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__ »••• F E D E R A L RESERVE tatistical release LOAN COMMITMENTS AT SELECTED LARGE COMMERCIAL BANKS G.21 Table 1 UNUSED COMMITMENTS (N BILLIONS OF DOLLARS September 17, 1976 To commercial and industrial firms Month-end 1975—July August September October November December 1976—January February March April May June July Total unused commitments1 Formalized agreements Total Term 2 Revolving 3 Other4 Confirmed lines5 To nonbank financial institutions For real estate loans 149.8 152.8 152.0 153.4 153.1 155.7 114.4 116.8 116.5 117.0 117.2 119.4 6.0 6.2 6.3 6.5 6.4 6.2 32.3 32.9 33.4 33.8 34.5 35.3 4.3 4.7 4.8 5.0 4.8 4.9 71.8 73.0 72.0 71. 7 71.5 72.9 30.5 31.0 30.6 31.8 31.3 31.7 4.9 5.0 4.9 4.6 4.5 4.6 157.2 156.5 158.4 158.0 158.5 rl58.7 156.7 120.9 120.4 121.4 121.0 121.0 rl21.8 119.7 6.2 6.1 6.2 6.0 6.0 6.2 6.1 34.8 34.5 35.2 35.2 34.6 r35. 2 34.5 5.1 5.0 5.1 5.0 5.2 4.7 4.6 74.8 74.8 74.9 74.8 75.1 75.8 74.5 31.8 31.6 32.1 32.3 32.6 31.9 32.0 4.5 4.5 4.9 4.7 4.9 r5.0 5.0 1 Unused commitments are the 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. volving 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. ^Commitments for term loans are those for loans with an original maturity of more than 1 year. ^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. ^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. NOTE.—Included in this series are 136 weekly reporting banks; these banks account for approximately 85 per cent of commercial and industrial loans, 95 per cent of nonbank financial loans, and 75 per cent of real estate-loans of all weekly reporting banks. Individual items may not add to totals due to rounding. ^Other commitments are expressions of willingness to lend, other than for term loans and re- http://fraser.stlouisfed.org/ r - revised Federal Reserve Bank of St. Louis G.21 Table 2 OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS IN BILLIONS OF DOLLARS To commercial and industrial firms Month-end Total loans made under commitments1 1975—July August September October November December 128.4 125.6 127.5 125.8 126.1 124.8 1976—January February March April May June July 122.4 121.6 119.7 118.2 118.3 rll8.1 115.7 Formalized agreements Total Term 2 Other 4 85.2 83.1 85.0 84.4 84.7 84.1 27.5 27.3 27.6 27.9 28.1 28. 5 26.3 25.3 25.9 25.1 24.7 23.9 5.5 5.2 5.4 5.4 5. 6 5.6 26.0 82.0 29.0 81.0 28.8 23.4 22.9 79.4 78.5 78.6 r78. 6 77.0 28.4 5.7 5.5 5.7 5.6 5.6 r5,9 5.3 23.9 23.8 23.4 28.2 28.0 r27.9 27.9 1 Loans made under commitments are all outstanding loans, less, repayments of principal, made under commitments currently or previously in force. 2Term loans are loans with an original maturity of more than 1 year. 3Loans 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. 4Loans 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 Digitized characterized for FRASER by detailed formal agreements specifying the terms and conditions under which a loan Revolving 3 Confirmed lines 5 22.0 22,0 21.8 21.9 21.0 25.2 26.2 26.0 26.2 26.1 22.8 23.2 23.0 22.7 To nonbank financial institutions 22.1 21.5 21.3 19.9 20.3 20.0 Real estate loans 21.1 21.0 21.2 21.6 21.1 20.7 19.2 19.6 21.1 18.8 18.1 18.0 21.5 21.5 17.8 17.2 21.0 21.8 21.8 21.5 is to be made. 5Loans 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.—Included in this series are 136 weekly reporting banks; these banks account for approximately 85 per cent of all commercial and industrial loans, 95 per cent of all nonbank financial loans, and 75 per cent of all real estate loans of all weekly reporting banks. Individual items may not add to totals due to rounding. # /#&. • FEDERAL • RESERVE statistical release LOAN COMMITMENTS AT SELECTED LARGE COMMERCIAL BANKS Table 1 G.21 UNUSED COMMITMENTS REVISED COPY IN BILLIONS OF DOLLARS To commercial and industrial firms Month-end Total unused commitments 1 Formalized agreements Total Term^ Revolving 3 Other 4 Confirmed lines 5 To nonbank financial institutions For real estate loans 1975—August September October N ovember • December 152.8 rl51.7 rl53.1 rl52.8 rl55.4 116.8 rll6.3 rll6.7 rll7.0 rll9.1 6.2 6.3 6.5 6.4 . 6.2 32.9 33.4 r33.7 34.5 35.3 4.7 4.8 5.0 4.8 4.9 73.0 r71.8 r71. 5 r71.3 r72.7 31.0 30.5 31.8 31.3 31.7 5.0 4.9 4.6 4.5 4.6 1976—January February March April May June July August 156.9 rl56.2 rl58.1 rl57.6 158.1 r158.3 rl56.3 160.0 rl20.6 rl20.1 rl21.1 rl20.7 rl20.7 rl21.5 rll9.4 122.4 6.2 6.1 6.2 6.0 6.0 6.2 6.1 6.3 r34.7 34.5 r35.1 r35.1 34.6 r35.1 34.5 35.4 5.1 5.0 5.1 5.0 5.2 4.7 4.6 4.8 r74.6 r74. 6 r74.7 r74.6 r 7 4.9 r75.5 r74.3 75.9 31.8 31.6 32.1 32.3 32.6 31.9 32.0 32.6 4.5 4.5 4.9 4.7 4.9 5.0 5.0 5.0 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. ^Commitments for term loans are those for loans with an original maturity of more than 1 year. ^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. *Other commitments are expressions of willingness to lend, other than for term loans and re- r - revised volving 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. ^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. NOTE.—Included in this series are 135 weekly reporting banks; these banks account for approximately 85 per cent of commercial and industrial loans, 95 per cent of nonbank financial loans, and 75 per cent of real estate loans of all weekly reporting banks. Individual items may not add to totals due to rounding. NOTE: One bank has withdrawn from this survey making the total number of banks participating 135. Table 2 G.21 OUTSTANDING LOANS MADE UNDER COMMITMENTS AT SELECTED LARGE BANKS IN BILLIONS OF DOLLARS To c o m m e r c i a l a n d i n d u s t r i a l f i r m s Month-end Total loans made under commitments' Formalized agreements Total Term2 Revolving3 Other4 Confirmed lines5 To n o n b a n k financial institutions Real estate loans 21.0 125.6 83.1 27.3 25.3 5.2 25.2 21.5 September rl27.3 r84.8 27.6 r25.8 5.4 r26.1 21.3 21.2 October rl25.6 r84.2 r27.8 25.1 5.4 r25. 9 19.9 r21.5 N ovember rl25.8 r84.5 r28.0 24.7 5.6 r26.1 20.3 21.1 December i-124.6 r83.9 r28.4 23.9 5.6 r26.0 20.0 20.7 rl22.1 r81.8 r28.9 23.4 5.7 r23.8 19.2 21.1 r28.7 22.9 5.5 23.8 19.6 21.0 5.7 r23.3 18.8 r21.4 xll.l 18.1 21.5 1975—August 1976—January February rl21.3 r80.7 March rll9.4 r79.2 r28.3 r21.9 April rll7.8 r78. 3 r28.1 r21.9 5.6 May rll7.2 xll.l r27. 9 21.8 r5.7 r22.4 rl7.9 r21.7 June rll7.8 r78.4 r27.8 r21.8 r5. 9 r22. 9 17.8 r21.6 July rll5.3 r76. 8 5.3 22.7 rl7. 0 21.5 5.3 22.5 16.9 21.5 August 115.2 76.8 r27.8 27.7 1 Lows made under commitments are all outstanding loans, less repayments of principal, made under commitments currently m previously in force. Zferm loans are loans with an original maturity of more than 1 year. 3 Loans made under revoHin§ credrts are loans under agreements whereby the borrower may draw down and repay loans at w * wWi we rmmpmmn parartty and under which the commitment rebounds by an equal amount after a takwtomm has been repaid. ' 4 Loans made under ether commitments are loans made under expressions of willingness to lend, other than for term loans and revolving credits, that are meds kmwwn to the customer and are characterized by detailed formal agreements specifying the terms and conditions under which a loan 21.0 21.2 is to be made. 5Loans made under confirmed lines of credit are loans made under general expressions of willinyiess to lend, other than for term loans or revolving credits, that are made known to the customer but a n not characterized by detailed formal agreements specifying the terms and conditions under wrfiich a loan is to be made. MOTE.—Included in this series are 135 weekly reporting banks; these banks account for approximately 85 per cent of all commercial and industrial loans, 95 per cent of all nonbank financial loans, and 75 per cent of all real estate loans of all weekly reporting banks. Individual items may not add to totals due to rounding.
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