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FEDERAL RESERVE statistical release
3.19

FOB IHHEDIATB BELBASE
HARCH 6, 1981

(421)

CONSUMES INSTALLRENT CBEDIT - JANUABY 1981

CONSUMES INSTALLMENT CBEDIT OUTSTANDING EXPANDED DUBING JANUABY BY
$869 BILLION, SEASONALLY ADJUSTED, DOWN FBOH A $1.62 BILLION ADYANCB IN DECEMBER. THE
ANNUAL BATE OF GROWTH IN JANUABY HAS 3 PEBCENT, COBPABED WITH 4 PEBCENT DUBING THE
FOURTH QUABTEB AND LESS THAN 1 PEBCENT FOB THE FULL YEAR 1980.
EXTENSIONS OF INSTALLMENT CBEDIT EDGED DOWN TO $27.06 BILLION, IN JANUABY,
AFTEB SEASONAL ADJUSTHENT, FBOH $27.15 BILLION, IN DBCBHBEB. LIQUIDATIONS IN JANUABY
BOSE TO $26.19 BILLION FBOH $25.53 BILLION THE MONTH BEFOBE, BBSULTING IN THE SLOHBB
GROWTH IN CBEDIT OUTSTANDING.
THE BATE OF EXPANSION WEAKENED FOB ALL CATEGOBIES OF INSTALLMENT CREDIT,
WITH SHALL DECLINES REGISTERED FOB AUTOMOBILE AND MOBILE HOME LOANS.
(IN BILLIONS OF DOLLARS)
INSTALLMENT CBEDIT
AMOUNT EXTENDED:

JAN. 1981 | DEC. 1980 | JAN. 1981 | JAN. 1980 I LATEST 12 MONTHS
(SEASONALLY ADJ.)
|
(NOT SEAS. ADJ.)
|(NOT SEAS.ADJ.)
27,059|

I
AUTOMOBILE
BEYOLVING (1)
MOBILE HOME
OTHER

7,237|
11,483|
383|
7,956|
I
1
26,190|
I
I
869|
I
-63|
557|
-24|
399|

27 f 149|
1
7,234|
11,614|
479J
7,822|

23,145|
I
5,733|
10,898|
284|
6,230|

I
I

I
I

24,675|

1
7,071|
10,3091
386|
6,909|

304,357
81,664
130,169
4,996
87,528

I
I

304,817
25,687|
NET CHANGE IN AMOUNT
I
, -460
OUTSTANDING:
I
I
-1.0121
AUTOMOBILE
(4)
-1,066|
J
BEYOLVING (1)
(4)
-877|
3571
HOBILE HOME
(4)
-83|
-681|
OTHER
(4)
-856|
-6J
I
I
-682]
AHOUNT OUTSTANDING,
I
I
I
I
I
310,554|
END OF MONTH
(2)
(2)
(2)
I
I
1
311,0121
NOTE: THE BOABD'S SEBIES COVERS MOST SHORT- AND INTERMEDIATE-TERM CBEDIT BXTEBDED
TO INDIVIDUALS THROUGH REGULAR BUSINESS C RANNELS, USUALLY TO FINANCE THE
PURCHASE OF CONSUMER GOODS AND SEBYICES 0 B TO BEFIBANCE DEBTS INCUBRED FOB
SUCH PURPOSES, AND SCHEDULED TO BE REPAID (OB WITH THE OPTION OF REPAYMENT)
IN TWO OB BOBB INSTALLMENTS, DETAILS HAY NOT ADD TO TOTALS DOB TO BOUNDING.
CBEDIT CARDS At RETAILERS, GASOLINE COHPA NIES AND COHHEBCIAL BANKS, AND
(1)
CHECK CBEDIT AT COMMEBCIAL BANKS.
NOT APPLICABLE OB NOT AYAXLABLB.
(2)
A VALUE FOB THE UNADJUSTED NET CHANGE IN OUTSTANDINGS APPEARS ALSO ON THE NEXT
(3)
TO LAST COLUMN ON THE NEXT PAGE, BUT MAY VARY SLIGBTLY, DUE TO DIFFERENT
AGGBEGATION METHODS.
FOB VALUES Sll THE NEXT TO LAST COLUMN ON THE NEXT PAGE UBDEB THE HEADING
(<»)
"CHANGE FROM END OF JANUABY 1980 AHOUNT N •S.A."
AMOUNT LIQUIDATED




25,530j
1
1,619|
1
I
302|
616|
66|
635|

26 f 027|
I
I
-2,882|

(3)

CONSUMER INSTALLMENT CREDIT BY HOLDER AND TYPE -

JAN. 1981

(IN fllLLIOMS OF DOLLARS)

L I

E X T E N D ED

Q U I D A T E D

I

INSTALLMENT CREDIT BY
HOLDER AND TYPE

|
|
|

JAN.
1981
S.A.

|
|
I

|

27,059

|
|
|
1
1
1
1

10,397
5,904 1
2,9941
4,673
7 1 5 ||
2,130I
246J

1

7,237

1
1
|
1
1

2,598 I
1,230I
1 , 3 6 81
1,5921
3,047 I

|

TOTAL

11,483 I

1
|
1

5,1851
4 , 1 6 8|
2,1301

|

383 I

1
1
|
1

171 I
8 1I
119|
12 1

BY MAJOR HOLDER
COMMERCIAL BANKS
FINANCE COMPANIES
CREDIT ONIONS
RETAILERS (2)
SAVINGS AND LOANS
GASOLINE COMPANIES
MOTDAL SAVINGS BANKS
BY MAJOR CREDIT TYPE
AUTOMOBILE
COMMERCIAL BANKS
INDIRECT PAPER
DIRECT LOANS
CREDIT ONIONS
FINANCE COMPANIES
REVOLVING
COMMERCIAL BANKS
RETAILERS
GASOLINE COMPANIES
MOBILE HOME
COMMERCIAL BANKS
FINANCE COMPANIES
SAVINGS AMD LOAMS
CREDIT UNIONS

1

OTHER
COMMERCIAL BANKS
FINANCE COMPANIES
CREDIT UNIONS
RETAILERS
SAVINGS AMD LOANS
MUTUAL SAVINGS BANKS
(1)
(2)

7,956

1
1
1
1
|
1

2,443
2 , 7 7 6 |1
1,390|
5 0 5 i|
596|
246j

DEC.
1980
S.A.

|
I
1

1
27,149 1
1
1
1
1
11,484 1
5,1851
3,0351
4,497 1
658 1
2 , 0 6 1|
229 1
1
1
1
7,234 1
1
3 , 2 7 11
1,8571
1,4141
1,5381
2,4251
1
11,614 |
1
5,5541
3,9991
2 , 0 6 1|
1
4791
1
254 1
8 9 j1
119 1
17 1
1
7,822 |
1
2,405 1
2 , 6 7 11
1,4801
4 9 8 {1
539
2 2 9 |1

JAN.
1980
S.A.

JAN.
|
1981
|
| N.3.A.

|
| |
|

123,14S|
27,923|
1
1
1
1
9,813|
12,322|
4,571| 1
5,471|
2,205| I
3,483|
3,655| 1
4,368|
577|
«62|
1,686|
2,179|
145| 1
1311
J
1
1
5,733J
8,441|
1
4,2851
2,229| 1
1,054|1
2,330J
1,175| 1
1,9551
1,158| 1
1,843J
2,346|| 1
2,313|
1
10,898|
10,500|
1
<»,955|
5,485| 1
3,234| 1
3,859|
2,179|
1,686|
1
284| 1
522|
1
3351
129|
56|
87|
76|
931 1
24|
6|
1
8,460|
6,230|
1
2,747|
1,970|
3,071|
2 , 1 6 9 | 1I
1,6161
1,041|
509|
421||
386!
484|
131|
145||

JAN.
1981
S.A.

|
|
|

DEC.
1980
S.A.

26,190|

11,760
4,325
2,657
4,181
468
1,978
161

|
1
1
I

7,300|

6,932 I

3,851|
2,069|
1,782|
1,386|
2,063|

3,762
2,038
1,724
1,364
1,806

10,926|

1
|
|
1

10,998 1

5,126|
3,776|
2,024|

5,343 1
3,677 1
1,978 |

407|

413 |

256|
66|
73|
12|

288
41
72
12

|
JAN.
|
1981
I N.S.A.

|
|
|

25,196

25,530

11,754|
4,791|
2,706|
4,264|
483|
2,024|
168|

| JAN.
| 1980
! S.A.

I
I
|
I

26,027|

11,779
4,4581
2,7451
4,0611
395
1,b04
154

11,829|
4,196|
2,645|
4,7b5|
4o5|
1,9' 7|
1<»0|

6,903

6,7'#9|

4,081 I
1
2,1831
1,8981
1,409 1
1,413 1
9,971
4,847
3,5201
1,6041

3,646|
1,964|
1,682|
1,369|
1,784|
11,775|
5,534|
4,274|
1,967|

I

0 U T S T

|
I
|
|

END OF ( CHANGS FROM END
J A N . 1 OF J A N . 1 9 8 0
I
1981
| AMOUNT
PERN.S.A. 1 N.S.A.|
CENT

|

310,554

|
1
|
I
I
1
1

143,749 -9,887|
8,4071
77,1311
|
43,601| -2,865|
1,0841
I
28,300 1
10,023 1
1,6251
1.038|
4 , 9 2 9 j1
140
2 , 8 2 1|

-63

I

115,262

-1253
-839
-414
206
984

|
|
|
J
|

59,608 I
33,947|
2 5 , 6 6 1 ,I
20,850I
34,8041

557

|

58,985 1

59
392
106

|
I
|

29,952 1
24,104 1
4 , 9 2 9I

NET
CHG
JAN.
1981
S.A.

°i
869

-1357
1113
288
409
232
106
78

418

367|

-24

|

17,244 I

297
401
1
681
13 !

234|
60|
62|
111

-85
15
46
0

|
1
I
|

10,271 1
3 , 7 4 11
2,7681
464 I

A ND I

-458|

-1,457

MOTE:

-.1

-6.4
12.2
-6.2
4.0
19.3
26.7
5.2

-1.2

-7,558 -11.3
-4,302 -11.2
-3,256I-11.3
-1,370I - 6 . 2
7 , 4 7 1| 2 7 . 3
2,729 I

4.9

151 1
-5
6.8
1,540|
1,038I 26.7
412 1

2.4

-3501 "3.3
1
9.5
3261
I
4661 2 0 . 2
- 3 0| - 6 . 1

7,557|

7,187

7,904

7,086|

399

|

119,063 1 - 2 , 1 4 2 I

-1.8

2,521|
2,662|
1,308|
488|
410|
168|

2,367
2,478 I
1,281 1
504|
396|
161|

2,554
3,005 1
1,3231
5 4 1j1
327 1
154|

2,415|
2,352|
1,265|
491|
403|
160|

-78 |
114 |
82 |
17 1
186 1
78 1

43,918 -2,130 |
|
3 8 , 5 8 6 ]1
6101
22,287I -1,465 |
4,196I
-456|
|
7,2551
1
1,1591
2,8211
1
1 4 0 |1

-4.6
1.6
-6.2
-9.8
19.0
5.2

NET CHANGES FOR ALL HOMTHS EQUAL EXTENSIONS MINUS LIQUIDATIONS (REPAYMENTS, CHARGEOFFS, AND OTHER CREDITS}.
INCLUDES AUTO DEALERS AND EXCLUDES 30-DAY CHARGE CREDIT HELD BY RETAILERS AND BY TRAVEL AND ENTERTAINMENT COMPANIES.




N G

S . A - AMD N . S . A . DENOTE SEASONALLY ADJUSTED AND NOT SEASONALLY ADJUSTED DATA,
DETAILS HAY NOT ADD TO TOTALS DUE TO ROUNDING.

RESPECTIVELY.