76.4	9.1
A	Minimal risk	1.18	445	1,600	669	42.0	64.1	1.1	10.3	12.4	95.0	3.1
B	Low risk	1.62	4,459	792	579	26.4	53.8	10.1	3.2	43.5	88.7	7.4
C	Moderate risk	2.10	8,512	346	774	41.5	38.3	17.1	0.3	49.2	79.6	10.3
D	Other	2.76	4,996	345	639	45.0	36.9	11.0	0.3	45.6	80.9	9.2

5.	31 to 365 days	2.26	11,297	1,193	759	30.5	30.6	4.4	2.5	60.2	93.1	11.8
A	Minimal risk	1.70	705	732	857	51.1	60.0	7.7	0.2	55.1	88.6	17.4
B	Low risk	1.59	3,290	2,011	516	13.4	41.0	4.6	0.5	25.3	96.0	7.7
C	Moderate risk	2.34	4,208	1,170	849	39.3	19.6	1.5	5.5	77.1	96.1	14.9
D	Other	3.04	2,568	1,408	742	30.2	22.2	3.8	0.5	76.8	92.4	10.8
					Months
6.	More than 365 days	4.13	3,716	447	55	48.4	41.8	13.5	2.0	75.5	89.1	8.0
A	Minimal risk	3.44	197	538	71	55.5	0.0	5.9	0.0	64.0	93.3	14.7
B	Low risk	3.62	409	300	45	50.5	28.1	31.8	0.8	65.7	85.6	17.5
C	Moderate risk	4.11	1,145	286	54	76.1	8.9	19.6	5.4	69.3	83.8	8.2
D	Other	4.50	636	366	46	72.2	18.3	14.7	1.5	51.4	81.7	8.9
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.02	3,418	3.3	98	88.2	7.2	62.4	3.6	14.0	70.3	9.1
8.	100 - 999	3.59	11,707	3.2	113	79.7	15.3	56.8	7.1	27.9	81.6	12.0
9.	1,000 - 9,999	2.73	19,446	3.1	85	49.9	33.4	28.8	5.6	53.5	90.1	14.0
10.	10,000+	1.47	44,295	2.7	86	15.0	65.0	4.8	1.4	34.0	71.6	7.7
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.21	16,486	3.2	49	74.1	3.9	199	9.2	39.7	82.0	12.7
12.	Other	1.67	62,380	2.8	101	26.4	58.8	1,084	1.8	36.4	76.4	9.5

2. Commercial and industrial loans made by domestic banks 1

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	2.98	45,051	328	869	55.6	18.9	34.5	5.9	47.2	89.6	12.6
A	Minimal risk	1.53	1,545	631	616	61.1	7.8	14.4	4.4	65.4	60.4	3.2
B	Low risk	2.40	7,866	488	704	42.9	7.2	26.0	4.0	34.9	87.0	15.7
C	Moderate risk	2.86	22,998	340	913	54.3	21.7	34.0	7.9	50.1	91.2	12.9
D	Other	3.70	11,917	261	893	63.7	23.3	42.5	3.5	46.7	92.4	11.1

2.	Zero interval	3.22	21,624	314	780	63.5	28.9	53.2	9.5	39.1	96.2	12.0
A	Minimal risk	1.21	578	889	642	93.4	13.2	19.5	3.5	70.7	91.8	3.5
B	Low risk	2.82	2,490	419	833	59.2	12.2	51.7	6.3	41.3	89.4	13.0
C	Moderate risk	3.04	11,320	351	783	58.4	32.9	49.8	13.3	37.4	97.6	12.8
D	Other	3.75	6,866	257	771	69.5	31.3	61.2	5.5	38.0	97.1	11.3

3.	Daily	2.35	3,191	521	482	28.3	0.6	23.0	0.2	46.6	82.8	20.4
A	Minimal risk	1.02	518	1,818	8	9.4	0.1	7.8	0.1	91.3	9.5	4.8
B	Low risk	2.31	1,092	656	340	23.4	1.3	10.7	0.1	15.6	93.7	31.4
C	Moderate risk	2.63	1,430	521	811	32.6	0.1	31.2	0.2	56.2	99.7	14.2
D	Other	4.56	138	100	233	86.2	1.3	84.0	1.3	20.3	94.9	9.3

4.	2 to 30 days	2.79	11,021	248	980	56.7	12.3	22.3	2.0	51.8	77.5	12.2
A	Minimal risk	1.94	182	723	1,493	96.7	19.5	2.6	25.0	9.6	98.5	3.8
B	Low risk	2.27	2,074	379	811	53.9	7.2	21.6	6.8	40.9	75.7	13.7
C	Moderate risk	2.60	5,695	234	1,032	55.4	14.9	25.4	0.5	55.6	74.8	12.7
D	Other	3.57	3,025	214	966	58.7	10.5	18.2	0.4	55.2	82.6	11.0

5.	31 to 365 days	2.51	6,993	800	904	36.9	9.0	6.8	4.1	62.6	93.7	12.8
A	Minimal risk	2.89	193	209	255	85.0	4.3	28.0	0.9	56.5	58.3	1.9
B	Low risk	1.86	1,897	1,263	545	17.5	4.3	7.7	0.8	28.4	93.2	11.8
C	Moderate risk	2.40	3,374	997	958	40.3	9.7	1.8	6.8	75.2	96.5	14.7
D	Other	3.36	1,312	830	1,179	40.0	14.0	7.5	1.1	76.8	96.1	11.8
					Months
6.	More than 365 days	4.03	2,160	268	53	70.4	11.0	17.1	3.4	57.9	81.2	8.4
A	Minimal risk	3.03	74	217	103	21.6	0.0	15.7	0.0	4.3	82.2	0.3
B	Low risk	3.51	302	224	45	65.0	6.0	11.0	1.1	53.5	80.4	15.1
C	Moderate risk	4.11	1,142	286	54	76.4	8.8	19.5	5.4	69.3	83.7	8.2
D	Other	4.35	562	336	48	69.0	20.8	16.7	1.7	45.0	79.3	7.0
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.02	3,409	3.3	98	88.3	7.2	62.4	3.6	13.9	70.2	9.1
8.	100 - 999	3.60	11,336	3.2	110	81.3	14.1	57.5	7.3	26.1	81.5	11.9
9.	1,000 - 9,999	2.98	14,281	3.1	82	58.7	21.2	35.8	7.6	51.9	94.1	14.4
10.	10,000+	2.33	16,025	2.9	80	27.6	22.6	11.2	3.8	65.2	95.3	11.9
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.19	15,559	3.2	40	76.0	3.3	189	9.7	36.2	81.1	11.9
12.	Other	2.35	29,492	3.0	115	44.8	27.1	535	3.8	53.1	94.0	12.9

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	2.84	41,130	398	869	53.2	20.0	31.5	6.2	48.5	90.2	13.1
A	Minimal risk	1.21	1,386	1,230	622	57.5	8.7	8.9	4.1	67.8	61.7	3.4
B	Low risk	2.30	7,478	585	713	40.8	7.5	24.1	4.0	35.7	87.5	16.1
C	Moderate risk	2.74	21,281	403	918	52.0	23.2	32.1	8.4	51.4	91.4	13.5
D	Other	3.59	10,496	314	901	62.7	24.9	37.4	3.8	49.3	93.5	11.4

2.	Zero interval	3.11	19,652	372	798	62.6	31.1	49.7	10.4	40.4	96.6	12.4
A	Minimal risk	1.12	557	974	617	94.2	13.8	16.3	3.6	70.1	91.6	3.6
B	Low risk	2.75	2,382	474	865	58.0	12.8	49.8	6.5	42.9	89.1	13.2
C	Moderate risk	2.94	10,508	408	805	56.5	35.0	47.2	14.2	38.9	97.8	13.1
D	Other	3.65	5,873	315	775	70.8	35.1	55.8	6.3	39.2	98.5	11.7

3.	Daily	2.16	2,934	912	498	22.5	0.5	16.6	0.1	48.4	81.4	21.8
A	Minimal risk	0.96	508	2,301	2	7.7	0.1	6.0	0.1	92.2	7.7	5.9
B	Low risk	2.25	1,055	854	340	21.0	1.2	7.6	0.0	14.9	93.4	32.3
C	Moderate risk	2.48	1,315	927	853	27.6	0.0	25.9	0.2	59.4	99.7	15.2
D	Other	3.98	54	165	254	67.2	1.3	63.2	1.8	22.9	94.4	2.8

4.	2 to 30 days	2.76	10,747	258	992	55.9	12.5	21.5	1.8	52.1	77.1	12.4
A	Minimal risk	1.58	161	2,971	1,647	98.8	22.0	0.1	21.9	1.6	99.3	3.8
B	Low risk	2.24	2,031	387	802	53.2	7.0	20.7	6.3	41.8	75.2	14.0
C	Moderate risk	2.56	5,549	243	1,044	54.4	15.3	24.8	0.5	55.6	74.2	12.9
D	Other	3.55	2,962	222	986	57.9	10.7	17.2	0.3	55.7	82.3	11.1

5.	31 to 365 days	2.32	6,359	2,196	905	32.4	9.4	2.5	3.8	63.1	96.5	13.4
A	Minimal risk	1.54	101	378	206	72.0	8.2	1.5	1.6	76.6	85.6	2.1
B	Low risk	1.77	1,798	1,875	560	14.4	4.5	5.9	0.8	27.2	95.5	12.2
C	Moderate risk	2.29	3,182	2,686	989	39.1	10.3	0.6	6.8	76.1	97.0	15.3
D	Other	3.21	1,211	2,861	1,234	35.8	14.4	1.8	0.3	80.8	98.6	11.9
					Months
6.	More than 365 days	3.49	1,394	778	51	58.8	11.5	14.7	4.7	70.6	90.1	11.1
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	2.71	212	686	50	50.2	8.1	4.1	1.5	73.5	90.0	17.8
C	Moderate risk	3.50	696	815	51	68.0	11.0	17.3	7.6	80.4	91.6	11.7
D	Other	4.13	382	782	40	58.8	16.6	19.5	2.4	62.1	86.1	9.3
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.66	2,539	3.2	27	89.4	8.3	59.7	4.2	9.4	68.6	10.1
8.	100 - 999	3.40	9,375	3.2	47	80.0	15.6	55.1	7.9	26.1	81.7	13.2
9.	1,000 - 9,999	2.92	13,442	3.1	61	57.5	21.8	35.1	8.1	52.3	94.2	14.9
10.	10,000+	2.30	15,774	2.9	81	27.8	22.9	9.8	3.9	64.8	95.3	11.9
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.13	12,941	3.2	20	75.8	2.6	220	11.2	38.2	80.8	12.9
12.	Other	2.25	28,190	3.0	83	42.8	28.0	634	3.9	53.2	94.5	13.2

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	4.48	3,921	115	867	80.3	6.7	66.8	2.5	34.0	83.1	6.0
A	Minimal risk	4.30	159	120	559	93.0	0.0	62.7	6.4	44.8	49.1	1.3
B	Low risk	4.26	388	116	554	84.1	2.5	62.4	4.8	19.4	76.8	4.7
C	Moderate risk	4.46	1,717	116	855	83.5	4.1	58.7	1.6	34.7	88.7	5.3
D	Other	4.51	1,422	116	837	71.0	11.1	80.1	1.1	27.7	84.7	8.0

2.	Zero interval	4.34	1,972	123	610	72.5	7.0	88.1	0.7	26.1	91.9	7.9
A	Minimal risk	3.46	22	276	1,337	70.7	0.0	100.0	0.0	86.3	97.1	0.5
B	Low risk	4.34	108	118	232	84.1	0.0	94.6	3.8	6.0	96.8	6.8
C	Moderate risk	4.30	812	125	498	82.9	5.4	84.0	0.8	18.2	95.3	7.8
D	Other	4.36	992	123	742	61.8	9.4	93.0	0.2	31.3	88.7	8.4

3.	Daily	4.52	257	89	295	93.9	1.6	95.1	0.9	26.5	98.5	6.8
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.91	37	87	347	92.3	6.3	97.1	3.9	35.6	100.0	5.7
C	Moderate risk	4.41	115	87	319	90.0	0.6	91.8	0.0	20.4	100.0	3.9
D	Other	4.93	83	79	223	98.5	1.4	97.6	1.0	18.6	95.3	13.4

4.	2 to 30 days	4.12	274	101	603	91.7	3.1	53.0	9.9	42.4	95.2	5.3
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.86	43	201	1,193	87.7	15.4	64.2	30.1	0.2	100.0	2.8
C	Moderate risk	3.98	146	96	643	94.3	1.0	49.2	0.4	53.7	94.6	5.2
D	Other	4.43	64	82	270	92.6	0.8	63.9	5.1	35.6	94.2	7.7

5.	31 to 365 days	4.43	635	108	888	82.1	5.2	49.2	7.3	58.1	65.4	3.4
A	Minimal risk	4.38	92	140	312	99.4	0.0	57.2	0.0	34.3	28.2	1.1
B	Low risk	3.56	99	182	281	74.4	0.0	41.4	0.0	50.5	50.7	0.7
C	Moderate risk	4.18	193	87	465	60.6	0.4	21.2	6.5	60.1	88.9	3.5
D	Other	5.15	101	87	521	90.6	8.8	75.0	9.9	29.2	66.2	9.0
					Months
6.	More than 365 days	5.01	766	122	56	91.6	10.2	21.4	1.1	34.7	65.1	0.9
A	Minimal risk	4.44	16	47	46	99.5	0.0	73.1	0.0	13.8	15.5	2.0
B	Low risk	5.39	90	87	34	100.0	0.8	27.2	0.0	6.4	57.9	4.9
C	Moderate risk	5.05	445	142	59	89.5	5.3	22.8	1.9	51.9	71.4	0.4
D	Other	4.81	180	152	64	90.4	29.5	10.7	0.0	8.7	64.9	0.6
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	5.04	870	3.3	304	85.1	3.8	70.4	1.9	27.0	75.0	6.4
8.	100 - 999	4.56	1,961	3.1	416	87.7	6.9	69.3	4.1	26.1	80.4	5.4
9.	1,000 - 9,999	3.86	839	3.2	426	77.7	11.2	47.3	0.0	44.8	92.5	5.6
10.	10,000+	...	...	...	...	...	...	...	...	...	...	...
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.48	2,619	3.3	143	76.8	6.7	112	2.5	26.1	82.3	7.0
12.	Other	4.48	1,302	3.0	814	87.5	6.6	122	2.5	50.0	84.7	4.2

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	1.17	33,815	11,303	269	10.8	85.3	2.7	0.0	23.5	61.7	5.7
A	Minimal risk	0.68	4,830	30,142	163	6.4	94.7	0.0	0.0	9.1	59.4	4.8
B	Low risk	0.98	7,304	17,467	286	2.5	93.8	3.9	0.0	22.9	100.0	2.4
C	Moderate risk	1.40	4,672	5,799	389	17.9	76.1	5.9	0.0	42.8	85.7	8.8
D	Other	1.46	8,408	8,034	172	26.3	65.2	3.7	0.0	24.8	47.4	8.6

2.	Zero interval	3.84	955	1,960	904	40.9	19.7	78.5	0.0	80.9	100.0	19.2
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.96	183	4,536	1,408	1.3	0.0	100.0	0.0	98.5	100.0	21.1
C	Moderate risk	4.31	257	1,118	1,219	38.4	4.3	100.0	0.0	99.7	100.0	22.3
D	Other	5.21	341	1,604	860	85.0	0.7	90.9	0.0	98.6	100.0	25.6

3.	Daily	0.63	17,809	30,672	17	6.7	92.0	0.0	0.0	1.1	42.0	1.5
A	Minimal risk	0.53	3,758	60,022	5	0.3	99.4	0.0	0.0	0.0	48.3	0.0
B	Low risk	0.57	3,237	51,696	1	0.0	100.0	0.0	0.0	0.0	100.0	0.1
C	Moderate risk	0.81	761	9,721	111	8.1	83.3	0.1	0.0	1.8	57.3	2.9
D	Other	0.78	4,766	27,446	39	23.6	74.9	0.0	0.0	2.2	19.1	3.6

4.	2 to 30 days	1.09	9,191	9,679	318	10.1	88.4	0.2	0.0	32.6	75.2	5.4
A	Minimal risk	0.65	263	10,069	103	4.2	95.0	0.0	0.0	14.3	92.6	2.7
B	Low risk	1.05	2,385	14,411	426	2.6	94.3	0.0	0.0	45.8	100.0	3.3
C	Moderate risk	1.10	2,817	10,024	378	13.5	85.6	0.3	0.0	36.2	89.5	6.3
D	Other	1.52	1,971	5,566	267	23.9	77.5	0.0	0.0	30.8	78.5	6.4

5.	31 to 365 days	1.84	4,304	5,946	530	20.1	65.8	0.6	0.0	56.2	92.1	10.0
A	Minimal risk	1.25	513	12,064	1,078	38.3	80.9	0.1	0.0	54.6	100.0	20.7
B	Low risk	1.22	1,392	10,379	476	7.7	91.1	0.3	0.0	21.0	100.0	2.3
C	Moderate risk	2.07	834	3,980	428	35.2	59.8	0.6	0.0	84.8	94.6	15.8
D	Other	2.70	1,256	5,200	288	20.0	30.7	0.0	0.0	76.8	88.5	9.7
					Months
6.	More than 365 days	4.28	1,556	6,213	58	17.9	84.4	8.6	0.0	99.9	100.0	7.6
A	Minimal risk	3.69	123	4,987	51	76.0	0.0	0.0	0.0	100.0	100.0	21.6
B	Low risk	...	...	...	...	...	...	...	...	...	...	...
C	Moderate risk	...	...	...	...	...	...	...	...	...	...	...
D	Other	5.71	74	1,143	35	96.5	0.0	0.0	0.0	99.7	100.0	20.1
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.13	9	3.5	179	53.4	16.0	46.5	0.0	80.4	94.3	13.8
8.	100 - 999	3.23	371	3.3	177	29.9	49.9	35.7	0.0	81.1	85.4	15.9
9.	1,000 - 9,999	2.05	5,165	3.2	94	25.7	67.1	9.3	0.0	58.1	78.9	12.7
10.	10,000+	0.98	28,269	2.5	90	7.8	89.1	1.1	0.0	16.4	58.2	3.7
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.53	927	3.1	195	43.1	14.0	1,625	0.0	97.9	98.6	23.5
12.	Other	1.07	32,888	2.7	89	9.9	87.3	13,581	0.0	21.4	60.6	4.8

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	1.53	34,796	741	2.6	117	24.1	72.5	12.8	1.5	18.2
A	Not under commitment	1.43	17,648	511	2.9	47	26.6	68.2	16.8	0.2	5.0
B	Informal commitment	0.75	8,504	2,138	2.0	18	5.2	94.5	2.7	0.4	6.7
C	Formal commitment	2.49	8,644	1,019	2.9	355	37.5	59.8	14.7	5.1	56.5
2.	Before survey week 11
A	Up to 90 days	2.67	9,350	450	3.2	96	36.6	38.6	20.1	3.1	41.1
B	91 to 365 days	2.67	15,643	327	3.2	42	52.1	33.5	32.5	2.3	39.0
C	More than 365 days	2.82	18,929	787	3.0	77	45.4	17.2	26.4	7.8	68.2

Domestic banks
3.	During survey week	3.12	10,011	219	2.8	199	70.9	21.5	44.4	5.1	39.4
A	Not under commitment	3.47	4,703	139	2.7	165	75.2	6.5	62.7	0.8	18.1
B	Informal commitment	3.64	441	122	3.1	252	87.6	10.4	50.4	7.6	42.5
C	Formal commitment	2.75	4,867	596	2.8	227	65.3	37.0	26.1	9.0	59.6
4.	Before survey week 11
A	Up to 90 days	3.36	6,283	307	3.3	133	53.1	11.4	29.0	4.6	47.7
B	91 to 365 days	2.87	13,268	279	3.2	38	58.5	27.4	37.7	2.7	36.9
C	More than 365 days	2.82	15,397	669	3.1	43	43.9	12.9	27.6	9.6	61.1

Large domestic banks
5.	During survey week	2.86	8,626	276	2.8	124	68.3	24.0	41.8	5.5	39.9
A	Not under commitment	3.21	4,039	155	2.7	70	73.7	6.8	61.5	0.7	17.3
B	Informal commitment	2.99	237	236	3.3	25	88.2	13.3	38.9	9.5	41.2
C	Formal commitment	2.52	4,350	1,019	2.8	180	62.1	40.6	23.6	9.8	60.8
6.	Before survey week 11
A	Up to 90 days	3.20	5,415	366	3.3	75	47.6	11.6	25.2	4.7	50.1
B	91 to 365 days	2.73	11,999	329	3.2	40	57.8	29.7	32.8	2.8	37.6
C	More than 365 days	2.79	15,091	726	3.1	43	43.0	13.1	26.8	9.8	61.5

Small domestic banks
7.	During survey week	4.79	1,385	97	3.1	662	87.3	5.6	60.5	2.2	36.1
A	Not under commitment	5.02	664	85	3.0	741	83.8	4.6	69.9	1.1	23.0
B	Informal commitment	4.40	204	78	2.7	517	87.0	7.1	63.8	5.5	44.1
C	Formal commitment	4.66	517	133	3.3	618	91.9	6.4	47.1	2.4	49.9
8.	Before survey week 11
A	Up to 90 days	4.35	868	153	3.2	495	87.5	9.9	52.7	4.0	32.5
B	91 to 365 days	4.25	1,269	114	3.4	26	65.2	6.1	84.0	1.4	30.5
C	More than 365 days	4.13	307	136	3.4	37	90.2	5.9	66.2	1.6	39.6

Foreign banks
9.	During survey week	0.88	24,785	18,883	2.6	83	5.2	93.1	0.1	0.0	9.7
A	Not under commitment	0.69	12,945	20,313	3.1	5	9.0	90.6	0.1	0.0	0.3
B	Informal commitment	0.60	8,063	22,538	2.0	5	0.7	99.1	0.1	0.0	4.8
C	Formal commitment	2.15	3,777	11,894	2.9	520	1.8	89.2	0.0	0.0	52.4
10.	Before survey week 11
A	Up to 90 days	1.24	3,067	9,525	2.8	21	2.9	94.4	1.8	0.0	27.5
B	91 to 365 days	1.53	2,375	7,588	3.4	62	16.5	67.7	3.8	0.0	50.5
C	More than 365 days	2.84	3,532	3,441	3.0	228	51.7	35.6	21.6	0.0	98.9

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	3.53	2,636	435	3.0	52	65.5	18.8	57.3	54.4
2.	Domestic banks	3.53	2,636	435	3.0	52	65.5	18.8	57.3	54.4
3.	Large domestic banks	3.45	2,539	472	3.0	44	64.7	18.4	56.9	53.9
4.	Small domestic banks	5.66	97	142	2.7	245	87.8	28.7	67.0	68.9
5.	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 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	2.85	29,218	1,104	3.1	176	36.3	25.0	22.4	4.9
2.	Domestic banks	2.88	21,284	863	3.1	106	38.7	13.8	26.5	6.7
3.	Large domestic banks	2.78	19,949	1,309	3.1	87	36.6	14.4	24.8	6.9
4.	Small domestic banks	4.40	1,335	142	3.2	392	70.4	4.4	51.2	5.0
5.	Foreign banks	2.76	7,934	4,391	2.9	363	29.7	55.2	11.4	0.0

Summary statistics		All commercial banks	Domestic banks	Large domestic banks	Small domestic banks	Foreign banks
1.	Average reported prime rate	3.39	3.40	3.38	3.49	3.21
2.	Standard error of loan rate	.20	.10	.12	.08	.25

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 March 31, 2013 , assets of the large banks were at least $4.5 billion. Median total assets for all insured banks were roughly $160 million. Assets at all U.S. branches and agencies averaged $9.4 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.