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 6, 2009
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G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 2008                                             February 6, 2009

Consumer credit decreased at an annual rate of 3 percent in the fourth quarter. Revolving credit decreased at an annual rate of 
5-1/2 percent, and nonrevolving credit decreased at an annual rate of 1-3/4 percent. In December, consumer credit decreased at an 
annual rate of 3 percent.

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
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                                                                         2007                            2008
                                                                        _______ _______________________________________________________

                                 2004    2005    2006    2007   2008 p    Q4     Q1 r    Q2 r    Q3 r    Q4 p    Oct r   Nov r   Dec p
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Percent change at annual rate 2
  Total                            5.5     4.3     4.5     5.5     1.7     4.1     4.8     3.9     1.2    -3.1    -1.0    -5.1    -3.1
   Revolving                       3.8     3.1     6.1     7.4     2.6     7.7     7.6     3.5     4.5    -5.4     0.1    -8.5    -7.8
   Nonrevolving 3                  6.4     4.9     3.6     4.4     1.2     2.0     3.1     4.2    -0.7    -1.7    -1.6    -3.1    -0.2

Amount: billions of dollars
  Total                         2191.6  2285.2  2387.7  2519.0  2562.3  2519.0  2549.0  2574.1  2582.1  2562.3  2579.9  2568.9  2562.3
   Revolving                     799.8   824.5   874.6   939.5   963.5   939.5   957.3   965.8   976.7   963.5   976.8   969.9   963.5
   Nonrevolving 3               1391.8  1460.7  1513.1  1579.5  1598.7  1579.5  1591.7  1608.3  1605.4  1598.7  1603.2  1599.0  1598.7
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TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
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                 6.60    7.08    7.72    7.77    7.02    7.59    7.27    6.84    6.92    7.05     n.a.   7.05     n.a.
   24-mo. personal               11.89   12.05   12.41   12.39   11.35   12.16   11.43   11.14   11.48   11.33     n.a.  11.33     n.a.
        Credit card plan
    All accounts                 12.72   12.51   13.21   13.38   12.07   13.08   12.46   11.87   11.93   12.02     n.a.  12.02     n.a.
    Accounts assessed interest   13.22   14.55   14.73   14.67   13.57   14.34   13.77   13.51   13.64   13.36     n.a.  13.36     n.a.

New car loans at auto finance companies
  Interest rates                  4.92    6.02    4.99    4.87    5.52    4.55    4.85    5.28    4.87    7.09    6.41    6.43    8.42
  Maturity (months)               60.7    60.0    63.0    62.0    63.4    62.9    62.6    63.5    65.4    62.3    63.9    63.2    59.8
  Loan-to-value ratio               89      88      94      95      91      95      94      93      89      86      86      88      85
  Amount financed (dollars)     24,888  24,133  26,620  28,287  26,178  29,512  28,174  25,493  26,643  24,400  25,391  25,041  22,769

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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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                                                                               2007                            2008
                                                                              _______ _______________________________________________________

                                       2004    2005    2006    2007   2008 p    Q4     Q1 r    Q2 r    Q3 r    Q4 p    Oct r   Nov r   Dec p
---------------------------------------------------------------------------------------------------------------------------------------------

Total                                 2219.4  2313.9  2418.3  2551.9  2596.0  2551.9  2529.8  2555.9  2590.9  2596.0  2585.3  2582.6  2596.0

Major holders
Total                                 2219.4  2313.9  2418.3  2551.9  2596.0  2551.9  2529.8  2555.9  2590.9  2596.0  2585.3  2582.6  2596.0
Commercial banks                       704.3   707.0   741.2   804.1   872.4   804.1   796.3   813.0   844.1   872.4   848.6   859.1   872.4
Finance companies                      492.3   516.5   534.4   584.1   586.5   584.1   580.7   581.8   596.3   586.5   591.9   588.8   586.5
Credit unions                          215.4   228.6   234.5   235.7   237.6   235.7   230.1   231.1   236.9   237.6   237.5   238.1   237.6
Federal government and Sallie Mae       86.1    89.8    91.7    98.4   109.9    98.4   103.5   104.6   106.9   109.9   108.4   109.2   109.9
Savings institutions                    91.3   109.1    95.5    90.8    77.8    90.8    87.5    90.0    77.8    77.8    78.7    76.9    77.8
Nonfinancial business                   58.6    58.8    56.8    55.2    55.4    55.2    51.2    51.3    51.9    55.4    51.9    52.7    55.4
Pools of securitized assets 5          571.5   604.0   664.2   683.7   656.4   683.7   680.4   684.1   677.0   656.4   668.2   657.7   656.4

Major types of credit
Revolving                              823.7   850.0   902.3   969.6   994.4   969.6   943.2   959.4   975.8   994.4   974.7   978.8   994.4
   Commercial banks                    314.6   311.2   327.3   353.4   383.9   353.4   322.5   328.9   356.3   383.9   363.3   372.4   383.9
   Finance companies                    50.4    66.3    79.9    86.0    83.2    86.0    82.1    84.0    83.3    83.2    82.1    81.7    83.2
   Credit unions                        23.2    24.7    27.4    31.1    33.3    31.1    30.3    31.3    32.1    33.3    32.1    32.4    33.3
   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                 27.9    40.8    42.5    44.8    38.4    44.8    42.8    45.9    36.1    38.4    36.9    37.6    38.4
   Nonfinancial business                12.4    11.6     7.8     4.2     4.2     4.2     3.6     3.7     3.8     4.2     3.8     4.0     4.2
   Pools of securitized assets 5       395.2   395.4   417.5   450.0   451.4   450.0   462.0   465.6   464.1   451.4   456.5   450.8   451.4

Nonrevolving                          1395.7  1463.9  1515.9  1582.3  1601.6  1582.3  1586.6  1596.5  1615.1  1601.6  1610.6  1603.8  1601.6
   Commercial banks                    389.6   395.8   413.9   450.7   488.6   450.7   473.9   484.1   487.8   488.6   485.4   486.7   488.6
   Finance companies                   442.0   450.2   454.5   498.0   503.3   498.0   498.7   497.7   512.9   503.3   509.8   507.2   503.3
   Credit unions                       192.1   203.9   207.1   204.6   204.3   204.6   199.9   199.8   204.8   204.3   205.5   205.7   204.3
   Federal government and Sallie Mae    86.1    89.8    91.7    98.4   109.9    98.4   103.5   104.6   106.9   109.9   108.4   109.2   109.9
   Savings institutions                 63.4    68.3    53.1    46.0    39.4    46.0    44.7    44.1    41.7    39.4    41.8    39.3    39.4
   Nonfinancial business                46.2    47.2    49.0    50.9    51.1    50.9    47.6    47.6    48.1    51.1    48.1    48.8    51.1
   Pools of securitized assets 5       176.3   208.6   246.7   233.6   205.0   233.6   218.4   218.5   212.9   205.0   211.7   206.9   205.0

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.
Percent changes are adjusted to exclude the effect of such breaks. In addition percent changes are at a simple annual rate and are
calculated from unrounded data.
3. 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.
4. 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.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets
of the loan originators.
r=revised.  p=preliminary.
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