Full text of G.21 Commercial and Industrial Loan Commitments at Selected Large Commercial Banks : February 10, 1987

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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
February 10, 1987
Total 1

term:

Formalized agreements
revolving 3

other*

Confirmed
lines 5

1985—May
June
July
August
September
October
November*
December**

371.9
377.2
373.5
375.0
376.7
386.7
382.9
387.0

16.3
17.4
16.9
16.9
18.8
18.3
17.2

202.5
206.6
206.1
207.5
208.8
215.1
216.3
222.6

9.5
9.8
9.2
8.9
9.3
9.5

143.6
143.3
141.3
141.6
139.8
143.8
140.6
138.0

1986—January
February
March
April
May
June
July
August
September
October
November***
December

386.9
383.9
380.3
378.8
376.6
375.7
369.8
369.7
369.6
374.9
379.6
385.6

18.1

224.1
222.7
220.8
220.2

7.8
7.1
7.3
7.8

8.1

17.5

219.2
215.4
214.9

17.8
18.3
18.9

219.4
224.0
227.5

136.9
136.3
134.2
133.7
132.5
130.8
129.5
129.8
126.7
130.1
128.7
131.0

18.2
17.8

18.0

17.0

16.8

17.3

16.8

18.8

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.




218.6

216.6

8.8
8.2

8.0
8.4

7.6
7.5
7.6
8.5
8.1

NOTE: Respondent banks number 112 down
from 113 i n November 1986. H i s t o r i c a l
d a t a have been r e v i s e d to m a i n t a i n
consistency.
I n d i v i d u a l items may not add t o t o t a l s due
t o 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 in term
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
$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 have not 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 revolving 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 not 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
$0.8 b i l l i o n i n o t h e r loans and t o t a l
l o a n s . H i s t o r i c a l data have not been
revised •

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

Total 1

term*

Formalized agreements
revolving 3

other 4

Confirmed
lines 5

1985—May
June
July
August
September
October
November*
December

170.2
169.8
171.2
171.7
171.6
169.9
169.1
168.7

49.5
49.4
50.2
50.7
51.4
50.2
49.9
49.9

74.8
74.4
75.3
75.9
75.5
75.4
74.8
75.2

9.0
9.2
9.0
9.3
9.0
9.4
8,8
9.1

37.0
36.9
36.7
35.8
35.6
34.9
35.6
34.5

1986—January
February
March
April
May
June
.July
August
September
October
November**
December

166.5
170.4
172.7
170.7
171.0
175.2
173.7
174.1
173.8
175.1
176.0
187.7

48.6
49.0
49.7
50.0
50.1
49.8
49.7
50.7
49.8
49.4
49.8
53.3

74.2
77.3
77.2
75.6
75.9
79.6
78.4
78.2
79.3
80.3
79.0
86.9

8.9
9.1
9.3
9.1
9.3
8.9
8.9
8.9
9.1
9.3
9.5
8.8

34.8
35.1
36.5
36.1
35.7
36.9
36.8
36.3
35.6
36.1
37.8
38.7

, 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: R e s p o n d e n t b a n k s number 112 down
f r o m 1 1 3 i n November 1 9 8 6 .
Historical
d a t a have been r e v i s e d to m a i n t a i n
consistency.
I n d i v i d u a l i t e m s may n o t a d d t o t o t a l s d u e
to rounding.
*A b r e a k i n t h e s e r i e s c a u s e d d e c l i n e s of $ 1 . 5
b i l l i o n i n t o t a l l o a n s , <5.6 b i l l i o n i n t e r m
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 in confirmed l i n e s .
H i s t o r i c a l data
have not been r e v i s e d .
* * A b r e a k i n s e r i e s c a u s e d i n c r e a s e s of
$0.5 b i l l i o n i n o t h e r l o a n s and t o t a l
l o a n s . H i s t o r i c a l d a t a have n o t been
revised.

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

Total 1

term 2

Formalized agreements
revolving 3

other 4

Confirmed
lines 5

1985—Hay
June
July
August
September
October
November*
December**

368.9
372.7
375.1
378.4
376.3
376.3
384.1
388.3

16.2
17.3
17.1
17.2
18.5
18.1
17.4
18.4

199.4
204.1
207.5
211.3
210.3
216.8
217.8
223.1

9.4
9.0
8.6
8.8
9.1
9.4
8.8
8.2

143.9
142.3
141.9
141.2
138.4
142.1
140.0
138.6

1986—January
February
March
April
May
June
July
August
September
October
November***
December

388.8
384.8
379.4
3)6.5
372.8
371.3
371.5
373.4
369.3
374.9
380.8
386.9

18.0
17.7
18.1
16.9
16.7
17.1
17.0
17.7
18.5
17.7
18.6
19.1

224.6
222.1
219.0
217.8
215.3
216.6
216.9
218.8
218.1
221.2
225.6
228.0

8.1
7.5
7.3
8.0
8.0
7.7
7.6
7.5
7.3
7.5
8.6
8.2

138.1
137.5
135.0
133.9
132.8
129.9
130.0
129.4
125.4
128.6
128.2
131.6

NOTE: See Table 1 for foetnctes.
*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 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

**A break 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 d e c r e a s e 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 not 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
$0.8 b i l l i o n i n o t h e r l o a n s and t o t a l
l o a n s . H i s t o r i c a l data have not been
revised.




Table 4
OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS

Billions of dollars, not seasonally adjusted
Month-end

Total1

term*

Formalized agreements
revolving*

other*

Confirmed
lines5

1985—May
June
July
August
September
October
November*
December

169 . 5
169 . 3
168 .8
168 .9
172 . 5
169 .9
170 .4
172,.4

49 . 5
49 .3
50 • 3
50,.5
51 .5
50,A
49,.8
50,.1

74 .4
73 .8
73 . 3
73,.3
74,.9
74,,4
75,.4
78,.1

9.1
9,.4
9,. 1
9<,2
9,.0
9.,2
8,.6
9.,1

36 . 4
36 .7
36 . 1
35 .9
37 . 1
35,,9
36,,6
35,,0

1986—January
February
March
April
May
June
July
August
September
October
November**
December

167 .7
169,J
172,.8
170,,8
170,• 3
174.,6
171,>2
171. 2
174.,8
175. 1
177. 4
191. 9

48,>6
48.,9
49.,5
50.,1
50.>1
49. 7
49. 8
50. 4
49. 9
49. 5
49. 6
53. 5

76,,5
77.,6
77.,9
75. 9
75.,5
79. 0
76. 2
75. 5
78. 7
79. 3
79. 6
90. 3

8.,9
9. 0
9. 2
9. 1
9. 5
9. 1
9. 0
8. 8
9. 1
9. 1
9. 3
8. 9

33,J
34. 2
36,,1
35. 7
35.,2
36. 7
36. 1
36. 4
37. 1
37. 1
38. 8
39. 2

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 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

** A break i n s e r i e s caused i n c r e a s e s of
$0.5 b i l l i o n i n o t h e r l o a n s and t o t a l
l o a n s . H i s t o r i c a l d a t a have not been
revised.