Full text of G.21 Commercial and Industrial Loan Commitments at Selected Large Commercial Banks : September 30, 1980

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FEDERAL RESERVE statistical release
For Immediate R e l e a s e
September 30, 1980 1

G.21 (423)

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

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

203.1
204.5
208.9
212.5
213.5
216.2
220.8
224.8
230.7
234.9

161.8
163.8
167.2
170.0
171.0
174.3
177.7
181.3
186.1
189.7

11.2
11.2
11.8
11.8
11.9
12.1
12.5
12.5
12.7
12.9

49.1
49.9
50.9
50.4
51.2
52.8
53.4
56.0
58.9
59.2

7.4
7.2
7.6
7.6
8.1
8.4
8.6
8.7
8.8
8.4

94.1
95.5
96.9
100.2
99.8
101.0
102.6
104.1
105.7
109.2

1980—January
February
March
April
May
June
July
August

239.1
248.4
261.9
276.6
283.4
284.9
289.1
290.1

193.5
203.5
215.0
226.4
231.3
233.1
235.1
236.8

12.8
13.7
16.5
16.9
15.6
15.7
15.8
15.5

61.0
65.6
72.0
79.7
85.0
86.2
87.2
88.4

8.7
9.1
9.3
9.9
9.5
10.2
9.9
10.1

111.0
115.1
117.2
119.9
121,2
121.1
122.2
122.8

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




confirmed
linesS

To nonbank
financial
institutions
;
f

:
.

41.3
40.7
41.7
42.5
42.5
41.9
43.1
43.5
44.6
45.2
45.6
44.9
47.2
50.2
52.1
51.8
54.0
53.3

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 expression 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 134 weekly reporting banks; these banks
account for approximately 85 percent of commercial and industrial loans,
and 95 percent of nonbapk financial loans. Individual items may not add to
totals due to rounding.

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

Total loans
made under
commitments 1

total

1979—March
April
Hay
June
July
August
September
October
November
December

119.9
122.4
123.5
125.6
127.3
130.9
132.0
133.0
132.3
137.1

102.4
104.2
105.6
107.2
109.1
111.9
114.0
114.6
113.9
118.2

38.8
39.0
39.5
39.7
40.2
40.8
41.3
41.8
42.6
43.4

26.5
27.3
27.5
28.1
28.4
29.2
30.0
30.5
30.8
33.6

1980—January
February
March
April
May
June
July
August

139.5
142.0
145.0
142.5
137.8
136.3
137.2
140.1

119.8
120.9
123.5
121.7
118.5
117.3
118.1
121.2

43.5
43.8
44.3
44.6
44.6
44.0
44.2
45.5

34.0
34.3
35.6
34.5
32.7
32.7
32.7
33.5

Month-end

To commercial and industrial firms
formalized agreements
term 2
revolvingS
other4

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
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




confirmed
linesG

To nonbank
financial
institutions

9.0
9.2
9.5
9.6
10.2
10.7
10.7
10.4
10.4
10.9

28.1
28.8
29.0
29.8
30.1
31.2
32.1
32.0
30.2
30.4

17.5
18.1
17.9
18.4
18.1
19.0
18.1
18.4
18.5
19.1

11.0
11.3
11.2
11.3
11.0
12.4
12.9
13.2

31.3
31.5
32.4
31.3
30.2
28.2
28.3
29.0

19.7
20.7
21.5
20.8
19.3
19.1
19.1
18.9

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: Included in this series are 134 weekly reporting banks; these banks
account for approximately 85 percent of all commercial and industrial loans,
and 95 percent of all nonbank financial loans. Individual items may not add
to totals due to rounding.

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

Total unused
commitments 1

1979—March
April
MayJune
July
August
September
October
November
December
19 80—J anuary
February
March
April
May
June
July
August

NOTE: See Table 1 for footnotes.




total

To commercial and industrial firms
formalized agreements
term 2
revolving3
other4

confirmed
linesS

To nonbank
financial
institutions

203.8
203*6
207.2
209.7
211.0
215.7
218.7
223.7
232.0
237.0

162.0
162.6
165.5
167.5
169.1
174.2
175.9
180.6
187.7
191.8

11.2
11.1
11.5
11.6
11.4
12.0 •
12.5
12.8
13.2
13.2

49.3
49.6
49.7
49.1
50.0
52.2
52.9
56.3
60.1
61.2

7.8
7.1
7.6
6.9
7.7
8.4
8.6
8.6
8.9
8.5

93.7
94.8
96.7
99.9
100.1
101.5
102.0
102.9
105.5
109.0

41.7
41.0
41.6
42.1
41.9
41.5
42.8
43.1
44.3
45.2

242.3
250.4
263.6
275.7
281.2
281.0
286.2
289.6

196.5
204.8
215.8
224.9
229.0
229.5
232.6
236.7

13.0
13.7
16.5
16.6
15.2
15.4
15.2
15.4

62.3
66.3
72.4
79.2
83.1
84.0
85.2
87.4

9.2
9.5
9.8
9,7
9.5
9.2
9.4
10.2

112.0
115.4
117.1
119.4
121.2
121.0
122.8
123.7

45.8
45.6
47.8
50.8
52.2
51.5
53.5
52.9

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

Total loans
made under
commitments 1

total

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

19 7 9—March
April
May
June
July
August
September
October
November
December

119.1
121.5
122.0
125.8
126.1
129.1
132.6
134.3
134.0
139.2

101.9
103.8
104.4
107.3
108.0
110.2
114.4
115.5
115.2
119.6

38.4
38.9
39.1
39.5
40.2
40.6
41.3
41.9
42.4
43.3

26.6
27.2
27.4
28.1
28.2
28.7
30.0
30.5
31.0
33.9

9.0
9.3
9.4
4.8
9.7
10.4
10.6
Id.5
10.7
11.2

27.9
28.5
28.4
29.9
29.8
30.6
32.5
32.6
31.1
31.3

1980—January
February
March
April
May
June
July
August

138.4
140.4
144.6
141.4
136.7
136.9
136.5
138.6

119.1
120.1
123.3
121.1
117.7
117.7
117.4
119.7

43.7
43.8
44.1
44.7
44.4
44.0
44.4
45.4

34.0
34.2
35.8
34.4
32.7
32.7
32.6
33.0

11.1
11.1
11.3
11.1
11.0
12.6
12.4
12.8

30.3
31.0
32.1
31.0
29.7
28.4
28.1
28.5

NOTE: See Table 2 for footnotes.




To nonbank
financial
institutions

confirmed
lines 5

j

17.2
17.7
17.6
18.6
18.1
19.0
18.2
18.8
18.9
19.5
19.3
20.2
21.3
20.3
19.0
19.3
19.1
18.9