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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks
December 31, 2017 All
Institutions
Asset Size Distribution Geographic Regions
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
to
$250Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.72 1.10 0.59 0.38 0.50 1.07 0.58 0.78 0.78 1.03 0.51 0.32
Construction and development 0.35 0.75 0.42 0.32 0.29 0.42 0.46 0.27 0.33 0.41 0.35 0.26
Nonfarm nonresidential 0.26 0.91 0.36 0.23 0.20 0.28 0.30 0.25 0.28 0.25 0.31 0.15
Multifamily residential real estate 0.13 0.64 0.23 0.11 0.10 0.13 0.17 0.08 0.11 0.18 0.19 0.08
Home equity loans 0.76 0.55 0.48 0.42 0.57 0.97 0.57 0.81 0.88 0.89 0.50 0.39
Other 1-4 Family residential 1.23 1.65 1.06 0.77 0.86 1.56 1.01 1.29 1.23 1.71 0.96 0.55
Commercial and industrial loans 0.27 1.17 0.58 0.42 0.23 0.24 0.25 0.21 0.27 0.30 0.44 0.29
Loans to individuals 1.48 2.04 1.66 1.36 1.34 1.60 1.20 2.07 1.06 1.43 1.83 1.22
Credit card loans 1.26 5.37 2.11 2.95 1.33 1.15 1.16 1.56 1.15 1.16 1.29 1.11
Other loans to individuals 1.69 1.97 1.64 1.05 1.35 2.05 1.28 2.60 1.02 1.88 1.86 1.26
All other loans and leases (including farm) 0.25 0.50 0.47 0.27 0.24 0.24 0.13 0.16 0.35 0.23 0.48 0.37
Total loans and leases 0.68 1.08 0.63 0.44 0.59 0.82 0.61 0.83 0.63 0.80 0.54 0.49
Memo: Nonfarm nonres loans not secured by RE 0.28 3.22 0.03 0.16 0.15 0.36 0.13 0.10 0.47 0.32 0.65 0.12
Percent of Loans Noncurrent*
All real estate loans 1.65 1.18 0.85 0.74 1.02 2.80 1.58 1.68 1.89 2.57 0.76 0.50
Construction and development 0.51 0.91 1.10 0.53 0.29 0.45 0.55 0.83 0.48 0.34 0.42 0.42
Nonfarm nonresidential 0.62 1.33 0.77 0.60 0.57 0.58 0.77 0.63 0.68 0.59 0.57 0.41
Multifamily residential real estate 0.14 0.79 0.41 0.13 0.11 0.12 0.15 0.13 0.15 0.26 0.19 0.06
Home equity loans 2.53 0.31 0.54 0.63 1.24 3.91 2.61 3.07 2.43 2.92 0.89 0.64
Other 1-4 Family residential 2.72 1.27 0.95 1.28 1.63 3.94 2.70 2.31 2.93 4.31 1.25 0.65
Commercial and industrial loans 0.90 1.58 1.10 1.07 1.01 0.77 0.94 0.78 0.78 0.98 1.42 0.90
Loans to individuals 0.92 0.85 0.73 0.85 1.06 0.81 1.03 1.16 0.57 0.93 1.04 0.59
Credit card loans 1.30 2.97 1.62 3.03 1.39 1.15 1.25 1.49 1.18 1.20 0.80 1.24
Other loans to individuals 0.55 0.80 0.67 0.43 0.65 0.47 0.63 0.81 0.32 0.49 1.05 0.33
All other loans and leases (including farm) 0.20 1.01 0.72 0.39 0.25 0.12 0.20 0.13 0.15 0.24 0.32 0.34
Total loans and leases 1.17 1.18 0.87 0.78 0.94 1.47 1.16 1.16 1.21 1.54 0.87 0.59
Memo: Nonfarm nonres loans not secured by RE 0.20 2.79 0.26 0.12 0.31 0.14 0.37 0.07 0.19 0.20 0.42 0.10
Percent of Loans Charged-Off (net, YTD)
All real estate loans 0.03 0.07 0.05 0.04 0.04 0.02 0.07 0.05 0.03 0.01 0.03 -0.01
Construction and development -0.02 0.05 0.04 0.00 -0.04 -0.06 0.04 0.02 -0.02 -0.11 0.00 -0.12
Nonfarm nonresidential 0.04 0.09 0.05 0.04 0.05 0.00 0.06 0.05 0.04 0.01 0.04 0.00
Multifamily residential real estate -0.01 0.04 -0.01 0.01 -0.02 -0.01 0.00 -0.02 -0.01 -0.02 0.00 0.00
Home equity loans 0.15 0.03 0.06 0.06 0.13 0.18 0.14 0.24 0.14 0.13 -0.02 0.00
Other 1-4 Family residential 0.03 0.08 0.06 0.06 0.05 0.00 0.09 0.02 0.02 0.01 0.03 0.00
Commercial and industrial loans 0.36 0.54 0.44 0.49 0.38 0.31 0.39 0.48 0.24 0.28 0.51 0.31
Loans to individuals 2.17 1.05 1.06 1.83 2.36 2.08 2.40 2.36 1.59 2.52 1.19 1.46
Credit card loans 3.51 17.74 5.22 6.36 3.72 3.19 3.20 3.87 3.39 3.37 3.06 4.18
Other loans to individuals 0.91 0.71 0.80 0.76 0.75 1.07 0.95 0.85 0.89 1.27 1.09 0.62
All other loans and leases (including farm) 0.15 0.00 0.27 0.29 0.17 0.13 0.21 0.15 0.12 0.15 0.28 0.10
Total loans and leases 0.48 0.23 0.16 0.26 0.62 0.47 0.69 0.62 0.27 0.51 0.19 0.33
Memo: Nonfarm nonres loans not secured by RE 0.01 0.01 0.14 0.13 0.05 -0.03 0.06 0.03 -0.02 -0.05 0.02 0.02
Loans Outstanding (in billions)
All real estate loans $4,302.1 $28.6 $502.1 $697.6 $1,399.1 $1,674.7 $691.1 $883.2 $930.0 $850.8 $421.3 $525.6
Construction and development 315.8 1.8 49.8 75.3 117.5 71.3 48.5 59.2 54.8 50.8 67.4 35.1
Nonfarm nonresidential 1,285.2 8.0 206.7 317.5 465.3 287.7 239.8 267.8 207.4 189.6 181.0 199.6
Multifamily residential real estate 328.5 0.8 26.9 69.6 112.2 119.1 82.2 39.9 103.4 32.0 18.1 52.9
Home equity loans 381.9 0.6 18.8 35.9 129.1 197.5 65.9 100.9 97.8 73.8 17.3 26.2
Other 1-4 Family residential 1,827.4 11.1 150.4 177.0 558.4 930.5 250.5 401.2 444.0 411.7 120.1 199.9
Commercial and industrial loans 1,942.1 5.7 91.2 166.7 702.3 976.3 274.1 492.0 434.1 409.1 134.4 198.4
Loans to individuals 1,527.6 3.1 28.3 64.8 680.8 750.5 357.4 413.1 217.1 323.3 23.3 193.4
Credit card loans 762.1 0.1 1.7 10.6 377.7 372.1 230.3 210.4 63.6 200.1 1.2 56.5
Other loans to individuals 765.4 3.0 26.6 54.2 303.1 378.4 127.1 202.6 153.5 123.1 22.1 136.9
All other loans and leases (including farm) 1,237.0 6.7 47.5 59.6 355.8 767.5 190.9 261.8 293.8 348.4 51.2 91.0
Total loans and leases (plus unearned income) 9,008.7 44.0 669.1 988.6 3,138.0 4,169.0 1,513.5 2,050.0 1,875.0 1,931.6 630.1 1,008.4
Memo: Nonfarm nonres loans not secured by RE 121.9 0.1 2.2 4.4 38.6 76.5 20.6 26.5 37.4 25.8 3.5 7.9
Memo: Other Real Estate Owned (in millions)
All other real estate owned $7,903.3 $211.7 $2,369.2 $1,689.4 $1,772.0 $1,861.1 $1,382.2 $1,760.8 $1,514.7 $1,483.0 $1,281.5 $481.2
Construction and development 2,361.7 55.5 1,051.8 689.1 333.8 231.5 219.5 640.0 286.6 492.6 545.4 177.6
Nonfarm nonresidential 2,231.3 66.1 794.9 579.8 481.5 309.0 384.3 474.2 432.7 356.8 448.0 135.3
Multifamily residential real estate 125.4 7.6 55.3 31.7 6.4 24.3 28.0 24.3 20.9 30.0 13.4 8.8
1-4 Family residential 2,667.0 57.3 391.8 333.8 865.6 1,018.5 661.5 605.4 637.0 395.6 234.7 132.8
Farmland 136.5 25.1 75.2 30.0 4.9 1.4 8.0 16.7 17.3 47.8 35.7 10.9
GNMA properties 341.5 0.2 0.2 25.0 79.8 236.4 80.9 0.2 120.1 120.2 4.3 15.8
Other real estate owned in foreign offices 40.0 0.0 0.0 0.0 0.0 40.0 0.0 0.0 0.0 40.0 0.0 0.0

* 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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