网易彩票老时时彩
Board of Governors of the Federal Reserve System

Consumer Credit - G.19

Current Release (PDF)

June 2012 Release Date*: August 7, 2012

Consumer credit increased at a seasonally adjusted annual rate of 5 percent in the second quarter. Revolving credit decreased at an annual rate of 1/2 percent, while nonrevolving credit increased 7-3/4 percent. In June, consumer credit increased at an annual rate of 3 percent.

Consumer Credit Outstanding 1
Seasonally adjusted. Billions of dollars except as noted.
  Year Quarter Month
  2011 2012
  2007 2008 2009 2010 2011 Q2 Q3 Q4 Q1r Q2p Aprr Mayr Junp
Total percent change (annual rate)2 5.9 0.8 -4.5 -1.3 4.0 3.3 2.3 6.7 5.9 5.0 4.0 7.8 3.0
Revolving 8.5 0.2 -8.8 -7.4 0.9 0.9 -0.4 3.2 0.4 -0.5 -6.8 10.5 -5.1
Nonrevolving 3 4.3 1.2 -1.8 2.5 5.7 4.7 3.7 8.6 8.9 7.8 9.6 6.5 7.2
Total flow (annual rate)2,4 141.3 20.1 -115.8 -30.5 96.6 81.1 56.5 164.8 149.0 126.6 102.0 200.4 77.5
Revolving 78.7 2.2 -88.4 -68.1 7.5 7.3 -3.2 27.2 3.4 -4.4 -59.0 90.2 -44.3
Nonrevolving 3 62.6 17.9 -27.4 37.6 89.1 73.8 59.7 137.6 145.6 131.0 160.9 110.2 121.8
Total outstanding 2,528.8 2,548.9 2,438.8 2,411.9 2,508.5 2,453.1 2,467.3 2,508.5 2,545.7 2,577.4 2,554.2 2,570.9 2,577.4
Revolving 1,008.1 1,010.3 921.9 857.4 864.9 858.9 858.1 864.9 865.7 864.6 860.8 868.3 864.6
Nonrevolving 3 1,520.6 1,538.6 1,517.0 1,554.5 1,643.6 1,594.3 1,609.2 1,643.6 1,680.0 1,712.8 1,693.4 1,702.6 1,712.8
 
Terms of Credit 5
Not seasonally adjusted. Percent except as noted.
Commercial banks
Interest rates
48-mo. new car 7.77 7.02 6.72 6.21 5.73 5.79 5.89 5.40 5.07 4.87 n.a. 4.87 n.a.
24-mo. personal 12.38 11.37 11.10 10.87 10.88 11.37 10.80 10.36 10.88 10.94 n.a. 10.94 n.a.
Credit card plans
All accounts 13.30 12.08 13.40 13.78 12.74 12.89 12.28 12.36 12.34 12.06 n.a. 12.06 n.a.
Accounts assessed interest 14.68 13.57 14.31 14.26 13.09 13.06 13.08 12.78 13.04 12.76 n.a. 12.76 n.a.
 
Finance companies (new car loans)6
Interest rates 4.87 5.52 3.82 4.26 4.73 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Maturity (months) 62.0 63.4 62.0 63.0 62.3 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Loan-to-value ratio 95 91 90 86 80 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Amount financed (dollars) 28,287 26,178 28,272 27,959 26,673 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.

Back to top

Consumer Credit Outstanding (Levels) 1
(Billions of dollars)
Not seasonally adjusted
  Year Quarter Month
  2011 2012
  2007 2008 2009 2010 2011 Q2 Q3 Q4 Q1r Q2p Aprr Mayr Junp
Total 2,528.8 2,548.9 2,438.8 2,411.9 2,508.5 2,405.7 2,452.1 2,508.5 2,495.9 2,529.9 2,507.4 2,523.7 2,529.9
 
Major holders
Depository institutions 894.9 965.0 906.3 1,185.5 1,192.6 1,159.8 1,163.1 1,192.6 1,155.7 1,169.3 1,153.9 1,171.0 1,169.3
Finance companies 572.1 554.3 471.9 575.0 567.3 557.7 560.6 567.3 559.1 554.3 561.0 553.4 554.3
Credit unions 236.6 236.2 237.1 226.5 223.0 220.9 223.9 223.0 223.0 228.1 227.7 229.4 228.1
Federal government 7 93.0 104.3 178.6 308.8 417.4 362.4 398.5 417.4 452.6 470.7 458.7 464.9 470.7
Nonfinancial business 59.3 56.3 51.7 53.1 53.1 51.7 52.2 53.1 51.5 51.7 51.6 51.5 51.7
Pools of securitized assets 8,9 673.0 632.9 593.3 63.0 55.0 53.3 53.8 55.0 54.0 55.9 54.6 53.5 55.9
 
Major types of credit, by holder
Revolving 1,008.1 1,010.3 921.9 857.4 864.9 819.2 826.2 864.9 819.3 824.9 818.2 825.0 824.9
Depository institutions 398.2 430.1 373.9 664.7 663.9 632.6 636.3 663.9 628.0 640.9 626.6 641.7 640.9
Finance companies 77.3 62.0 38.3 92.2 100.5 91.2 93.6 100.5 93.5 86.3 94.0 86.1 86.3
Credit unions 31.1 33.4 35.4 36.3 37.9 35.8 36.3 37.9 36.4 37.4 36.6 37.2 37.4
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business 36.1 34.7 32.3 32.8 32.8 31.4 31.7 32.8 31.2 31.4 31.3 31.3 31.4
Pools of securitized assets 8,9 465.5 450.0 441.9 31.4 29.8 28.1 28.4 29.8 30.2 28.9 29.8 29.8 28.9
Nonrevolving 1,520.6 1,538.6 1,517.0 1,554.5 1,643.6 1,586.5 1,625.9 1,643.6 1,676.5 1,705.0 1,689.1 1,698.7 1,705.0
Depository institutions 496.7 534.8 532.3 520.8 528.7 527.1 526.8 528.7 527.6 528.4 527.3 529.3 528.4
Finance companies 494.8 492.2 433.6 482.9 466.9 466.4 467.0 466.9 465.6 468.0 467.0 467.3 468.0
Credit unions 205.5 202.8 201.7 190.1 185.1 185.1 187.6 185.1 186.6 190.8 191.2 192.2 190.8
Federal government 7 93.0 104.3 178.6 308.8 417.4 362.4 398.5 417.4 452.6 470.7 458.7 464.9 470.7
Nonfinancial business 23.2 21.6 19.4 20.3 20.3 20.2 20.5 20.3 20.3 20.2 20.3 20.3 20.2
Pools of securitized assets 8,9 207.5 182.9 151.4 31.7 25.2 25.2 25.5 25.2 23.9 27.0 24.7 24.7 27.0

Back to top

Consumer Credit Outstanding (Flows) 1
(Billions of dollars; annual rate)
Not seasonally adjusted
  Year Quarter Month
  2011 2012
  2007 2008 2009 2010 2011 Q2 Q3 Q4 Q1r Q2p Aprr Mayr Junp
Total 141.3 20.1 -115.8 -30.5 96.6 90.8 185.6 225.5 -50.4 136.3 138.3 195.9 74.8
 
Major holders
Depository institutions 58.1 70.1 -64.5 -70.3 7.1 64.7 13.1 118.1 -147.6 54.5 -21.4 205.3 -20.4
Finance companies 40.2 -17.9 -82.4 -27.0 -7.7 10 -28.5 11.9 26.8 -33.1 -19.2 22.5 -90.1 -9.9
Credit unions 0.5 -0.4 0.9 -10.7 -3.4 10.9 12.2 -3.5 0.1 20.4 56.3 19.7 -14.7
Federal government 7 6.0 11.3 74.3 130.2 108.7 59.7 144.2 75.7 140.6 72.4 73.4 74.3 69.7
Nonfinancial business 2.2 -3.0 -4.6 -2.3 0.0 0.8 2.2 3.5 -6.5 0.8 1.1 -0.4 1.6
Pools of securitized assets 8,9 34.1 -40.1 -39.6 -50.4 -8.0 -16.7 2.0 4.8 -3.9 7.5 6.5 -12.8 28.7
Major types of credit, by holder
Revolving 78.7 2.2 -88.4 -68.1 7.5 34.0 28.3 154.5 -182.1 22.3 -13.1 81.3 -1.2
Depository institutions 28.4 31.9 -56.2 -34.4 -0.8 31.1 14.6 110.5 -143.6 51.5 -17.1 180.8 -9.0
Finance companies 3.9 -15.3 -23.8 0.5 8.3 5.0 9.5 27.4 -27.8 -28.8 5.4 -94.1 -2.2
Credit unions 3.7 2.4 2.0 0.9 1.6 3.0 2.0 6.7 -6.0 3.7 1.5 7.5 2.1
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business 2.4 -1.3 -2.4 -3.3 0.0 1.0 1.0 4.3 -6.3 1.0 1.2 -0.1 1.9
Pools of securitized assets 8,9 40.2 -15.5 -8.0 -31.9 -1.6 -6.1 1.1 5.7 1.6 -5.1 -4.1 -12.8 1.6
Nonrevolving 62.6 17.9 -27.4 37.6 89.1 56.8 157.3 70.9 131.7 114.0 151.4 114.7 76.0
Depository institutions 29.7 38.2 -8.3 -36.0 7.8 33.6 -1.6 7.6 -4.1 3.0 -4.3 24.6 -11.3
Finance companies 36.3 -2.6 -58.6 -27.5 -16.0 -33.5 2.3 -0.6 -5.2 9.6 17.5 4.0 7.8
Credit unions -3.2 -2.7 -1.1 -11.6 -5.0 7.9 10.2 -10.2 6.0 16.7 54.8 12.1 -16.8
Federal government 7 6.0 11.3 74.3 130.2 108.7 59.7 144.2 75.7 140.6 72.4 73.4 74.3 69.7
Nonfinancial business -0.2 -1.6 -2.2 0.9 0.0 -0.2 1.2 -0.8 -0.1 -0.2 -0.1 -0.3 -0.4
Pools of securitized assets 8,9 -6.1 -24.6 -31.5 -18.5 -6.4 -10.6 0.9 -0.9 -5.5 12.6 10.6 0.0 27.1

*This release is generally issued on the fifth business day of each month. See the Statistical Release Schedule for more information.

Footnotes

  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. Flow data represent changes in the level of credit due to economic and financial activity, and exclude breaks in the data series due to changes in methodology, source data, and other technical aspects of the estimation that could affect the level of credit.
  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).
  6. The statistical foundation for these series has deteriorated. Therefore, publication of these series is temporarily being suspended. The statistical foundation is in the process of being improved, and publication will resume as soon as possible.
  7. Consumer loans held by the federal government include loans originated by the Department of Education under the Federal Direct Loan Program, as well as Federal Family Education Loan Program loans that the government purchased from depository institutions and finance companies.
  8. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of the loan originators.
  9. 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.
  10. On November 26, 2012 the third table (Consumer Credit Outstanding (Flows)) for the June 2012 G. 19 statistical release was updated to correct a data error in the Finance Companies row for the year 2011. Please note: the PDF, historical data, and the data downloading program (DDP) were unchanged.
r=revised. p=preliminary. n.a.=not available. ...=not applicable.

Back to top

Last update: November 26, 2012
网易彩票老时时彩 pk10 网球比分直播 雷速体育足球比分 北京11选5 澳盘即时赔率新浪 2012中甲即时比分 腾讯分分彩 p3试机号 25选7 足球指数.足彩指数 龙珠足球直播 韩国快乐8 新疆11选5 亿客隆彩票官网 江苏快3 云南快乐10分