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The FDIC Preliminary Bank Earnings Report

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

March 31, 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 1.16 1.50 1.09 1.00 1.21 1.11 0.98 1.56 1.12 1.16 0.97
Construction and development 1.23 1.59 1.15 1.26 1.23 0.92 0.88 1.56 1.07 1.50 1.65
Commercial real estate 0.85 1.20 0.85 0.89 0.80 0.81 0.68 1.19 0.97 0.87 0.66
Multifamily residential real estate 0.64 0.60 0.53 0.49 0.73 0.35 0.48 1.18 0.20 0.61 0.57
Home equity loans 0.62 0.71 0.56 0.64 0.63 0.46 0.61 0.79 0.58 0.42 0.51
Other 1-4 Family residential 1.44 1.73 1.40 1.09 1.52 1.24 1.31 2.07 1.19 1.33 1.13
Commercial and industrial loans 1.09 1.98 1.51 1.46 0.95 1.06 0.72 1.29 1.68 1.42 1.27
Loans to individuals 2.06 2.43 2.07 2.07 2.05 2.26 1.78 1.86 2.32 1.77 1.94
Credit card loans 2.50 2.25 4.67 2.45 2.44 2.65 2.80 2.06 2.57 1.40 2.07
Other loans to individuals 1.79 2.43 1.76 1.85 1.75 1.90 1.63 1.83 1.89 1.78 1.74
All other loans and leases (including farm) 0.87 1.87 1.48 0.86 0.79 0.73 0.55 1.12 1.65 1.66 0.82
Total loans and leases 1.26 1.73 1.29 1.26 1.23 1.30 0.97 1.47 1.57 1.33 1.20
Memo: Commercial RE loans not secured by RE 1.14 0.49 0.73 1.26 1.16 0.30 1.01 1.52 3.13 1.55 1.96
Percent of Loans Noncurrent*
All real estate loans 1.00 1.02 0.87 0.86 1.08 1.12 0.81 1.34 0.77 0.93 0.77
Construction and development 1.06 1.01 1.01 1.04 1.10 1.15 0.88 1.25 0.82 0.87 1.28
Commercial real estate 1.01 1.13 0.95 0.94 1.07 1.00 0.89 1.33 0.93 1.01 0.84
Multifamily residential real estate 0.43 0.75 0.52 0.39 0.40 0.28 0.40 0.56 0.49 0.86 0.35
Home equity loans 0.36 0.34 0.33 0.38 0.36 0.28 0.32 0.50 0.29 0.34 0.25
Other 1-4 Family residential 1.05 0.88 0.76 0.83 1.18 1.09 0.85 1.66 0.66 0.83 0.59
Commercial and industrial loans 2.61 1.74 1.45 1.78 2.92 3.22 2.51 2.37 1.29 1.71 2.32
Loans to individuals 1.49 0.95 0.88 1.27 1.62 2.11 0.81 0.75 1.67 0.70 1.45
Credit card loans 2.28 1.69 3.30 2.34 2.24 2.50 2.07 1.65 2.15 1.04 2.06
Other loans to individuals 1.01 0.93 0.59 0.66 1.16 1.75 0.62 0.62 0.84 0.70 0.45
All other loans and leases (including farm) 0.90 1.26 1.24 0.76 0.88 0.85 0.81 0.88 1.35 1.36 1.01
Total loans and leases 1.47 1.16 0.99 1.11 1.65 1.90 1.21 1.48 1.14 1.10 1.23
Memo: Commercial RE loans not secured by RE 0.73 0.56 0.14 0.60 0.77 0.08 1.15 1.36 1.01 0.28 0.33
Percent of Loans Charged-off (net, annual)
All real estate loans 0.15 0.06 0.09 0.14 0.18 0.12 0.12 0.29 0.08 0.07 0.09
Construction and development 0.14 0.09 0.10 0.25 0.11 0.22 0.08 0.12 0.09 0.03 0.29
Commercial real estate 0.16 0.10 0.11 0.15 0.19 0.09 0.11 0.35 0.12 0.08 0.08
Multifamily residential real estate 0.04 0.05 0.05 0.06 0.03 0.01 0.01 0.12 0.02 -0.01 0.03
Home equity loans 0.21 0.03 0.04 0.16 0.24 0.06 0.19 0.38 0.14 0.14 0.06
Other 1-4 Family residential 0.14 0.05 0.07 0.10 0.17 0.08 0.12 0.30 0.06 0.08 0.03
Commercial and industrial loans 1.45 0.47 0.50 1.22 1.63 1.48 1.42 1.47 0.66 0.75 1.96
Loans to individuals 3.98 0.73 1.67 3.29 4.52 5.93 1.57 2.01 4.71 0.98 4.09
Credit card loans 8.19 3.62 8.40 6.87 8.42 10.68 3.52 5.34 7.12 3.37 5.60
Other loans to individuals 1.47 0.65 0.83 1.22 1.69 1.86 1.27 1.48 0.45 0.91 1.52
All other loans and leases (including farm) 0.45 0.20 0.27 0.40 0.47 0.45 0.22 0.67 0.17 0.37 0.72
Total loans and leases 1.14 0.23 0.34 0.91 1.39 1.84 0.62 0.84 1.33 0.37 1.26
Memo: Commercial RE loans not secured by RE 0.12 1.30 0.06 0.21 0.11 0.13 0.20 0.02 0.05 0.30 0.04
Loans Outstanding (in billions)
All real estate loans $1,810.5 $80.1 $355.9 $314.9 $1,059.6 $371.0 $546.9 $433.6 $118.6 $91.6 $248.8
Construction and development 194.5 7.3 44.6 40.9 101.6 20.7 69.5 47.8 10.5 14.3 31.6
Commercial real estate 518.6 23.9 140.1 112.6 242.0 85.5 158.1 122.0 32.5 35.0 85.5
Multifamily residential real estate 65.8 1.8 12.6 13.9 37.6 15.5 16.5 17.2 3.4 2.8 10.4
Home equity loans 166.5 2.3 16.1 19.2 128.9 33.7 53.0 52.8 5.6 1.6 19.8
Other 1-4 Family residential 794.0 34.5 127.7 123.8 508.0 182.9 239.6 184.7 55.5 33.9 97.4
Commercial and industrial loans 966.9 23.1 94.4 114.5 734.9 327.9 240.1 223.3 42.7 37.2 95.7
Loans to individuals 649.2 16.4 56.4 92.9 483.5 265.6 122.7 95.3 61.1 22.1 82.4
Credit card loans 247.9 0.4 6.1 33.4 208.0 128.6 16.1 12.6 38.6 0.6 51.3
Other loans to individuals 401.3 16.0 50.4 59.6 275.4 137.0 106.6 82.8 22.5 21.5 31.1
All other loans and leases (including farm) 470.5 15.3 27.0 37.7 390.5 189.7 97.5 113.5 28.8 9.6 31.3
Total loans and leases 3,897.1 134.9 533.8 559.9 2,668.5 1,154.2 1,007.2 865.8 251.3 160.5 458.2
Memo: Commercial RE loans not secured by RE 41.7 0.3 1.7 3.5 36.3 12.0 11.8 8.9 0.9 0.7 7.5
Memo: Other Real Estate Owned (in millions)
All other real estate owned $3,808.6 $325.5 $974.6 $633.4 $1,875.1 $570.7 $1,383.9 $798.7 $279.0 $322.7 $453.6
Construction and development 358.8 34.8 170.7 67.2 86.1 51.9 127.6 55.5 33.7 46.2 44.0
Commercial real estate 1,822.5 146.9 414.7 337.4 923.5 263.3 749.8 255.6 114.5 160.4 278.8
Multifamily residential real estate 64.6 8.0 37.0 10.2 9.5 9.4 13.4 15.4 13.7 5.0 7.8
1-4 Family residential 1,380.1 111.1 308.5 213.0 747.5 141.8 479.5 461.0 97.7 90.4 109.7
Farmland 76.7 24.6 42.3 4.2 5.5 2.0 13.6 11.2 19.2 20.8 9.8
Other real estate owned in foreign offices 105.9 0.0 1.4 1.5 103.0 102.3 0.0 0.0 0.0 0.0 3.6

*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 06/03/2002 Questions, Suggestions & Requests