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Survey of Terms of Business Lending - E.2

Release Date: October 2, 2015

E.2 Survey of Terms of Business Lending
AUGUST 3-7, 2015

1. Commercial and industrial loans made by all commercial banks 1

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	2.22	97,178	670	703	55.9	35.6	17.3	0.4	47.0	83.8	14.3
A	Minimal risk	1.65	1,795	512	606	42.7	28.8	10.8	0.0	31.6	81.8	4.9
B	Low risk	1.53	21,179	1,376	505	24.3	36.1	10.2	0.3	29.2	83.2	11.2
C	Moderate risk	2.13	34,353	623	716	57.0	43.6	19.2	0.3	44.6	80.0	11.3
D	Other	2.82	21,122	367	533	58.7	32.2	26.0	0.8	32.2	79.0	11.8

2.	Zero interval	2.99	24,568	423	894	58.5	22.5	46.3	0.7	42.9	93.5	12.5
A	Minimal risk	1.54	468	697	692	55.5	15.5	21.1	0.2	53.3	89.5	9.5
B	Low risk	2.50	2,350	514	1,006	52.9	13.9	46.6	2.0	50.6	89.3	9.6
C	Moderate risk	2.77	11,907	500	856	51.8	26.4	42.4	0.4	41.5	95.0	10.5
D	Other	3.54	7,614	301	808	69.6	26.2	51.7	0.9	37.4	97.4	12.6

3.	Daily	1.05	16,472	2,874	307	43.5	44.7	2.4	0.1	26.1	54.1	23.8
A	Minimal risk	2.07	148	443	961	97.5	11.0	8.3	0.0	43.2	100.0	1.9
B	Low risk	0.75	5,605	3,835	30	7.6	46.1	1.3	0.0	2.5	62.3	15.2
C	Moderate risk	0.71	4,659	2,857	86	59.3	79.7	2.3	0.1	7.0	18.1	3.7
D	Other	1.57	2,857	1,728	177	23.4	35.8	5.9	0.2	20.7	42.9	8.0

4.	2 to 30 days	1.84	33,957	692	624	56.5	34.2	7.1	0.1	45.5	84.4	13.8
A	Minimal risk	1.60	809	510	531	33.1	46.2	6.7	0.0	17.6	73.4	2.6
B	Low risk	1.61	9,187	1,495	538	28.5	32.7	6.1	0.0	28.6	89.0	9.9
C	Moderate risk	1.76	10,692	565	603	57.3	52.8	4.1	0.1	50.0	81.5	12.7
D	Other	2.24	7,065	352	259	58.4	34.6	8.9	0.1	24.3	70.5	11.9

5.	31 to 365 days	2.79	16,451	1,062	747	63.2	39.2	7.7	0.5	67.7	95.9	11.4
A	Minimal risk	1.63	320	463	449	24.1	9.3	8.2	0.0	30.9	80.7	4.3
B	Low risk	1.72	3,025	1,349	746	20.6	35.1	5.5	0.0	42.8	94.8	12.2
C	Moderate risk	2.30	5,380	924	953	63.8	29.1	8.0	0.7	66.8	96.0	13.1
D	Other	3.15	2,541	457	460	54.9	37.9	17.1	1.3	47.0	92.2	12.0
					Months
6.	More than 365 days	3.13	4,823	393	51	61.4	60.9	25.8	3.1	72.9	87.5	11.6
A	Minimal risk	2.43	49	235	33	35.2	51.1	3.9	0.0	23.5	97.7	4.8
B	Low risk	2.40	1,013	1,046	41	24.3	65.7	27.0	0.8	91.2	96.4	7.3
C	Moderate risk	3.44	1,616	426	50	61.3	55.4	33.9	1.1	68.4	84.4	6.3
D	Other	4.15	966	243	47	85.4	38.0	31.5	6.3	46.9	70.5	9.6
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.69	3,409	3.4	159	89.0	6.2	52.0	4.8	13.9	77.6	7.0
8.	100 - 999	3.32	13,018	3.3	103	81.4	12.6	47.1	1.3	21.9	81.2	10.5
9.	1,000 - 9,999	2.52	23,343	3.1	113	54.2	27.6	24.1	0.4	54.0	89.5	15.2
10.	10,000+	1.77	57,409	2.8	74	48.8	45.8	5.7	0.0	51.7	82.4	15.2
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.00	16,803	3.3	123	73.0	6.3	231	2.1	40.4	88.4	11.5
12.	Other	1.85	80,375	2.9	84	52.3	41.7	1,110	0.1	48.3	82.8	14.9

2. Commercial and industrial loans made by domestic banks 1

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	2.53	64,524	456	849	66.1	15.5	23.9	0.7	49.7	91.3	16.6
A	Minimal risk	2.03	1,052	335	719	57.6	15.0	18.4	0.1	39.7	72.1	9.3
B	Low risk	2.01	12,515	846	574	36.8	9.3	15.3	0.4	30.6	89.9	16.3
C	Moderate risk	2.63	22,331	413	852	60.6	21.8	26.7	0.5	46.1	92.6	12.2
D	Other	3.28	14,187	253	664	75.2	23.5	35.8	1.3	35.5	87.2	12.0

2.	Zero interval	2.96	23,893	416	885	58.8	23.1	45.2	0.7	42.8	93.4	12.4
A	Minimal risk	1.55	463	697	692	55.0	15.7	21.4	0.2	54.0	89.3	9.6
B	Low risk	2.49	2,324	510	997	53.5	13.6	46.4	2.0	50.1	89.2	9.6
C	Moderate risk	2.74	11,647	493	848	52.4	26.9	41.3	0.4	41.8	95.0	10.4
D	Other	3.48	7,262	291	790	70.0	27.3	50.3	1.0	36.3	97.2	12.3

3.	Daily	1.88	5,304	1,029	876	79.0	0.4	7.3	0.2	68.5	98.4	39.8
A	Minimal risk	2.08	53	235	344	100.0	26.4	22.9	0.0	0.0	100.0	5.3
B	Low risk	1.71	1,184	881	17	22.1	0.0	6.4	0.0	0.0	100.0	44.6
C	Moderate risk	2.70	294	196	160	78.3	0.8	37.1	0.9	30.6	99.3	6.7
D	Other	3.38	596	417	783	80.8	0.6	28.0	0.9	63.8	87.4	13.4

4.	2 to 30 days	2.22	21,970	459	682	70.2	7.6	11.0	0.1	46.0	87.0	17.4
A	Minimal risk	2.48	356	246	1,014	65.7	6.2	15.2	0.0	27.8	39.6	10.4
B	Low risk	1.95	6,171	1,051	470	39.0	3.5	9.1	0.0	21.4	86.5	13.7
C	Moderate risk	2.45	4,947	267	574	64.6	11.3	8.7	0.2	35.2	86.9	16.8
D	Other	2.80	4,327	220	285	82.1	17.5	14.5	0.2	31.5	73.5	13.0

5.	31 to 365 days	2.34	10,229	695	888	68.1	15.6	11.8	0.8	63.8	95.5	14.9
A	Minimal risk	2.39	133	230	420	37.5	17.7	19.8	0.0	45.7	79.0	10.6
B	Low risk	1.88	2,120	996	579	25.3	9.8	7.8	0.0	33.4	92.7	16.6
C	Moderate risk	2.37	4,115	738	971	75.0	16.0	10.0	0.9	69.6	96.0	14.0
D	Other	3.35	1,230	232	411	70.8	29.7	35.2	2.6	38.8	94.7	8.6
					Months
6.	More than 365 days	3.22	2,894	244	50	61.9	41.8	16.8	5.1	55.3	79.7	6.9
A	Minimal risk	2.33	46	223	32	30.9	54.5	4.2	0.0	18.4	97.6	4.7
B	Low risk	1.83	717	798	38	21.9	59.6	4.9	1.1	89.6	97.0	6.9
C	Moderate risk	3.26	1,228	330	50	67.5	42.2	14.0	1.4	58.4	79.5	6.3
D	Other	4.03	695	182	48	88.6	32.5	23.4	8.8	26.2	58.9	9.2
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.69	3,391	3.4	159	89.1	6.2	52.1	4.8	13.7	77.5	6.9
8.	100 - 999	3.33	12,577	3.3	100	82.5	11.8	47.7	1.4	20.4	80.8	10.3
9.	1,000 - 9,999	2.67	18,096	3.1	84	60.9	18.6	27.9	0.5	55.1	93.3	16.0
10.	10,000+	2.00	30,460	2.8	61	59.8	16.3	8.5	0.0	62.7	96.0	20.0
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	3.98	15,426	3.3	60	75.7	1.8	214	2.3	37.1	87.5	11.5
12.	Other	2.08	49,098	2.9	86	63.0	19.8	706	0.1	53.7	92.5	18.1

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

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	2.41	60,201	558	849	64.4	16.0	21.1	0.5	51.0	92.1	17.3
A	Minimal risk	1.87	971	411	754	54.6	15.9	15.3	0.1	40.0	72.3	10.0
B	Low risk	1.97	12,238	997	568	35.8	9.5	14.1	0.4	30.7	90.0	16.5
C	Moderate risk	2.48	20,342	505	848	57.9	22.5	23.3	0.3	47.5	94.0	12.8
D	Other	3.13	12,384	296	662	73.1	26.3	31.5	1.1	36.0	87.9	12.7

2.	Zero interval	2.83	21,777	529	909	56.3	24.8	42.0	0.5	44.6	93.9	13.0
A	Minimal risk	1.47	449	848	702	54.0	16.2	19.7	0.2	54.9	89.6	9.8
B	Low risk	2.44	2,210	592	1,019	52.4	14.2	44.9	1.8	51.7	88.7	9.7
C	Moderate risk	2.59	10,481	651	863	48.9	29.1	37.3	0.2	43.9	95.9	11.0
D	Other	3.36	6,483	364	819	68.0	30.2	46.1	0.6	38.2	98.3	12.8

3.	Daily	1.70	4,947	2,316	869	77.7	0.4	1.9	0.2	70.1	99.7	41.8
A	Minimal risk	1.74	47	305	141	100.0	29.9	12.5	0.0	0.0	100.0	6.1
B	Low risk	1.66	1,158	1,081	10	20.4	0.0	4.3	0.0	0.0	100.0	45.5
C	Moderate risk	2.20	205	333	118	70.6	0.2	10.6	1.3	36.3	99.4	8.0
D	Other	2.89	390	2,413	493	71.6	0.7	3.7	1.2	65.7	99.2	15.3

4.	2 to 30 days	2.19	21,429	492	692	69.6	7.6	9.8	0.1	46.5	86.8	17.7
A	Minimal risk	2.47	353	247	1,013	65.4	6.2	14.6	0.0	28.0	39.2	10.6
B	Low risk	1.94	6,141	1,130	470	38.8	3.5	8.8	0.0	21.4	86.4	13.7
C	Moderate risk	2.41	4,815	280	577	63.6	10.8	7.0	0.2	35.7	87.0	17.1
D	Other	2.73	3,953	229	288	81.1	19.0	10.9	0.2	31.2	71.1	13.8

5.	31 to 365 days	2.23	9,711	963	906	67.1	16.2	10.5	0.4	64.6	96.7	15.3
A	Minimal risk	1.62	88	424	515	8.6	26.3	0.8	0.0	44.6	92.6	13.4
B	Low risk	1.81	2,064	1,199	554	23.9	10.1	5.9	0.0	32.3	93.6	16.8
C	Moderate risk	2.27	3,921	1,105	994	74.5	16.5	9.3	0.1	70.1	96.7	14.5
D	Other	3.14	1,041	277	410	68.0	34.5	34.2	2.9	39.7	98.6	8.6
					Months
6.	More than 365 days	2.69	2,110	319	45	49.4	47.5	12.6	6.7	60.4	87.9	8.1
A	Minimal risk	1.72	32	852	34	3.9	68.4	4.7	0.0	10.5	99.7	6.5
B	Low risk	1.62	665	2,083	38	17.3	64.1	3.9	1.0	95.3	99.0	7.3
C	Moderate risk	2.61	821	480	47	52.5	42.8	9.6	2.0	62.6	95.0	7.8
D	Other	3.70	443	227	48	85.7	42.1	19.6	13.1	17.6	57.0	11.9
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.38	2,542	3.3	139	89.0	7.4	46.5	5.1	9.0	74.9	7.1
8.	100 - 999	3.13	10,303	3.3	62	81.0	13.1	43.8	1.1	18.1	79.8	11.4
9.	1,000 - 9,999	2.57	16,956	3.1	63	59.2	18.4	26.1	0.4	56.4	94.9	16.6
10.	10,000+	1.99	30,400	2.8	61	59.7	16.3	8.6	0.0	62.6	96.0	20.0
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	3.89	12,729	3.2	43	73.2	1.7	257	2.1	40.5	87.6	12.6
12.	Other	2.01	47,472	2.9	70	62.1	19.8	812	0.1	53.8	93.2	18.5

4. Commercial and industrial loans made by small domestic banks 1

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	4.26	4,324	129	854	88.9	9.1	62.4	2.5	32.3	81.2	5.2
A	Minimal risk	3.96	81	105	349	94.1	4.1	55.6	0.0	36.6	69.4	0.8
B	Low risk	3.93	277	110	881	79.4	1.7	66.8	2.9	26.8	85.3	5.9
C	Moderate risk	4.16	1,989	144	890	88.3	15.5	61.4	2.9	31.5	78.8	3.9
D	Other	4.33	1,803	126	682	89.9	4.2	64.9	2.2	32.5	82.7	7.0

2.	Zero interval	4.21	2,116	130	590	84.4	5.4	78.9	3.0	23.4	88.6	5.8
A	Minimal risk	4.17	13	100	256	88.4	0.0	76.9	0.0	23.9	82.2	1.7
B	Low risk	3.53	113	138	321	75.0	2.9	77.3	5.9	17.9	98.5	9.1
C	Moderate risk	4.06	1,166	155	691	83.6	7.4	77.5	2.1	23.0	87.1	4.6
D	Other	4.54	779	108	489	86.2	3.0	85.4	4.3	20.6	88.8	7.1

3.	Daily	4.37	357	118	1,006	97.5	0.8	82.1	0.6	47.4	79.5	5.1
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.85	26	96	453	97.8	0.0	100.0	0.0	0.0	100.0	2.6
C	Moderate risk	3.85	89	100	220	96.0	2.2	98.1	0.0	17.5	99.2	3.6
D	Other	4.29	206	162	1,374	98.3	0.4	73.8	0.4	60.2	64.8	8.0

4.	2 to 30 days	3.63	541	127	312	93.9	8.4	57.9	0.1	29.5	94.3	6.5
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.15	29	68	280	84.7	0.0	67.6	0.0	16.8	100.0	3.8
C	Moderate risk	3.87	132	98	459	98.5	29.4	70.2	0.0	15.3	80.9	7.1
D	Other	3.57	373	157	259	92.9	1.7	52.4	0.2	35.8	98.7	6.7

5.	31 to 365 days	4.44	518	112	540	86.5	3.9	37.4	6.6	47.2	74.2	4.7
A	Minimal risk	3.93	45	121	211	94.5	0.5	57.5	0.0	47.9	52.1	0.9
B	Low risk	4.59	56	138	1,496	75.2	1.3	74.8	0.0	72.3	57.6	6.1
C	Moderate risk	4.25	194	96	511	86.0	6.7	23.8	16.6	60.9	82.6	2.4
D	Other	4.48	189	122	416	86.0	3.3	40.8	0.9	33.6	72.9	8.7
					Months
6.	More than 365 days	4.63	784	150	62	95.4	26.8	28.3	0.7	41.8	57.7	1.8
A	Minimal risk	3.78	14	81	26	94.6	21.7	3.2	0.0	37.1	92.6	0.1
B	Low risk	4.60	52	89	37	81.5	1.1	17.8	2.5	16.2	70.8	0.2
C	Moderate risk	4.55	407	202	57	97.9	41.1	22.7	0.2	50.1	48.1	0.3
D	Other	4.62	252	135	48	93.8	15.5	30.2	1.4	41.3	62.3	4.8
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	4.61	849	3.4	217	89.5	2.6	69.0	4.1	27.8	85.4	6.4
8.	100 - 999	4.21	2,273	3.4	272	89.6	5.6	65.2	2.8	30.6	85.1	5.5
9.	1,000 - 9,999	4.13	1,141	3.4	398	86.5	21.2	55.3	0.8	35.3	69.3	3.7
10.	10,000+	...	...	...	...	...	...	...	...	...	...	...
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.41	2,698	3.4	137	87.8	2.0	120	3.1	21.0	87.2	6.1
12.	Other	4.01	1,626	3.4	545	90.8	20.8	147	1.4	51.0	71.2	3.4

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

Maturity/repricing interval 2 and risk 3 of loans		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average maturity 5	Percent of value of loans					Commitment 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	1.61	32,654	9,096	441	35.7	75.2	4.2	0.0	41.5	68.9	8.4
A	Minimal risk	1.11	743	2,011	487	21.6	48.4	0.0	0.0	20.0	95.4	0.1
B	Low risk	0.85	8,664	14,703	420	6.3	74.7	2.9	0.0	27.1	73.4	2.1
C	Moderate risk	1.20	12,022	11,771	496	50.2	83.9	5.3	0.0	41.8	56.7	8.5
D	Other	1.87	6,935	5,046	304	24.8	49.8	6.1	0.0	25.5	62.2	11.3

2.	Zero interval	4.38	675	1,215	1,242	46.2	3.8	83.1	0.0	48.9	97.8	17.2
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	...	...	...	...	...	...	...	...	...	...	...
C	Moderate risk	3.95	260	1,415	1,237	23.7	0.0	92.3	0.0	24.5	94.2	14.7
D	Other	4.69	353	1,051	1,239	62.4	4.2	79.5	0.0	59.6	100.0	19.6

3.	Daily	0.66	11,168	19,368	63	26.6	65.8	0.0	0.0	5.9	33.0	1.2
A	Minimal risk	2.07	94	890	989	96.2	2.3	0.0	0.0	67.8	100.0	0.0
B	Low risk	0.49	4,421	37,511	33	3.7	58.5	0.0	0.0	3.2	52.2	0.2
C	Moderate risk	0.57	4,365	34,145	83	58.0	85.1	0.0	0.0	5.5	12.7	2.1
D	Other	1.10	2,262	10,140	37	8.3	45.0	0.0	0.0	9.4	31.3	4.0

4.	2 to 30 days	1.14	11,987	9,669	533	31.4	82.9	0.0	0.0	44.6	79.7	6.8
A	Minimal risk	0.91	453	3,240	383	7.5	77.6	0.0	0.0	9.6	100.0	0.2
B	Low risk	0.93	3,016	10,864	657	7.0	92.3	0.0	0.0	43.5	94.2	2.8
C	Moderate risk	1.16	5,745	14,674	626	51.0	88.6	0.1	0.0	62.8	76.9	8.6
D	Other	1.36	2,738	6,731	231	21.0	61.5	0.0	0.0	12.9	65.8	10.1

5.	31 to 365 days	3.52	6,222	8,069	517	55.2	77.9	0.9	0.0	74.3	96.5	5.7
A	Minimal risk	1.09	187	1,645	469	14.6	3.3	0.0	0.0	20.4	81.9	0.0
B	Low risk	1.33	905	7,947	1,138	9.6	94.3	0.1	0.0	65.0	99.7	2.7
C	Moderate risk	2.09	1,265	5,092	895	27.4	71.7	1.5	0.0	57.4	95.9	10.4
D	Other	2.97	1,311	5,183	506	40.1	45.6	0.1	0.0	54.7	89.9	15.4
					Months
6.	More than 365 days	3.01	1,929	4,409	53	60.7	89.6	39.2	0.0	99.2	99.2	17.3
A	Minimal risk	...	...	...	...	...	...	...	...	...	...	...
B	Low risk	3.78	296	4,228	49	30.2	80.7	80.7	0.0	95.0	95.0	8.5
C	Moderate risk	4.01	388	5,546	50	41.8	97.2	97.2	0.0	99.9	100.0	6.2
D	Other	4.46	271	1,741	45	77.4	52.2	52.2	0.0	100.0	100.0	10.1
Size of loan ($ thousands)				Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)
7.	10 - 99	3.23	18	2.5	176	59.9	9.4	26.1	0.0	52.6	99.0	14.5
8.	100 - 999	3.01	442	3.1	194	49.2	34.9	29.8	0.0	64.6	93.0	16.2
9.	1,000 - 9,999	1.99	5,246	3.1	215	30.9	58.6	10.7	0.0	50.5	76.4	11.6
10.	10,000+	1.51	26,948	2.8	90	36.4	79.1	2.5	0.0	39.4	67.0	7.5
Base rate of loan 9								Average loan size ($ thousands)
11.	Prime 10	4.23	1,377	3.1	824	42.1	56.8	2,010	0.0	76.8	98.6	12.4
12.	Other	1.49	31,277	2.9	80	35.4	76.0	10,767	0.0	39.9	67.6	8.1

6. Commercial and industrial loans by date pricing terms were set and commitment status

Time pricing terms were set and loan commitment status		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)	Percent of value of 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	2.08	31,594	618	2.9	83	44.9	51.0	12.1	0.7	21.5
A	Not under commitment	1.61	15,760	548	3.0	71	43.7	40.6	12.3	0.1	6.1
B	Informal commitment	1.32	5,444	381	2.5	91	19.2	79.6	12.0	2.8	4.4
C	Formal commitment	3.19	10,389	1,283	2.9	97	60.3	51.9	11.8	0.4	53.7
2.	Before survey week 11
A	Up to 90 days	2.22	15,131	497	2.9	124	46.4	42.2	23.4	0.4	47.1
B	91 to 365 days	2.34	19,867	477	3.0	98	69.7	34.7	23.7	0.4	60.3
C	More than 365 days	2.30	30,586	1,405	3.1	76	62.9	16.9	15.5	0.2	64.5

Domestic banks
3.	During survey week	3.17	12,196	245	3.1	186	70.2	17.0	30.8	1.8	24.1
A	Not under commitment	3.40	5,595	199	3.1	190	74.6	12.8	34.3	0.4	16.3
B	Informal commitment	3.87	1,166	83	3.3	435	77.4	5.7	55.9	13.3	20.6
C	Formal commitment	2.77	5,435	725	3.0	133	64.1	23.8	21.8	0.8	32.9
4.	Before survey week 11
A	Up to 90 days	2.47	10,820	362	3.0	115	62.0	22.5	29.4	0.5	44.7
B	91 to 365 days	2.50	14,753	358	3.0	60	68.7	17.7	28.3	0.6	51.5
C	More than 365 days	2.29	26,754	1,298	3.1	29	64.4	10.8	16.1	0.2	62.5

Large domestic banks
5.	During survey week	2.88	10,106	285	3.0	111	66.4	17.9	26.7	1.7	20.4
A	Not under commitment	3.19	4,782	209	3.0	118	73.3	11.4	32.9	0.4	9.7
B	Informal commitment	3.58	684	69	3.4	487	67.8	6.7	46.8	19.1	18.3
C	Formal commitment	2.46	4,640	1,728	2.9	56	59.2	26.2	17.2	0.4	31.7
6.	Before survey week 11
A	Up to 90 days	2.33	9,912	430	3.0	119	59.5	23.9	25.3	0.4	46.5
B	91 to 365 days	2.39	13,762	432	2.9	62	67.2	18.8	25.2	0.4	53.8
C	More than 365 days	2.27	26,421	1,497	3.0	28	64.1	10.8	15.4	0.2	62.9

Small domestic banks
7.	During survey week	4.53	2,091	146	3.3	546	88.3	12.9	51.0	2.6	42.4
A	Not under commitment	4.65	813	154	3.3	612	82.4	20.5	42.5	0.6	55.4
B	Informal commitment	4.29	482	114	3.2	371	90.9	4.4	68.9	5.1	23.8
C	Formal commitment	4.56	796	165	3.3	585	92.7	10.2	48.9	3.2	40.3
8.	Before survey week 11
A	Up to 90 days	4.07	909	133	3.4	64	89.2	7.7	73.6	2.1	25.0
B	91 to 365 days	4.06	991	106	3.5	28	89.6	3.2	72.6	3.3	19.4
C	More than 365 days	3.65	333	113	3.7	87	89.6	6.3	73.1	0.3	27.4

Foreign banks
9.	During survey week	1.39	19,397	14,232	2.8	19	29.0	72.4	0.3	0.0	19.8
A	Not under commitment	0.62	10,165	17,649	3.0	7	26.6	55.8	0.2	0.0	0.5
B	Informal commitment	0.63	4,279	23,032	2.3	5	3.3	99.7	0.0	0.0	0.0
C	Formal commitment	3.65	4,954	8,240	2.8	57	56.2	82.8	0.7	0.0	76.4
10.	Before survey week 11
A	Up to 90 days	1.59	4,310	7,493	2.8	146	7.3	91.5	8.4	0.0	53.3
B	91 to 365 days	1.88	5,114	10,493	3.0	209	72.5	83.7	10.5	0.0	85.8
C	More than 365 days	2.35	3,832	3,291	3.5	482	52.2	59.7	11.1	0.0	79.0

7. Commercial and industrial loans backed by the SBA 6

Backed by SBA		Weighted- average effective loan rate 4 (percent)	Total value of loans ($ millions)	Average loan size ($ thousands)	Weighted- average risk rating 3	Weighted- average maturity/ repricing interval 2 (days)	Percent of value of 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	5.13	422	66	3.4	756	93.5	23.5	82.9	20.2
2.	Domestic banks	5.13	422	66	3.4	756	93.5	23.5	82.9	20.2
3.	Large domestic banks	5.14	315	60	3.4	973	95.1	30.6	84.4	4.4
4.	Small domestic banks	5.10	107	91	3.3	119	88.5	2.9	78.6	66.7
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	2.46	45,638	1,720	3.0	133	71.0	36.3	14.9	0.2
2.	Domestic banks	2.37	32,088	1,303	3.1	80	75.7	14.5	17.8	0.3
3.	Large domestic banks	2.28	30,692	2,083	3.0	65	74.9	14.4	16.8	0.0
4.	Small domestic banks	4.34	1,396	141	3.4	405	91.6	17.6	40.6	5.1
5.	Foreign banks	2.67	13,549	7,059	2.9	266	59.9	88.0	7.8	0.0

Summary statistics		All commercial banks	Domestic banks	Large domestic banks	Small domestic banks	Foreign banks
1.	Average reported prime rate	3.32	3.33	3.31	3.42	3.24
2.	Standard error of loan rate	.27	.17	.18	.09	.64

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, 2015 , assets of the large banks were at least $5.0 billion. Median total assets for all insured banks were roughly $176 million. Assets at all U.S. branches and agencies averaged 11.3 billion.

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

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

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

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

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

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

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

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

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

11. For loans made under formal commitments.

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