Full text of G.19 Consumer Credit : February 7, 1992

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FEDERAL RESERVE statistical release
TjSTwsr-'
For i Mediate ralaaso
Fabryary 7, 1992
6,19

CONSUMER INSTALLMENT CREDIT
Consumar installment credit outstanding foil 91.7 billion in
December* following a 90.2 billion decrease in Novanbar. All major type*
of installment credit, except Mobile homes, posted dOClines in December.
For 1991 as a whole* outstanding consumar installment credit fall 1 percent—
the first yearly declina since 1958.
Net cheitua in
amount outstanding
(millions of dollars)
1991
Dec p
Nov r
Oct

Annual rate of growth
(percent)
1991
Dae p
Nov r
Oct

CHANGE IN CRFDIT, 8Y TYPE U
(seasonally adjusted)
Total
Automobile
Revolving
Mobile noma
Other

-1,722
-689
-207

-170
-1,890
1,005

1.165
-207
1,591

50

116
599

-270

-876

-2.
-3
-1,
3
-5

51

1991-

Dec

Nov

Oct

SOP

•1990Dec

IfcRHS OF CREDIT ?/
(not seasonally adjusted)
Interest rates
Commercial banks
n.a.
48-mo. new ear loan
n.a.
24-mo. personal loan
n.a.
120-mo> mobile home loan
n.a.
Credit card plan
Auto finance companies
10.41
New car loen
14.90
Used car loan
Other terms at
auto finance companies
Maturity (months)
53.7
New car loan
46.9
Used car loan
loan-to-volue ratio (percent)
88
New car loan
93
Used car loan
Amount financed (dollars)
13,476
New car lean
9,105
Us^ car loon




10.61
14.88
13, 37
18.19

A.a.
n.a.
n.a.

n.a.
n.a.
n.o.
n.a.

n.a.
n.a.
n.a.
n.a.

10.79
15.06

12.23
15.46

12.38
15.60

12.86
16.04

54.1
47.0

55.4
47.0

55.4
47,2

34.7
45.8

88
9o

88
97

87
96

85
94

13,245
9,029

12,684
9.077

12,460
8,996

12,140
8,530

NOUCI AND TYPf 1 /

niiliont of dblUr*
Ooop
1991

..
7*6,436

Total

1991

—...

Oat
1991

1941

1991

1990

1990

.iMMmlly W ) u i M

730,147 710,317 729,162

•—~

719,108 716.102

734,411

147,434 240.123 170,013 270,119 271,904 2*4,006 214,412
214,664 134,444 133,441 232,070 229,463 220.110 221,690
10,092 19,496 20,919
20,490
19,109
19,009
10,943
207,424 200,500 207,700 207,971 200,961 209,407 209,017

autoPobils
Oavalvins.
Mobilo HOW
Qthor

ily odjurtod—-——
Totol

742,140 732.264

730.722 712,104

731,331

740,300

736,424

Nojor heldor
140,394
129,344
92,100
33,941
43,130
4,342
94,747

334,404 332,260
130,479 131,770
92,373
92.7H
17,424
S4,907
30.411 $7,369
4,300
4,629
94,274
41,626

335,609
132,471
93,206
37,034
37,201
4,761
91.629

336,442 347*444
136,309 117,460
92,911
92,043
37,093
46,413
97,294
43.162
4,067
4,622
07,471
74,406

342,062

fcitoaobilo
e < M f o i « l bank*
Pinanus oooponio*
Pools of toouriti^od a»sat* 3 /

267,600
117.144
44,649
27,997

246,927
116,602
47,907
26,237

272,092
119,274
49,344
24,003

273,364
119,730
69,633
26,000

274,290
120,677
71,671
26,071

204,613
129,239
74,147
24,637

266,179
126,644
71,224
23,476

tovdlving

247,671

236.473
126,734
34,319
4,166
69,469

231,042
126,234
S3.066
4,629
64i290

231,201
126,124
32,944
4,763
64,436

229,224
126,707
22,942
4,067

64,017

212.370
132,432
39,029
4,022
44,116

222.643
129,117
34,667
4,761
42,247

14,670
9.662
6,610

19,021
9,464
6>401

14,026
9,400
5,366

16,994
9,414
6,300

19,440
9,634
5*700

20,444
4,763
6.362

20,472
9.199
5,144

206,399
•1.049
67,497
4,476

200.411
01,012
57,371
4,332

207,742
00,140
67,064
4,104

206,653
60,441
57,316
4,317

206,449
79,764
60,210
4,334

210,461
79,011
67,001
4,623

210,132
70,022
66,407
4,430

0.631

0,570

0,535

0,503

0.S63

7.611

4,696

• r o i a l bank*
f inane* uunponioi

Credit unono
SovinQ* institutions
ftotoilars
Oasolino uooponioo
Poolt of aocuritisod a»s«U 3 /
Mojor orodit *W

124,196
92,910
47,121
14,006

4,763
72,442

4/

CooMroiol bonks
122,424
ootoilort
36,462
Casolino oooponia*
4,342
Pool* of toouritiood ossott 3/ 60 P 134
llObilo bona*
Coooorotal bank*
Finanoo conptnisi

Othor
Coswrcial banks
firmnom ooopania*
totallorI
Pool* of aoouritUod ossoto
t i n a l . swbilo hoOJOtl 3 /
1

1> ThO i o o r d * sorios on a n n t t of orodit oovor ooot short- and intaraodista-tons orodit
oxtandod to individual* thot U sohodulod to hm rapaid for has tns option of ropoyo»nt) in I
• r aoro i n t t a l l o o n t s , sstcludino loam iteurad by raal oststo.
2. Xntorott rotOO oro annual poroontaga rata* oo tpooifiod by tOftuUtion 2. CoamsrcUl
OOf* dot* oro siapls tmaiphtod svorogos of oooh batik's "ooat B f i I » rata eharpod during
tha f i r s t calandar ass* of tho llid'oonth of aooS ojuartsr, r i n t r a ijuayij Oat* frOB tho
•taVsidlaf i « * of tho thTOO oojor U.S. sutaaofcil* Amfooturar* aro voluO* -MOiflMod aiaj rafts
oovorirsj a l l loans of aaeh typo purchased during Iho ojgnth.
3. Outstanding bo 1 snoot of pools upon toMoh ooeuritiaa novo boo* issuodi thaaa bolonoos
oro no loneor oarriad on tho oolong* shoots of tha laan originator.
4. Typo-of-crodit t o t o l t ineludo astia»tos far oartain holdor* for ftaSieh only
a* W i t totols oro ovoilahlo.
r « rovisod.

p * proliainory*

Tno 6.19 S t o t i s t i o o l llalaoso is issuod Oround Iho f i f t h butinass day of oooh oonth.
data and tioo ooy bo obtoinod by c o l l i no 12021 462-2204.




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