网易彩票老时时彩 Federal Reserve Statistical Release, G.19, Consumer Credit; title with eagle logo links to Statistical Release home page

Release Date: February 7, 2002
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G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 2001                                             February 7, 2002

Consumer credit declined at an annual rate of 3-3/4 percent in December after substantial increases in October and November.  Over the 
fourth quarter, as a whole, consumer credit increased at an annual rate of 6-1/2 percent, as a large rise in the nonrevolving category
more than offset a moderate decline in revolving credit.

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
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                                                                         2000                            2001
                                                                        _______ _______________________________________________________

                                 1997    1998    1999    2000   2001 p    Q4      Q1      Q2     Q3 r    Q4 p    Oct r   Nov r   Dec p
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Percent change at annual rate 2,3
  Total                            4.8     5.9     7.4    10.2     5.6    10.9    10.3     4.6     0.7     6.4     8.1    14.8    -3.7
   Revolving                       6.2     5.8     6.1    11.6     3.1     9.6    15.6     6.2    -5.2    -3.9    -7.1     9.7   -14.2
   Nonrevolving 4                  3.8     6.1     8.4     9.2     7.4    11.8     6.3     3.4     5.2    14.1    19.4    18.5     3.9

Amount: billions of dollars
  Total                         1242.0  1315.8  1413.6  1557.9  1645.1  1557.9  1597.9  1616.3  1619.1  1645.1  1630.1  1650.2  1645.1
   Revolving                     529.6   560.2   594.3   663.2   683.8   663.2   689.0   699.7   690.5   683.8   686.4   691.9   683.8
   Nonrevolving 4                712.4   755.6   819.2   894.8   961.3   894.8   908.9   916.6   928.6   961.3   943.6   958.2   961.3
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TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 5
Percent except as noted: not seasonally adjusted
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Institution, terms, and type of loan
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Commercial banks
     Interest rates
   48-mo. new car                 9.02    8.72    8.44    9.34    8.50    9.63    9.17    8.67    8.31    7.86     n.a.   7.86     n.a.
   24-mo. personal               13.90   13.74   13.39   13.90   13.22   14.12   13.71   13.28   13.25   12.62     n.a.  12.62     n.a.
        Credit card plan
    All accounts                 15.77   15.71   15.21   15.71   14.89   15.99   15.66   15.07   14.60   14.22     n.a.  14.22     n.a.
    Accounts assessed interest   15.57   15.59   14.81   14.91   14.44   15.23   14.61   14.63   14.64   13.88     n.a.  13.88     n.a.

New car loans at auto finance companies
  Interest Rates                  7.12    6.30    6.66    6.61    5.65    5.87    7.09    6.50    6.01    2.97    2.71    2.89    3.31
  Maturity (months)               54.1    52.1    52.7    54.9    55.1    56.7    55.1    56.8    57.4    51.1    53.7    51.0    48.6
  Loan-to-Value Ratio               92      92      92      92      91      92      90      91      92      92      94      92      91
  Amount financed (dollars)     18,077  19,083  19,880  20,923  22,822  22,126  21,813  21,969  22,775  24,729  24,443  24,934  24,812

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This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.



1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

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                                                                           2000                            2001
                                                                          _______ _______________________________________________________

                                   1997    1998    1999    2000   2001 p    Q4      Q1      Q2     Q3 r    Q4 p    Oct r   Nov r   Dec p
-----------------------------------------------------------------------------------------------------------------------------------------

Total                             1271.6  1346.6  1446.1  1593.1  1680.7  1593.1  1585.3  1608.1  1620.3  1680.7  1633.2  1658.4  1680.7

Major holders
Total                             1271.6  1346.6  1446.1  1593.1  1680.7  1593.1  1585.3  1608.1  1620.3  1680.7  1633.2  1658.4  1680.7
Commercial banks                   512.6   508.9   499.8   541.5   551.1   541.5   533.7   540.2   535.3   551.1   539.8   547.8   551.1
Finance companies                  167.5   183.3   201.5   219.8   233.7   219.8   212.8   214.3   220.9   233.7   224.1   238.7   233.7
Credit unions                      152.4   155.4   167.9   184.4   186.2   184.4   182.8   186.4   185.7   186.2   185.5   186.1   186.2
Savings institutions                47.2    51.6    61.5    64.6    66.7    64.6    65.5    65.3    69.1    66.7    68.3    67.5    66.7
Nonfinancial business               78.9    74.9    80.3    82.7    67.8    82.7    71.4    68.0    60.2    67.8    58.7    60.3    67.8
Pools of securitized assets 6      313.1   372.4   435.1   500.1   575.2   500.1   519.2   533.9   549.2   575.2   556.8   558.0   575.2

Major types of credit 7
Revolving                          554.2   586.2   621.9   693.0   713.8   693.0   682.0   693.7   686.3   713.8   683.0   694.1   713.8
   Commercial banks                219.8   210.3   189.4   218.1   220.7   218.1   209.5   213.0   203.1   220.7   208.6   217.1   220.7
   Finance companies                37.0    31.9    32.5    37.6    30.3    37.6    34.9    36.8    35.9    30.3    28.0    29.3    30.3
   Credit unions                    19.6    19.9    20.6    22.2    22.8    22.2    20.9    21.3    21.9    22.8    21.7    22.0    22.8
   Savings institutions             11.4    12.5    15.8    16.6    16.7    16.6    17.0    16.4    16.9    16.7    16.9    16.8    16.7
   Nonfinancial business            45.0    39.2    42.8    42.4    29.8    42.4    33.9    31.4    25.2    29.8    23.7    24.5    29.8
   Pools of securitized assets 6   221.5   272.3   320.8   356.1   393.5   356.1   365.8   374.8   383.2   393.5   384.2   384.4   393.5

Nonrevolving                       717.4   760.4   824.2   900.1   966.9   900.1   903.3   914.4   934.0   966.9   950.2   964.3   966.9
   Commercial banks                292.7   298.6   310.4   323.4   330.4   323.4   324.2   327.2   332.1   330.4   331.2   330.7   330.4
   Finance companies               130.5   151.4   169.1   182.2   203.4   182.2   177.8   177.4   185.0   203.4   196.1   209.5   203.4
   Credit unions                   132.8   135.5   147.3   162.2   163.4   162.2   161.9   165.1   163.9   163.4   163.9   164.0   163.4
   Savings institutions             35.7    39.2    45.7    48.0    49.9    48.0    48.5    49.0    52.1    49.9    51.4    50.7    49.9
   Nonfinancial business            34.0    35.7    37.5    40.2    38.0    40.2    37.5    36.6    35.0    38.0    35.0    35.8    38.0
   Pools of securitized assets 6    91.6   100.1   114.2   144.0   181.7   144.0   153.4   159.1   165.9   181.7   172.6   173.6   181.7

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. The series for consumer credit outstanding and its components may contain breaks that result from discontinuities in source data.
Growth rates are adjusted to exclude the effect of such breaks.
3. Percent changes calculated from unrounded data.
4. Comprises automobile loans and all other loans not included in revolving credit, such as loans for mobile homes, trailers, or
vacations. These loans may be secured or unsecured.
5. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
6. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
7. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.
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Current release  Other formats: Screen reader | ASCII | PDF (17KB)
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Last update: February 7, 2002
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