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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, 2017 All
Community Banks
Geographic Regions*
New York Atlanta Chicago Kansas City Dallas San Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.51 0.47 0.61 0.57 0.48 0.65 0.24
Construction and development 0.39 0.34 0.46 0.39 0.33 0.47 0.24
Nonfarm nonresidential 0.31 0.29 0.33 0.34 0.33 0.36 0.17
Multifamily residential real estate 0.13 0.12 0.06 0.19 0.14 0.28 0.05
Home equity loans 0.46 0.51 0.52 0.46 0.26 0.53 0.32
Other 1-4 family residential 0.90 0.80 1.15 0.97 0.76 1.16 0.45
Commercial and industrial loans 0.44 0.30 0.55 0.32 0.49 0.64 0.43
Loans to individuals 1.55 1.72 1.68 1.05 1.11 2.33 0.94
Credit card loans 2.13 1.59 1.33 1.31 4.01 1.50 1.03
Other loans to individuals 1.53 1.73 1.69 1.04 0.94 2.34 0.94
All other loans and leases (including farm) 0.44 0.33 0.29 0.48 0.44 0.50 0.54
Total loans and leases 0.54 0.48 0.64 0.55 0.50 0.71 0.31
Percent of Loans Noncurrent**
All loans secured by real estate 0.84 0.96 0.91 0.91 0.69 0.80 0.48
Construction and development 0.84 0.89 1.27 0.90 0.81 0.61 0.66
Nonfarm nonresidential 0.72 0.83 0.74 0.84 0.70 0.69 0.32
Multifamily residential real estate 0.22 0.16 0.39 0.42 0.29 0.26 0.05
Home equity loans 0.55 0.63 0.56 0.54 0.26 0.59 0.49
Other 1-4 family residential 1.12 1.41 1.14 1.10 0.60 1.07 0.86
Commercial and industrial loans 1.13 1.54 0.75 0.85 0.98 1.41 0.74
Loans to individuals 0.65 0.47 0.69 0.35 0.44 1.36 0.39
Credit card loans 1.25 1.62 0.70 0.93 1.79 0.58 0.76
Other loans to individuals 0.63 0.43 0.69 0.33 0.36 1.37 0.37
All other loans and leases (including farm) 0.60 0.33 0.44 0.65 0.70 0.60 0.59
Total loans and leases 0.85 0.99 0.87 0.86 0.72 0.90 0.52
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.05 0.07 0.04 0.06 0.04 0.04 -0.02
Construction and development 0.03 0.14 0.01 0.04 -0.06 0.03 -0.05
Nonfarm nonresidential 0.06 0.07 0.05 0.07 0.08 0.05 -0.02
Multifamily residential real estate 0.00 0.01 0.01 0.00 0.01 0.00 0.00
Home equity loans 0.05 0.05 0.06 0.06 0.04 0.03 -0.02
Other 1-4 family residential 0.06 0.08 0.04 0.07 0.04 0.05 -0.01
Commercial and industrial loans 0.51 0.87 0.36 0.29 0.31 0.66 0.17
Loans to individuals 0.98 0.98 0.99 0.67 1.22 1.11 0.96
Credit card loans 6.85 3.98 1.65 5.02 15.74 1.67 2.56
Other loans to individuals 0.78 0.88 0.97 0.52 0.37 1.10 0.88
All other loans and leases (including farm) 0.29 0.47 0.25 0.21 0.17 0.49 0.25
Total loans and leases 0.16 0.20 0.13 0.13 0.15 0.22 0.05
Loans Outstanding (in billions)
All real estate loans $1,194.9 $370.5 $135.5 $206.8 $167.6 $206.7 $107.8
Construction and development 106.8 24.0 15.5 15.0 14.6 28.9 8.9
Nonfarm nonresidential 457.0 130.8 59.1 75.4 55.9 84.4 51.3
Multifamily residential real estate 114.6 60.6 6.7 16.9 9.4 8.6 12.2
Home equity loans 49.7 16.3 7.5 11.0 5.2 4.9 4.9
Other 1-4 family residential 395.5 136.5 42.3 71.8 51.5 66.4 27.1
Commercial and industrial loans 205.0 49.5 20.7 39.7 35.0 41.5 18.6
Loans to individuals 61.8 14.5 7.1 12.2 10.4 13.1 4.6
Credit card loans 2.0 0.4 0.2 0.4 0.6 0.2 0.2
Other loans to individuals 59.8 14.1 6.9 11.8 9.8 12.8 4.3
All other loans and leases (including farm) 90.5 11.9 4.7 15.9 34.8 17.1 6.2
Total loans and leases (plus unearned income) 1,552.3 446.4 167.8 274.6 247.8 278.4 137.2
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 291,083 76,059 30,265 54,208 49,447 51,130 29,974
Construction and development: 1-4 family residential 25,446 5,283 4,196 2,979 3,219 6,909 2,859
Construction and development: CRE and other 61,241 18,635 6,701 10,048 7,797 12,994 5,065
Commercial and industrial 92,024 23,187 8,394 19,073 15,464 16,063 9,843

* See Table V-A for explanation.

** 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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