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The FDIC Preliminary Bank Earnings Report

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks
    Asset Size Distribution Geographical Distribution by Region
    Less $100 Million $1 Billion Greater East West
September 30, 2000 All than $100 to to than $10 North- South-   Mid- South-  
  Institutions Million $1 Billion $10 Billion Billion east east Central west west West

Percent of Loans 30-89 Days Past Due 

All loans secured by real estate 1.09 1.22 0.92 0.89 1.19 1.08 1.18 1.22 0.91 0.98 0.75
Construction and development 1.04 1.15 1.07 0.88 1.09 0.76 0.81 1.56 1.47 1.06 0.89
Commercial real estate 0.66 0.96 0.67 0.74 0.58 0.68 0.58 0.79 0.75 0.77 0.51
Multifamily residential real estate 0.55 0.57 0.66 0.69 0.46 0.35 0.46 0.76 0.89 0.76 0.56
Home equity loans 0.85 0.78 0.69 0.85 0.87 0.67 0.66 1.38 0.73 0.65 0.58
Other 1-4 Family residential 1.42 1.59 1.18 1.04 1.57 1.34 1.68 1.46 0.94 1.21 0.99
Commercial and industrial loans* 0.83 1.34 1.28 1.23 0.64 0.57 0.60 1.13 1.63 1.25 1.04
Loans to individuals 2.29 2.27 2.13 2.31 2.31 2.54 2.27 2.21 2.17 1.62 2.07
Credit card loans 2.61 1.96 3.88 2.78 2.51 2.91 2.93 2.20 2.26 1.24 2.13
Other loans to individuals 2.08 2.28 1.81 2.07 2.13 2.19 2.05 2.21 2.07 1.63 1.94
All other loans and leases (including farm) 0.64 N/A N/A 1.01 0.66 0.63 0.39 1.10 0.57 0.32 0.45
Memo: Commercial RE loans not secured by RE 0.57 0.89 0.53 0.38 0.58 0.15 0.22 1.11 2.34 0.44 0.85
Percent of Loans Noncurrent**
All real estate loans 0.77 0.76 0.64 0.70 0.84 0.86 0.80 0.80 0.58 0.79 0.59
Construction and development 0.74 0.56 0.72 0.77 0.76 0.76 0.75 0.77 0.77 0.85 0.62
Commercial real estate 0.75 0.80 0.64 0.76 0.80 0.81 0.70 0.82 0.69 0.89 0.65
Multifamily residential real estate 0.34 0.48 0.38 0.37 0.31 0.17 0.31 0.45 0.23 0.65 0.48
Home equity loans 0.35 0.30 0.32 0.33 0.36 0.31 0.24 0.59 0.28 0.27 0.25
Other 1-4 Family residential 0.81 0.69 0.60 0.70 0.90 0.80 0.96 0.83 0.44 0.65 0.55
Commercial and industrial loans* 1.52 1.32 1.25 1.28 1.54 1.68 1.53 1.27 1.26 1.68 1.54
Loans to individuals 1.35 0.81 0.83 1.04 1.53 2.07 0.92 0.72 1.03 0.51 1.22
Credit card loans 1.97 1.06 2.37 1.87 1.98 2.40 1.89 1.16 1.44 0.70 1.62
Other loans to individuals 0.95 0.80 0.54 0.60 1.16 1.76 0.60 0.67 0.59 0.50 0.45
All other loans and leases (including farm) 0.47 N/A N/A 0.52 0.48 0.39 0.47 0.60 0.43 0.62 0.54
Memo: Commercial RE loans not secured by RE 0.53 1.16 0.26 0.55 0.53 0.41 0.79 0.69 0.11 1.15 0.21
Percent of Loans Charged-off (net, YTD)
All real estate loans 0.08 0.04 0.04 0.08 0.10 0.07 0.09 0.10 0.10 0.06 0.06
Construction and development 0.04 0.08 0.02 0.07 0.03 0.01 0.04 0.03 0.04 0.08 0.04
Commercial real estate 0.04 0.05 0.02 0.04 0.06 0.02 0.04 0.09 0.01 0.04 0.03
Multifamily residential real estate 0.02 0.00 0.03 0.00 0.02 -0.04 0.01 0.02 -0.04 -0.01 0.16
Home equity loans 0.16 0.05 0.04 0.16 0.19 0.09 0.15 0.28 0.18 0.32 0.06
Other 1-4 Family residential 0.10 0.04 0.05 0.12 0.11 0.06 0.11 0.09 0.19 0.07 0.10
Commercial and industrial loans* 0.64 0.37 0.43 0.68 0.64 0.62 0.60 0.47 0.60 0.63 1.18
Loans to individuals 2.23 0.73 1.63 2.36 2.37 2.68 1.67 1.14 3.11 0.85 3.01
Credit card loans 4.31 4.03 7.42 5.09 3.98 4.33 3.78 3.66 5.61 3.44 4.06
Other loans to individuals 0.94 0.57 0.53 0.93 1.08 1.10 0.99 0.80 0.51 0.75 1.14
All other loans and leases (including farm) 0.20 N/A N/A 0.24 0.20 0.11 0.23 0.25 0.23 0.09 0.45
Memo: Commercial RE loans not secured by RE 0.11 0.32 0.90 0.00 0.09 0.23 0.11 0.02 0.03 0.02 -0.04
Loans Outstanding (in billions)  
All real estate loans $1,659.4 $82.7 $323.6 $304.4 $948.8 $356.4 $552.8 $338.3 $128.8 $89.7 $193.3
 Construction and development 157.3 6.9 35.2 35.0 80.1 16.5 58.2 30.9 13.6 12.0 26.1
 Commercial real estate 456.1 23.1 118.5 102.9 211.6 79.7 137.3 97.5 35.4 33.7 72.4
 Multifamily residential real estate 60.1 1.8 10.9 12.4 35.0 15.5 16.1 12.7 3.9 2.7 9.2
 Home equity loans 122.9 2.0 13.7 19.8 87.4 26.3 41.3 32.4 7.2 2.0 13.7
 Other 1-4 Family residential 797.7 38.2 131.9 130.0 497.6 189.2 290.2 156.1 58.3 35.6 68.2
Commercial and industrial loans 1,044.3 24.6 90.9 122.2 806.6 348.6 281.5 208.6 63.7 43.4 98.7
Loans to individuals 584.4 19.7 64.2 96.0 404.6 216.7 122.2 77.7 51.5 32.9 83.4
 Credit card loans 228.7 0.7 10.0 33.1 184.9 106.8 29.9 8.7 26.8 1.2 55.3
 Other loans to individuals 355.7 19.0 54.2 62.8 219.7 109.9 92.2 69.0 24.7 31.7 28.1
All other loans and leases (including farm) 492.1 17.7 27.1 32.8 414.5 205.5 105.9 92.4 37.7 13.9 36.6
Memo: Commercial RE loans not secured by RE 34.8 0.2 1.2 3.1 30.3 11.2 10.4 5.0 2.3 0.7 5.2
Memo: Other Real Estate Owned (in millions)
All other real estate owned $2,817.3 $266.7 $658.8 $397.6 $1,494.3 $759.4 $905.4 $393.7 $201.2 $238.0 $319.6
 Construction and development 214.2 22.3 92.9 39.5 59.5 40.5 94.3 22.0 14.7 19.2 23.5
 Commercial real estate& 1,245.2 122.1 292.4 183.6 647.0 344.8 411.9 133.8 78.8 110.5 165.3
 Multifamily residential real estate 53.0 8.4 25.0 11.3 8.3 9.7 7.1 8.6 6.7 9.4 11.4
 1-4 Family residential 1,036.8 84.3 215.9 156.0 580.6 172.9 382.8 218.9 75.2 77.8 109.2
 Farmland 76.5 29.5 32.5 6.3 8.2 3.3 9.3 8.6 25.7 21.0 8.7
 Other real estate owned in foreign offices 191.6 0.0 0.1 0.8 190.6 188.2 0.0 1.8 0.0 0.0 1.6
* Includes "All other loans" for institutions under $1 billion in asset size. N/A - Not Available
** 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.

Last Updated 12/05/2000 Questions, Suggestions & Requests