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FEDERAL

RESERVE

statistical

release

mil

LOAN COMMITMENTS AT SELECTED LARGE COMMERCIALimmediate r e l e a s e
BANKS
.. .
For

t.21

Table 1

UNUSED COMMITMENTS

September 15, 1975

IN BILLIONS OF DOLLARS
T o commercial

Month-end

Total
unused
commitments

1

Total
Te r m

2

To n o n b a n k
financial
institutions

For real
estate
loans

5.9
5.7
5.4

6.3
6.2

6.1

30.4
31.0
31.2

4.3
4.5
4.3

68.3
70.3
70.6

31.1
31.4
30.3

5.1
5.1

6.0

32.3

4.3

71.8

30.5

4.9

June

109.3
111.9
112.3

July

149.8

114.4

6.1

6.0

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 ;n the f o r m of
a f o r m a l l y executed agreement signed by one of the bank's officers.
^ C o m m i t m e n t s for term loans are those for loans w i t h an original maturity of more than 1 year.
^Revolving credits are c o m m i t m e n t agreements whereby the borrower may draw and repay
loans at will mtr no repayment penalty and under which the c o m m i t m e n t rebounds by an equal
amount after a t5Kecown nas been repaid.
4

Confirmed
lines 5

29.6
31.0
30.7

145.7
148.4
147.7

O t h e r commitments are expressions of willingness to lend, other than for term loans and re-

 R e v i s e d .
r 

Other

4

66.5
66.4
66.9

6.2

May

Revolving

3

4.4
4.2

105.0
105.6
106.5

April

i n d u s t r i a l firms

27.9
28.7
29.3

140.5
142.3
142.6

1975--January
February
March

and

Formalized agreements

5.3

volving credits, that are made k n c w n to the customer and are characterized by detailed formal
agreements specifying the terms arc zee :
jr-der wmch a loan < to be made.
s
^Confirmed lines of credit represent genera; expressions of willingness to lend, other than for
term loans or revolving credits, that are mace known to the customer but are not characterized by
detailed formal agreements specifying me terms and conditions under which a loan s to be made.
NOTE. - I n c l u d e d in this series are 138 weekly reporting banks, these banks account "or
approximately 85 per cent of commercial and industrial loans. 95 per cent of n o n p a r * financal
loans, and 75 per cent of real estate loans of all weekly reporting banks. :nd;v due: :e~s may not
add to totals due to rouncing.

Table 2

G.21

OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS
IN B I L L I O N S OF D O L L A R S
To c o m m e r c i a l a n d i n d u s ' n a i f i r m s
Month-end

Formalized agreements

Total loans
made under
commitments

1

Term/

Revolving

3

28.8

136.9
135.0
133.4

93.8
91.5
90.2

27.0
26.9

89.4
86.5

June

132.2
128.9
130.2

86.6

27.3
26.9
27.0

27,9
26.7
26.7

July

128.2

85.2

27.5

26.3

197 5 - - J a n u a r y
February
March
A p r i l
May

To n o n b a n k

Total

26.6

27.7

28.0

Other4

6.6
6.5

Confirmed
11 n o c; 5

Real

financial
institutions

estate
loans

20.8

31.5
30.5
29.5

22.4

5.8
5.8

6.0

28.2
27.1
27.1

22.1
21.9
22.9

20.7
20.5
20.5

5.5

26.0

22.1

20.9

6 , 1

22.6
22.8

20.8
20.4

#
1
Loans made under commitments are a': outstanding loans, less repayments of p r i n c o a L mace
under c o m m i t m e n t s currently or previously in force.

2Term loans are loans w i t h an original m a r u n t y o- more rhan 1 year.
3Loans made under r<». , t r ^
%
' u
draw down and repay IOdnr • /.
witr
' -;a/ment
rebounds hy an eouat amoun" .rter g takedown nas nepn

t »ients whereby the borrower mav
n a l t , and under which the c o m m i t m e n t

,r
1
4Loans made unuzv >mitr
r e .od"'
under expression-; of wiilinqness to
lend, other than to c " 'o - * 3. i r c 'o v, i c v d i t s that are made known to the customer and are
r e \ i I" ' *or
character : - d h\
- s' T i T v i g
e ^ - r d conditions under w h i c h a loan



s w be made.
5Loans made under confirmed hr-es of credit are -Odns mude under genera! expressions of
ngness to -• nd, other than for term Ioa^s or
•-•g cred'ts, that are made k n o w n to the customer but are not characterized by detailed ' c — = - ; ' f e ^ - e n : s specifying the terms and conditions
unoer which a loan is to be made.
N O T E . - i n c l u d e d in this series are 138 weekly report, ng banks; these banks account
a:
p r o 3 1 £ • 55 cer cent of all commercial and industrial loans. 95 per cent of all nonoank iudns
cent of all real estate loans of all weekly reporting hanks. M d i v d u a i : e - s —a,
not a-T. t :
to rounding.

1


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102