Your question that is next is Dave Rochester of Compass aim.
David Rochester — Compass Aim Analysis — Analyst
Hey, good early early early morning dudes. Appreciate most of the color from the power additionally the restaurant publications. simply perhaps dig in a small bit much much much much deeper|bit that is little}, had been simply wondering how long along you are in that borrowing base redetermination procedure at this stage? And then just on the restaurant book, if you’ve been able to do a full review of that book as well if you have a sense for where the new deck is, how much lines have contracted for those customers and. Of course you assume some of those guys come back into business if you have a sense for how many customers may no longer be operating at this point and just how you project should be for that? Many Thanks.
John M. Turner — President and Ceo
Yes, Barb, would you like to react to that concern?
Barbara Godin — Chief Credit Officer
Yes. When it comes to power publications, we have been approximately a quarter associated with the method through the borrowing base redetermination when it comes to period. Thus far we have seen that people borrowing bases, supply is down about 12.5percent. Therefore we realize that there is obviously some effects here. we must be through the others of your guide for the duration of the the following month, thirty days and a half, therefore we can constantly offer more color at that point with time.
In the restaurant guide, we have additionally looked over each customer independently since there aren’t that lots of consumers. And on a regular basis, daily, weekly, monthly right now, make sure we have our handle on that so we were talking to them. We do see some continued stress on complete solution in specific as I stated quickservice is better. However the full-service profile, that has got, as I stated, the impact that is most is actually due to the restaurants are closed. Therefore through to the economy opens up, we are going to continue steadily to see some pressure there therefore we’re planning to continue steadily to see some losings here, albeit, we think these are generally at extremely workable and containable.
David Rochester — Compass Aim Analysis — Analyst
what exactly part of that guide would now be closed right? After which would you just assume they come later on in your reserving procedure?
Barbara Godin — Chief Credit Officer
Yes. I do not have the precise figures that are closed as of this moment, but in the restaurant guide, we now have 3,600 clients as a whole. And of so it could be someplace, a percentage of that demonstrably. Plus in terms of close, it really is difficult to count. Do I count each individual shop when it comes to somebody whohas got numerous devices and they have just closed 1 or 2, etc. to ensure becomes a small amount of a answer that is tricky that concern. But yes, there are handful probably into the nature of 10 to 20 at this time.
John M. Turner — President and Ceo
Yes. The only thing we would include, simply kind of point one to our slip quantity — on webpage 23 i do believe. Barb states the — a majority of the casual dining profile represented by about 34 customers is simply more than a $0.5 million — $0.5 billion in publicity. 21% of this portfolio happens to be criticized and therefore reflects our view associated with the danger for the reason that profile today based on everything we understand.
David Rochester — Compass Aim Analysis — Analyst
Fine. Great. Thanks dudes.
John M. Turner — President and Ceo
Operator
Your question that is next is Stephen Scouten of Piper Sandler.
John M. Turner — President and Ceo
Good early morning, Steve.
Stephen Scouten — Piper Sandler — Analyst
Hey dudes. Good . We remind you dig in only a little deeper perhaps into a few of the effects from a few of the federal government programs, I’m sure it is form of difficult to state, but — and regulatory relief. and perhaps particularly regarding the repayment deferrals, you think those pan out maybe 90 or 180 days down the line, if those do become CDRs down the line if you have a percentage amount of your loans that are in deferrals currently, and how? After which because of the street that is main system in specific, exactly how might that impact your syndicated loan book and people people’s ability to sorts of borrow extra funds, whether or not it’s not refinanced yet?
John M. Turner — President and Ceo
Therefore perhaps we’ll work backwards. I believe there’s lots of desire for the primary road lending system. we’ve a group focusing on better comprehending the recommendations and exactly how it will probably use. I’m not sure we have actually a genuine feel that is good for exactly how many clients can also be interested and how which may affect our customer base, but plainly certainly one of a quantity of programs that the federal government and/or Congress are making offered to clients that’ll be helpful in the long run. I can not recall the very very first section of your concern now.
David J. Turner — Senior Executive Vice President, Chief Financial Officer
John M. Turner — President and Ceo
Repayment deferrals. Therefore with your company clients and now we’ve now given about 4,000 deferrals, 3000 businesses that are small of a 1,000 center market clients. So our approach there was to take care of those clients for a case-by-case foundation to assess the ongoing FC of their company. And then we’ll typically grant them a deferral and in some instances that might be for up to six months, generally their 90 day deferrals interest only typically and then we revisit those at the end of that period if prior to the pandemic starting, they had a viable business and we’re — and doing well, or a good customer. But that’s certain to clients who had been in good standing ahead of the pandemic start and they plainly may actually have that which we think viable company following the pandemic, whenever that is.
In the customer part, we are generally providing deferrals for 3 months to clients. At the conclusion of that 90 period we revisit where we are and consider another 90 day deferral day. The financial institution, that we service for others and about 13,000 deferrals of other consumer credit, whether it’d be credit cards, installment loans, home equity lines, etc, which is roughly a little less on the mortgage profile, a little less than $900 million which — and that is a $14.5 billion profile as we pointed out, we have provided 4,000 deferrals inside our stability sheet — very very very own stability sheet home loan guide, another 12,000 deferrals for the profile — home loan profile. easy payday loans Dawson In order that’d provide some viewpoint.