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TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks
Asset Size Distribution Geographical Distribution by Region
  Less
than $100
Million
$100 Million
to
$1 Billion
$1 Billion
to
$10 Billion
Greater
than $10
Billion
East West
December 31, 2000 All
Institutions
North-
east
South-
east
Central Mid-
west
South-
west
West
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 1.26 1.42 1.03 0.97 1.42 1.22 1.44 1.37 1.00 1.17 0.86
Construction and development 1.06 1.20 1.07 0.86 1.14 0.77 0.85 1.66 1.08 1.09 1.00
Commercial real estate 0.74 1.08 0.70 0.74 0.72 0.81 0.64 0.88 0.83 0.89 0.54
Multifamily residential real estate 0.55 0.80 0.51 0.48 0.58 0.45 0.57 0.81 0.57 0.67 0.32
Home equity loans 0.98 0.75 0.69 1.04 1.02 0.76 0.78 1.40 0.81 0.88 1.09
Other 1-4 Family residential 1.72 1.85 1.43 1.21 1.92 1.51 2.17 1.69 1.15 1.51 1.15
Commercial and industrial loans* 0.83 1.53 1.31 1.17 0.64 0.57 0.66 1.07 1.38 1.29 1.13
Loans to individuals 2.46 2.62 2.39 2.54 2.45 2.66 2.44 2.57 2.30 1.92 2.17
Credit card loans 2.66 1.87 3.79 2.90 2.57 3.03 2.97 1.39 2.43 1.44 2.12
Other loans to individuals 2.32 2.65 2.14 2.33 2.33 2.27 2.26 2.74 2.14 1.94 2.27
All other loans and leases (including farm) 0.65 N/A N/A 1.03 0.66 0.65 0.48 0.92 0.65 0.49 0.55
Memo: Commercial RE loans not secured by RE 0.67 1.42 0.70 0.59 0.67 0.57 0.34 1.76 0.71 0.66 0.42
Percent of Loans Noncurrent**
All real estate loans 0.81 0.75 0.64 0.70 0.91 0.86 0.89 0.87 0.55 0.76 0.58
Construction and development 0.76 0.64 0.75 0.77 0.76 0.80 0.78 0.82 0.77 0.76 0.60
Commercial real estate 0.72 0.83 0.64 0.71 0.76 0.71 0.71 0.83 0.62 0.83 0.61
Multifamily residential real estate 0.44 0.34 0.40 0.38 0.48 0.25 0.57 0.50 0.42 0.23 0.51
Home equity loans 0.37 0.26 0.31 0.38 0.38 0.30 0.22 0.65 0.29 0.33 0.33
Other 1-4 Family residential 0.90 0.71 0.60 0.72 1.05 0.85 1.12 0.97 0.46 0.70 0.53
Commercial and industrial loans* 1.67 1.21 1.20 1.39 1.73 1.74 1.87 1.44 1.22 1.48 1.69
Loans to individuals 1.40 0.87 0.87 1.15 1.56 2.09 0.98 0.72 1.16 0.58 1.27
Credit card loans 2.01 0.96 2.57 1.98 1.99 2.42 2.06 0.82 1.54 0.64 1.63
Other loans to individuals 0.98 0.86 0.57 0.65 1.17 1.76 0.60 0.70 0.72 0.58 0.48
All other loans and leases (including farm) 0.69 N/A N/A 0.60 0.74 0.51 0.88 0.81 0.55 0.66 0.99
Memo: Commercial RE loans not secured by RE 0.51 1.10 0.40 0.20 0.54 0.40 0.94 0.60 0.15 1.14 0.07
Percent of Loans Charged-off (net)
All real estate loans 0.09 0.06 0.05 0.09 0.11 0.09 0.09 0.11 0.12 0.09 0.06
Construction and development 0.05 0.09 0.04 0.08 0.05 0.04 0.04 0.05 0.10 0.07 0.06
Commercial real estate 0.05 0.07 0.04 0.05 0.06 0.03 0.05 0.10 0.03 0.08 0.02
Multifamily residential real estate 0.02 0.06 0.03 0.01 0.02 -0.02 0.02 0.03 -0.04 0.02 0.12
Home equity loans 0.18 0.08 0.04 0.15 0.21 0.13 0.17 0.29 0.20 0.32 0.06
Other 1-4 Family residential 0.10 0.06 0.06 0.12 0.11 0.09 0.10 0.10 0.19 0.09 0.10
Commercial and industrial loans* 0.77 0.47 0.54 0.84 0.77 0.68 0.83 0.56 0.65 0.82 1.40
Loans to individuals 2.30 1.65 1.34 2.43 2.44 2.74 1.81 1.26 3.17 0.95 2.92
Credit card loans 4.30 19.77 5.34 5.08 4.02 4.37 3.81 4.11 5.64 3.52 3.82
Other loans to individuals 1.03 0.70 0.63 0.96 1.17 1.14 1.14 0.87 0.55 0.85 1.25
All other loans and leases (including farm) 0.23 N/A N/A 0.33 0.24 0.13 0.23 0.31 0.27 0.12 0.60
Memo: Commercial RE loans not secured by RE 0.09 0.98 0.89 0.02 0.07 0.17 0.10 0.04 0.07 0.02 -0.01
Loans Outstanding (in billions)
All real estate loans $1,670.3 $81.6 $324.8 $308.5 $955.4 $360.0 $543.3 $347.0 $131.0 $91.4 $197.6
Construction and development 162.1 6.9 35.5 37.0 82.7 16.9 60.4 32.0 13.8 12.1 26.8
Commercial real estate 465.5 22.9 120.0 105.7 216.9 79.4 141.1 99.5 36.8 34.5 74.2
Multifamily residential real estate 60.2 1.7 10.9 12.3 35.2 15.5 16.3 12.8 4.0 2.6 8.9
Home equity loans 127.5 2.0 13.8 19.3 92.3 27.0 43.1 34.4 7.5 1.9 13.5
Other 1-4 Family residential 788.9 37.8 130.9 129.6 490.6 191.3 272.8 159.7 58.3 36.5 70.3
Commercial and industrial loans 1,048.2 24.6 91.7 123.9 808.1 348.0 279.6 210.5 64.3 44.8 101.0
Loans to individuals 609.7 19.1 62.0 98.2 430.4 229.1 129.6 79.1 52.4 32.3 87.1
Credit card loans. 249.4 0.7 9.3 36.8 202.5 116.6 33.7 10.1 28.0 1.3 59.8
Other loans to individuals 360.3 18.4 52.6 61.4 227.9 112.5 95.9 69.1 24.4 31.0 27.4
All other loans and leases (including farm) 490.9 16.9 26.8 30.9 416.4 202.8 106.1 91.4 38.4 14.2 37.9
Memo: Commercial RE loans not secured by RE 33.4 0.2 1.1 3.1 29.1 11.2 8.6 4.8 2.4 0.7 5.7
Memo: Other Real Estate Owned (in millions)
All other real estate owned $2,904.6 $258.6 $679.6 $408.1 $1,558.3 $750.7 $966.3 $415.5 $236.6 $236.5 $298.9
Construction and development 216.6 19.8 101.1 41.7 53.9 40.7 93.8 22.8 16.2 20.8 22.4
Commercial real estate 1,320.8 120.7 299.8 192.9 707.4 362.1 447.4 145.5 93.3 112.8 159.7
Multifamily residential real estate 54.1 6.4 24.8 10.1 12.9 14.8 9.5 6.1 6.0 9.8 8.0
1-4 Family residential 1,056.9 84.6 226.0 157.1 589.1 162.5 405.1 232.8 82.2 75.0 99.4
Farmland 85.3 27.1 27.6 5.2 25.4 1.6 10.6 8.3 39.0 18.0 7.8
Other real estate owned in foreign offices 170.8 0.0 0.2 1.1 169.5 169.1 0.0 0.0 0.0 0.0 1.7
* 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 03/07/2001 Questions, Suggestions & Requests