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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, 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 0.47 0.39 0.54 0.57 0.45 0.59 0.24
Construction and development 0.40 0.26 0.39 0.40 0.60 0.43 0.33
Nonfarm nonresidential 0.32 0.30 0.33 0.42 0.34 0.35 0.14
Multifamily residential real estate 0.17 0.16 0.29 0.22 0.18 0.19 0.03
Home equity loans 0.42 0.41 0.41 0.46 0.33 0.53 0.36
Other 1-4 family residential 0.76 0.60 0.90 0.89 0.66 1.03 0.46
Commercial and industrial loans 0.49 0.39 0.48 0.39 0.57 0.70 0.40
Loans to individuals 1.47 1.74 1.64 0.93 1.03 2.22 0.82
Credit card loans 2.12 3.49 1.51 1.22 3.67 1.19 1.02
Other loans to individuals 1.45 1.72 1.64 0.92 0.89 2.24 0.80
All other loans and leases (including farm) 0.36 0.23 0.21 0.32 0.44 0.40 0.33
Total loans and leases 0.51 0.43 0.56 0.55 0.49 0.68 0.29
Percent of Loans Noncurrent*
All loans secured by real estate 0.97 1.03 1.13 1.14 0.79 0.94 0.60
Construction and development 1.15 1.06 1.95 1.12 1.10 0.88 0.92
Nonfarm nonresidential 0.86 0.89 0.90 1.08 0.88 0.82 0.45
Multifamily residential real estate 0.30 0.17 0.78 0.61 0.34 0.41 0.14
Home equity loans 0.65 0.75 0.52 0.71 0.28 0.67 0.67
Other 1-4 family residential 1.26 1.54 1.24 1.39 0.71 1.19 0.86
Commercial and industrial loans 1.27 1.29 0.85 1.05 1.01 2.00 0.95
Loans to individuals 0.77 0.69 0.85 0.39 0.49 1.52 0.33
Credit card loans 1.02 1.22 0.59 0.94 1.51 0.67 0.70
Other loans to individuals 0.76 0.68 0.86 0.37 0.43 1.54 0.30
All other loans and leases (including farm) 0.78 1.67 0.50 0.55 0.74 0.57 0.64
Total loans and leases 0.99 1.07 1.07 1.06 0.80 1.11 0.64
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.04 0.05 0.07 0.07 0.02 0.03 -0.02
Construction and development 0.00 0.03 0.09 0.00 -0.03 -0.04 -0.10
Nonfarm nonresidential 0.04 0.04 0.04 0.08 0.02 0.05 -0.01
Multifamily residential real estate 0.01 0.01 0.10 0.00 0.04 -0.01 -0.01
Home equity loans 0.06 0.07 0.07 0.09 0.00 0.03 0.00
Other 1-4 family residential 0.06 0.06 0.09 0.10 0.03 0.05 -0.01
Commercial and industrial loans 0.33 0.53 0.25 0.22 0.18 0.47 0.07
Loans to individuals 0.76 0.65 0.84 0.57 0.91 0.92 0.65
Credit card loans 5.25 4.50 1.29 3.56 12.10 1.37 2.05
Other loans to individuals 0.62 0.60 0.83 0.46 0.30 0.91 0.56
All other loans and leases (including farm) 0.28 0.81 0.28 0.16 0.08 0.44 0.22
Total loans and leases 0.12 0.14 0.12 0.12 0.09 0.17 0.03
Loans Outstanding (in billions)
All real estate loans $1,137.2 $340.3 $136.5 $200.5 $156.1 $197.1 $106.7
Construction and development 98.9 19.7 15.5 13.5 13.1 28.4 8.7
Nonfarm nonresidential 432.2 119.7 58.3 72.7 51.2 80.1 50.2
Multifamily residential real estate 102.5 54.9 6.2 15.2 8.1 7.4 10.7
Home equity loans 50.5 17.0 7.7 11.4 4.9 4.5 5.1
Other 1-4 family residential 386.4 127.2 44.7 71.7 50.1 64.2 28.6
Commercial and industrial loans 199.4 49.2 18.9 37.2 33.1 41.8 19.1
Loans to individuals 58.8 11.7 6.1 12.1 10.2 13.7 5.2
Credit card loans 1.9 0.2 0.1 0.4 0.5 0.3 0.3
Other loans to individuals 57.0 11.5 5.9 11.7 9.6 13.4 4.9
All other loans and leases (including farm) 92.5 12.6 4.6 15.4 34.5 18.7 6.7
Total loans and leases (plus unearned income) 1,488.0 413.8 166.1 265.2 233.9 271.3 137.6
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 279,899 71,717 30,345 51,656 46,292 50,327 29,563
Construction and development: 1-4 family residential 24,199 4,894 4,310 2,734 3,008 6,598 2,654
Construction and development: CRE and other 57,459 17,372 6,994 8,852 6,892 12,623 4,726
Commercial and industrial 90,196 22,303 8,500 18,072 14,923 16,357 10,040
*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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