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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
December 31, 2016 All
Community Banks
New York Atlanta Chicago Kansas City Dallas San Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.54 0.47 0.66 0.57 0.52 0.70 0.28
Construction and development 0.39 0.23 0.42 0.34 0.39 0.49 0.45
Nonfarm nonresidential 0.33 0.30 0.34 0.34 0.40 0.44 0.16
Multifamily residential real estate 0.16 0.13 0.28 0.19 0.22 0.31 0.01
Home equity loans 0.44 0.45 0.46 0.43 0.33 0.48 0.48
Other 1-4 family residential 0.92 0.81 1.22 1.00 0.77 1.19 0.49
Commercial and industrial loans 0.52 0.47 0.60 0.40 0.50 0.72 0.43
Loans to individuals 1.72 2.16 1.84 1.04 1.12 2.54 1.04
Credit card loans 2.10 2.23 1.26 1.19 4.04 1.14 0.99
Other loans to individuals 1.71 2.16 1.86 1.04 0.94 2.57 1.04
All other loans and leases (including farm) 0.39 0.26 0.22 0.31 0.39 0.50 0.60
Total loans and leases 0.57 0.52 0.68 0.55 0.52 0.78 0.35
Percent of Loans Noncurrent**
All loans secured by real estate 0.96 1.13 1.02 1.06 0.76 0.92 0.54
Construction and development 1.08 1.08 1.66 0.90 1.16 0.87 0.87
Nonfarm nonresidential 0.83 0.98 0.79 1.00 0.84 0.77 0.38
Multifamily residential real estate 0.27 0.16 0.65 0.50 0.32 0.46 0.11
Home equity loans 0.62 0.79 0.50 0.68 0.27 0.62 0.49
Other 1-4 family residential 1.30 1.68 1.19 1.34 0.69 1.20 0.85
Commercial and industrial loans 1.33 1.49 0.83 0.90 0.97 2.25 0.87
Loans to individuals 0.78 0.63 0.87 0.39 0.49 1.62 0.33
Credit card loans 1.12 1.31 0.39 0.93 1.74 0.63 0.77
Other loans to individuals 0.77 0.61 0.88 0.37 0.41 1.64 0.31
All other loans and leases (including farm) 0.72 1.58 0.40 0.48 0.62 0.63 0.50
Total loans and leases 0.99 1.17 0.98 0.98 0.76 1.14 0.58
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.06 0.07 0.08 0.08 0.04 0.05 -0.01
Construction and development 0.02 0.04 0.17 -0.02 -0.02 -0.01 -0.05
Nonfarm nonresidential 0.06 0.08 0.06 0.09 0.06 0.07 0.00
Multifamily residential real estate 0.02 0.01 0.10 0.02 0.11 0.01 -0.01
Home equity loans 0.06 0.07 0.07 0.09 0.01 0.05 0.01
Other 1-4 family residential 0.07 0.08 0.09 0.11 0.05 0.06 0.00
Commercial and industrial loans 0.39 0.58 0.26 0.27 0.26 0.53 0.15
Loans to individuals 0.90 0.94 0.92 0.63 1.06 1.05 0.69
Credit card loans 5.41 4.23 1.31 3.60 13.29 1.49 2.12
Other loans to individuals 0.73 0.82 0.91 0.52 0.40 1.04 0.59
All other loans and leases (including farm) 0.32 0.63 0.30 0.21 0.17 0.48 0.31
Total loans and leases 0.15 0.17 0.14 0.14 0.14 0.20 0.06
Loans Outstanding (in billions)
All real estate loans $1,160.7 $353.6 $138.5 $203.1 $157.5 $201.2 $106.8
Construction and development 101.9 20.8 15.8 13.9 13.5 29.0 9.0
Nonfarm nonresidential 445.4 125.5 59.9 74.3 51.9 82.7 51.0
Multifamily residential real estate 105.4 56.9 6.2 15.5 8.4 7.6 10.8
Home equity loans 50.7 17.0 7.8 11.4 4.9 4.7 4.9
Other 1-4 family residential 389.9 131.3 44.6 71.8 49.7 64.6 27.8
Commercial and industrial loans 203.4 50.9 19.2 37.9 33.1 42.7 19.5
Loans to individuals 60.9 13.4 6.4 12.1 10.1 13.7 5.1
Credit card loans 2.2 0.4 0.1 0.4 0.6 0.3 0.3
Other loans to individuals 58.7 12.9 6.2 11.7 9.6 13.4 4.8
All other loans and leases (including farm) 90.4 13.1 4.4 15.3 33.9 17.4 6.3
Total loans and leases (plus unearned income) 1,515.4 431.1 168.4 268.4 234.6 275.1 137.7
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 284,645 72,850 30,620 53,061 47,062 51,462 29,589
Construction and development: 1-4 family residential 23,795 4,638 4,342 2,604 2,908 6,709 2,593
Construction and development: CRE and other 58,300 17,638 7,110 8,986 6,890 12,954 4,722
Commercial and industrial 92,007 22,948 8,622 18,894 15,038 16,487 10,019

* 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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