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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, 2017 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 0.43 0.38 0.50 0.51 0.41 0.53 0.25
Construction and development 0.39 0.27 0.39 0.39 0.36 0.39 0.79
Nonfarm nonresidential 0.28 0.26 0.29 0.31 0.29 0.33 0.14
Multifamily residential real estate 0.14 0.10 0.13 0.31 0.14 0.27 0.03
Home equity loans 0.39 0.42 0.41 0.40 0.29 0.50 0.24
Other 1-4 family residential 0.70 0.61 0.86 0.82 0.57 0.87 0.37
Commercial and industrial loans 0.44 0.28 0.57 0.35 0.53 0.59 0.44
Loans to individuals 1.44 1.86 1.48 0.83 1.00 2.06 0.82
Credit card loans 2.03 2.19 1.09 1.23 3.55 1.15 0.91
Other loans to individuals 1.42 1.85 1.48 0.82 0.85 2.08 0.82
All other loans and leases (including farm) 0.43 0.22 0.34 0.44 0.55 0.40 0.44
Total loans and leases 0.43 0.38 0.48 0.45 0.42 0.54 0.25
Percent of Loans Noncurrent**
All loans secured by real estate 0.89 1.01 0.99 1.00 0.73 0.84 0.52
Construction and development 0.96 0.91 1.50 1.00 0.97 0.73 0.83
Nonfarm nonresidential 0.78 0.88 0.79 0.96 0.74 0.73 0.35
Multifamily residential real estate 0.22 0.13 0.51 0.49 0.16 0.39 0.10
Home equity loans 0.59 0.74 0.49 0.61 0.30 0.51 0.61
Other 1-4 family residential 1.19 1.53 1.19 1.17 0.60 1.07 0.82
Commercial and industrial loans 1.28 1.78 0.90 0.94 0.97 1.59 0.87
Loans to individuals 0.69 0.56 0.82 0.35 0.44 1.39 0.32
Credit card loans 1.08 1.29 0.60 0.87 1.44 0.51 0.96
Other loans to individuals 0.68 0.54 0.82 0.34 0.38 1.40 0.28
All other loans and leases (including farm) 0.85 1.54 0.47 0.53 0.84 0.78 0.59
Total loans and leases 0.94 1.10 0.96 0.94 0.77 0.97 0.57
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.04 0.06 0.02 0.04 0.03 0.03 -0.02
Construction and development -0.02 0.03 -0.01 -0.07 -0.09 0.01 -0.05
Nonfarm nonresidential 0.04 0.08 0.02 0.04 0.04 0.03 -0.02
Multifamily residential real estate 0.01 0.00 0.02 0.00 0.09 0.01 0.00
Home equity loans 0.05 0.07 0.05 0.07 0.04 0.02 -0.01
Other 1-4 family residential 0.05 0.07 0.04 0.07 0.03 0.04 0.01
Commercial and industrial loans 0.49 1.09 0.15 0.14 0.20 0.58 0.21
Loans to individuals 0.92 0.94 0.87 0.59 1.19 1.01 0.99
Credit card loans 6.48 3.59 1.47 3.89 16.19 1.58 2.18
Other loans to individuals 0.73 0.85 0.86 0.47 0.33 1.00 0.92
All other loans and leases (including farm) 0.24 0.17 0.19 0.18 0.16 0.55 0.22
Total loans and leases 0.14 0.21 0.08 0.09 0.12 0.20 0.06
Loans Outstanding (in billions)
All real estate loans $1,185.7 $376.9 $129.7 $204.0 $163.7 $205.5 $105.9
Construction and development 102.4 22.0 14.8 13.9 13.7 29.3 8.6
Nonfarm nonresidential 453.5 132.1 56.3 74.8 54.6 84.5 51.2
Multifamily residential real estate 113.7 63.4 5.9 16.0 9.0 7.9 11.5
Home equity loans 49.6 17.0 7.0 11.0 5.0 4.7 4.8
Other 1-4 family residential 396.6 140.0 41.4 71.9 51.0 65.8 26.5
Commercial and industrial loans 206.2 52.7 18.4 39.0 34.5 42.6 19.0
Loans to individuals 60.8 14.1 6.5 12.3 10.3 13.4 4.3
Credit card loans 2.0 0.4 0.1 0.4 0.6 0.2 0.2
Other loans to individuals 58.8 13.6 6.3 11.9 9.7 13.2 4.0
All other loans and leases (including farm) 91.7 13.5 4.5 15.2 34.2 17.9 6.3
Total loans and leases (plus unearned income) 1,544.3 457.2 159.1 270.5 242.7 279.4 135.4
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 290,441 76,903 28,813 54,263 48,122 53,071 29,269
Construction and development: 1-4 family residential 25,479 5,246 4,089 2,954 3,226 7,121 2,844
Construction and development: CRE and other 61,075 18,695 6,734 9,930 7,153 13,555 5,008
Commercial and industrial 91,438 23,748 7,806 18,506 14,925 16,655 9,799
* 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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