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, 2011
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G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 2010                                             February 7, 2011

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

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
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                                                                         2009                            2010
                                                                        _______ _______________________________________________________

                                 2006    2007    2008    2009   2010 p    Q4      Q1      Q2      Q3     Q4 p    Oct r   Nov r   Dec p
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Percent change at annual rate 2
  Total                            4.1     5.8     1.5    -4.4    -1.6    -5.5    -3.9    -3.3    -1.7     2.6     3.9     1.0     3.0
   Revolving                       5.0     8.1     1.7    -9.6    -7.5   -12.4   -11.6    -7.3    -9.4    -2.8    -6.7    -5.0     3.5
   Nonrevolving 3                  3.6     4.4     1.5    -1.2     1.7    -1.7     0.3    -1.2     2.2     5.4     9.2     4.0     2.8

Amount: billions of dollars
  Total                         2384.8  2522.2  2561.1  2449.4  2410.4  2449.4  2425.3  2405.1  2394.6  2410.4  2402.3  2404.3  2410.4
   Revolving                     871.0   941.8   957.5   865.8   800.5   865.8   840.7   825.4   806.1   800.5   801.6   798.2   800.5
   Nonrevolving 3               1513.8  1580.4  1603.6  1583.5  1609.9  1583.5  1584.6  1579.7  1588.5  1609.9  1600.8  1606.1  1609.9
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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                 7.72    7.77    7.02    6.72    6.21    6.55    6.45    6.26    6.24    5.87     n.a.   5.87     n.a.
   24-mo. personal               12.41   12.38   11.37   11.10   10.87   11.20   10.83   11.00   10.71   10.94     n.a.  10.94     n.a.
        Credit card plan
    All accounts                 13.21   13.30   12.08   13.40   13.78   13.60   14.26   13.84   13.59   13.44     n.a.  13.44     n.a.
    Accounts assessed interest   14.73   14.68   13.57   14.31   14.26   14.37   14.67   14.48   14.22   13.67     n.a.  13.67     n.a.

New car loans at auto finance companies
  Interest rates                  4.99    4.87    5.52    3.82    4.26    3.47    4.31    4.09    4.08    4.57    4.52    4.63    4.55
  Maturity (months)               63.0    62.0    63.4    62.0    63.0    63.9    62.9    62.9    63.8    62.5    63.4    62.8    61.3
  Loan-to-value ratio               94      95      91      90      86      92      89      87      87      82      83      82      82
  Amount financed (dollars)     26,620  28,287  26,178  28,272  27,959  31,109  28,444  27,888  28,081  27,423  27,576  27,433  27,260

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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
                                                                            _______ _______________________________________________________

                                     2006    2007    2008    2009   2010 p    Q4      Q1      Q2      Q3     Q4 p    Oct r   Nov r   Dec p
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Total                               2416.0  2555.3  2594.1  2478.9  2437.8  2478.9  2406.9  2386.5  2407.6  2437.8  2411.2  2416.0  2437.8

Major holders
Total                               2416.0  2555.3  2594.1  2478.9  2437.8  2478.9  2406.9  2386.5  2407.6  2437.8  2411.2  2416.0  2437.8
Commercial banks                     741.2   804.1   878.6   855.3  1100.7   855.3  1149.2  1133.7  1115.3  1100.7  1108.0  1110.7  1100.7
Finance companies                    534.4   584.1   575.8   487.8   519.0   487.8   536.9   527.1   517.7   519.0   494.3   491.5   519.0
Credit unions                        234.5   235.7   236.2   237.2   227.5   237.2   228.0   225.8   224.9   227.5   227.4   227.5   227.5
Federal government 5                  91.7    98.4   111.0   186.0   317.1   186.0   209.8   222.6   280.3   317.1   312.1   315.7   317.1
Savings institutions                  95.5    90.8    86.3    77.5    83.3    77.5    78.0    80.6    82.1    83.3    82.6    82.9    83.3
Nonfinancial business                 57.6    58.6    59.8    57.2    56.3    57.2    53.5    52.8    52.4    56.3    52.3    53.2    56.3
Pools of securitized assets 6,7      661.1   683.7   646.4   577.9   133.9   577.9   151.4   143.8   134.9   133.9   134.5   134.3   133.9

Major types of credit
Revolving                            900.2   973.2   989.1   894.0   826.6   894.0   829.0   816.6   806.1   826.6   802.8   807.2   826.6
   Commercial banks                  327.3   353.4   390.6   362.4   617.1   362.4   630.0   616.7   603.7   617.1   598.6   601.0   617.1
   Finance companies                  79.9    86.0    74.4    46.4    72.0    46.4    65.9    65.9    67.2    72.0    68.6    69.9    72.0
   Credit unions                      27.4    31.1    33.4    35.4    36.3    35.4    34.3    34.9    35.3    36.3    35.5    35.8    36.3
   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               42.5    44.8    39.6    38.1    46.0    38.1    41.0    43.1    45.3    46.0    45.5    45.8    46.0
   Nonfinancial business               8.7     7.9     8.7     8.8     8.8     8.8     8.2     8.2     8.4     8.8     8.4     8.5     8.8
   Pools of securitized assets 6,7   414.4   450.0   442.4   402.8    46.4   402.8    49.7    47.8    46.2    46.4    46.2    46.3    46.4

Nonrevolving                        1515.8  1582.1  1605.1  1584.9  1611.3  1584.9  1577.9  1569.9  1601.5  1611.3  1608.4  1608.8  1611.3
   Commercial banks                  413.9   450.7   488.1   492.9   483.7   492.9   519.2   517.0   511.6   483.7   509.4   509.7   483.7
   Finance companies                 454.5   498.0   501.3   441.3   447.0   441.3   471.0   461.2   450.5   447.0   425.7   421.6   447.0
   Credit unions                     207.1   204.6   202.8   201.7   191.1   201.7   193.7   190.9   189.6   191.1   191.9   191.8   191.1
   Federal government 5               91.7    98.4   111.0   186.0   317.1   186.0   209.8   222.6   280.3   317.1   312.1   315.7   317.1
   Savings institutions               53.1    46.0    46.8    39.5    37.4    39.5    37.0    37.5    36.8    37.4    37.0    37.2    37.4
   Nonfinancial business              48.9    50.7    51.1    48.4    47.5    48.4    45.3    44.6    44.1    47.5    43.9    44.7    47.5
   Pools of securitized assets 6,7   246.7   233.6   204.0   175.1    87.5   175.1   101.7    96.0    88.7    87.5    88.3    88.0    87.5

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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