Commercial and Industrial Loans
Returns the total amount of commercial and industrial (C&I) loans outstanding at U.S. commercial banks, sourced from the Federal Reserve.
Data Source
Federal Reserve Statistical Release H.8 - Assets and Liabilities of Commercial Banks.
Usage Notes
- No parameters required
- Returns value in billions of dollars
- Data updated weekly
- Key indicator of business borrowing and economic activity
Economic Interpretation
| Trend | Interpretation |
|---|---|
| Rising | Business expansion, economic growth |
| Falling | Business contraction, economic caution |
| Rapid rise | Potential credit bubble concerns |
| Rapid fall | Credit crunch, recession risk |
Examples
=Loans()When to Use
- Analyzing business credit conditions
- Tracking corporate borrowing trends
- Building credit cycle dashboards
- Forecasting business investment
When NOT to Use
| Scenario | Use Instead |
|---|---|
| Need consumer credit | ConsumerCreditOutstanding() |
| Need mortgage rates | MortgageRate30y() |
| Need bank reserves | BankReserves() |
Common Issues & FAQ
Q: What types of loans are included? A: Commercial and industrial loans include business loans for working capital, equipment, and other commercial purposes - not mortgages or consumer loans.
Q: What units is this in? A: Loans are reported in billions of U.S. dollars.
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