Charge-Off Rate on Business Loans, All Commercial Banks
Not Seasonally Adjusted
CORBLACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.50
Year-over-Year Change
354.55%
Date Range
1/1/1985 - 1/1/2025
Summary
The 'Not Seasonally Adjusted' data series represents raw economic data without statistical adjustments for predictable seasonal variations. This unadjusted data provides a direct snapshot of economic activity before accounting for cyclical patterns like holiday spending or weather-related fluctuations.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
Economists use not seasonally adjusted data to understand raw economic performance and compare actual measurements against normalized trends. This raw data helps identify underlying economic patterns and potential structural changes before smoothing techniques are applied.
Methodology
Data is collected through direct economic measurements and surveys, capturing the unmodified economic indicator without statistical smoothing techniques.
Historical Context
Policymakers and financial analysts use this data to understand baseline economic performance and detect potential emerging trends before seasonal adjustments.
Key Facts
- Represents raw economic data without seasonal modifications
- Provides unfiltered view of economic activity
- Essential for understanding baseline economic performance
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: It means the economic data is reported in its original form without statistical adjustments for predictable seasonal patterns. This provides a direct view of economic activity as it was measured.
Q: Why is unadjusted data important?
A: Unadjusted data helps economists identify actual economic trends and compare raw performance across different periods. It serves as a foundational measurement before statistical smoothing.
Q: How is this different from seasonally adjusted data?
A: Seasonally adjusted data removes predictable fluctuations, while not seasonally adjusted data shows the raw numbers without modifications. This allows for direct comparison of actual measurements.
Q: Who uses not seasonally adjusted data?
A: Economists, financial analysts, policymakers, and researchers use this data to understand baseline economic performance and detect potential emerging trends.
Q: How often is this data updated?
A: Update frequency varies by specific economic indicator, but many data series are updated monthly or quarterly by government statistical agencies.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [CORBLACBN], retrieved from FRED.
Last Checked: 8/1/2025