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Home > Industry Analysis > Research & Analysis > Quarterly Banking Profile |
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Quarterly Banking Profile |
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| TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks | |||||||||||
| Asset Size Distribution | Geographic Distribution by Region | ||||||||||
| All Institutions | Less than $100 Million |
$100 Million to $1 Billion |
$1 Billion to $10 Billion |
Greater than $10 Billion |
East | West | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
September 30, 2002 |
North- east |
South- east |
Central | Mid- west |
South- west |
West | |||||
| Percent of Loans 30-89 Days Past Due | |||||||||||
| All loans secured by real estate | 1.03 | 1.31 | 0.94 | 0.89 | 1.08 | 1.14 | 0.90 | 1.31 | 0.83 | 1.04 | 0.78 |
| Construction and development | 1.03 | 1.31 | 0.96 | 1.00 | 1.06 | 1.15 | 0.62 | 1.42 | 1.02 | 1.26 | 1.20 |
| Commercial real estate | 0.70 | 1.03 | 0.72 | 0.74 | 0.64 | 0.76 | 0.55 | 0.94 | 0.78 | 0.75 | 0.53 |
| Multifamily residential real estate | 0.40 | 0.62 | 0.56 | 0.40 | 0.34 | 0.31 | 0.27 | 0.67 | 0.30 | 0.54 | 0.25 |
| Home equity loans | 0.61 | 0.67 | 0.53 | 0.54 | 0.62 | 0.53 | 0.59 | 0.69 | 0.57 | 0.58 | 0.57 |
| Other 1-4 Family residential | 1.35 | 1.70 | 1.29 | 1.13 | 1.38 | 1.35 | 1.30 | 1.79 | 0.90 | 1.28 | 0.94 |
| Commercial and industrial loans | 0.91 | 1.77 | 1.32 | 1.39 | 0.75 | 0.81 | 0.62 | 1.10 | 1.43 | 1.31 | 1.09 |
| Loans to individuals | 2.19 | 2.46 | 2.30 | 2.02 | 2.20 | 2.35 | 2.20 | 1.84 | 2.55 | 1.91 | 1.89 |
| Credit card loans | 2.76 | 2.54 | 4.87 | 2.73 | 2.70 | 2.82 | 4.18 | 2.15 | 2.92 | 1.40 | 2.12 |
| Other loans to individuals | 1.83 | 2.46 | 1.94 | 1.68 | 1.81 | 1.89 | 1.87 | 1.79 | 1.79 | 1.92 | 1.54 |
| All other loans and leases (including farm) | 0.56 | 0.82 | 0.75 | 0.76 | 0.51 | 0.49 | 0.28 | 0.79 | 0.86 | 0.89 | 0.52 |
| Total loans and leases | 1.14 | 1.46 | 1.13 | 1.17 | 1.12 | 1.24 | 0.94 | 1.25 | 1.36 | 1.20 | 1.01 |
| Memo: Commercial RE loans not secured by RE | 0.85 | 0.22 | 0.47 | 0.64 | 0.90 | 0.64 | 0.34 | 1.30 | 2.01 | 0.66 | 1.28 |
| Percent of Loans Noncurrent* | |||||||||||
| All real estate loans | 0.93 | 1.03 | 0.87 | 0.87 | 0.96 | 1.04 | 0.74 | 1.34 | 0.69 | 0.92 | 0.62 |
| Construction and development | 1.09 | 1.08 | 1.10 | 1.13 | 1.07 | 1.12 | 0.91 | 1.40 | 0.85 | 0.83 | 1.18 |
| Commercial real estate | 0.96 | 1.13 | 0.95 | 0.89 | 0.97 | 0.86 | 0.81 | 1.32 | 0.96 | 1.04 | 0.76 |
| Multifamily residential real estate | 0.39 | 0.74 | 0.45 | 0.25 | 0.40 | 0.23 | 0.46 | 0.53 | 0.40 | 0.65 | 0.18 |
| Home equity loans | 0.30 | 0.31 | 0.26 | 0.31 | 0.31 | 0.23 | 0.25 | 0.42 | 0.29 | 0.47 | 0.25 |
| Other 1-4 Family residential | 0.97 | 0.90 | 0.78 | 0.90 | 1.03 | 1.04 | 0.76 | 1.69 | 0.48 | 0.80 | 0.40 |
| Commercial and industrial loans | 3.01 | 1.73 | 1.55 | 1.90 | 3.43 | 4.19 | 2.68 | 2.58 | 1.51 | 1.59 | 2.23 |
| Loans to individuals | 1.45 | 0.98 | 0.98 | 1.01 | 1.59 | 2.03 | 0.87 | 0.68 | 1.82 | 0.72 | 1.24 |
| Credit card loans | 2.14 | 1.36 | 3.56 | 1.84 | 2.14 | 2.26 | 2.43 | 1.41 | 2.30 | 0.98 | 1.79 |
| Other loans to individuals | 1.01 | 0.97 | 0.63 | 0.61 | 1.16 | 1.81 | 0.60 | 0.56 | 0.85 | 0.71 | 0.39 |
| All other loans and leases (including farm) | 1.03 | 1.27 | 1.19 | 0.81 | 1.03 | 1.26 | 0.90 | 0.75 | 1.06 | 1.56 | 1.01 |
| Total loans and leases | 1.50 | 1.17 | 1.02 | 1.10 | 1.69 | 2.14 | 1.19 | 1.47 | 1.15 | 1.08 | 1.07 |
| Memo: Commercial RE loans not secured by RE | 0.83 | 0.77 | 0.26 | 0.51 | 0.89 | 0.56 | 1.20 | 0.97 | 1.52 | 0.71 | 0.34 |
| Percent of Loans Charged-off (net, YTD) | |||||||||||
| All real estate loans | 0.15 | 0.09 | 0.08 | 0.15 | 0.17 | 0.10 | 0.12 | 0.29 | 0.07 | 0.10 | 0.07 |
| Construction and development | 0.16 | 0.13 | 0.11 | 0.23 | 0.15 | 0.15 | 0.11 | 0.26 | 0.13 | 0.06 | 0.15 |
| Commercial real estate | 0.13 | 0.12 | 0.09 | 0.14 | 0.15 | 0.04 | 0.09 | 0.30 | 0.10 | 0.11 | 0.09 |
| Multifamily residential real estate | 0.06 | 0.05 | 0.03 | 0.12 | 0.05 | 0.04 | 0.04 | 0.11 | 0.00 | 0.23 | 0.02 |
| Home equity loans | 0.19 | 0.04 | 0.04 | 0.13 | 0.22 | 0.05 | 0.16 | 0.35 | 0.11 | 0.16 | 0.06 |
| Other 1-4 Family residential | 0.14 | 0.08 | 0.07 | 0.13 | 0.16 | 0.08 | 0.14 | 0.30 | 0.05 | 0.09 | 0.04 |
| Commercial and industrial loans | 1.75 | 0.66 | 0.74 | 1.34 | 1.98 | 2.13 | 1.69 | 1.52 | 0.80 | 0.72 | 1.99 |
| Loans to individuals | 3.40 | 0.88 | 1.65 | 3.15 | 3.73 | 4.62 | 1.59 | 1.76 | 4.46 | 1.01 | 4.09 |
| Credit card loans | 6.68 | 3.89 | 7.69 | 6.95 | 6.61 | 7.60 | 4.73 | 4.78 | 6.55 | 3.08 | 5.73 |
| Other loans to individuals | 1.40 | 0.79 | 0.85 | 1.08 | 1.60 | 1.93 | 1.10 | 1.30 | 0.53 | 0.95 | 1.37 |
| All other loans and leases (including farm) | 0.52 | 0.23 | 0.39 | 0.43 | 0.55 | 0.60 | 0.24 | 0.66 | 0.23 | 0.45 | 0.64 |
| Total loans and leases | 1.12 | 0.30 | 0.38 | 0.92 | 1.34 | 1.77 | 0.67 | 0.81 | 1.30 | 0.39 | 1.22 |
| Memo: Commercial RE loans not secured by RE | 0.11 | 0.44 | 0.33 | 0.20 | 0.09 | 0.02 | 0.17 | 0.18 | -0.02 | 0.22 | 0.03 |
| Loans Outstanding (in billions) | |||||||||||
| All real estate loans | $1,971.8 | $79.7 | $378.2 | $314.9 | $1,199.1 | $385.2 | $598.9 | $479.4 | $128.6 | $97.7 | $282.0 |
| Construction and development | 205.9 | 7.4 | 47.9 | 42.4 | 108.1 | 21.0 | 74.8 | 50.6 | 11.3 | 15.2 | 32.9 |
| Commercial real estate | 541.6 | 23.9 | 150.0 | 116.7 | 251.1 | 89.2 | 163.2 | 127.7 | 34.0 | 37.3 | 90.2 |
| Multifamily residential real estate | 68.8 | 1.8 | 13.2 | 13.6 | 40.2 | 15.9 | 16.5 | 19.6 | 3.5 | 3.0 | 10.4 |
| Home equity loans | 201.0 | 2.3 | 18.5 | 22.5 | 157.7 | 40.0 | 60.3 | 65.8 | 6.5 | 1.8 | 26.6 |
| Other 1-4 Family residential | 882.9 | 33.9 | 132.3 | 114.8 | 601.8 | 188.1 | 273.5 | 206.0 | 61.6 | 36.1 | 117.6 |
| Commercial and industrial loans | 921.6 | 22.4 | 94.9 | 110.6 | 693.6 | 303.7 | 224.7 | 216.6 | 42.7 | 38.1 | 95.7 |
| Loans to individuals | 688.2 | 15.8 | 55.8 | 91.1 | 525.4 | 281.7 | 126.3 | 106.8 | 68.7 | 22.0 | 82.7 |
| Credit card loans | 267.7 | 0.4 | 6.8 | 29.8 | 230.6 | 137.7 | 18.2 | 14.8 | 46.0 | 0.6 | 50.3 |
| Other loans to individuals | 420.5 | 15.4 | 49.0 | 61.3 | 294.8 | 144.0 | 108.1 | 92.1 | 22.7 | 21.3 | 32.4 |
| All other loans and leases (including farm) | 491.2 | 16.2 | 29.6 | 38.6 | 406.8 | 191.8 | 100.4 | 127.0 | 31.1 | 10.4 | 30.6 |
| Total loans and leases | 4,072.8 | 134.2 | 558.5 | 555.3 | 2,825.0 | 1,162.3 | 1,050.3 | 929.9 | 271.1 | 168.1 | 491.0 |
| Memo: Commercial RE loans not secured by RE | 39.3 | 0.3 | 1.5 | 3.4 | 34.1 | 9.1 | 12.0 | 9.3 | 0.8 | 0.7 | 7.3 |
| Memo: Other Real Estate Owned (in millions) | |||||||||||
| All other real estate owned | $3,953.9 | $324.2 | $1,067.5 | $587.3 | $1,974.8 | $556.3 | $1,343.0 | $964.5 | $323.7 | $330.1 | $436.4 |
| Construction and development | 366.6 | 32.7 | 177.1 | 73.0 | 83.7 | 44.1 | 125.9 | 62.6 | 33.0 | 42.6 | 58.2 |
| Commercial real estate | 1,755.5 | 141.2 | 503.1 | 319.9 | 791.3 | 250.2 | 681.3 | 267.3 | 159.5 | 164.8 | 232.2 |
| Multifamily residential real estate | 81.5 | 13.4 | 39.1 | 12.8 | 16.2 | 11.0 | 15.1 | 18.7 | 13.3 | 6.5 | 16.8 |
| 1-4 Family residential | 1,560.4 | 110.4 | 307.3 | 170.9 | 971.9 | 146.2 | 506.4 | 606.7 | 94.9 | 96.5 | 109.7 |
| Farmland | 84.2 | 26.5 | 39.1 | 8.9 | 9.7 | 2.5 | 14.1 | 9.1 | 23.0 | 19.6 | 15.8 |
| Other real estate owned in foreign offices | 105.7 | 0.0 | 1.8 | 1.9 | 102.0 | 102.3 | 0.0 | 0.0 | 0.0 | 0.0 | 3.5 |
| *Noncurrent loan rates represent the percentage of loans in each category that are past due 90 days or more or that are in nonaccrual status | N/A - Not Available | ||||||||||
| Last Updated 11/26/2002 | insurance-research@fdic.gov |
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