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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, All FDIC-Insured Institutions
March 31, 2017 All
Insured
Institutions
Asset Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
To
$250 Billion
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 0.68 1.29 0.65 0.37 0.55 0.96 0.51 0.79 0.70 0.96 0.68 0.29
Construction and development 0.35 0.99 0.61 0.29 0.31 0.25 0.34 0.32 0.38 0.32 0.41 0.29
Nonfarm nonresidential 0.27 1.01 0.43 0.24 0.27 0.17 0.39 0.22 0.30 0.21 0.31 0.18
Multifamily residential real estate 0.13 0.69 0.30 0.11 0.11 0.10 0.11 0.07 0.17 0.15 0.23 0.08
Home equity loans 0.63 0.66 0.44 0.35 0.49 0.81 0.44 0.77 0.71 0.70 0.46 0.26
Other 1-4 family residential 1.14 1.58 0.94 0.62 0.93 1.48 0.83 1.34 1.02 1.58 1.42 0.45
Commercial and industrial loans 0.34 1.37 0.66 0.45 0.26 0.34 0.28 0.36 0.32 0.35 0.47 0.33
Loans to individuals 1.25 1.68 1.25 1.22 1.17 1.34 1.04 1.72 0.98 1.21 0.89 1.21
Credit card loans 1.23 4.51 1.87 1.67 1.33 1.08 1.04 1.40 1.03 1.11 0.68 1.73
Other loans to individuals 1.28 1.62 1.20 1.06 0.97 1.57 1.04 2.04 0.97 1.34 0.98 0.79
All other loans and leases (including farm) 0.32 1.20 0.90 0.41 0.19 0.33 0.11 0.18 0.41 0.47 0.35 0.33
Total loans and leases 0.65 1.17 0.59 0.44 0.59 0.77 0.53 0.78 0.59 0.78 0.60 0.50
Percent of Loans Noncurrent**
All real estate loans 1.82 1.32 0.95 0.85 1.40 3.05 1.36 2.37 2.06 2.55 1.21 0.57
Construction and development 0.67 1.21 1.19 0.72 0.37 0.64 0.66 1.20 0.52 0.46 0.57 0.52
Nonfarm nonresidential 0.67 1.48 0.88 0.66 0.65 0.52 0.79 0.64 0.76 0.61 0.70 0.46
Multifamily residential real estate 0.17 0.56 0.52 0.20 0.09 0.12 0.14 0.21 0.15 0.23 0.43 0.09
Home equity loans 2.49 0.72 0.57 0.68 1.38 3.84 2.39 3.15 2.37 2.81 1.21 0.59
Other 1-4 family residential 3.03 1.38 1.04 1.36 2.44 4.44 2.17 3.71 3.20 4.21 2.34 0.71
Commercial and industrial loans 1.21 1.72 1.25 1.65 1.26 1.07 1.02 1.12 0.95 1.42 2.10 1.23
Loans to individuals 0.91 0.91 0.78 0.79 1.07 0.78 0.97 1.02 0.68 0.87 0.91 0.93
Credit card loans 1.32 2.74 1.55 1.67 1.46 1.13 1.17 1.42 1.12 1.18 1.37 1.76
Other loans to individuals 0.52 0.87 0.73 0.49 0.57 0.47 0.66 0.64 0.52 0.43 0.71 0.27
All other loans and leases (including farm) 0.24 0.94 0.84 0.72 0.30 0.13 0.27 0.15 0.16 0.30 0.39 0.41
Total loans and leases 1.34 1.29 0.98 0.97 1.18 1.66 1.12 1.54 1.37 1.65 1.30 0.77
Percent of Loans Charged-Off (net, YTD)
All real estate loans 0.04 0.03 0.02 0.02 0.05 0.05 0.06 0.07 0.05 0.02 0.01 -0.01
Construction and development -0.05 0.00 0.00 -0.02 -0.07 -0.09 -0.02 -0.03 -0.03 -0.13 -0.01 -0.11
Nonfarm nonresidential 0.02 -0.05 0.01 0.02 0.07 -0.03 0.05 0.06 0.03 -0.03 0.01 0.01
Multifamily residential real estate -0.01 -0.03 0.02 0.00 -0.01 -0.02 0.00 0.00 0.00 -0.05 -0.01 -0.01
Home equity loans 0.21 0.05 0.07 0.08 0.14 0.29 0.19 0.26 0.24 0.21 0.04 0.00
Other 1-4 family residential 0.04 0.08 0.04 0.03 0.05 0.04 0.07 0.05 0.03 0.04 0.02 0.00
Commercial and industrial loans 0.32 0.24 0.28 0.31 0.44 0.24 0.22 0.35 0.20 0.31 0.50 0.55
Loans to individuals 2.34 0.84 0.88 1.89 2.54 2.26 2.27 2.38 2.22 2.52 1.56 2.43
Credit card loans 3.63 18.65 6.28 4.75 3.87 3.23 3.11 4.00 3.33 3.45 2.78 4.59
Other loans to individuals 1.07 0.51 0.50 0.85 0.75 1.40 0.86 0.78 1.81 1.23 1.00 0.62
All other loans and leases (including farm) 0.10 0.06 0.21 0.11 0.11 0.09 0.10 0.14 0.10 0.08 0.14 0.05
Total loans and leases 0.49 0.13 0.10 0.20 0.71 0.49 0.52 0.58 0.34 0.51 0.26 0.67
Loans Outstanding (in billions)
All real estate loans $4,626.2 $35.7 $606.8 $891.9 $1,440.6 $1,651.3 $939.4 $917.6 $963.2 $864.9 $419.6 $521.4
Construction and development 319.2 2.0 55.9 84.0 105.9 71.4 57.1 60.3 54.9 50.3 63.3 33.2
Nonfarm nonresidential 1,346.6 9.0 231.8 364.4 449.0 292.4 304.0 275.6 209.6 192.3 172.4 192.6
Multifamily residential real estate 390.4 1.0 33.3 94.6 143.9 117.5 140.6 44.0 103.0 33.4 17.9 51.5
Home equity loans 430.0 0.9 24.6 46.9 142.7 214.9 82.4 110.8 107.1 81.3 19.9 28.5
Other 1-4 family residential 1,984.8 16.2 212.5 280.8 583.3 892.0 351.2 415.0 465.9 419.4 129.3 204.0
Commercial and industrial loans 1,960.7 6.1 98.7 187.9 717.0 950.9 296.0 490.7 426.7 395.9 129.0 222.4
Loans to individuals 1,545.2 3.4 31.6 82.9 714.8 712.4 330.7 382.0 219.7 311.7 62.2 238.9
Credit card loans 756.1 0.1 2.0 21.5 402.5 330.1 205.6 186.9 57.8 180.4 19.3 106.1
Other loans to individuals 789.0 3.3 29.6 61.4 312.3 382.3 125.1 195.1 161.9 131.3 42.9 132.8
All other loans and leases (including farm) 1,167.1 6.9 47.9 62.0 327.1 723.2 177.8 252.9 275.5 330.3 46.0 84.8
Total loans and leases (plus unearned income) 9,299.2 52.1 785.0 1,224.8 3,199.6 4,037.8 1,743.9 2,043.1 1,885.1 1,902.8 656.8 1,067.5
Memo: Other Real Estate Owned (in millions)
All other real estate owned 10,364.9 296.9 3,152.1 2,338.5 2,273.0 2,304.3 1,833.3 2,428.8 1,951.6 1,849.5 1,617.1 684.6
Construction and development 3,204.9 84.2 1,450.6 920.2 449.0 300.9 310.2 890.2 417.4 643.7 698.9 244.4
Nonfarm nonresidential 2,685.7 96.5 994.2 727.3 574.2 293.5 480.4 535.5 520.0 378.6 553.7 217.6
Multifamily residential real estate 181.6 13.8 65.1 55.9 20.7 26.0 39.9 33.7 31.8 42.7 17.6 15.8
1-4 family residential 3,621.6 85.5 564.7 566.2 1,068.1 1,337.1 915.9 857.9 807.8 557.3 298.9 183.7
Farmland 148.6 16.7 75.0 44.7 8.1 4.1 8.5 36.9 24.5 27.0 40.4 11.4
GNMA properties 501.3 0.2 2.5 24.1 152.9 321.7 78.4 74.6 150.0 179.2 7.6 11.5

* See Table IV-A (page 9) 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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