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Survey of Terms of Business Lending - E.2

Release Date: June 30, 2014

E.2 Survey of Terms of Business Lending
MAY 5-9, 2014

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	2.26	80,050	586	761	40.7	33.6	19.8	0.3	40.4	77.0	12.6
A	Minimal risk	1.37	2,594	1,028	513	33.3	42.8	8.9	0.0	23.2	96.2	5.5
B	Low risk	1.56	15,559	1,014	510	25.1	33.4	13.4	0.0	32.1	74.1	13.1
C	Moderate risk	2.45	35,134	549	1,009	31.0	21.7	18.5	0.4	52.9	86.1	12.7
D	Other	2.45	22,720	508	532	62.8	42.2	23.1	0.5	24.8	59.6	11.2

2.	Zero interval	3.05	21,816	358	815	61.2	25.3	51.0	0.6	38.0	95.7	12.4
A	Minimal risk	1.67	880	998	681	50.6	16.6	20.4	0.0	24.4	94.1	6.4
B	Low risk	2.33	2,973	587	884	55.4	12.9	46.8	0.1	47.6	86.5	13.5
C	Moderate risk	2.90	10,559	365	785	51.3	27.1	46.8	0.7	39.3	97.3	13.5
D	Other	3.72	6,666	291	837	78.3	25.8	61.0	0.7	35.7	97.9	11.7

3.	Daily	1.22	18,800	2,912	332	28.9	36.1	2.5	0.1	30.8	44.2	18.9
A	Minimal risk	2.44	113	374	894	86.5	0.2	14.2	0.2	11.7	99.9	1.2
B	Low risk	0.93	4,581	2,602	196	6.1	26.6	2.6	0.0	24.0	41.9	21.7
C	Moderate risk	1.31	6,808	2,995	714	10.4	10.9	2.2	0.0	63.4	75.8	20.1
D	Other	1.31	7,298	3,479	62	59.6	66.3	2.5	0.1	4.9	15.3	10.4

4.	2 to 30 days	1.79	19,323	436	498	40.5	46.0	14.5	0.2	28.5	75.3	10.3
A	Minimal risk	0.50	1,080	3,597	77	2.0	82.6	0.7	0.0	5.4	100.0	1.2
B	Low risk	1.40	4,638	940	478	22.0	52.1	6.3	0.0	30.8	87.9	9.5
C	Moderate risk	1.85	7,367	312	526	41.6	31.8	13.1	0.4	31.6	67.9	12.7
D	Other	2.07	5,255	398	483	55.4	44.8	11.9	0.4	23.9	65.8	11.2

5.	31 to 365 days	2.15	10,599	866	718	30.7	28.4	4.3	0.4	46.9	84.7	13.8
A	Minimal risk	1.71	342	567	737	47.8	20.9	2.3	0.0	53.1	98.0	13.4
B	Low risk	1.77	2,748	998	567	29.7	32.3	1.0	0.1	26.0	86.2	11.3
C	Moderate risk	2.23	4,967	1,110	942	20.5	27.5	1.6	0.3	59.5	92.4	15.7
D	Other	2.36	2,017	630	333	42.7	17.1	2.2	1.1	39.2	59.8	12.9
					Months
6.	More than 365 days	3.75	8,690	939	69	30.1	22.1	10.7	0.3	81.6	93.6	5.4
A	Minimal risk	3.78	177	415	57	75.0	0.8	10.5	0.0	74.7	77.8	18.8
B	Low risk	2.89	618	741	44	21.9	46.2	40.6	0.0	53.1	95.6	16.3
C	Moderate risk	4.03	5,407	1,362	78	12.5	6.0	6.2	0.4	89.6	96.2	1.1
D	Other	3.89	1,460	534	67	62.2	23.6	21.5	0.6	58.8	83.6	6.9
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.83	3,249	3.3	113	91.2	9.0	57.9	2.2	11.0	75.1	9.4
8.	100 - 999	3.39	11,590	3.2	105	81.4	18.7	52.1	1.3	21.2	83.9	13.1
9.	1,000 - 9,999	2.57	20,851	3.1	124	48.4	29.3	27.1	0.2	47.7	88.0	13.7
10.	10,000+	1.70	44,360	3.0	342	22.7	41.3	5.2	0.0	44.2	70.2	12.1
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.00	15,862	3.3	98	74.3	15.4	212	0.6	34.9	86.5	12.5
12.	Other	1.83	64,188	3.0	276	32.4	38.0	1,042	0.2	41.8	74.7	12.6

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	2.86	50,011	376	1,050	49.7	16.3	29.6	0.5	53.3	91.7	13.4
A	Minimal risk	1.81	1,215	552	787	53.6	13.0	18.9	0.0	29.1	91.9	8.9
B	Low risk	2.14	7,958	537	753	40.8	9.2	22.9	0.1	50.3	87.3	18.5
C	Moderate risk	2.81	27,136	431	1,203	37.5	12.3	22.7	0.5	62.5	93.6	13.3
D	Other	3.48	11,507	265	927	76.7	19.7	41.9	0.9	40.4	90.4	11.8

2.	Zero interval	3.05	20,907	346	816	63.0	25.3	51.1	0.6	37.3	95.6	12.5
A	Minimal risk	1.50	790	936	678	55.8	18.5	22.7	0.0	16.4	93.4	7.1
B	Low risk	2.32	2,901	579	883	56.0	13.2	46.5	0.1	47.4	86.2	13.6
C	Moderate risk	2.91	10,101	351	797	53.3	26.0	46.7	0.8	38.6	97.2	13.8
D	Other	3.68	6,442	284	830	79.4	26.7	60.3	0.7	36.3	98.1	11.4

3.	Daily	1.87	6,730	1,125	903	22.9	0.6	6.9	0.2	82.9	98.7	23.0
A	Minimal risk	2.52	72	275	1,160	99.6	0.3	22.2	0.3	4.7	99.9	2.0
B	Low risk	1.69	1,494	880	629	18.8	1.3	7.8	0.1	72.4	97.4	28.5
C	Moderate risk	1.69	4,553	2,103	1,041	14.9	0.2	3.2	0.1	92.8	99.5	22.5
D	Other	3.63	610	333	465	83.6	1.4	30.2	1.8	43.7	95.7	15.3

4.	2 to 30 days	2.62	9,762	225	784	67.4	15.4	28.4	0.5	39.2	78.4	14.7
A	Minimal risk	1.60	95	560	655	22.8	2.2	8.3	0.0	42.3	100.0	12.9
B	Low risk	2.13	2,034	432	591	47.5	5.3	14.5	0.0	38.4	81.5	19.3
C	Moderate risk	2.55	4,145	178	769	64.8	6.0	23.0	0.7	41.6	73.9	14.7
D	Other	2.97	2,553	199	919	82.3	10.2	24.4	0.7	34.6	77.0	13.9

5.	31 to 365 days	2.48	5,652	499	796	36.8	14.6	7.3	0.8	64.9	91.3	15.9
A	Minimal risk	1.95	159	313	659	32.5	5.4	5.0	0.0	80.7	95.6	21.2
B	Low risk	2.20	1,137	436	672	24.0	12.7	2.1	0.2	40.6	85.1	15.9
C	Moderate risk	2.38	3,014	728	969	26.0	6.8	2.2	0.6	76.3	95.5	17.7
D	Other	3.17	911	313	380	67.8	20.0	4.8	2.4	60.3	85.4	13.8
					Months
6.	More than 365 days	3.89	6,857	781	76	20.1	6.8	5.7	0.4	84.4	91.9	2.4
A	Minimal risk	3.79	96	236	60	65.7	1.4	19.3	0.0	53.4	59.2	1.5
B	Low risk	2.42	390	499	44	26.9	20.4	9.9	0.0	78.6	93.0	15.9
C	Moderate risk	4.03	5,298	1,349	79	12.1	4.7	4.8	0.4	90.9	96.1	1.0
D	Other	3.61	967	379	76	48.8	10.4	7.2	0.9	63.2	75.3	4.0
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.83	3,238	3.3	113	91.3	9.0	57.9	2.2	10.9	75.0	9.4
8.	100 - 999	3.40	11,140	3.2	99	83.3	18.0	53.0	1.3	20.3	83.8	13.0
9.	1,000 - 9,999	2.80	15,151	3.0	94	56.4	20.0	34.2	0.3	51.5	92.8	14.7
10.	10,000+	2.46	20,481	2.9	648	19.8	13.7	9.1	0.0	79.3	97.8	13.2
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	3.99	14,820	3.3	52	76.8	12.7	200	0.7	36.7	85.7	12.4
12.	Other	2.39	35,190	3.0	437	38.2	17.7	598	0.5	60.3	94.2	13.8

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	2.74	45,512	458	1,039	47.4	17.3	27.5	0.2	54.7	92.4	14.2
A	Minimal risk	1.61	1,091	927	824	49.5	14.5	14.6	0.0	28.3	92.5	8.2
B	Low risk	2.03	7,502	667	765	39.3	9.6	20.5	0.0	51.7	87.4	19.3
C	Moderate risk	2.71	25,361	533	1,230	34.7	12.6	20.3	0.2	65.0	94.4	13.8
D	Other	3.39	9,481	302	765	78.9	23.1	41.1	0.4	37.5	91.2	13.4

2.	Zero interval	2.94	19,029	430	846	62.0	27.4	48.4	0.2	38.4	95.9	13.1
A	Minimal risk	1.32	740	1,313	702	54.5	19.8	18.3	0.0	16.5	93.0	6.8
B	Low risk	2.24	2,713	640	920	56.6	14.1	44.1	0.1	48.2	85.6	14.1
C	Moderate risk	2.80	9,178	440	823	51.8	28.0	44.3	0.2	40.0	97.7	14.4
D	Other	3.60	5,774	362	862	78.5	29.6	56.6	0.3	37.6	98.7	11.9

3.	Daily	1.72	6,326	2,300	913	18.4	0.5	2.0	0.2	86.3	98.6	24.1
A	Minimal risk	2.30	66	334	1,284	99.6	0.3	14.9	0.3	0.0	99.8	2.0
B	Low risk	1.59	1,425	1,184	637	15.0	1.2	4.2	0.1	75.6	97.3	29.7
C	Moderate risk	1.60	4,413	4,351	1,046	12.4	0.2	0.8	0.1	95.5	99.5	23.1
D	Other	3.28	422	1,359	341	79.9	1.1	5.8	2.5	40.0	93.9	20.2

4.	2 to 30 days	2.58	9,222	229	740	67.2	16.0	28.1	0.2	39.1	77.7	15.4
A	Minimal risk	1.47	88	1,174	689	16.6	2.3	4.8	0.0	45.6	100.0	13.6
B	Low risk	2.09	1,987	458	599	46.6	5.4	13.3	0.0	39.2	81.1	19.6
C	Moderate risk	2.47	3,941	181	803	63.4	5.7	22.1	0.3	43.5	73.6	15.2
D	Other	3.00	2,274	191	647	86.0	11.2	24.4	0.3	29.9	74.5	15.8

5.	31 to 365 days	2.23	5,067	878	847	31.5	15.8	5.7	0.1	65.7	92.9	17.1
A	Minimal risk	1.85	119	400	810	9.4	7.2	3.4	0.0	85.7	95.4	19.0
B	Low risk	1.99	1,034	854	707	21.0	13.9	0.6	0.0	40.1	86.8	16.9
C	Moderate risk	2.20	2,796	1,331	1,024	21.7	7.0	0.3	0.0	77.3	97.2	18.7
D	Other	2.65	730	428	342	60.3	23.4	1.1	0.3	58.5	86.7	16.4
					Months
6.	More than 365 days	3.90	5,768	1,923	74	13.3	6.3	3.3	0.1	89.9	97.0	2.6
A	Minimal risk	3.54	77	1,881	63	57.8	1.7	7.8	0.0	57.6	68.2	1.6
B	Low risk	2.06	342	1,382	41	17.3	19.9	3.3	0.0	88.4	98.9	17.0
C	Moderate risk	3.99	5,008	4,328	79	7.7	4.0	2.8	0.1	94.4	98.7	1.1
D	Other	4.31	257	261	41	76.6	21.2	9.7	0.3	43.1	76.7	13.6
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.49	2,387	3.3	52	91.8	11.0	55.4	1.2	5.6	72.4	10.9
8.	100 - 999	3.21	9,273	3.2	52	83.9	19.9	51.0	0.3	18.6	84.3	14.3
9.	1,000 - 9,999	2.71	13,958	3.0	72	54.6	21.4	33.2	0.2	52.5	93.5	15.5
10.	10,000+	2.46	19,894	2.9	596	20.1	14.1	9.2	0.0	78.9	97.7	13.5
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	3.90	12,507	3.2	29	75.7	14.6	237	0.3	39.3	85.6	13.6
12.	Other	2.31	33,006	3.0	397	36.7	18.4	709	0.1	60.5	94.9	14.4

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	4.06	4,498	133	1,158	71.9	5.3	51.4	3.9	39.7	84.7	4.6
A	Minimal risk	3.60	124	121	459	89.7	0.0	56.5	0.0	35.9	86.8	16.2
B	Low risk	3.90	455	128	522	65.4	3.0	62.3	0.5	27.2	85.4	5.5
C	Moderate risk	4.26	1,775	115	795	77.5	8.3	57.3	5.9	26.7	82.4	4.9
D	Other	3.88	2,027	168	1,662	66.5	3.8	45.5	3.4	53.7	86.6	3.7

2.	Zero interval	4.13	1,878	116	451	73.1	3.7	78.3	4.9	26.6	93.2	6.8
A	Minimal risk	4.19	50	177	315	75.7	0.0	88.2	0.0	14.7	100.0	11.6
B	Low risk	3.44	188	242	198	46.7	0.0	81.0	0.0	35.5	94.6	6.7
C	Moderate risk	4.08	923	117	489	67.6	6.5	70.1	6.6	24.2	92.5	6.6
D	Other	4.38	668	99	478	86.5	1.4	91.7	4.6	24.5	92.7	7.1

3.	Daily	4.28	404	125	739	93.9	2.0	83.4	0.3	29.0	99.4	4.6
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.91	69	140	430	97.9	3.0	82.0	0.0	7.0	99.7	4.6
C	Moderate risk	4.26	140	121	863	94.7	1.3	81.4	0.8	7.9	98.8	3.9
D	Other	4.42	189	124	763	91.7	2.2	84.8	0.2	51.8	99.7	5.2

4.	2 to 30 days	3.37	540	177	1,380	70.7	5.6	33.8	4.7	40.6	90.6	3.4
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.81	47	129	214	85.7	0.6	62.6	0.0	4.1	100.0	8.3
C	Moderate risk	4.07	204	128	278	91.9	11.9	39.5	7.1	5.2	79.0	4.7
D	Other	2.78	279	290	2,367	51.6	2.1	24.6	4.0	73.3	97.3	1.8

5.	31 to 365 days	4.70	585	105	356	82.8	3.7	20.5	6.5	58.6	77.7	4.0
A	Minimal risk	2.23	41	193	176	99.5	0.0	9.8	0.0	66.0	96.2	27.5
B	Low risk	4.28	103	74	319	54.2	0.0	17.2	2.3	45.0	68.6	3.1
C	Moderate risk	4.59	219	107	265	80.7	4.9	26.9	7.4	64.1	74.4	0.8
D	Other	5.25	181	150	533	97.9	6.2	19.8	10.8	67.5	80.4	2.7
					Months
6.	More than 365 days	3.85	1,089	188	83	56.6	9.9	18.8	1.9	55.6	65.3	0.4
A	Minimal risk	4.80	19	53	49	97.3	0.0	65.2	0.0	36.8	23.3	0.1
B	Low risk	5.01	48	90	67	95.3	23.4	57.0	0.0	8.5	50.8	0.1
C	Moderate risk	4.70	290	105	74	88.0	17.1	40.6	4.5	30.6	50.4	0.4
D	Other	3.35	710	453	89	38.7	6.4	6.3	1.1	70.5	74.7	0.4
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.80	851	3.3	278	90.2	3.5	65.0	4.8	25.8	82.1	5.5
8.	100 - 999	4.36	1,867	3.2	334	80.7	8.8	62.7	6.4	28.9	81.1	6.1
9.	1,000 - 9,999	3.93	1,193	3.3	351	76.9	3.7	45.9	1.4	40.2	84.5	4.3
10.	10,000+	...	...	...	...	...	...	...	...	...	...	...
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.50	2,314	3.3	173	82.3	2.9	107	2.9	22.6	85.9	6.0
12.	Other	3.59	2,184	3.4	1,046	60.9	7.9	178	5.1	57.8	83.4	3.1

5. Commercial and industrial loans made by U.S. branches and agencies of foreign banks 1

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	1.25	30,040	8,945	322	25.7	62.4	3.5	0.0	19.0	52.7	10.4
A	Minimal risk	0.98	1,379	4,280	282	15.4	69.1	0.0	0.0	18.0	100.0	2.8
B	Low risk	0.96	7,602	14,173	297	8.5	58.6	3.4	0.0	12.9	60.3	5.0
C	Moderate risk	1.24	7,998	8,422	415	9.0	53.8	4.1	0.0	20.4	60.7	9.4
D	Other	1.40	11,212	8,680	178	48.5	65.4	3.8	0.0	8.9	28.1	9.1

2.	Zero interval	3.18	909	1,929	790	19.6	25.8	49.1	0.0	53.8	98.2	9.4
A	Minimal risk	3.16	90	2,352	705	5.3	0.0	0.1	0.0	94.7	100.0	0.1
B	Low risk	2.86	72	1,467	913	30.4	0.0	56.3	0.0	57.9	100.0	9.2
C	Moderate risk	2.66	457	2,552	552	9.1	51.3	48.4	0.0	54.7	100.0	7.5
D	Other	4.75	223	1,106	998	49.0	0.0	82.4	0.0	20.5	92.5	19.7

3.	Daily	0.86	12,070	25,479	38	32.2	56.0	0.0	0.0	1.7	13.8	2.7
A	Minimal risk	2.29	40	1,054	607	63.1	0.0	0.0	0.0	24.1	100.0	0.0
B	Low risk	0.55	3,086	48,753	15	0.0	38.8	0.0	0.0	0.6	14.9	0.3
C	Moderate risk	0.56	2,255	20,724	90	1.3	32.6	0.1	0.0	3.9	28.1	2.9
D	Other	1.09	6,688	25,412	28	57.4	72.2	0.0	0.0	1.3	8.0	4.9

4.	2 to 30 days	0.94	9,561	9,432	273	13.0	77.3	0.2	0.0	17.7	72.0	5.4
A	Minimal risk	0.39	984	7,562	21	0.0	90.4	0.0	0.0	1.9	100.0	0.1
B	Low risk	0.84	2,604	11,620	407	2.0	88.8	0.0	0.0	24.9	93.0	2.8
C	Moderate risk	0.95	3,223	11,270	291	11.7	64.9	0.5	0.0	18.7	60.3	9.6
D	Other	1.21	2,702	7,536	203	30.1	77.6	0.0	0.0	13.8	55.2	7.7

5.	31 to 365 days	1.76	4,946	5,467	630	23.7	44.3	0.8	0.0	26.2	77.2	10.8
A	Minimal risk	1.51	183	1,907	804	61.0	34.5	0.0	0.0	29.1	100.0	7.0
B	Low risk	1.46	1,611	10,994	493	33.7	46.1	0.2	0.0	15.7	87.0	8.0
C	Moderate risk	2.01	1,953	5,904	900	11.9	59.5	0.7	0.0	33.5	87.7	12.3
D	Other	1.69	1,106	3,887	294	22.1	14.6	0.1	0.0	21.9	38.7	11.3
					Months
6.	More than 365 days	3.23	1,833	3,869	46	67.2	79.0	29.1	0.0	71.0	100.0	15.7
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.70	228	4,283	42	13.4	90.3	92.8	0.0	9.7	100.0	17.1
C	Moderate risk	3.78	110	2,446	52	33.3	71.0	71.0	0.0	29.0	100.0	5.1
D	Other	4.44	493	2,688	48	88.5	49.4	49.4	0.0	50.0	100.0	11.3
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.28	10	2.8	136	50.8	21.8	41.5	0.0	34.3	95.6	13.3
8.	100 - 999	3.03	450	3.2	244	33.1	36.4	29.7	0.0	42.2	85.5	14.5
9.	1,000 - 9,999	1.95	5,700	3.2	204	27.2	53.9	8.4	0.0	37.4	75.3	10.5
10.	10,000+	1.05	23,878	3.0	71	25.2	64.9	1.8	0.0	14.1	46.6	10.2
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.16	1,042	3.2	749	38.7	53.9	1,713	0.0	8.8	97.9	14.1
12.	Other	1.15	28,998	3.1	76	25.2	62.7	10,545	0.0	19.4	51.0	10.1

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 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	1.96	34,344	769	3.1	430	32.6	40.0	11.9	0.3	27.1
A	Not under commitment	1.41	18,374	638	3.3	67	40.1	39.2	11.7	0.2	3.2
B	Informal commitment	1.11	4,610	746	2.3	54	15.5	82.2	7.4	0.1	6.5
C	Formal commitment	3.18	11,360	1,170	3.1	1,171	27.4	24.1	14.2	0.4	74.1
2.	Before survey week 11
A	Up to 90 days	2.31	8,539	453	2.9	101	37.5	50.8	22.3	0.5	39.4
B	91 to 365 days	2.59	15,344	317	3.1	94	55.2	29.1	32.3	0.6	38.2
C	More than 365 days	2.48	21,772	895	3.0	96	44.3	20.0	22.4	0.1	63.5

Domestic banks
3.	During survey week	3.50	13,721	318	3.1	1,041	48.0	11.0	27.8	0.7	55.9
A	Not under commitment	3.51	4,153	148	3.0	266	74.9	13.0	51.2	1.0	13.6
B	Informal commitment	3.27	841	142	3.3	246	80.9	9.6	40.3	0.5	20.1
C	Formal commitment	3.52	8,727	957	3.1	1,487	32.0	10.2	15.5	0.5	79.5
4.	Before survey week 11
A	Up to 90 days	2.99	5,034	273	3.0	133	58.8	21.7	36.8	0.9	46.5
B	91 to 365 days	2.62	13,802	288	3.1	45	56.6	25.1	34.3	0.7	37.8
C	More than 365 days	2.51	17,402	745	3.0	34	42.7	11.8	25.3	0.2	65.6

Large domestic banks
5.	During survey week	3.38	11,408	409	3.0	1,026	44.8	12.1	25.5	0.4	57.3
A	Not under commitment	3.12	3,463	161	3.0	120	73.2	13.4	51.9	0.6	10.4
B	Informal commitment	2.47	431	275	3.5	20	87.6	12.4	9.6	0.1	23.5
C	Formal commitment	3.55	7,513	1,560	3.0	1,502	29.2	11.5	14.3	0.3	80.9
6.	Before survey week 11
A	Up to 90 days	2.81	4,344	320	2.9	136	55.1	24.4	34.4	0.3	48.6
B	91 to 365 days	2.49	12,656	348	3.1	47	54.2	27.0	30.8	0.1	39.3
C	More than 365 days	2.49	17,071	798	3.0	35	42.2	11.9	24.6	0.1	66.0

Small domestic banks
7.	During survey week	4.11	2,313	152	3.5	1,115	63.8	5.7	39.1	2.1	49.1
A	Not under commitment	5.46	689	105	3.3	1,001	83.2	10.9	47.4	3.0	29.6
B	Informal commitment	4.12	410	94	3.1	483	73.8	6.5	72.6	0.9	16.5
C	Formal commitment	3.33	1,214	282	3.7	1,393	49.5	2.4	23.1	1.9	71.2
8.	Before survey week 11
A	Up to 90 days	4.18	690	142	3.3	115	82.6	5.1	52.1	4.8	33.5
B	91 to 365 days	4.04	1,146	99	3.2	17	82.5	5.0	72.5	7.0	22.2
C	More than 365 days	3.48	331	167	3.1	25	68.2	4.3	62.1	4.8	47.6

Foreign banks
9.	During survey week	0.93	20,622	13,529	3.1	24	22.4	59.2	1.4	0.0	7.9
A	Not under commitment	0.80	14,221	20,611	3.4	9	29.9	46.8	0.2	0.0	0.2
B	Informal commitment	0.62	3,769	15,359	2.1	12	1.0	98.4	0.1	0.0	3.5
C	Formal commitment	2.07	2,632	4,470	3.0	127	12.2	69.9	9.9	0.0	55.9
10.	Before survey week 11
A	Up to 90 days	1.32	3,505	8,599	2.9	55	6.8	92.6	1.5	0.0	29.2
B	91 to 365 days	2.34	1,542	3,324	3.0	531	43.0	64.3	14.4	0.0	41.6
C	More than 365 days	2.36	4,370	4,541	3.0	387	50.5	52.5	11.0	0.0	54.9

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	4.60	260	100	3.5	250	59.5	45.6	38.7	39.2
2.	Domestic banks	4.60	260	100	3.5	250	59.5	45.6	38.7	39.2
3.	Large domestic banks	4.85	83	78	3.4	291	73.2	19.3	41.9	10.4
4.	Small domestic banks	4.49	177	115	3.5	231	53.2	57.9	37.2	52.6
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	2.66	32,370	1,541	3.0	503	28.5	19.7	17.1	0.3
2.	Domestic banks	2.76	26,667	1,351	3.0	527	27.4	8.8	20.4	0.4
3.	Large domestic banks	2.70	24,883	2,396	3.0	495	25.5	9.1	19.8	0.0
4.	Small domestic banks	3.67	1,784	191	3.5	980	54.0	4.1	29.3	5.2
5.	Foreign banks	2.18	5,703	4,525	2.9	375	33.9	70.9	1.6	0.0

Summary statistics		All commercial banks	Domestic banks	Large domestic banks	Small domestic banks	Foreign banks
1.	Average reported prime rate	3.36	3.37	3.36	3.47	3.19
2.	Standard error of loan rate	.16	.08	.08	.25	.26

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, 2014 , assets of the large banks were at least $4.8 billion. Median total assets for all insured banks were roughly $165 million. Assets at all U.S. branches and agencies averaged 11.4 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.