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Survey of Terms of Business Lending - E.2

Release Date: September 24, 2013

E.2 Survey of Terms of Business Lending
AUGUST 5-9, 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	2.15	91,124	694	616	43.0	33.3	17.0	0.5	45.0	77.2	11.4
A	Minimal risk	1.16	4,002	1,458	199	19.5	76.5	5.0	0.0	14.9	28.2	7.9
B	Low risk	1.34	16,911	1,214	439	45.3	40.9	8.7	0.4	27.9	81.2	10.4
C	Moderate risk	2.44	36,496	573	887	39.7	23.7	20.0	0.5	57.3	89.9	14.0
D	Other	2.41	26,433	621	455	54.7	37.8	20.4	0.5	33.1	58.6	11.6

2.	Zero interval	3.32	20,370	328	843	66.3	26.2	56.2	0.9	42.0	94.1	13.1
A	Minimal risk	2.52	422	600	673	90.5	11.7	39.0	0.0	28.2	80.5	17.8
B	Low risk	2.67	1,905	407	899	65.7	9.4	49.2	0.3	44.3	91.4	18.0
C	Moderate risk	3.11	10,602	366	874	57.6	29.5	51.8	1.0	44.4	95.9	13.1
D	Other	3.78	6,890	291	800	76.1	24.3	63.7	0.9	40.0	92.8	11.9

3.	Daily	1.02	24,057	3,751	221	35.8	52.8	1.9	0.4	18.4	44.2	12.2
A	Minimal risk	0.76	2,869	7,590	23	3.8	94.7	0.6	0.0	2.8	4.4	1.5
B	Low risk	0.73	6,395	3,605	50	49.8	50.4	1.1	0.0	4.2	66.1	9.7
C	Moderate risk	1.72	5,559	2,157	780	18.6	22.0	3.9	0.9	65.1	88.3	16.0
D	Other	0.86	9,219	5,710	71	46.4	60.0	1.6	0.4	4.7	14.7	7.3

4.	2 to 30 days	1.96	21,756	492	603	43.3	36.8	12.9	0.1	50.6	78.6	12.0
A	Minimal risk	1.04	309	3,205	446	25.9	57.1	0.6	0.0	28.1	93.3	0.7
B	Low risk	1.30	5,492	1,066	619	44.0	54.9	6.9	0.0	43.0	89.1	7.2
C	Moderate risk	2.06	10,141	426	697	37.4	27.5	13.5	0.1	61.4	77.5	15.0
D	Other	2.28	5,216	401	422	51.9	30.0	12.0	0.3	42.6	66.3	13.8

5.	31 to 365 days	2.31	22,739	2,201	767	26.2	14.9	1.8	0.3	69.8	95.2	9.4
A	Minimal risk	2.67	363	275	730	48.1	32.1	4.9	0.0	79.8	94.0	6.6
B	Low risk	1.74	2,892	1,870	633	23.0	16.1	1.2	1.8	39.5	92.5	12.5
C	Moderate risk	2.40	9,507	2,254	1,084	31.4	14.3	1.4	0.1	64.1	98.4	13.3
D	Other	3.31	4,441	2,287	653	38.8	24.3	1.5	0.2	69.6	84.9	11.1
					Months
6.	More than 365 days	4.00	2,166	288	50	75.3	41.1	14.8	2.8	54.2	81.8	9.3
A	Minimal risk	3.06	39	169	42	85.3	7.0	0.0	0.0	55.7	88.1	5.6
B	Low risk	3.46	219	337	51	69.2	19.5	19.1	3.8	51.6	80.8	11.4
C	Moderate risk	4.10	667	187	53	83.3	20.9	12.4	2.0	42.4	74.3	8.1
D	Other	4.48	661	292	47	74.1	23.2	25.9	2.2	38.8	77.4	6.7
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.91	3,119	3.2	95	91.3	9.5	62.5	2.4	33.0	72.5	9.3
8.	100 - 999	3.55	11,835	3.2	101	82.7	18.2	55.5	1.7	34.9	83.7	11.9
9.	1,000 - 9,999	2.64	21,894	3.1	85	48.7	27.7	24.6	0.4	56.1	90.8	14.9
10.	10,000+	1.55	54,276	3.0	23	29.2	40.2	2.9	0.1	43.5	70.6	9.6
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.10	15,463	3.3	32	76.2	8.8	202	1.5	47.6	80.2	12.3
12.	Other	1.75	75,661	3.0	54	36.2	38.3	1,382	0.3	44.5	76.6	11.2

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	2.71	58,306	454	863	45.5	14.7	25.5	0.6	59.1	92.5	12.8
A	Minimal risk	2.57	712	278	477	77.7	24.7	28.4	0.0	39.7	84.6	10.7
B	Low risk	2.08	7,976	590	776	42.9	6.0	18.0	0.3	45.5	90.1	17.5
C	Moderate risk	2.66	30,171	481	1,002	41.4	13.6	23.5	0.6	60.3	92.9	14.5
D	Other	3.55	12,421	302	834	67.0	18.5	41.0	1.1	53.0	90.0	12.5

2.	Zero interval	3.29	19,823	322	833	66.3	26.9	55.9	0.9	40.5	94.0	12.8
A	Minimal risk	2.23	322	493	419	90.5	15.3	51.0	0.0	8.0	74.5	15.0
B	Low risk	2.66	1,886	406	894	65.9	9.5	49.0	0.3	43.8	91.3	18.0
C	Moderate risk	3.09	10,434	362	869	58.1	29.9	51.0	1.0	43.5	95.9	12.9
D	Other	3.72	6,631	284	791	75.9	25.3	63.4	0.9	37.8	92.5	11.5

3.	Daily	2.05	5,952	1,026	843	23.4	3.6	7.6	1.4	69.3	98.0	19.8
A	Minimal risk	2.57	39	133	389	99.7	0.5	46.3	0.0	8.0	100.0	4.9
B	Low risk	1.54	1,159	688	324	23.8	9.7	6.2	0.0	23.2	96.5	31.1
C	Moderate risk	1.96	4,272	1,742	981	18.5	1.2	5.1	1.1	82.8	98.3	17.6
D	Other	4.00	467	359	659	58.3	10.4	31.0	8.1	63.7	99.0	14.7

4.	2 to 30 days	2.62	12,895	298	859	52.2	10.3	21.7	0.2	66.8	81.4	15.1
A	Minimal risk	1.72	42	580	312	63.8	49.1	4.1	0.0	58.0	95.1	4.9
B	Low risk	2.07	2,376	475	1,049	54.7	2.9	15.9	0.0	64.4	82.0	13.1
C	Moderate risk	2.47	7,144	304	895	43.2	6.2	19.1	0.1	73.5	80.7	16.4
D	Other	3.18	2,775	220	679	67.9	11.4	22.5	0.5	62.3	79.1	16.3

5.	31 to 365 days	2.22	17,780	1,870	832	20.6	6.5	2.0	0.2	71.3	98.5	9.4
A	Minimal risk	3.04	269	208	457	60.2	38.2	6.6	0.0	77.3	92.2	9.1
B	Low risk	1.76	2,344	1,635	589	19.3	4.0	1.4	0.3	38.3	95.1	14.6
C	Moderate risk	2.53	7,678	1,979	1,206	26.1	5.0	1.7	0.1	59.5	98.8	13.7
D	Other	3.13	1,998	1,246	985	31.9	10.9	3.3	0.5	89.6	99.5	12.1
					Months
6.	More than 365 days	4.17	1,823	247	51	84.9	30.1	8.1	3.3	55.3	78.3	7.9
A	Minimal risk	3.06	39	169	42	85.3	7.0	0.0	0.0	55.7	88.1	5.6
B	Low risk	3.46	202	321	51	72.2	12.6	12.2	4.1	56.0	79.2	11.0
C	Moderate risk	4.13	623	176	53	83.4	15.3	6.9	2.1	45.4	72.5	8.1
D	Other	4.55	544	245	49	89.8	6.8	10.1	2.7	47.1	72.5	8.2
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.91	3,109	3.3	95	91.5	9.4	62.6	2.4	33.0	72.4	9.3
8.	100 - 999	3.56	11,419	3.2	101	84.1	17.3	56.4	1.8	33.7	83.8	11.8
9.	1,000 - 9,999	2.80	17,217	3.1	87	53.2	19.3	29.2	0.5	57.9	94.4	15.8
10.	10,000+	2.15	26,561	3.0	31	18.4	11.2	5.5	0.1	73.9	97.4	11.5
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.09	14,874	3.3	19	77.7	7.7	196	1.6	46.8	79.4	12.1
12.	Other	2.24	43,432	3.0	80	34.4	17.1	831	0.3	63.3	97.0	13.0

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	2.60	54,503	558	872	42.4	15.2	23.1	0.5	61.0	93.3	13.3
A	Minimal risk	2.01	498	496	485	69.2	35.3	28.9	0.0	33.1	82.3	11.7
B	Low risk	2.00	7,667	695	782	41.1	6.2	16.5	0.1	46.8	90.4	18.0
C	Moderate risk	2.56	28,522	578	1,017	38.6	14.0	21.3	0.6	62.2	93.4	15.1
D	Other	3.46	10,965	368	837	64.3	19.8	37.3	1.0	55.9	91.9	13.2

2.	Zero interval	3.20	18,098	375	859	64.5	28.8	53.0	0.8	41.4	95.0	13.4
A	Minimal risk	1.96	283	510	402	89.3	17.5	45.1	0.0	9.2	71.9	15.3
B	Low risk	2.57	1,798	447	935	65.2	10.0	46.5	0.1	45.4	91.0	18.7
C	Moderate risk	3.01	9,705	408	888	56.0	31.7	48.4	1.0	44.7	96.5	13.6
D	Other	3.67	5,825	357	819	75.0	27.5	59.7	0.8	38.4	94.8	11.8

3.	Daily	1.90	5,612	2,202	870	19.3	3.5	2.5	1.5	72.2	97.9	20.7
A	Minimal risk	2.11	31	179	239	99.8	0.7	32.8	0.0	0.0	100.0	6.1
B	Low risk	1.50	1,139	952	323	22.5	9.7	4.6	0.0	23.2	96.4	31.5
C	Moderate risk	1.85	4,097	4,393	1,007	15.3	1.2	1.4	1.2	85.3	98.2	18.2
D	Other	3.76	331	1,568	737	46.2	11.4	6.1	11.4	83.7	98.7	17.5

4.	2 to 30 days	2.58	12,564	309	872	51.1	10.3	20.9	0.2	68.3	81.3	15.5
A	Minimal risk	1.65	41	1,080	309	62.3	51.1	0.0	0.0	56.3	94.9	5.2
B	Low risk	2.06	2,345	485	1,054	54.2	2.8	15.6	0.0	65.2	81.8	13.3
C	Moderate risk	2.43	6,956	320	910	41.9	6.0	18.2	0.1	75.1	80.5	16.8
D	Other	3.16	2,665	225	693	66.8	11.6	21.2	0.5	64.5	79.1	16.8

5.	31 to 365 days	2.13	17,113	4,425	848	17.9	6.7	0.9	0.1	72.0	99.0	9.6
A	Minimal risk	2.23	135	592	692	24.1	76.0	4.4	0.0	82.1	95.2	8.7
B	Low risk	1.66	2,230	2,942	599	15.6	4.2	0.1	0.0	39.2	95.7	15.1
C	Moderate risk	2.45	7,465	4,391	1,229	24.5	5.1	0.6	0.1	60.2	99.5	14.0
D	Other	3.08	1,872	2,340	999	27.8	11.3	0.6	0.3	91.1	99.9	12.6
					Months
6.	More than 365 days	3.74	1,095	558	47	76.7	42.5	2.9	2.5	72.8	88.7	11.1
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.08	154	693	47	66.3	15.7	4.9	5.3	69.7	91.7	11.8
C	Moderate risk	3.31	283	347	54	65.0	21.7	1.7	3.3	64.8	74.8	16.0
D	Other	4.22	266	496	40	83.4	4.1	5.7	2.7	71.2	92.4	12.8
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.62	2,350	3.3	26	92.8	10.8	61.6	2.6	35.0	69.0	10.5
8.	100 - 999	3.35	9,475	3.2	53	83.4	19.3	54.3	1.4	34.6	83.9	13.4
9.	1,000 - 9,999	2.74	16,118	3.1	66	50.4	20.1	28.1	0.5	59.1	95.6	16.4
10.	10,000+	2.15	26,561	3.0	31	18.4	11.2	5.5	0.1	73.9	97.4	11.5
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.03	12,574	3.3	6	76.1	8.0	226	1.4	50.7	78.8	13.4
12.	Other	2.17	41,930	3.0	56	32.3	17.4	998	0.3	64.1	97.6	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	4.40	3,803	124	743	89.5	6.9	60.5	2.1	31.8	81.3	4.6
A	Minimal risk	3.88	215	137	461	97.3	0.2	27.1	0.0	55.1	89.7	8.6
B	Low risk	4.13	309	124	632	87.4	2.2	56.4	3.8	13.4	83.6	5.3
C	Moderate risk	4.50	1,649	124	747	89.5	6.6	61.1	0.9	27.3	83.8	3.0
D	Other	4.25	1,456	128	813	87.6	8.6	69.2	2.2	31.0	75.3	6.3

2.	Zero interval	4.21	1,725	130	563	84.9	6.6	86.3	1.6	30.8	82.9	5.9
A	Minimal risk	4.16	40	397	552	98.4	0.0	92.8	0.0	0.0	92.8	13.6
B	Low risk	4.48	88	143	196	80.2	0.2	98.9	4.0	9.3	98.5	5.8
C	Moderate risk	4.24	729	145	624	85.6	5.5	85.5	0.8	27.4	87.4	3.9
D	Other	4.11	806	114	572	82.9	9.2	90.6	2.2	33.6	75.5	8.1

3.	Daily	4.53	340	104	368	92.0	4.5	92.7	0.1	21.4	99.9	4.9
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	4.25	20	41	380	99.8	11.3	99.4	0.0	19.6	100.0	9.4
C	Moderate risk	4.51	175	115	268	94.0	1.3	92.1	0.0	25.4	100.0	2.6
D	Other	4.59	135	124	468	87.8	7.9	92.0	0.2	14.7	99.7	7.7

4.	2 to 30 days	3.97	331	122	415	93.2	10.4	51.7	1.0	11.9	84.9	2.7
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.52	31	176	656	98.2	10.1	38.0	0.0	2.2	100.0	0.5
C	Moderate risk	4.21	188	109	382	91.4	12.9	52.2	0.9	14.4	86.6	2.5
D	Other	3.72	110	148	404	94.7	6.4	54.1	1.4	8.6	77.5	3.9

5.	31 to 365 days	4.64	667	118	397	90.9	2.3	29.8	2.3	53.3	85.9	4.3
A	Minimal risk	3.87	134	126	216	96.7	0.0	8.8	0.0	72.5	89.1	9.5
B	Low risk	3.83	114	168	343	92.4	0.0	26.6	7.2	20.2	82.5	3.3
C	Moderate risk	5.16	213	98	344	82.3	3.8	38.6	1.1	37.5	76.7	2.6
D	Other	3.95	127	158	777	92.5	5.9	42.9	3.6	66.2	93.3	4.7
					Months
6.	More than 365 days	4.81	728	134	56	97.2	11.3	15.9	4.5	29.0	62.7	0.9
A	Minimal risk	3.49	31	141	46	98.0	1.2	0.0	0.0	53.2	85.2	0.1
B	Low risk	4.66	48	118	66	91.3	2.3	35.7	0.2	11.7	38.7	4.8
C	Moderate risk	4.81	340	124	53	98.8	9.9	11.2	1.2	29.3	70.6	1.0
D	Other	4.87	278	165	58	95.8	9.3	14.2	2.7	24.0	53.5	0.5
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.81	759	3.2	310	87.5	5.2	65.7	1.5	26.7	82.8	6.2
8.	100 - 999	4.60	1,944	3.2	336	87.3	7.7	67.0	3.5	29.6	83.3	4.0
9.	1,000 - 9,999	3.77	1,100	3.3	393	94.6	6.6	45.3	0.0	39.4	76.7	4.6
10.	10,000+	...	...	...	...	...	...	...	...	...	...	...
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.43	2,300	3.4	89	86.3	6.2	113	2.3	25.3	82.9	5.6
12.	Other	4.36	1,503	3.0	742	94.4	7.9	146	1.7	41.9	78.9	3.0

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	1.15	32,818	10,974	215	38.6	66.3	1.8	0.1	20.1	50.1	7.0
A	Minimal risk	0.86	3,290	18,347	143	6.9	87.7	0.0	0.0	9.5	16.1	4.7
B	Low risk	0.69	8,935	22,054	180	47.5	72.1	0.4	0.5	12.2	73.2	2.6
C	Moderate risk	1.38	6,325	6,648	384	32.0	71.9	3.4	0.0	43.4	75.6	10.9
D	Other	1.39	14,012	10,084	156	43.7	55.0	2.2	0.0	15.6	30.8	9.1

2.	Zero interval	4.51	547	996	1,147	66.2	2.8	66.0	0.0	96.9	100.0	22.3
A	Minimal risk	3.44	100	2,013	1,450	90.5	0.0	0.1	0.0	93.3	100.0	24.6
B	Low risk	3.78	18	513	1,335	41.1	0.0	71.6	0.0	97.9	100.0	15.0
C	Moderate risk	4.18	168	970	1,147	32.2	9.2	97.9	0.0	100.0	100.0	20.5
D	Other	5.17	259	898	1,010	81.2	0.0	70.8	0.0	96.2	100.0	23.3

3.	Daily	0.68	18,105	29,682	34	39.9	68.9	0.0	0.0	1.6	26.5	2.9
A	Minimal risk	0.73	2,830	33,377	22	2.5	96.0	0.0	0.0	2.7	3.1	0.0
B	Low risk	0.55	5,236	59,648	1	55.5	59.4	0.0	0.0	0.0	59.4	1.9
C	Moderate risk	0.93	1,287	10,331	147	18.6	91.0	0.0	0.0	6.4	55.1	6.9
D	Other	0.70	8,753	27,975	41	45.7	62.7	0.0	0.0	1.6	10.2	3.5

4.	2 to 30 days	0.99	8,862	10,156	304	30.4	75.5	0.0	0.0	27.0	74.5	6.9
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	0.71	3,116	21,295	354	35.7	94.5	0.0	0.0	26.6	94.6	3.3
C	Moderate risk	1.08	2,997	10,295	313	23.7	78.2	0.0	0.0	32.4	70.0	11.2
D	Other	1.26	2,441	5,991	208	33.6	51.1	0.0	0.0	20.1	51.9	9.6

5.	31 to 365 days	2.65	4,959	6,020	531	46.3	44.9	1.0	0.9	64.4	83.3	9.4
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	1.65	548	4,868	815	39.0	68.1	0.5	8.2	44.9	81.7	1.7
C	Moderate risk	1.89	1,829	5,417	571	53.8	53.1	0.6	0.0	83.2	96.4	11.3
D	Other	3.46	2,442	7,218	381	44.5	35.3	0.0	0.0	53.2	72.9	9.9
					Months
6.	More than 365 days	3.11	343	2,583	47	24.4	99.8	50.6	0.0	48.0	100.0	15.2
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	...	...	...	...	...	...	...	...	...	...	...
C	Moderate risk	3.64	44	1,783	49	80.7	100.0	89.8	0.0	0.0	100.0	8.7
D	Other	4.14	118	2,749	36	1.8	99.4	99.4	0.0	0.6	100.0	1.9
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.73	10	3.1	113	29.7	20.2	49.0	0.0	47.5	83.5	10.8
8.	100 - 999	3.11	416	3.3	115	44.8	43.1	29.3	0.0	68.0	82.2	15.1
9.	1,000 - 9,999	2.02	4,677	3.3	78	32.0	59.0	7.4	0.0	49.8	77.8	11.3
10.	10,000+	0.97	27,715	2.9	16	39.6	67.9	0.4	0.2	14.3	44.9	5.6
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.41	590	3.6	361	39.8	34.6	1,110	0.0	68.7	98.5	16.5
12.	Other	1.09	32,229	3.0	20	38.6	66.9	13,104	0.1	19.2	49.2	6.7

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	1.59	37,632	901	3.0	61	39.9	49.7	12.0	0.4	25.4
A	Not under commitment	1.31	20,758	703	3.1	40	53.3	44.5	14.8	0.2	14.1
B	Informal commitment	1.24	5,610	1,043	2.4	37	19.2	86.4	7.3	0.5	6.0
C	Formal commitment	2.29	11,265	1,642	3.1	110	25.5	41.2	9.2	0.8	56.0
2.	Before survey week 11
A	Up to 90 days	2.62	12,750	495	3.2	55	31.1	28.2	19.1	0.6	62.8
B	91 to 365 days	2.42	16,020	419	3.0	34	60.8	29.9	24.8	0.6	39.6
C	More than 365 days	2.58	24,705	973	3.1	44	42.3	13.0	18.3	0.3	69.3

Domestic banks
3.	During survey week	3.12	13,223	327	3.1	150	51.3	17.4	33.2	0.8	62.7
A	Not under commitment	3.75	4,367	152	3.1	168	77.2	6.9	70.0	0.9	66.8
B	Informal commitment	3.69	989	193	3.0	177	81.9	28.5	40.9	2.9	34.1
C	Formal commitment	2.70	7,867	1,209	3.1	137	33.0	21.9	11.8	0.5	64.1
4.	Before survey week 11
A	Up to 90 days	2.57	10,044	397	3.2	57	36.7	15.0	23.7	0.8	62.7
B	91 to 365 days	2.70	13,243	349	3.1	36	56.0	20.7	29.5	0.7	41.3
C	More than 365 days	2.54	21,780	889	3.1	32	39.5	9.2	19.2	0.4	66.0

Large domestic banks
5.	During survey week	2.85	11,286	410	3.1	76	44.3	19.3	30.4	0.6	67.3
A	Not under commitment	3.56	3,656	156	3.0	77	74.7	7.0	72.9	0.8	71.4
B	Informal commitment	2.48	449	291	3.1	31	69.8	55.3	18.9	0.2	18.9
C	Formal commitment	2.51	7,180	2,749	3.1	78	27.3	23.3	9.5	0.6	68.3
6.	Before survey week 11
A	Up to 90 days	2.44	9,308	508	3.2	49	32.4	15.6	20.0	0.7	65.9
B	91 to 365 days	2.60	12,416	414	3.1	35	53.9	21.5	26.9	0.7	42.4
C	More than 365 days	2.53	21,494	983	3.1	32	39.0	9.3	18.4	0.3	66.3

Small domestic banks
7.	During survey week	4.67	1,938	151	3.2	587	91.7	6.4	49.8	2.2	36.1
A	Not under commitment	4.74	711	132	3.4	636	89.9	6.2	55.3	1.5	43.4
B	Informal commitment	4.69	540	151	2.8	300	91.9	6.1	59.3	5.1	46.8
C	Formal commitment	4.60	687	176	3.1	761	93.2	6.7	36.7	0.5	20.3
8.	Before survey week 11
A	Up to 90 days	4.19	736	105	3.3	163	90.5	7.4	71.6	1.7	21.7
B	91 to 365 days	4.12	827	104	3.4	56	88.7	9.1	68.7	0.8	24.4
C	More than 365 days	3.87	286	108	3.2	47	77.0	3.0	81.2	3.0	47.6

Foreign banks
9.	During survey week	0.77	24,409	17,875	3.0	12	33.7	67.3	0.5	0.2	5.2
A	Not under commitment	0.66	16,391	21,695	3.1	6	46.9	54.5	0.1	0.0	0.0
B	Informal commitment	0.72	4,620	17,696	2.3	8	5.7	98.8	0.1	0.0	0.0
C	Formal commitment	1.36	3,398	9,739	3.2	47	8.1	85.9	3.1	1.3	37.4
10.	Before survey week 11
A	Up to 90 days	2.82	2,707	6,135	3.1	45	10.3	77.4	1.9	0.0	63.1
B	91 to 365 days	1.08	2,777	9,950	2.5	21	83.3	73.6	2.5	0.0	31.7
C	More than 365 days	2.86	2,926	3,234	3.4	129	63.0	41.1	12.1	0.0	93.2

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	4.43	421	143	3.2	265	80.0	66.5	55.1	29.8
2.	Domestic banks	4.60	376	128	3.4	286	77.6	74.5	61.7	21.4
3.	Large domestic banks	4.51	297	127	3.3	153	79.4	82.5	60.3	11.0
4.	Small domestic banks	4.95	79	131	3.4	784	70.9	44.3	66.8	60.5
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	2.63	41,043	967	3.1	61	34.3	15.9	17.9	0.3
2.	Domestic banks	2.57	34,456	843	3.1	60	32.8	10.0	20.2	0.2
3.	Large domestic banks	2.50	33,246	1,020	3.1	49	30.7	10.2	19.2	0.1
4.	Small domestic banks	4.44	1,211	146	3.2	348	89.7	4.7	48.0	3.9
5.	Foreign banks	2.96	6,587	4,248	3.1	67	42.2	46.8	6.1	0.7

Summary statistics		All commercial banks	Domestic banks	Large domestic banks	Small domestic banks	Foreign banks
1.	Average reported prime rate	3.40	3.40	3.38	3.53	3.21
2.	Standard error of loan rate	.18	.19	.18	.09	.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 June 30, 2013 , assets of the large banks were at least $4.3 billion. Median total assets for all insured banks were roughly $159 million. Assets at all U.S. branches and agencies averaged 10.2 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.