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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, 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 0.45 0.39 0.53 0.53 0.40 0.60 0.19
Construction and development 0.36 0.25 0.39 0.40 0.40 0.42 0.31
Nonfarm nonresidential 0.29 0.26 0.33 0.36 0.27 0.36 0.15
Multifamily residential real estate 0.13 0.09 0.17 0.25 0.20 0.28 0.01
Home equity loans 0.43 0.49 0.47 0.41 0.29 0.56 0.27
Other 1-4 family residential 0.74 0.65 0.91 0.83 0.63 1.01 0.29
Commercial and industrial loans 0.45 0.29 0.55 0.35 0.53 0.60 0.51
Loans to individuals 1.57 2.16 1.56 0.92 1.05 2.16 0.94
Credit card loans 2.36 2.94 1.33 1.40 3.91 1.29 1.13
Other loans to individuals 1.54 2.14 1.56 0.91 0.88 2.17 0.93
All other loans and leases (including farm) 0.37 0.27 0.18 0.39 0.40 0.45 0.30
Total loans and leases 0.49 0.43 0.57 0.51 0.45 0.66 0.26
Percent of Loans Noncurrent***
All loans secured by real estate 0.85 0.89 0.95 0.98 0.75 0.83 0.49
Construction and development 0.89 0.85 1.33 0.94 0.94 0.69 0.74
Nonfarm nonresidential 0.75 0.81 0.76 0.93 0.78 0.72 0.34
Multifamily residential real estate 0.22 0.13 0.55 0.47 0.18 0.27 0.11
Home equity loans 0.58 0.71 0.53 0.53 0.30 0.61 0.55
Other 1-4 family residential 1.09 1.30 1.15 1.14 0.60 1.07 0.79
Commercial and industrial loans 1.26 1.76 0.89 0.95 1.04 1.49 0.80
Loans to individuals 0.70 0.58 0.78 0.37 0.45 1.40 0.31
Credit card loans 1.17 1.28 0.67 1.05 1.75 0.53 0.75
Other loans to individuals 0.68 0.56 0.78 0.35 0.38 1.42 0.29
All other loans and leases (including farm) 0.68 0.22 0.55 0.70 0.89 0.64 0.66
Total loans and leases 0.88 0.96 0.92 0.93 0.80 0.94 0.54
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.04 0.05 0.03 0.04 0.03 0.04 -0.02
Construction and development 0.00 0.05 0.01 -0.01 -0.07 0.02 -0.05
Nonfarm nonresidential 0.04 0.06 0.04 0.05 0.06 0.04 -0.03
Multifamily residential real estate 0.00 0.00 0.02 0.00 -0.01 0.01 -0.01
Home equity loans 0.04 0.06 0.06 0.04 0.03 0.03 -0.03
Other 1-4 family residential 0.05 0.06 0.03 0.06 0.03 0.05 0.00
Commercial and industrial loans 0.45 0.82 0.29 0.20 0.22 0.60 0.16
Loans to individuals 0.92 0.89 0.90 0.59 1.17 1.06 0.98
Credit card loans 6.47 4.17 1.67 3.90 15.55 1.71 2.30
Other loans to individuals 0.73 0.79 0.88 0.47 0.34 1.05 0.89
All other loans and leases (including farm) 0.21 0.14 0.24 0.18 0.14 0.43 0.22
Total loans and leases 0.14 0.17 0.11 0.10 0.12 0.20 0.05
Loans Outstanding (in billions)
All real estate loans $1,199.6 $378.1 $135.6 $204.3 $166.2 $208.3 $107.1
Construction and development 104.9 22.5 15.4 14.4 14.3 29.4 9.0
Nonfarm nonresidential 458.0 132.4 59.1 74.2 55.5 85.4 51.4
Multifamily residential real estate 117.7 65.3 6.6 16.4 9.2 8.5 11.7
Home equity loans 50.1 16.7 7.6 10.9 5.1 4.8 4.9
Other 1-4 family residential 398.0 139.0 42.6 71.8 51.4 66.6 26.7
Commercial and industrial loans 206.3 52.3 20.3 38.6 34.5 41.8 18.8
Loans to individuals 61.5 14.1 6.9 12.3 10.4 13.4 4.4
Credit card loans 2.0 0.4 0.2 0.4 0.6 0.2 0.3
Other loans to individuals 59.5 13.7 6.8 11.9 9.9 13.2 4.2
All other loans and leases (including farm) 92.2 12.9 4.8 15.2 34.6 18.3 6.3
Total loans and leases (plus unearned income) 1,559.6 457.4 167.6 270.4 245.8 281.8 136.6
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 292,974 76,949 30,169 54,080 48,768 52,814 30,194
Construction and development: 1-4 family residential 25,804 5,143 4,132 2,962 3,335 7,247 2,984
Construction and development: CRE and other 62,216 19,033 6,636 10,081 7,562 13,667 5,237
Commercial and industrial 93,260 23,932 8,424 18,799 15,634 16,621 9,850

* Data for third quarter 2017 do not include one insured institution with $4.1 billion in assets, which had not reported at the time data were compiled.

** 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.