Full text of G.21 Commercial and Industrial Loan Commitments at Selected Large Commercial Banks : April 9, 1986

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FEDERAL RESERVE statistical release
G.21 (423)

COMMERCIAL AND INDUSTRIAL LOAN COMMITMENTS
AT SELECTED LARGE COMMERCIAL BANKS

Table 1
UNUSED COMMITMENTS
Billions of dollars, seasonally adjusted

Month-end

For Immediate r e l e a s e
Total1

term*

Formalized agreements
revolving®

other4

Confirmed
lines5

1984—July
August
September
October
November*
December

356.5
359.7
364.0
366.1
365.0
365.7

16.6
17.4
17.4
16.4
16.1
15.8

181.0
181.7
186.1
188.1
188.9
192.7

10.3
9.5
9.7
9.7
9.5
8.8

148.6
151.0
150.9
152.0
150.5
148.4

1985—January
February
March
April
May
June
July
August
September
October
November**
December***

366.4
366.0
369.4
372.9
374.9
380.2
376.7
377.9
379.8
389.9
386.Or
384.9r

16.3
15.5
15.8
16.2
16.4
17.5
17.0
17.0
19.0
18.4
17.3
17.7

194.5
197.0
197.9
201.2
203.4
207.4
207.0
208.4
209.6
216.0
217.2r
216.7

8.7
8.3
8.9
9.0
9.5
9.8
9.2
8.9
9.3
9.5
8.8
8.5

146.8
145.3
146.8
146.5
145.6
145.4
143.5
143.6
141.9
146.0
142.8r
142.0

1986—January
February

384.7
381.7

17.6
17.2

217.0
215.9

8.5
7.6

141.6
140.9

r—revised.
1. Unused commitments are the amounts still available for lending under official promises to lend that are expressly conveyed to the bank's
customers orally or in writing, usually in the form of a formally executed
agreement signed by one of the bank's officers.

2. Commitments for term loans are those for loans with an original
maturity of more than one year.
3. Revolving credits are commitment agreements whereby the borrower
may draw and repay loans at will with no repayment penalty and under
which the commitment rebounds by an equal amount after a takedown
has been repaid.
4. Other commitments are expressions of willingness to lend, other
than for term loans and revolving credits, that are made known to the customer and are characterized by detailed formal agreements specifying
the terms and conditions under which a loan is to be made.
5. Confirmed lines of credit represent general expressions of willingness to lend, other than for term loans or revolving credits, that are made
known to the customer but are not characterized by detailed formal agreements specifying the terms and conditions under which a loan is to be
made.
—



Due to mergers, the number of large commercial banks hn our survey has dropped from 121 to 119, as of November 1984. Historical data
has been revised.
Individual items may not add to totals due to rounding.

**A break in s e r i e s caused d e c l i n e s of
$2.5 b i l l i o n i n t o t a l l o a n s , $0.4 b i l l i o n
i n terra l o a n s , $1.5 b i l l i o n in revolving
c r e d i t and $0.6 b i l l i o n i n confirmed l i n e s .
H i s t o r i c a l data has not been r e v i s e d .
***Due to the merger of two banks in
the sample, the number of i n s t i t u t i o n s
has dropped to 118. No r e v i s i o n of
data i s n e c e s s a r y .

%

Table 2
OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
Billions of dollars, seasonally adjusted
Month-end

Total 1

term*

Formalized agreements
revolving*

1984—July
August
September
October
November*
December

171.0
170.6
167.2
167.0
168.0
167.6

50.5
50.7
49.2
49.0
49.3
49.5

76.1
75.8
74.5
73.3
73.8
73.0

1985—January
February
March
April
May
June
July
August
September
October
November**
December***

167.3
171.0
171.4
170.9
172.1
171.7
173.0
173.6
173.4
171.8
171.0
170.5

48.4
49.2
49.7
50.0
50.0
49.9
50.6
51.2
51.8
50.6
50.4
49.9

72.0
74.5
74.5
73.9
75.4
75.0
75.8
76.5
76.1
76.0
75.4
75.3

1986—January
February

168.7
172.6

48.6
49.0

74.5
77.6

other 4

Confirmed
lines 5

8.6
8.8

35.8
35.2
34.5
35.4
35.2
35.9

9.5
9.5
9.2
9.4
9.0
9.2
9.1
9.3
9.1
9.5

9.4

37.3
37.9
38.1
37.6
37.7
37.7
37.5
36.6
36.4
35.7
36.5r
36.0

9.2
9.4

36.3
36.6

8.9
9.4
9.7
9.3

8.8

_L
r—revised.
*Due to mergers, the number of large commercial banks in our sur1. Loans made under commitments are outstanding loans to commer- I vey has dropped from 121 to 119, as of November 1984. Historical data
cial and industrial firms, less repayments of principal, made under com- I has been revised.
mitments currently or previously in force.
Individual items may not add to totals due to rounding.
2. Term loans are loans with an original maturity of more than 1 year.
**A break In s e r i e s caused d e c l i n e s of
3. Loans made under revolving credits are loans under agreements
$1.3 b i l l i o n i n t o t a l l o a n s , $0.6 b i l l i o n
whereby the borrower may draw down and repay loans at will with no
in term l o a n s , $0.5 b i l l i o n in revolving
repayment penalty and under which the commitment rebounds by an equal
c r e d i t and $0.2 b i l l i o n in confirmed l i n e s .
amount after a takedown has been repaid.
H i s t o r i c a l data has not been r e v i s e d .
4. Loans made under other commitments are loans made under expressions of willingness to lend, other than for term loans and revolving ***Due to the merger of two banks in
the sample, the number of i n s t i t u t i o n s
credits, that are made known to the customer and are characterized by
has dropped to 118
No r e v i s i o n of
detailed formal agreements specifying the terms and conditions under
data i s n e c e s s a r y .
which a loan is to be made.
5. Loans made under confirmed lines of credit are loans made under
general expressions of willingness to lend, other than for term loans or
revolving credits, that are made known to the customer but are not characterized by detailed formal agreements specifying the terms and conditions under which a loan is to be made.




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Table 3
UNUSED COMMITMENTS
Billions of dollars, not seasonally adjusted
Month-end

Total 1

term%

Formalized agreements
revolving3

other 4

Confirmed
lines 5

1984—July
August
September
October
November*
December

357.9
362.7
363.3
365.6
366.0
367.0

16.8
17.7
17.1
16.3
16.4
16.1

182.3
185.0
187.4
189.6
190.2
193.1

9.7
9.4
9.5
9.6
9.5
8.9

149.2
150.5
149.3
150.2
149.9
149.0

1985—January
February
March
April
May
June
July
August
September
October
November**
December***

368.3
367.1
368.8
370.9
372.0
375.8
378.3
381.4
379.3
389.6
387.3r
386.2r

16.2
15.4
15.9
16.1
16.3
17.4
17.2
17.3
18.6
18.3
17.5
17.9

194.9
196.4
196.3
199.0
200.4
204.9
208.5
212.1
211.1
217.7
218.7r
217.1

9.1
8.8
8.9
9.1
9.4
9.0
8.6
8.8
9.1
9.4
8.8
8.6

148.1
146.6
147.7
146.6
145.9
144.4
144.0
143.2
140.5
144.3
142.2r
142.6

1986—January
February

386.6
382.7

17.5
17.1

217.5
215.3

8.8
8.1

142.9
142.2

NOTE: See Table 1 for footnotes.

**See Table 1 f o r break I n s e r i e s .
break a d j u s t m e n t s a r e e q u a l .




A f t e r r o u n d i n g , t h e s e a s o n a l l y and not s e a s o n a l l y a d j u s t e d

%

%

Table 4
OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
Billions of dollars, not seasonally adjusted
Month-end

Total 1

term 2

Formalized agreements
revolving 3

other 4

Confirmed
lines 5

19 84—July
August
September
October
November*
December

168.6
167.8
168.1
167.0
169.3
171.2

50.7
50.5
49.3
49.2
49.1
49.8

74.1
73.3
73.9
72.3
74.4
75.8

8.7
8.8
8.9
9.2
9.6
9.3

35.1
35.2
36.0
36.4
36.2
36.3

1985—January
February
March
April
May
June
July
August
September
October
November**
December***

168.4
170.2
171.5
171.0
171.4
171.1
170.5
170.7
174.4
171.7
172.3
174.3

48.5
49.1
49.5
50.1
50.1
49.8
50.7
50.9
51.9
50.8
50.2
50.1

74.3
74.8
75.1
74.2
75.0
74.4
73.8
73.9
75.5
75.0
76.0
78.2

9.5
9.4
9.1
9.5
9.2
9.4
9.1
9.3
9.0
9.3
8.7
9.4

36.2
36.9
37.7
37.2
37.2
37.5
36.9
36.7
38.0
36.7
37.5r
36.5

1986—January
February

169.9
171.8

48.7
49.0

76.8
77.9

9.2
9.3

35.2
35.6

%

S
#
s

NOTE: See Table 2 for footnotes.

**See Table 2 f o r break i n s e r i e s .
break a d j u s t m e n t s a r e e q u a l .




A f t e r rounding, t h e s e a s o n a l l y and not s e a s o n a l l y a d j u s t e d

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