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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
    Geographic Regions*
March 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 0.58 0.50 0.68 0.60 0.61 0.70 0.36
Construction and development 0.47 0.32 0.44 0.45 0.62 0.55 0.36
Nonfarm nonresidential 0.37 0.36 0.42 0.41 0.37 0.42 0.23
Multifamily residential real estate 0.17 0.15 0.20 0.29 0.13 0.19 0.13
Home equity loans 0.38 0.43 0.45 0.39 0.27 0.36 0.23
Other 1-4 family residential 0.91 0.78 1.21 0.95 0.76 1.15 0.65
Commercial and industrial loans 0.58 0.46 0.52 0.42 0.67 0.86 0.44
Loans to individuals 1.55 2.46 1.44 0.82 0.97 2.11 0.72
Credit card loans 1.66 2.14 1.02 1.04 2.73 0.95 1.03
Other loans to individuals 1.54 2.47 1.45 0.81 0.87 2.14 0.70
All other loans and leases (including farm) 0.77 0.27 0.52 0.57 1.08 0.73 0.78
Total loans and leases 0.63 0.55 0.69 0.58 0.70 0.80 0.40
Percent of Loans Noncurrent**
All loans secured by real estate 1.12 1.33 1.34 1.21 0.78 1.00 0.68
Construction and development 1.39 1.48 2.51 1.29 1.25 0.94 0.99
Nonfarm nonresidential 1.01 1.18 1.12 1.14 0.87 0.89 0.57
Multifamily residential real estate 0.37 0.23 0.71 0.67 0.54 0.57 0.09
Home equity loans 0.74 0.86 0.67 0.82 0.38 0.71 0.67
Other 1-4 family residential 1.44 1.90 1.37 1.48 0.75 1.24 0.93
Commercial and industrial loans 1.20 1.38 0.96 1.01 0.96 1.52 1.01
Loans to individuals 0.67 0.70 0.87 0.43 0.49 1.02 0.32
Credit card loans 1.02 1.40 0.56 0.98 1.29 0.70 0.62
Other loans to individuals 0.66 0.68 0.88 0.41 0.45 1.02 0.30
All other loans and leases (including farm) 0.98 3.22 0.50 0.47 0.58 0.75 0.88
Total loans and leases 1.11 1.38 1.26 1.11 0.76 1.07 0.73
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.03 0.05 0.02 0.06 0.02 0.03 -0.03
Construction and development -0.04 -0.02 -0.01 0.08 -0.07 -0.08 -0.17
Nonfarm nonresidential 0.03 0.03 0.00 0.02 0.05 0.05 -0.03
Multifamily residential real estate 0.01 0.01 -0.06 0.06 0.00 0.00 0.00
Home equity loans 0.06 0.09 0.03 0.10 0.01 0.02 -0.01
Other 1-4 family residential 0.06 0.08 0.07 0.09 0.03 0.05 0.00
Commercial and industrial loans 0.21 0.16 0.28 0.16 0.13 0.38 0.17
Loans to individuals 0.80 0.96 0.77 0.57 0.89 0.85 0.70
Credit card loans 5.09 4.21 1.05 3.47 12.68 1.36 1.98
Other loans to individuals 0.65 0.83 0.77 0.46 0.27 0.84 0.62
All other loans and leases (including farm) 0.16 0.22 0.23 0.09 0.09 0.29 0.26
Total loans and leases 0.10 0.09 0.09 0.10 0.09 0.14 0.04
Loans Outstanding (in billions)
All real estate loans $1,102.3 $334.4 $134.1 $194.8 $151.6 $191.4 $95.9
Construction and development 95.2 18.9 15.6 12.3 12.5 27.7 8.2
Nonfarm nonresidential 421.3 118.2 57.0 71.0 50.0 77.6 47.5
Multifamily residential real estate 95.4 50.9 6.2 14.7 7.9 7.0 8.7
Home equity loans 49.9 17.0 7.5 11.3 4.7 4.4 5.0
Other 1-4 family residential 376.3 127.4 43.7 70.3 48.9 62.6 23.3
Commercial and industrial loans 196.8 48.8 18.6 36.5 32.5 42.1 18.3
Loans to individuals 59.5 12.7 6.7 11.7 9.8 13.6 5.1
Credit card loans 2.1 0.5 0.1 0.4 0.5 0.3 0.3
Other loans to individuals 57.4 12.2 6.6 11.3 9.3 13.3 4.8
All other loans and leases (including farm) 86.4 12.1 4.0 14.1 33.7 16.8 5.8
Total loans and leases (plus unearned income) 1,444.9 408.0 163.4 257.1 227.6 263.8 125.0
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 278,354 72,135 29,679 51,091 46,880 50,342 28,227
Construction and development: 1-4 family residential 21,914 4,673 3,902 2,397 2,504 6,084 2,354
Construction and development: CRE and other 55,033 17,225 7,435 7,588 6,341 12,053 4,391
Commercial and industrial 90,409 22,289 8,294 18,834 15,085 16,324 9,582

* 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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