Bank Home Equity Loan Performance Continues to Strengthen and Remains Much Improved Compared to the Rest of the Industry
| Year |
Quarter |
Home Equity Lines of Credit Past-due Loans Past-due and nonaccrual draws to total loans |
Total Loans and Leases Past-due Loans Past-due and nonaccrual draws to total loans |
| 1996 |
1 |
1.37% |
2.51% |
| 2 |
1.24% |
2.38% |
| 3 |
1.33% |
2.40% |
| 4 |
1.39% |
2.41% |
| 1997 |
1 |
1.38% |
2.41% |
| 2 |
1.25% |
2.21% |
| 3 |
1.25% |
2.19% |
| 4 |
1.35% |
2.23% |
| 1998 |
1 |
1.29% |
2.20% |
| 2 |
1.20% |
2.04% |
| 3 |
1.24% |
2.07% |
| 4 |
1.34% |
2.14% |
| 1999 |
1 |
1.14% |
2.09% |
| 2 |
1.05% |
1.96% |
| 3 |
1.03% |
2.03% |
| 4 |
1.02% |
1.98% |
| 2000 |
1 |
1.04% |
1.97% |
| 2 |
0.97% |
1.93% |
| 3 |
1.11% |
2.04% |
| 4 |
1.24% |
2.24% |
| 2001 |
1 |
1.18% |
2.29% |
| 2 |
1.11% |
2.33% |
| 3 |
1.18% |
2.54% |
| 4 |
1.06% |
2.61% |
| 2002 |
1 |
0.88% |
2.58% |
| 2 |
0.79% |
2.47% |
| 3 |
0.81% |
2.52% |
| 4 |
0.79% |
2.53% |
| 2003 |
1 |
0.71% |
2.41% |
| 2 |
0.66% |
2.25% |
| 3 |
0.64% |
2.13% |
| 4 |
0.60% |
2.13% |
| 2004 |
1 |
0.57% |
1.86% |
| 2 |
0.51% |
1.70% |
| Source: FDIC |