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, 2006
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G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 2005                                             February 7, 2006

Consumer credit increased 3 percent in 2005.  In the fourth quarter, consumer credit was about unchanged, after increasing at an annual
rate of 5-1/4 percent in the third quarter.  In December, consumer credit rose at nearly a 2 percent pace.

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
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                                                                         2004                            2005
                                                                        _______ _______________________________________________________

                                 2001    2002    2003    2004   2005 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                            7.7     4.7     4.6     4.4     3.0     4.3     2.7     4.4     5.3    -0.6    -4.0     0.3     1.9
   Revolving                       5.6     2.7     2.7     3.8     2.6     1.9    -0.3     4.6     6.6    -0.5    -1.5     1.3    -1.4
   Nonrevolving 4                  9.1     6.0     5.7     4.8     3.2     5.7     4.6     4.2     4.5    -0.6    -5.5    -0.3     3.8

Amount: billions of dollars
  Total                         1835.6  1921.9  2009.9  2099.0  2161.5  2099.0  2113.4  2136.4  2164.8  2161.5  2157.6  2158.2  2161.5
   Revolving                     713.3   732.7   752.8   781.1   801.3   781.1   780.4   789.3   802.4   801.3   801.4   802.3   801.3
   Nonrevolving 4               1122.2  1189.2  1257.1  1317.9  1360.2  1317.9  1333.0  1347.1  1362.4  1360.2  1356.2  1355.9  1360.2
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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                 8.50    7.62    6.93    6.60    7.08    6.71    6.86    6.93    7.08    7.46     n.a.   7.46     n.a.
   24-mo. personal               13.22   12.54   11.95   11.89   12.02   11.84   12.01   12.03   12.22   11.83     n.a.  11.83     n.a.
        Credit card plan
    All accounts                 14.87   13.40   12.30   12.71   12.50   12.50   12.21   12.76   12.48   12.57     n.a.  12.57     n.a.
    Accounts assessed interest   14.46   13.11   12.73   13.21   14.54   13.92   14.13   14.81   14.75   14.48     n.a.  14.48     n.a.

New car loans at auto finance companies
  Interest rates                  5.65    4.29    3.40    4.36    5.45    5.01    4.86    5.18    5.80    5.97    6.13    6.40    5.39
  Maturity (months)               55.1    56.8    61.4    60.5    60.1    61.3    59.3    59.5    60.2    61.2    61.4    60.6    61.7
  Loan-to-value ratio               91      94      95      89      88      84      86      88      88      89      90      88      88
  Amount financed (dollars)     22,822  24,747  26,295  24,888  24,131  24,376  24,116  23,477  24,575  24,356  24,209  24,174  24,686

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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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                                                                               2004                            2005
                                                                              _______ _______________________________________________________

                                       2001    2002    2003    2004   2005 p    Q4      Q1      Q2     Q3 r    Q4 p    Oct r   Nov r   Dec p
---------------------------------------------------------------------------------------------------------------------------------------------

Total                                 1862.0  1949.0  2037.5  2128.4  2191.7  2128.4  2103.5  2122.4  2166.2  2191.7  2162.4  2167.1  2191.7

Major holders
Total                                 1862.0  1949.0  2037.5  2128.4  2191.7  2128.4  2103.5  2122.4  2166.2  2191.7  2162.4  2167.1  2191.7
Commercial banks                       568.4   602.6   669.4   704.3   716.4   704.3   683.1   684.0   708.2   716.4   710.8   706.2   716.4
Finance companies                      238.1   237.8   295.4   366.8   357.7   366.8   360.9   355.6   362.0   357.7   363.7   363.3   357.7
Credit unions                          189.6   195.7   205.9   215.4   231.1   215.4   216.7   221.4   230.1   231.1   229.5   229.8   231.1
Federal government and Sallie Mae      119.5   129.6   114.7    98.4   102.1    98.4   100.6    98.6   103.9   102.1   104.0   102.8   102.1
Savings institutions                    71.1    68.7    77.9    91.3   102.9    91.3    90.8    94.0    99.4   102.9   100.6   101.7   102.9
Nonfinancial business                   75.6    77.5    63.3    64.7    63.7    64.7    60.9    61.1    63.1    63.7    60.1    60.1    63.7
Pools of securitized assets 6          599.7   637.1   611.0   587.6   617.9   587.6   590.5   607.8   599.5   617.9   593.8   603.3   617.9

Major types of credit 7
Revolving                              733.8   753.9   774.9   805.0   825.8   805.0   773.5   785.5   796.7   825.8   795.9   805.3   825.8
   Commercial banks                    234.9   246.4   285.0   314.6   320.3   314.6   288.0   293.7   300.6   320.3   303.4   308.8   320.3
   Finance companies                    31.5    38.9    37.6    40.5    48.8    40.5    41.6    44.5    46.2    48.8    47.2    48.2    48.8
   Credit unions                        22.3    22.2    22.4    23.2    24.8    23.2    22.3    22.8    23.3    24.8    23.4    23.8    24.8
   Federal government and Sallie Mae     n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.
   Savings institutions                 17.9    16.3    23.8    27.9    30.8    27.9    27.2    28.2    29.9    30.8    30.2    30.5    30.8
   Nonfinancial business                37.4    39.8    19.4    17.9    15.4    17.9    17.2    17.3    19.1    15.4    15.8    14.9    15.4
   Pools of securitized assets 6       389.7   390.3   386.7   380.8   385.7   380.8   377.2   379.0   377.7   385.7   375.9   379.1   385.7

Nonrevolving                          1128.2  1195.0  1262.6  1323.5  1365.9  1323.5  1330.0  1336.9  1369.4  1365.9  1366.4  1361.8  1365.9
   Commercial banks                    333.5   356.2   384.4   389.6   396.1   389.6   395.1   390.2   407.6   396.1   407.4   397.4   396.1
   Finance companies                   206.6   198.8   257.8   326.3   308.8   326.3   319.3   311.1   315.8   308.8   316.5   315.1   308.8
   Credit unions                       167.3   173.5   183.5   192.1   206.3   192.1   194.4   198.6   206.8   206.3   206.0   206.0   206.3
   Federal government and Sallie Mae   119.5   129.6   114.7    98.4   102.1    98.4   100.6    98.6   103.9   102.1   104.0   102.8   102.1
   Savings institutions                 53.2    52.4    54.0    63.4    72.1    63.4    63.6    65.8    69.5    72.1    70.4    71.2    72.1
   Nonfinancial business                38.2    37.7    44.0    46.8    48.3    46.8    43.7    43.8    44.0    48.3    44.2    45.2    48.3
   Pools of securitized assets 6       209.9   246.8   224.3   206.9   232.3   206.9   213.3   228.8   221.8   232.3   217.9   224.2   232.3

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 are at a simple annual rate and are calculated from unrounded data.
4. Includes automobile loans and all other loans not included in revolving credit, such as loans for mobile homes, education, boats,
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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