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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
June 30, 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 0.49 0.42 0.56 0.57 0.48 0.58 0.28
Construction and development 0.43 0.38 0.47 0.58 0.35 0.47 0.26
Nonfarm nonresidential 0.31 0.28 0.31 0.39 0.36 0.35 0.17
Multifamily residential real estate 0.12 0.09 0.11 0.21 0.24 0.14 0.02
Home equity loans 0.38 0.42 0.44 0.40 0.31 0.43 0.21
Other 1-4 family residential 0.79 0.68 0.99 0.88 0.65 0.98 0.60
Commercial and industrial loans 0.53 0.43 0.54 0.39 0.61 0.70 0.48
Loans to individuals 1.44 1.76 1.54 0.91 0.99 2.15 0.78
Credit card loans 1.81 2.18 1.00 1.17 3.17 0.93 1.08
Other loans to individuals 1.43 1.75 1.55 0.90 0.87 2.18 0.76
All other loans and leases (including farm) 0.44 0.28 0.28 0.37 0.58 0.38 0.41
Total loans and leases 0.53 0.46 0.59 0.55 0.54 0.67 0.33
Percent of Loans Noncurrent*
All loans secured by real estate 1.05 1.23 1.19 1.16 0.77 0.93 0.65
Construction and development 1.24 1.25 2.10 1.24 1.19 0.87 0.96
Nonfarm nonresidential 0.93 1.10 0.99 1.10 0.85 0.79 0.53
Multifamily residential real estate 0.32 0.20 0.71 0.60 0.44 0.44 0.10
Home equity loans 0.69 0.83 0.61 0.73 0.31 0.64 0.66
Other 1-4 family residential 1.36 1.78 1.26 1.41 0.72 1.19 0.90
Commercial and industrial loans 1.21 1.38 0.80 1.00 0.95 1.70 0.96
Loans to individuals 0.69 0.68 0.84 0.37 0.45 1.23 0.29
Credit card loans 0.97 1.37 0.43 0.90 1.19 0.63 0.64
Other loans to individuals 0.68 0.65 0.85 0.35 0.41 1.25 0.27
All other loans and leases (including farm) 0.98 3.02 0.48 0.61 0.67 0.68 0.68
Total loans and leases 1.05 1.29 1.11 1.07 0.77 1.05 0.68
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.04 0.06 0.06 0.07 0.02 0.03 -0.03
Construction and development 0.01 0.06 0.13 0.05 -0.05 -0.05 -0.13
Nonfarm nonresidential 0.04 0.05 0.04 0.06 0.03 0.04 -0.02
Multifamily residential real estate 0.01 0.01 0.02 0.04 0.04 -0.01 -0.02
Home equity loans 0.07 0.09 0.07 0.11 0.00 0.04 0.01
Other 1-4 family residential 0.07 0.09 0.07 0.10 0.04 0.05 -0.01
Commercial and industrial loans 0.27 0.27 0.28 0.20 0.17 0.44 0.16
Loans to individuals 0.77 0.89 0.74 0.55 0.88 0.84 0.60
Credit card loans 4.94 4.06 1.26 3.52 12.03 1.26 1.95
Other loans to individuals 0.61 0.77 0.73 0.44 0.28 0.83 0.51
All other loans and leases (including farm) 0.20 0.18 0.24 0.15 0.09 0.46 0.19
Total loans and leases 0.11 0.11 0.12 0.11 0.09 0.17 0.04
Loans Outstanding (in billions)
All real estate loans $1,126.3 $342.8 $137.1 $196.6 $153.3 $197.0 $99.5
Construction and development 97.6 19.5 15.8 12.7 12.7 28.3 8.6
Nonfarm nonresidential 430.7 121.5 58.6 71.7 50.2 79.9 48.9
Multifamily residential real estate 98.8 53.3 6.4 14.6 7.9 7.4 9.3
Home equity loans 50.7 17.2 7.6 11.4 4.8 4.6 5.1
Other 1-4 family residential 382.4 129.3 44.5 70.5 49.4 64.4 24.3
Commercial and industrial loans 201.7 49.9 19.2 37.5 33.3 42.9 18.9
Loans to individuals 60.8 12.9 7.0 11.9 10.0 13.8 5.3
Credit card loans 2.1 0.5 0.1 0.4 0.5 0.3 0.3
Other loans to individuals 58.7 12.4 6.8 11.5 9.5 13.5 5.0
All other loans and leases (including farm) 90.3 12.7 4.5 14.6 34.1 18.0 6.4
Total loans and leases (plus unearned income) 1,479.1 418.3 167.7 260.6 230.7 271.6 130.1
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 281,309 72,926 30,357 51,695 46,420 50,956 28,955
Construction and development: 1-4 family residential 23,961 5,042 4,190 2,669 2,931 6,507 2,622
Construction and development: CRE and other 57,084 17,564 7,705 8,117 6,503 12,511 4,684
Commercial and industrial 88,950 22,104 8,168 18,296 14,456 16,337 9,588

* 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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