Full text of G.21 Commercial and Industrial Loan Commitments at Selected Large Commercial Banks : December 7, 1981

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

FEDERAL RESERVE statistical release
For
G.21 (423)

immediate r e l e a s e
December 7, 1981

LOAN COMMITMENTS AT SELECTED LARGE COMMERCIAL BANKS
Table 1
UNUSED COMMITMENTS
B i l l i o n s o f dollars, s e a s o n a l l y a d j u s t e d
Month-end

Total unused
commitments 1

total

T o c o m m e r c i a l a n d industrial f i r m s
formalized agreements
other4
revolving 3
term 2

1980—April
May
June
July
August
September
October
November
December

275.2
282.1
283.4
287.7
287.6
288.5
290.7
290.5
291.1

224.6
229.5
231.1
233.1
233.7
234.7
237.0
236.0
238.2

15.1
13.6
15.3
15.4
15.0
15.0
14.0
14.3
14.4

1981—January
February
March
April
May
June
July
August
September
October

298.7
304.4
310.7
315.2
320.9
325.5r
344.Or
349.2r
355.5
363.1

245.4
250.6
256.6
261.3
266.7
272.3r
288.4r
292.8r
299.3
304.8

14.2
14.6
14.8
15.0
15.2
15.3r
17.0
16.6r
15.7
15.9

r-revised.
1. Unused commitments are t h e amounts still available for lending under
official promises to lend that are expressly conveyed t o 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 o r i g i n
maturity of more than one year.
3. Revolving credits are c o m m i t m e n t agreements whereby the borrower
may draw and repay loans at will with no repayment penalty and under
which the c o m m i t m e n t 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 t o the customer




confirmed
linesS

To nonbank
financial
institutions

79.6
85.2
85.0
86.2
87.3
86.2
86.0
85.8
83.5

10.1
9.7
9.7
9.5
9.6
9.8
10.6
10.3
10.7

119.8
121.0
121.1
122.0
121.8
123.7
126.4
125.6
129.6

50.6
52.6
52.3
54.6
53.9
53.8
53.7
54.5
52.9

88.5
92.2
95.4
97.8
101.9
105.8
116.4
120.7
125.7
127.1

10.8
11.3
11.0
11.8
11.5
12.3
12.3
12.3
12.6
12.8

131.9
132.5
135.4
136.7
138.1
138.9r
142.7r
143.2r
145.3
149.0

53.3
53.8
54.1
53.9
54.2
53.2
55.6
56.4
56.2
58.3

and are characterized by detailed formal agreements specifying the terms and
conditions under which a loan is t o 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 to be made.
NOTE: Included in this series are 122 weekly reporting banks accounting
for approximately 8 5 percent of all commercial and industrial loans, and 95
percent of all nonbank financial loans. As of February 1981, several banks
accounting for less than !4 percent of unused commitments were dropped
from the reporting panel. Individual items may not add to totals due to
rounding.

Table 2
OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
Billions o f dollars, s e a s o n a l l y a d j u s t e d
Month-end

Total loans
made under
commitments1

total

T o c o m m e r c i a l a n d industrial f i r m s
formalized agreements
revolving 3
other4
term 2

confirmed
linesS

T o nonbank
financial
institutions

1980—April
May
June
July
August
September
October
November
December

141.3
136.5
135.2
136.1
138.5
141.0
142.8
146.6
150.8

120.3
117.1
116.0
116.7
119.5
121.4
123.4
127.4
130.5

44.0
43.8
43.6
43.8
45.0
45.3
45.9
46.7
47.3

34.7
32.9
32.1
32.1
32.9
33.6
35.2
36.8
39.3

11.5
11.5
11.4
11.9
11.6
11.5
11.4
11.6
12.0

30.1
28.9
28.9
28.9
30.0
31.0
30.9
32.3
31.9

21.0
19.4
19.2
19.3
19.0
19.6
19.4
19.2
20.3

1981—January
February
March
April
May
June
July
August
September
October

150.0
148.3
148.8
151.6
154.1
155.2
157.3r
162.ir
162.6r
160.3

129.2
128.0
128.7
130.6
133.9
134.4
137.Or
140.8r
141.6r
140.6

47.5
48.0
47.7
47.6
48.4
48. 8r
49.lr
49.2
49.7
49.7

38.5
37.1
37.8
38.8
40.6
41.2
42.0
44.2r
44.5
44.3

11.9
12.0
12.1
12.3
12.6
12.9r
13.8
13.5r
13.2r
13.2

31.3
30.9
31.1
31.9
32.3
31.5
32.1
33.9r
34.2
33.4

20.8
20.3
20.1
21.0
20.2
20.8
20.3
21.3
21.0
19.7

r-revised.
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 t o 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.
NOTE: Included in this series are 122 weekly reporting banks accounting
for approximately 8 5 percent of all commercial and industrial loans, and 95
percent of all nonbank financial loans. As of February 1981, several banks
accounting in total for about % percent of loans made under commitments
were dropped from the reporting panel. Individual items may not add to
totals due t o rounding.

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

Total unused
commitments 1

total

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

1980—April
May
June
July
August
September
October
November
December

274.4
280.0
279.8
284.6
287.2
286.8
289.5
292.1
294.1

223.2
227.3
227.8
230.6
233.6
233.3
236.3
238.1
241.3

14.9
13.3
15.1
14.8
14.9
15.0
14.4
14.8
14.7

1981—January
February
March
April
May
June
July
August
September
October

302.9
306.9
312.3
314.3
318.4
321.2r
340.Or
348.5r
353.4r
361.7

249.4
252.3
257.5
259.8
264.1
268.3r
285.Ir
292.5r
297.5
303.9

14.4
14.6
14.8
14.8
14.8
15. l r
16.4
16.5r
15.7
16.3

NOTE: See Table 1 for footnotes.




To nonbank
financial
institutions

confirmed
lines 5

79.1
83.3
82.9
84.2
86.3
85.3
86.4
87.6
86.3

9.9
9.7
8.8
9.0
9.7
9.8
10.5
10.4
10.9

119.3
121.0
121.0
122.6
122.7
123.2
124.9
125.3
129.3

90.4
93.1
95.9
97.2
99.7
103.2
113.7
119.4
124.4
127.7

11.4
11.8
11.6
11.6
11.5
11.1
11.6
12.4
12.6
12.7

133.1
132.9
135.3
136.2
138.1
138.8r
143.4r
144.2r
144.7
147.2

/

51.2
52.7
52.0
54.0
53.5
53.5
53.2
54.1
52.8
53.6
54.6
54.8
54.5
54.3
52.9
54.9
56.0
55.9
57.8

OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
Billions of dollars, not seasonally adjusted
To commercial and industrial firms
Total loans
formalized agreements
total
made under
Month-end
other4
revolving3
term 2
commitments]

1980—April
May
June
July
August
September
October
November
December

140.5
135.7
135.9
135.4
137.0
141.8
144.1
148.5
152.8

120.0
116.6
116.5
116.1
118.1
122.0
124.2
128.9
132.0

44.1
43.8
43.6
44.0
44.9
45.4
46.0
46.5
47.2

34.6
32.9
32.1
32.0
32.4
33.7
35.2
37.1
39.7

1981—January
February
March
April
May
June
July
August
September
October

149.0
147.0
148.4
150.9
153.2
155.9
156.6
160.3r
163.5
161.7

128.7
127.1
128.5
130.4
133.3
134.9
136.3
139.Or
142.3r
141.5

47.7
48.0
47.5
47.7
48.4
48.8r
49.4
49.Or
49.8
49.8

38.5
37.0
38.1
38.7
40.6
41.2
41.9
43.5r
44.6
44.3

NOTE: See Table 2 for footnotes.




11.6
11.5

11.6

11.4
11.3
11.4
11.5
11.9
12.3

12.0
11.8

12.1
12.4
12.7
13. l r
13.2
13. l r
13.3r
13.3

confirmed
linesB

To nonbank
financial
institutions

29.8
28.4
29.1
28.7
29.5
31.4
31.5
33.3
32.8

20.5
19.1
19.4
19.3
19.0
19.8
19.9
19.6
20.8

30.4
30.4
30.8
31.6
31.7
31.8
31.9
33.3r
34.6
34.0

20.3
19.9
19.9
20.5
19,9
21.0
20.3
21.3
21.2
20.2