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: June 7, 2010
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G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                             April 2010                                                   June 7, 2010

Consumer credit increased at an annual rate of 1/2 percent in April 2010.  Revolving credit decreased at an annual rate of 12 percent, 
and nonrevolving credit increased at an annual rate of 7 percent.


CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
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                                                                                     2009                            2010
                                                                        _______________________________ _______________________________

                                 2005    2006    2007    2008    2009     Q1      Q2      Q3     Q4 r    Q1 r    Feb r   Mar r   Apr p
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Percent change at annual rate 2
  Total                            4.5     4.1     5.7     1.5    -4.4    -3.9    -4.8    -3.1    -6.1    -1.6    -3.8    -2.7     0.5
   Revolving                       3.8     5.0     8.1     1.6    -9.6    -9.6    -9.7    -7.3   -13.3    -9.0   -12.1    -5.3   -12.0
   Nonrevolving 3                  4.9     3.6     4.4     1.5    -1.3    -0.5    -1.9    -0.6    -2.1     2.5     0.7    -1.2     7.1

Amount: billions of dollars
  Total                         2291.7  2385.7  2522.8  2561.1  2448.8  2536.3  2506.1  2486.9  2448.8  2439.0  2444.4  2439.0  2440.0
   Revolving                     830.5   872.2   942.9   958.1   866.0   935.1   912.6   895.9   866.0   846.5   850.2   846.5   838.0
   Nonrevolving 3               1461.2  1513.5  1579.9  1602.9  1582.8  1601.1  1593.5  1591.0  1582.8  1592.5  1594.2  1592.5  1602.0
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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                 7.07    7.72    7.77    7.02    6.72    6.92    6.79    6.61    6.55    6.45    6.45     n.a.    n.a.
   24-mo. personal               12.06   12.41   12.38   11.37   11.10   11.05   11.25   10.89   11.20   10.83   10.83     n.a.    n.a.
        Credit card plan
    All accounts                 12.51   13.21   13.30   12.08   13.40   12.97   13.32   13.71   13.60   14.26   14.26     n.a.    n.a.
    Accounts assessed interest   14.55   14.73   14.68   13.57   14.31   13.54   14.43   14.90   14.37   14.67   14.67     n.a.    n.a.

New car loans at auto finance companies
  Interest rates                  6.02    4.99    4.87    5.52    3.82    4.71    3.45    3.66    3.47    4.31    4.72    4.28    4.13
  Maturity (months)               60.0    63.0    62.0    63.4    62.0    59.3    62.1    62.7    63.9    62.9    62.5    62.8    62.8
  Loan-to-value ratio               88      94      95      91      90      87      92      90      92      89      89      88      88
  Amount financed (dollars)     24,133  26,620  28,287  26,178  28,272  25,518  28,577  27,884  31,109  28,444  28,040  27,912  27,797

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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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                                                                                         2009                            2010
                                                                            _______________________________ _______________________________

                                     2005    2006    2007    2008    2009     Q1      Q2      Q3     Q4 r    Q1 r    Feb r   Mar r   Apr p
-------------------------------------------------------------------------------------------------------------------------------------------

Total                               2320.6  2416.0  2555.3  2594.1  2478.9  2517.9  2487.9  2496.7  2478.9  2421.8  2441.8  2421.8  2423.0

Major holders
Total                               2320.6  2416.0  2555.3  2594.1  2478.9  2517.9  2487.9  2496.7  2478.9  2421.8  2441.8  2421.8  2423.0
Commercial banks                     707.0   741.2   804.1   878.6   855.3   850.7   837.8   832.7   855.3  1163.2   830.3  1163.2  1157.4
Finance companies                    516.5   534.4   584.1   575.8   487.8   546.8   526.5   520.7   487.8   536.9   504.7   536.9   538.8
Credit unions                        228.6   234.5   235.7   236.2   237.2   233.3   234.7   240.3   237.2   228.0   230.3   228.0   228.7
Federal government 5                  89.8    91.7    98.4   111.0   186.0   122.7   135.4   157.8   186.0   209.8   204.5   209.8   211.5
Savings institutions                 109.1    95.5    90.8    86.3    77.5    80.0    75.9    78.1    77.5    78.0    75.2    78.0    76.7
Nonfinancial business                 59.6    57.6    58.6    59.8    57.2    55.0    53.8    53.0    57.2    53.5    53.8    53.5    53.7
Pools of securitized assets 6,7      609.9   661.1   683.7   646.4   577.9   629.3   623.8   614.1   577.9   152.3   543.2   152.3   156.2

Major types of credit
Revolving                            856.7   900.2   973.2   989.1   894.0   923.3   905.2   893.5   894.0   835.7   849.3   835.7   829.4
   Commercial banks                  311.2   327.3   353.4   390.6   362.4   355.6   343.7   338.0   362.4   636.7   329.0   636.7   630.7
   Finance companies                  66.3    79.9    86.0    74.4    46.4    52.0    50.0    47.3    46.4    65.9    43.5    65.9    66.0
   Credit unions                      24.7    27.4    31.1    33.4    35.4    32.2    33.5    34.2    35.4    34.3    34.4    34.3    34.4
   Federal government 5                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               40.8    42.5    44.8    39.6    38.1    35.9    33.9    36.3    38.1    41.0    37.3    41.0    40.5
   Nonfinancial business              12.4     8.7     7.9     8.7     8.8     8.2     8.3     8.3     8.8     8.2     8.4     8.2     8.2
   Pools of securitized assets 6,7   401.4   414.4   450.0   442.4   402.8   439.4   436.0   429.3   402.8    49.7   396.9    49.7    49.6

Nonrevolving                        1463.9  1515.8  1582.1  1605.1  1584.9  1594.7  1582.7  1603.2  1584.9  1586.1  1592.4  1586.1  1593.6
   Commercial banks                  395.8   413.9   450.7   488.1   492.9   495.1   494.1   494.7   492.9   526.6   501.3   526.6   526.7
   Finance companies                 450.2   454.5   498.0   501.3   441.3   494.9   476.6   473.3   441.3   471.0   461.2   471.0   472.8
   Credit unions                     203.9   207.1   204.6   202.8   201.7   201.1   201.2   206.1   201.7   193.7   195.9   193.7   194.3
   Federal government 5               89.8    91.7    98.4   111.0   186.0   122.7   135.4   157.8   186.0   209.8   204.5   209.8   211.5
   Savings institutions               68.3    53.1    46.0    46.8    39.5    44.2    42.0    41.8    39.5    37.0    37.9    37.0    36.3
   Nonfinancial business              47.2    48.9    50.7    51.1    48.4    46.8    45.5    44.7    48.4    45.3    45.4    45.3    45.4
   Pools of securitized assets 6,7   208.6   246.7   233.6   204.0   175.1   189.9   187.8   184.8   175.1   102.6   146.2   102.6   106.5

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. Data for the Student Loan Marketing Association (Sallie Mae) are included in the Federal government sector until the completion
of Sallie Mae's privatization in 2004:Q4 and in the Finance company sector thereafter.
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. The shift of consumer credit from pools of securitized assets to other categories is largely due to financial institutions'
implementation of the FAS 166/167 accounting rules.
r=revised.  p=preliminary.
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