Full text of G.20 Finance Companies : November 1998

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FEDERAL RESERVE~ statistical release

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FINANCE COMPANIES1

G.20

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For immediate release

September 1997

November 1997

OWNED AND MANAGED RECEIVABLES2
1997

1~
Oct

Sep

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug _

Sep

Seasonally Adjusted
Growth Rates (percent at annual rate)
Total
Consumer
Real estate
Business
Outstandings (billions of dollars)
Total
Consumer
Real estate
Business

-0.9
0.3
13.0
-6.4

4.7
-2.2
3.7
11 .2

4.8
-0.6
2.5
10.3

5.8
4.7
34.5
-2.3

6.6
9.7
8.8
3.2

1.7
8.6
1.3
-4.4

9.7
4.5
28.8
8.0

~~ -7
21.7
14.3
-10.3

0.4
1.3
11 .3
-4.1

10.8
8.7
20.8
9.3

5.0
8.8
17.7
-3.1

8.3
0.8
18.5
11.9

6.4
-1.2
-7.5
18.4

752.8
306.2
108.2
338.4

755.7
305.6
108.5
341 .6

758.7
305.4
108.8
344.5

762.4
306.6
111 .9
343 .8

766.6
309.1
112.7
344.7

767.7
311.3
112.8
343.5

773 .8
312.5
115.5
345.8

775.6
3Hl.2
116.9
340.5

775.9
318.5
118.0
339.3

782.9
320.8
120.1
342.0

786 .1
323 .2
121 .8
341 .1

791.6
323 .4
123.7
344.5

795 .8
323.1
122.9
349.7

AUTO LOANS: TERMS OF CREDIT3
Percent except as noted ; not seasonally adjusted

New car loans

Interest rate

Maturity (months)
Loan-to-value ratio
Amount financed (dollars)

10.52
51 .9
91
17,182

10.40
52.5
89
17,435

10.31
52.3
90
17,719

8.60
52.3
90
17,670

7.17
55.1
92
17,090

7.44
54 .6
92
16,837

8.08
53 .5
90
17,198

8.56
52.8
91
17,620

7.80
53.2
93
18,060

7.64
53.3
93
18,171

6.71
54.6
94
18,281

5.93
55.5
93
18,329

6.12
55.4
93
18,520

Used car loans
Interest rate
Maturity (months)
Loan-to-value ratio
Amount financed (dollars)

13.87
51 .0
100
12,108

13.75
51 .1
101
12,326

13.56
50.3
102
12,393

13.42
49.9
99
12,492

12.93
51 .5
99
12,362

13.08
51 .1
99
12,202

13.18
51 .1
99
12,194

13.29
5·-: .2
99
12,195

13.48
51 .3
99
12,261

13.55
51 .3
99
12,239

13.51
51 .4
99
12,307

13.38
51 .2
99
12,204

13.29
50.8

99
12,190

1. lndudes finance oompany subsidiaries of bank holdln~ompanies but not of retailers and banks .
2. Owned receivables are those carried on the balances et of the institution. Managed receivabtes are outstanding balances of pool;s upon which securities have been issued ; these balances
are no longer carried on~ balance sheets of_the loan originat~r. Data are shown before deductions for unearned Income_and losses . Components m~ not add to totals because of rounding .
3. Data are from the subs1d1ar1es of the thr88 maJor U.S. automobile manufacturers and are volume-weighted averages oovering all loans of each type pur ased during the month .


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Federal Reserve Bank of St. Louis

OWNED AND MANAGED RECEIVABLES2
__ 1997

199§
Sep

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Not Seasonally Adjusted
Outstandings (billions of dollars)
749.4

754 .2

759.8

769.7

767.7

766.2

775.0

776.6

777.8

786 .9

780.3

786.2

792.1

Consumer
Motor vehicle loans
Motor vehf le leases
RevolMing
Other
Securitized Assets6
Motor vehicle loans
Motor vehicle leases
Revolving
Other

306.8
88.7
89.9
29.4
36.5

305.7
88.0
91 .4
29.6
33.8

307.1
87.6
91 .8
29.9
33 .6

310.6
86.7
92.5
32.5
33.2

310.6
86.8
93 .6
32.3
34.4

309.9
87.1
94.3
32.2
34.0

311 .0
85.8
95.6
33 .2
34 .0

31fi.6
8~1.2
96.7
34.3
3~L3

317.5
85.1
97.3
34 .4
34.7

320.9
87.0
98.5
34 .0
34.8

322.1
88.3
99.4
33 .1
34 .7

323 .2
88.4
98.8
33 .6
35.4 .

323 .8
88.6
96.7
33 .1
36.6

36.2
7.4
0.0
18.7

35.8
8.1
0.0
19.0

35.3
8.8
. 0.0
20.2

36.8
8.7
0.0
20.1

35.0
8.6
0.0
19.8

34 .2
8.5
0.0
19.7

34 .5
8.4
0.0
19.6

3Et.3
fL4
1R 3

36.8
9.3
0.0
19.9

37.8
9.2
0.0
19.7

38.1
9.0
0.0
19.5

38 .3
8.9
0.0
19.7

39.7
10.0
0.0
19.0

Real estate
One- to four-family
Other
Securitized real estate assets6
One- to four-family
Other

108.2
50.4
31 .8

108.5
51 .6
31 .4

108.8
51 .5
31 .1

111 .9
52.1
30.5

112.7
53 .2
30.3

112.8
53 .8
30.2

115.5
53.3
30.1

116.9
5ti.0
30.3

118.0
54.9
30.3

120.1
54 .5
30.3

121 .8
56.8
30.3

123.7
59.1
30.4

122.9
58.1
30.6

25.6
0.4

25.1
0.4

25.8
0.4

28.9
0.4

28.9
0.3

28.5
0.3

31 .8
0.4

31 .3
0.3

32.5
0.3

35.0
0.3

34 .4
0.3

33 .9
0.3

34.0
0.3

Business
Motor vehicles
Retail loans
Wholesale loans 7
Leases
Equipment
Loans
Leases
Other business relivables8
Securitized assets
Motor vehicles
Retail loans
Wholesale loans
Leases
Equipment
Loans
Leases
Other business receivables8

334 .4
64.7
25.3
30.9
8.5
190.8
53 .9
136.8
45.9

~i39.9
65.3
25.5
31 .2
8.6
189.7
56.7
133.0
49.6

344 .0
66.6
24.9
32.9
8.7
192.1
58.3
133.8
49.0

347.2
67.1
25.1
33.0
9.0
194.8
59.9
134.9
47.6

344 .4
68.4
24.9
34.5
9.1
191 .9
56.1
135.8
47.7

343 .4
71 .0
25.0
36.9
9.1
190.8
54.5
136.3
48.3

348.5
73 .8
25.1
39.6
9.1
192.1
55.0
137.1
49.3

344 .1
71 .7
24 .6
37 .9
S.2
189.9
53 .8
136.1
49.6

342.2
70.4
24 .4
36.6
9.3
188.0
52.3
135.6
50.3

345.9
70.7
25.2
36.3
9.3
188.8
52.6
136.2
52.2

336.4
63 .6
24 .4
29.8
9.3
188.3
51 .7
136.6
51 .6

339.3
65.2
25.3
30.5
9.4
189.0
51 .3
137.6
52.6

345.4
67.6
26.0
32.0
9.6
191 .6
53 .0
138.6
53.9

22.0
1.6
20.3
0.0
8.5
4.5
4.1
2.5

21 .9
1.5
20.4
0.0
11 .0
4.2
6.7
2.4

22.9
2.8
20.0
0.0
11 .1
4.6
6.4
2.4

24.0
2.7
21 .3
0.0
11 .3
4.7
6.6
2.4

23 .3
2.6
20.7
0.0
10.7
4.5
6.2
2.4

20.7
2.4
18.3
0.0
10.3
4.2
6.0
2.4

20.5
2.2
18.2
0.0
10.3
4.0
6.3
2.5

20.3
2.1
18.2
0.0
9.9
3.8
6 .2
2 .6

21 .1
2.6
18.5
0.0
9.9
4.0
5.9
2.5

21 .3
2.5
18.7
0.0
10.4
3.9
6.5
2.5

19.9
2.4
17.4
0.0
10.6
4.2
6.4
2.5

19.8
2.3
17.5
0.0
10.3
4.1
6.2
2.4

19.3
2.2
17.1
0.0
10.1
4.0
6.0
2.9

Total

().Q

4. Excludes revolving credit reported as held :i,deposito~stilutions that are subsidiaries of finance companies.
of consumer goods such as appliances. apparel . boats , and recreation vehicles.
ns to purchase other
5 . lncl~sonal cash loans, mobile home ans. and
g balances of pools upon which securities have been Issued; these ba ces are no longer earned on the balance sheets 1) f the loan originator.
6 . Outs
7. Credit arising from transactions between manufacturers a,,d dealers, that ls, floor plan financinJ;
8 . Includes loans on commercial accounts receivable , factored commercial accounts, and receiv le dealer capital ; small loans used pmnarily for business or farm purposes; and wOO,esale and

lease paper for mobile homes , reaeation vehicles, and travel trailers .
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