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Real Estate Loans
Credit secured by real property, including short-term credit to support building construction and land development and longer-term credit to support the purchase of residential and commercial structures
Financial Institution Loans
Both long- and short-term credit extended to banks, insurance companies, and other financial institutions
Agricultural Loans
Credit extended to farm and ranch operations to assist in planting and harvesting crops and to care for and market livestock
Commercial and Industrial Loans
Credit granted to businesses to help cover purchases of inventory, plant, and equipment and to meet other operating expenses
Loans to Individuals
Credit extended to households to finance the purchase of automobiles and appliances, medical and personal expenses, and other household needs
Wholesale Lenders
Lending institutions that devote the bulk of their credit portfolios to large-denomination loans extended to corporations and other relatively large business firms and institutions
Retail Credit
Smaller-denomination loans extended to individuals and families as well as to smaller businesses
CAMELS Rating def
A system that assigns a numerical rating to a depository institution based on examiner judgment regarding its, capital adequacy, asset condition, management quality, earnings record, liquidity position, and sensitivity to market risk
Cash
referring to the generation of income or cash flow by a borrowing customer
Cash Flow
Often measured by the net income plus noncash expenses (such as depreciation) of a business loan customer
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