Full text of G.21 Commercial and Industrial Loan Commitments at Selected Large Commercial Banks : August 1, 1980

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FEDERAL RESERVE statistical release
G.21 (423)

::r

LOAN COMMITMENTS AT SELECTED LARGE COMMERCIAL BANKS

For lamedlate release
August 1980

Table 1
UNUSED COMMITMENTS
Billions of dollars, seasonally adjusted
Month-end

Total unused
commitments 1

total

To commercial and industrial firms
formalized agreements
revolving 3
other4
term 2

confirmed
linesS

To nonbank
financial
institutions

1979—-January
February
March
April
May
June
July
August
September
October
November
December

196.7
198.9
203.1
204.5
208.9
212.5
213.5
216.2
220.2
224.8
230.7
234.9

156.0
158.0
161.8
163.8
167.2
170.0
171.0
174.3
177.1
181.3
186.1
189.7

10.7
10.8
11.2
11.2
11.8
11.8
11.9
12.1
12.5
12.5
12.7
12.9

47.0
47.8
49.1
49.9
50.9
50.4
51.2
52.8
53.4
56.0
58.9
59.2

7.2
7.3
7.4
7.2
7.6
7.6
8.1
8.4
8.6
8.7
8.8
8.4

91.1
92.1
94.1
95.5
96.9
100.2
99.8
101.0
102.6
104.1
105.7
109.2

40.7
40.9
41.3
40.7
41.7
42.5
42.5
41.9
43.1
43.5
44.6
45.2

1980—J anuary
February
March
April
May
June

239.1
248.4
262.2
276.5
284.6
286.6

193.5
203.5
215.1
226.5
232.6
234.3

12.8
13.7
16.5
16.9
15.6
15.6

61.0
65.6
72.0
79.7
85.2
86.4

8,7
9.1
9.3
9.9
9.5
10.2

111.0
115.1
117.3
120.0
122.3
122.1

45.6
44.9
47.1
50.0
52.0
52.3

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 nu 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 t o 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 t o
lend, other than for term loans or revolving credits, that are made known t o
the customer but are not characterized by detailed formal agreements specifying the terms and conditions under which a loan is t o be made.
NOTE: Included in this series are 1 3 4 weekly reporting banks;these banks
account for approximately 8 5 percent of commercial and industrial loans,
and 9 5 percent of nonbank financial Ioans. Individual items may not add t o
totals due t o rounding.

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

Total loans
made under
commitments 1

total

To commercial and industrial firms
formalized agreements
term 2
revolving 3
other4

confirmed
lines 5

To nonbank
financial
institutions

1979—January
February
March
April
May
June
July
August
September
October
November
December

116.5
118.0
119.9
122.4
123.4
125.6
127.0
130.9
132.2
133.1
132.5
137.4

98.4 .. .
100.3
102.4
104.3
105.5
107.2
108.9
111.9
114.1
114.7
114 0
118.3

37.5
37.9
38.8
39.0
39.5
39.7
40.2
40.8
41.3
41.8
42.6
43.4

25.3
26.0
26.5
27.3
27.5
28.1
28.4
29.2
30,0
30.5
30.8
33.6

8.9
9.0
9.0
9.2
9.5
9.6
10.2
10.7
10.7
10.4
10.4
10.9

26.7
27.4
28.1
28.8
29.0
29.8
30.1
31.2
32.1
32.0
30.2
30.4

18.1
17.7
17.5
18.1
17.9
18.4
18.1
19.0
18.1
18.4
18.5
19.1

1980—January
February
March
April
May
June

139.5
141.6
145.0
142.5
137.6
136.2

119.8
120.9
123.5
121.7
118.5
117.1

43.5
43.8
44.3
44.6
44.6
43.9

34.0
34.3
35.6
34.5
32.7
32.7

11.0
11.3
11.2
11.3 .
11.0
12.4

31.3
31.5
32.4
31.3
30.2
28.1

19.7
20.7
21,5,
20.8
19.1
19.1

1. Loans made under commitments are outstanding loans to commercial
and industrial firms and nonbank financial institutions, less repayments of
principal, made under commitments currently or previously in force.
2. Term loans are loans with an original maturity of more than 1 year.
3 . Loans made under revolving credits are loans under agreements whereby
the borrower may draw down 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 . Loans made under other commitments are loans made under expressions of willingness t o 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. 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 t o be made.
NOTE: Included in this series are 134 weekly reporting banks; these banks
account for approximately 8 5 percent of all commercial and industrial loans,
and 9 5 percent of all nonbank financial loans, individual items may not add
t o totals due t o rounding.

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

Total unused
commitments 1

1979—January
February
March
April
May
June
July
August
September
October
November
December
1980—January
February
March
April
May
June

NOTE: See Table 1 for footnotes.




total

To commercial and industrial firms
formalized agreements
revolving3
term 2
other4

confirmed
linesS

To nonbank
financial
institutions

198.9
200.1
203.8
203.6
207.2
209.7
211.0
215.7
218.7
223.7
232.0
237.0

158.2
158.7
162.0
162.6
165.5
167.5
169.1
174.2
175.9
180.6
187.7
191.8

10.9
10.8
11.2
11.1
11.5
11.6
11.4
12.0
12.5
12.8
13.2
13.2

47.9
48.2
49.3
49.6
49.7
49.1
50.0
52.2
52.9
56.3
60.1
61.2

7.6
7.5
7.8
7.1
7.6
6.9
7.7
8.4
8.6
8.6
8.9
8.5

91.7
92.2
93.7
94.8
96.7
99.9
100.1
101.5
102.0
102.9
105.5
109.0

40.8
41.4
41.7
41.0
41.6
42.1
41.9
41.5
42.8
43.1
44.3
45.2

242.3
250.4
263.6
275.7
282.4
282.8

196.5
204.8
215.9
225.1
230.3
230.8

13.0
13.7
16.5
16.6
15.2
15.4

62.3
66.3
72.4
79.2
83.3
84.2

9.2
9.5
9.8
9.7
9.5
9.2

112.0
115.4
117.2
119.5
122.3
122.0

45.8
45.6
47.7
50.6
52.1
52.0

Table 4
OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
Billions of dollars, not seasonally adjusted
Total loans
made under
commitments 1

total

1979—January
February
March
April
May
June
July
August
September
October
November
December

115.1
116.6
119.1
121.5
122.0
125.8
126.1
129.1
132.6
134.3
134.0
139.2

97.5
99.3
101.9
103.8
104.4
107.3
108.0
110.2
114.4
115.5
115.2
119.6

37.5
37.7
38.4
38.9
39.1
39.5
40.2
40.6
41.3
41.9
42.4
43.3

25.2
25.9
26.6
27.2
27.4
28.1
28.2
28.7
30.0
30.5
31.0
33.9

1980—January
February
March
April
May
June

138.4
140.4
144.6
141.4
136.7
136.8

119.1
120.1
123.3
121.1
117.8
117.5

43.7
43.8
44.1
44.7
44.4
43.9

34.0
34.2
35.8
34.4
32.7
32.7

Month-end

NOTE: See Table 2 for footnotes.




confirmed
linesB

To nonbank
financial
institutions

8.9
8.8
9.0
9.3
9.4
9.8
9.7
10.4
10.6
10.5
10.7
11.2

25.9
26.9
27.9
28.5
28.4
29.9
29.8
30.6
32.5
32.6
31.1
31.3

17.6
17.3
17.2
17.7
17.6
18.6
18.1
19.0
18.2
18.8
18.9
19.5

11.1
11.1
11.3
11.1
11.0
12.6

30.3
31.0
32.1
31.0
29.7
28.3

19.3
20.2
21.3
20.3
18.9
19.3

To commercial and industrial firms
formalized agreements
term 2
revolving3
other4