Charge-Off Rate on Lease Financing Receivables, All Commercial Banks
CORLFRACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.25
Year-over-Year Change
-7.41%
Date Range
1/1/1985 - 1/1/2025
Summary
The Charge-Off Rate on Lease Financing Receivables tracks the percentage of lease loans that commercial banks have written off as uncollectible. This metric provides critical insight into the financial health of commercial lending and potential economic stress in the banking sector.
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
This economic indicator measures the rate at which banks are unable to collect payments on lease financing, reflecting underlying economic conditions and credit risk. Economists use this trend to assess the financial stability of commercial banks and potential systemic risks in lending markets.
Methodology
The data is collected by aggregating charge-off amounts from all commercial banks and calculating the percentage relative to total lease financing receivables.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector health and potential economic vulnerabilities.
Key Facts
- Represents the percentage of lease financing receivables written off by commercial banks
- Indicates potential credit risk and economic stress in lending markets
- Provides insights into overall financial sector health
FAQs
Q: What does a high charge-off rate indicate?
A: A high charge-off rate suggests increased financial stress, potential economic downturn, or higher credit risk in commercial lending.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of commercial banking performance.
Q: Why do banks write off lease financing receivables?
A: Banks write off receivables when they determine that the debt is unlikely to be collected, typically due to prolonged non-payment or borrower financial distress.
Q: How do regulators use this data?
A: Regulators monitor this trend to assess banking sector stability and potentially implement corrective monetary or regulatory policies.
Q: What limitations exist in this data?
A: The data represents aggregate trends and may not capture individual bank or regional variations in lease financing performance.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Lease Financing Receivables, All Commercial Banks [CORLFRACBS], retrieved from FRED.
Last Checked: 8/1/2025