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FEDERAL RESERVE statistical release

fiffl

G.21 (423)

COMMERCIAL AND INDUSTRIAL LOAN COMMITMENTS
AT SELECTED LARGE COMMERCIAL BANKS
Table 1
UNUSED COMMITMENTS
Billions of dollars, seasonally adjusted
Month-end

F o r immediate r e l e a s e
December 8 , 1986
Total1

term2

Formalized agreements
revolving*
197.8

1985—March
April
May
June
July
Augus t
September
October
Novembe r *
December**

36 9.0
372.6
374.6
379 . 9
376.3
377.6
37 9 . 4
389.5
385.7
389.8r

15.8

16.4
17.5
17.0
17.0
18.9
18.4
17.3
18.3r

20 3 . 3
207.3
206.9
208.3
209.6
215.9
217.1
223.4r

1986—January
February
March
April
May
June
July
Augus t
September
October

389.8r
386.8r
383.3
381.7
37 8 . 8
378.6
372.8
372.6
372.5r
377 .5

18.3r
18 .Or

224.3r
223.0r

18.1

221.1

16.2

17.2
16.9
17.4
17.0
17.6
18.7
19.1

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 arid 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.




201.2

220.4
218.7
219.3
215.7
215.2
216.7 r
219.7

other4

8.8
8.9
9.5
9.8
9.2
8.9
9.3
9.5

8.8
8.2r
8.3
7.5
7.7
8.3
8.5
8.9
8.5

8.0

8.Or
7.6

Confirmed
lines5
146.5
146.3
145.4
145.2
143.2
143.4
141.6
145.7
142.5
140.0
139.0
138.3
136.4
135.8
134.7
133.0
131.6
131.9
129.1
131.1

NOTE: Due t o a m e r g e r , r e s p o n d e n t banks
number 1 1 4 , down f r o m 115 i n August 1986.
I n d i v i d u a l i t e m s may n o t add t o t o t a l s due
to rounding.
*A b r e a k i n 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 t e r m
l o a n s , $1.5 b i l l i o n i n r e v o l v i n g c r e d i t , and
$n.6 b i l l i o n i n c o n f i r m e d l i n e s .
Historical
d a t a have n o t been r e v i s e d .
* * A break i n s e r i e s caused i n c r e a s e s of $6.8
b i l l i o n i n t o t a l l o a n s , $0.9 b i l l i o n i n term
l o a n s , $ 6 . 1 b i l l i o n i n r e v o l v i n g c r e d i t , and
a decrease o f $ 0 . 1 b i l l i o n i n o t h e r l o a n s .
H i s t o r i c a l d a t a have n o t been r e v i s e d .

Table 2
OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
Billions of dollars, seasonally adjusted
Formalized agreements
Total1
Month-end
revolving3
term2

other4

Confirmed
lines5

1985—Ma r c h
April
Hay
June
July
Augus t
September
Oc tobe r
November*
Dec ^mbe r

171.0
170.6
171.7
171.3
172.6
17 3 . 2
173.1
171.4
170.5
170.2r

49.7
50.0
50.0
49.8
50.5
51.1
51.R
50.6
50.3
50.3r

74.3
73.8
75.3
74.9
75.8
76.4
76.0
75.9
75.3
75.7r

9.1
9.4
9.0
9.2
9.0
9.3
9.0
9.4
8.8
9.1

37.8
37.4
37.5
37.4
37.3
36.4
36.2
35.4
36.2
35.1

1986—January
February
March
April
May
June
July
Augus t
September
Oc tobe r

168.Or
172.lr
174.3
172.2
17 2.6
176.7
175.3
175.7
175.4r
177.1

49.Or
49.4r
50.1
50.3
50.5
50.1
50.0
51.0
50.2
51.1

74.7 r
77.8
77.7
76.0
76.4
80.1
78.8
78.7
79.9r
80.3

9.0
9.1
9.4
9.2
9.4
9.0
9.1
9.0
9.1
9.3

35.4
35.8
37.2
36.8
36.4
37.6
37.4
36.9
36.2r
36.4

1. Loans made under commitments are outstanding loans to commercial and industrial firms, 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 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. 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.




NOTE: Due t o a m e r g e r , r e s p o n d e n t banks
number 114, down f r o m 115 i n August 1986.
Individual items may not add to totals due
to rounding.
*A b r e a k i n t h e s e r i e s caused d e c l i n e s o f $1.5
b i l l i o n i n t o t a l l o a n s , 4.6 b i l l i o n i n term
l o a n s , $ . 5 b i l l i o n i n r e v o l v i n g c r e d i t , and $ . 2
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
have n o t been r e v i s e d .

1

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

Total1

term2

Formalized agreements
revolving3

other4

1985—Ma r c h
April
May
June
July
Augus t
September
Oc tobe r
November*
December**

368.4
370.6
371.7
375.4
377 .9
381.1
37 8 . 9
389.2
386.9
391.lr

15.9
16.1
16.3
17.4
17.2
17.3
18.6
18.2
17.5
18.5r

196.2
198.9
200.3
204.8
208.4
212.0
211.0
217.6
218.6
223.9r

8.9
9.1
9.4
9.0

1986—January
Feb rua r y
March
April
May
June
July
August
September
October

391.8r
387.8r
382.5
379.5
375.6
374.1
374.5
376.3
372.2r
377.5

18.2r
17.9r
18.2
17.1
16.8
17.2
17.2
17.9
18.4
19.0

224.8r
222.4r
219.3
218.0
215.4
216.7
217.2
219.0
218.2r
221.5

8.6

8.6
8.8
9.1
9.4

8.8
8.2r

8.0
7.7
8.4
8.4

8.1
8.0

7.9
7.9
7.5

NOTE: See Table 1 for footnotes.
*See Table 1 f o r b r e a k i n s e r i e s ,
break adjustments are e q u a l .

r

* * A b r e a k i n s e r i e s caused i n c r e a s e s of $ 6 . 9
b i l l i o n i n t o t a l l o a n s , $ 0 . 9 b i l l i o n i n term
l o a n s , $ 6 . 1 b i l l i o n i n r e v o l v i n g c r e d i t , and
a decrease of $ 0 . 1 b i l l i o n i n o t h e r l o a n s .
H i s t o r i c a l d a t a have n o t been r e v i s e d .

r

.

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 n o t s e a s o n a l l y a d j u s t e d




Confirmed
lines5
147.4
146.4
145.7
144.2
143.8
142.9
140.2
144.0
141.9
140.5
140.2
139.6
137.2
136.0
134.9
132.1
132.1
131.5
127.8
129.5

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

Total 1

term*

Formalized agreements
revolving^

other4

Confirmed
lines5

19 85—March
April
M$y
June
July
Angust
September
October
November*
December

171.1
170.6
171.0
170.7
170.2
170.3
174.0
171.3
171.9
173.9r

49.5
50.1
50.0
49.8
50.7
50.9
51.9
50.8
50.2
50.6r

75.0
74.1
74.9
74.3
73.7
73.8
75.4
74.9
75.9
78.6r

9.1
9.4
9.1
9.4
9.1
9.2
9.0
9.2
9. l r

37.5
37.0
36.9
37.2
36.6
36.4
37.7
36.4
37.2
35.6

1986—January
February
March
April
May
June
July

169.3r
171.3r
174.4
172.3
171.9
176.2
172.8
172.8
176.3r
177.0

49.lr
49.3r
49.9
50.4
50.5
50.1
50.2
50.8
50.3
51.2

77 .Or
78.1
78.4
76.3
76.0
79.5
76.7
76.0
79.2r
79.3

8.9
9.Or
9.3
9.2
9.5
9.2
9.1
8.9
9. l r
9.1

34.3
34.8
36.8
36.3
35.9
37.4
36.8
37.0
37.7
37.4

AURMS t

September
Oc tobe r

8.6

NOTE: See Table 2 for footnotes.
*See Table 2 f o r b r e a k I n s e r i e s .
break adjustments are 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 n o t s e a s o n a l l y a d j u s t e d