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Quarterly Banking Profile

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
Less
than $100
Million
$100 Million
to
$1 Billion
$1 Billion
to
$10 Billion
Greater
than $10
Billion
East West
March 31, 2001 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 1.23 1.53 1.19 1.04 1.29 1.15 1.31 1.35 1.10 1.29 1.03
Construction and development 1.25 1.44 1.47 1.24 1.14 1.16 1.08 1.43 1.26 1.47 1.33
Commercial real estate 0.87 1.23 0.92 0.88 0.80 0.89 0.76 1.02 0.98 1.07 0.71
Multifamily residential real estate 0.64 0.72 0.72 0.86 0.54 0.33 0.63 0.92 0.83 0.94 0.61
Home equity loans 0.93 1.02 0.85 0.95 0.94 0.66 0.98 1.16 0.76 0.70 0.88
Other 1-4 Family residential 1.49 1.76 1.39 1.11 1.59 1.28 1.73 1.61 1.06 1.40 1.22
Commercial and industrial loans 0.88 2.03 1.57 1.38 0.68 0.60 0.63 1.16 1.57 1.42 1.23
Loans to individuals 2.15 2.39 2.08 2.22 2.13 2.47 1.93 1.93 2.24 1.80 1.91
Credit card loans 2.54 2.16 4.21 2.65 2.45 2.85 2.62 1.56 2.54 1.44 2.05
Other loans to individuals 1.92 2.39 1.79 1.95 1.91 2.13 1.73 1.97 2.00 1.81 1.68
All other loans and leases (including farm) 0.87 1.87 1.39 1.20 0.77 0.67 0.42 1.29 1.95 1.63 0.96
Memo: Commercial RE loans not secured by RE 0.71 0.37 0.53 0.90 0.69 0.39 0.33 1.02 3.11 0.04 0.73
Percent of Loans Noncurrent*
All real estate loans 0.87 0.87 0.71 0.78 0.95 0.93 0.91 0.98 0.62 0.80 0.67
Construction and development 0.86 0.79 0.83 0.89 0.86 1.21 0.78 0.92 1.01 0.72 0.73
Commercial real estate 0.79 0.97 0.73 0.80 0.80 0.78 0.75 0.97 0.64 0.85 0.68
Multifamily residential real estate 0.39 0.43 0.44 0.54 0.32 0.30 0.39 0.49 0.31 0.33 0.45
Home equity loans 0.49 0.31 0.38 0.41 0.52 0.31 0.32 0.86 0.33 0.40 0.32
Other 1-4 Family residential 0.93 0.78 0.65 0.78 1.06 0.86 1.11 1.05 0.50 0.76 0.64
Commercial and industrial loans 1.82 1.51 1.34 1.58 1.92 1.90 2.06 1.60 1.20 1.62 1.82
Loans to individuals 1.40 0.89 0.88 1.24 1.54 2.15 0.84 0.65 1.31 0.61 1.36
Credit card loans 2.18 2.00 3.32 2.22 2.12 2.59 1.79 0.95 1.97 1.01 1.88
Other loans to individuals 0.96 0.86 0.55 0.63 1.14 1.77 0.56 0.62 0.79 0.60 0.47
All other loans and leases (including farm) 0.79 1.04 1.01 0.70 0.78 0.68 0.75 0.76 1.19 1.16 1.17
Memo: Commercial RE loans not secured by RE 0.47 0.33 0.33 0.28 0.51 0.40 0.69 0.69 0.26 0.17 0.17
Percent of Loans Charged-off (net, annual)
All real estate loans 0.12 0.04 0.04 0.10 0.15 0.09 0.11 0.17 0.19 0.04 0.06
Construction and development 0.11 0.08 0.02 0.12 0.14 0.04 0.15 0.19 0.12 0.03 -0.02
Commercial real estate 0.10 0.04 0.05 0.06 0.16 0.03 0.09 0.15 0.23 0.03 0.10
Multifamily residential real estate 0.03 0.11 0.02 -0.02 0.05 0.00 0.07 0.05 0.08 0.02 -0.03
Home equity loans 0.26 0.04 0.07 0.51 0.25 0.25 0.30 0.25 0.26 0.25 0.23
Other 1-4 Family residential 0.10 0.04 0.05 0.09 0.13 0.08 0.10 0.18 0.16 0.04 0.03
Commercial and industrial loans 0.90 0.35 0.43 0.67 1.00 0.71 0.98 0.90 1.07 0.66 1.30
Loans to individuals 2.43 0.72 1.38 2.78 2.57 2.94 1.90 1.39 2.70 0.87 3.24
Credit card loans 4.44 2.02 5.92 5.04 4.25 4.70 4.15 4.34 4.49 1.94 4.15
Other loans to individuals 1.17 0.67 0.68 1.22 1.29 1.27 1.17 1.05 1.00 0.82 1.47
All other loans and leases (including farm) 0.38 0.19 0.24 0.35 0.40 0.19 0.20 0.63 0.37 0.29 1.36
Memo: Commercial RE loans not secured by RE 0.32 2.17 1.16 0.23 0.28 0.73 0.18 0.08 0.22 0.59 0.02
Loans Outstanding (in billions)
All real estate loans $1,698.7 $81.0 $328.5 $308.7 $980.4 $362.3 $548.1 $364.3 $131.1 $84.1 $208.7
Construction and development 173.8 7.3 37.7 39.9 88.9 16.9 63.7 36.8 14.5 12.8 29.2
Commercial real estate 469.4 22.6 122.4 104.9 219.5 79.1 143.7 103.6 36.7 30.8 75.5
Multifamily residential real estate 61.0 1.8 11.0 12.5 35.8 15.3 16.8 13.5 4.0 2.4 8.9
Home equity loans 119.1 2.0 13.7 18.2 85.2 26.8 33.1 36.8 7.7 1.4 13.4
Other 1-4 Family residential 806.0 37.0 130.0 128.8 510.2 191.4 281.1 165.0 57.6 33.1 77.8
Commercial and industrial loans 1,045.6 24.5 92.4 123.5 805.2 348.8 273.6 220.4 64.0 37.1 101.8
Loans to individuals 598.4 18.4 59.8 101.8 418.4 223.8 131.7 87.6 49.0 23.1 83.3
Credit card loans 216.5 0.5 7.2 39.1 169.8 104.0 29.9 8.0 21.4 0.7 52.5
Other loans to individuals 381.8 17.9 52.6 62.7 248.6 119.7 101.9 79.5 27.5 22.4 30.8
All other loans and leases (including farm) 488.6 16.3 26.2 34.2 411.9 203.3 107.2 93.9 37.3 9.6 37.3
Memo: Commercial RE loans not secured by RE 37.4 0.5 1.5 4.2 31.2 11.5 10.6 5.7 2.5 0.7 6.4
Memo: Other Real Estate Owned (in millions)
All other real estate owned $3,053.1 $267.1 $727.6 $409.5 $1,648.8 $746.0 $1,059.0 $463.7 $236.1 $240.8 $307.5
Construction and development 260.0 27.9 124.4 45.9 61.8 42.0 108.1 39.4 19.0 27.1 24.3
Commercial real estate 1,347.6 118.8 302.0 187.6 739.2 325.2 511.5 150.8 95.7 109.4 155.0
Multifamily residential real estate 67.3 6.5 26.0 9.8 25.0 14.9 12.0 11.3 4.7 4.1 20.3
1-4 Family residential 1,121.5 89.9 240.8 160.8 630.1 192.5 412.5 253.6 83.5 80.5 98.9
Farmland 85.1 24.2 34.2 4.6 22.1 1.5 14.9 8.5 33.2 19.6 7.3
Other real estate owned in foreign offices 171.5 0.0 0.2 0.7 170.6 169.9 0.0 0.0 0.0 0.0 1.6
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 06/07/2001 Questions, Suggestions & Requests