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

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FEDERAL RESERVE statistical release
G.21 (423)

(11181)
''IfeP''
F o r Immediate R e l e a s e
J u l y 1980

LOAN COMMITMENTS AT SELECTED LARGE COMMERCIAL BANKS

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

Total unused
commitments 1

total

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

confirmed
linesS

To nonbank
financial
institutions

1978—December

192.8

153.2

10.4

44.8

7.2

90.4

39.6

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

196.4
199.6
202.8
204.7
208.8
212.3
213.5
214.9
220.1
224.1
231.3
233.4

155.6
158.4
161.5
163.9
167.1
170.2
171.1
174.1
176.9
181.1
186.6
188.1

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

47.0
47.8
49.1
49.9
50.9
50.4
51.2
52.8
53.4
56.0
58.9
59.1

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
107.5

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—January
February
March
April
May

236.6
246.6
259.0
273.7
284.1

191.0
201.5
212.2
223.8
232.2

12.6
13.4
16.0
16.5
15.6

60.8
65.1
70.9
78.4
85.2

8.7
9.1
9.3
12.6
Q.5

109.3
113.3
116.3
116.5
122.3

45.4
44.8
46.9
49.9
52,0

, 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 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 134 weekly reporting banks; these banks
account for approximately 8 5 percent of commercial and industrial loans,
and 9 5 percent of nonbank financial loans. Individual items may not add t o
totals due to 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

, T o commerciaFand industrial firms
formalized agreements
other4
revolving3
term 2

confirmed
lines 5

TonomW#
financial
institutions

1978—December

115.3

97.5

37.0

25.0

9.0

26.5

18.1

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

116.5
118.4
120.2
122.4
123.5
125.6
127.3
130.6
132.0
133.0
132.3
137.1

98.4
100.5
,102.8
104.2
105.6
107.2
109.1
111.6
114.0
114.6
113.9
118.2

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

1980—January
February
March
April
May

139.5
142,0
145.5
142.0
137.8

119.8
120.9
123.8
121.1
118,6

43.5
43.8
44.3
44.6
44.6

34.0
34.3
35.6
34.5
32.7

11.0
11.3
11.2
11.3
11.0

31.3
31.5
32 .4
31.0
30.2

19.7
20.7
21.5
20.8
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

18.1 ^
17.9 .
18.4 *
18.1
19.0
18.1
18.4
18.5
19,1

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 takedown has been repaid.
4. Loans made under other commitments are loans made under expres-

a loan is to 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,

sions 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

and 9 5 percent of all nonbank financial loans. Individual items may not add
t o totals due to rounding.




Fable 3
UINUSED COMMITMENTS
aMIions of dollars, not seasonally adjusted
I

Month-end

Total unused
commitments 1

total

i

!

To commercial and industrial firms
formalized agreements
term 2
other4

confirmed
linesS

To nonbank
financial
institutions

11978—December

193.7

154.2

10.6

46.2

7.3

90.0

39.5

11979—January
February
1
1
March
April
1
1
May
1
June
i
July
1
August
September
1
October
1
1
November
December
1

198.9
200.1
203.8
203.6
207.2
209.7
211.0
215.7
218.7
223.7
232.0
235.0

158.2
158.7
162.0
162.6
165.5
167.5
169.1
174.2
175.9
180.6
187.7
189.8

10.9
10.8
11.2
11.1
11.5
11.6
11.4
12.0
12.5
12.8
13.2
13.0

47.9
48.2
49.3
49.6
49.7
49.1
50.0
52.2
52.9
56.3
60.1
61.0

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
107.3

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

19 BO—January
1
February
1
March
1
April
I
May

240.1
247.8
260.8
272.9
282.4

194.4
202.3
213.3
222.5
230.3

12.8
13.4
16.0
16.2
15.2

62.1
65.8
71.3
77.9
83.3

9.2
9.5
9.8
12.4
9.5

110.3
113.6
116.2
116.0
122.3

45.7
45.5
47.5
50.4
52.1

NOTE See Table 1 for footnotes.




I

Table 4
OUTSTANDING LOANS M A D E W b E R COMMITMENTS AT SELECTED LARGE
Billions of dollars, not seasonally adjusted

confirmed
linesS

To nonbank
financial
institutions

9.2

27.2

18.4

25.2
25.9
26.6
27.2
27.4
28.1
28.2
28 .7
30.0
30.5
31.0
33.9

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

34.0
34.2
35.8
34,4
32.7

11.1
11.1
11.3
11.4
11.0

30.3
31.0
32.1
30.7
29.7

19.3
20.2
21.3
20.3
18.9

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

, Total loans
made under
commitments 1

total

1978—December

116.7

98.3

36.7

25.1

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

115.1
116.6
119.1
121.5
122.0
125.6
126.1
129.1
132.6
134.3
136,0
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

1980—January
February
March
Apri 1
May

138.4
140.4
144.7
141.4
136.7

119.1
120.1
123.3
121.1
117.8

43.7
43.8
44.1
44.7
44.4

1

Month-end

NOTE: See Table 2 for footnotes.




KS