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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table VI-B. Loan Performance, FDIC-Insured Community Banks
September 30, 2015 All
Community Banks
Geographic Regions*
New York Atlanta Chicago Kansas City Dallas San Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.55 0.51 0.67 0.61 0.48 0.63 0.33
Construction and development 0.49 0.43 0.75 0.40 0.47 0.45 0.43
Nonfarm nonresidential 0.37 0.35 0.43 0.40 0.39 0.43 0.22
Multifamily residential real estate 0.17 0.14 0.21 0.26 0.27 0.15 0.07
Home equity loans 0.44 0.49 0.52 0.44 0.35 0.44 0.28
Other 1-4 family residential 0.89 0.79 1.05 1.02 0.73 1.04 0.64
Commercial and industrial loans 0.51 0.47 0.57 0.41 0.58 0.62 0.41
Loans to individuals 1.70 2.97 1.68 1.01 1.03 1.96 0.79
Credit card loans 1.85 2.43 1.44 1.31 3.05 1.23 0.91
Other loans to individuals 1.70 2.99 1.68 1.00 0.93 1.98 0.78
All other loans and leases (including farm) 0.34 0.34 0.21 0.32 0.35 0.34 0.38
Total loans and leases 0.58 0.58 0.69 0.59 0.50 0.68 0.36
Percent of Loans Noncurrent**
All loans secured by real estate 1.22 1.44 1.54 1.37 0.81 1.04 0.75
Construction and development 1.76 1.76 3.16 1.95 1.59 1.05 1.39
Nonfarm nonresidential 1.10 1.25 1.34 1.27 0.93 0.93 0.63
Multifamily residential real estate 0.44 0.22 0.71 0.89 0.45 0.96 0.21
Home equity loans 0.78 0.93 0.73 0.85 0.39 0.57 0.71
Other 1-4 family residential 1.53 2.01 1.49 1.65 0.81 1.24 0.91
Commercial and industrial loans 1.09 1.07 1.15 1.03 1.01 1.29 0.93
Loans to individuals 0.71 0.81 1.04 0.47 0.45 1.00 0.35
Credit card loans 0.98 1.34 0.59 0.88 1.25 0.66 0.73
Other loans to individuals 0.70 0.79 1.05 0.45 0.41 1.01 0.32
All other loans and leases (including farm) 0.96 4.30 0.58 0.36 0.43 0.44 0.64
Total loans and leases 1.17 1.46 1.45 1.22 0.77 1.04 0.76
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.08 0.11 0.11 0.11 0.03 0.05 -0.05
Construction and development 0.04 0.18 0.16 0.03 -0.20 0.03 -0.10
Nonfarm nonresidential 0.07 0.15 0.09 0.08 0.06 0.04 -0.06
Multifamily residential real estate 0.02 0.02 0.07 0.03 0.01 0.06 -0.01
Home equity loans 0.12 0.15 0.12 0.20 0.06 0.06 -0.03
Other 1-4 family residential 0.10 0.10 0.11 0.17 0.06 0.08 -0.02
Commercial and industrial loans 0.22 0.24 0.21 0.25 0.16 0.28 0.08
Loans to individuals 0.74 0.93 0.71 0.55 0.68 0.81 0.66
Credit card loans 4.15 4.09 1.33 3.49 9.62 1.32 1.94
Other loans to individuals 0.61 0.81 0.69 0.43 0.24 0.80 0.54
All other loans and leases (including farm) 0.13 0.15 0.21 0.16 0.05 0.16 0.40
Total loans and leases 0.13 0.16 0.15 0.15 0.08 0.14 0.02
Loans Outstanding (in billions)
All real estate loans $1,076.0 $321.0 $134.6 $194.8 $146.9 $185.1 $93.7
Construction and development 90.3 17.2 15.1 12.0 11.8 26.3 8.0
Nonfarm nonresidential 412.0 113.1 57.7 70.8 48.5 74.8 47.1
Multifamily residential real estate 87.6 45.2 6.2 14.2 7.3 6.4 8.2
Home equity loans 50.1 16.8 7.7 11.6 4.6 4.3 5.0
Other 1-4 family residential 373.8 126.7 43.9 71.2 48.1 61.6 22.4
Commercial and industrial loans 193.0 46.3 18.7 36.2 31.8 41.2 18.7
Loans to individuals 59.9 12.8 6.6 12.1 9.8 13.7 5.0
Credit card loans 2.2 0.5 0.1 0.4 0.5 0.3 0.4
Other loans to individuals 57.8 12.3 6.4 11.7 9.3 13.4 4.6
All other loans and leases (including farm) 86.0 11.4 4.0 14.1 33.4 17.1 6.0
Total loans and leases (plus unearned income) 1,415.0 391.4 164.0 257.3 221.9 257.1 123.4
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 286,501 68,982 29,546 49,809 44,239 48,538 45,386
Construction and development: 1-4 family residential 22,486 4,671 3,891 2,502 2,735 6,356 2,330
Construction and development: CRE and other 51,846 15,658 7,282 7,535 5,712 11,466 4,193
Commercial and industrial 89,301 21,510 8,297 18,561 14,677 16,414 9,841

* See Table V-A for explanations.

**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.

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