Your question that is next is Dave Rochester of Compass aim.
David Rochester — Compass Aim Analysis — Analyst
Hey, good early early early early morning dudes. Appreciate most of the color in the power in addition to restaurant publications. Simply perhaps dig in a bit much much much much much much deeper|bit that is little}, had been simply wondering what lengths along you’re 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. If you have actually an expression for exactly how many clients may no further be running at this time and merely the way you project should always be for that if you assume some of these dudes keep coming back into company? Thanks.
John M. Turner — President and Ceo
Yes, Barb, would you like to answer that concern?
Barbara Godin — Chief Credit Officer
Yes. When it comes to energy publications, we have been approximately one fourth for the means through the borrowing base redetermination when it comes to period. Thus far we have seen that people borrowing bases, accessibility is down about 12.5percent. Therefore we realize that there’s obviously some effects here. You should be through the rest of your guide for the duration of the the following month, month and a half, so we can constantly provide more color at that time with time.
From the restaurant guide, we have additionally looked over each customer independently since there are not that lots of customers. 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 pressure that is continued complete solution in specific as I stated quickservice is better. Nevertheless the full-service profile, which includes got, as I stated, the many effect 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 containable and manageable.
David Rochester — Compass Aim Analysis — Analyst
Just what exactly percentage of that guide would now be closed right? then would you just assume they arrive in the future in your reserving procedure?
Barbara Godin — Chief Credit Officer
Yes. I do not have the precise figures that are closed as of this moment, however in the restaurant guide, we now have 3,600 clients as a whole. And of it will be someplace, a percentage of that demonstrably. Plus in terms of close, it is difficult to count. Do I count every individual shop when it comes to a person whohas got numerous devices and they have just closed a couple of, etc. To ensure becomes a small amount of a answer that is tricky that concern. But yes, there are handful most likely into the nature of 10 to 20 now.
John M. Turner — President and Ceo
Yes. The only thing we would include, simply kind of point you to definitely our slip quantity — on webpage 23 i do believe. Barb claims the — an almost all 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 profile happens to be criticized reflects our view for the danger for the reason that profile based upon what we know today.
David Rochester — Compass Aim Analysis — Analyst
Fine. Great. Many thanks dudes.
John M. Turner — President and Ceo
Operator
Your next real question is from Stephen Scouten of Piper Sandler.
John M. Turner — President and Ceo
Good early morning, Steve.
Stephen Scouten — Piper Sandler — Analyst
Hey dudes. Morning good. We remind you dig in just a little much deeper perhaps into a number of the effects from a few of the federal government programs, I’m sure it really is variety of difficult to state, but — and regulatory relief. and possibly especially from the repayment deferrals, when you have a portion level of your loans which can be in deferrals presently, and just how you might think those pan out possibly 90 or 180 times later on, if those do be CDRs down the road? After which using the primary road lending system in specific, just how might that impact your syndicated loan book and individuals people’s ability to sort of borrow extra funds, whether or maybe not it’s not refinanced yet?
John M. Turner — President and Ceo
Therefore perhaps we’ll work backwards. i believe there are many fascination with the primary road program that is lending. we now have a united group taking care of better comprehending the recommendations and just how it will probably use. I’m not sure that individuals an actual feel that is good for what number of clients is likewise interested and exactly how that may affect payday loans Oakland TN no credit check our client base, but obviously certainly one of a wide range of programs that the federal government and/or Congress are making open to clients which will be helpful in the long run. I can not keep in mind the very very very very first element of your concern now.
David J. Turner — Senior Executive Vice President, Chief Financial Officer
John M. Turner — President and Ceo
re re re Payment deferrals. Therefore with your company clients and now we’ve now provided about 4,000 deferrals, 3000 businesses that are small of a 1,000 center market clients. So our approach there is certainly to deal with those clients for a case-by-case foundation to measure the ongoing FC of the 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 particular to clients who had been in good standing before the beginning that is pandemic they demonstrably may actually have everything we think to become a viable company following the pandemic, whenever that is.
In the customer part, we’re generally deferrals that are offering 3 months to clients. At the conclusion of that 90 period we revisit where we are and consider another 90 day deferral day. The lender, when I talked about, we have awarded 4,000 deferrals within our stability sheet — very very own stability sheet home loan guide, another 12,000 deferrals when it comes to profile — home loan profile that individuals solution for other people and about 13,000 deferrals of other credit rating, whether or not it’d be charge cards, installment loans, house equity lines, etc, which can be roughly a small less in the home loan profile, only a little lower than $900 million which — and that is a $14.5 billion profile. To make certain that’d provide some viewpoint.