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FDIC Quarterly Banking Profile

FDIC Second Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
TABLE V-A. Loan Performance, All FDIC-Insured Institutions
June 30, 2018 All Insured
Institutions 		Asset Concentration Groups*
Credit Card
Institutions 		International
Banks 		Agricultural
Banks 		Commercial
Lenders 		Mortgage
Lenders 		Consumer
Lenders 		Other
Specialized
< $1 Billion 		All Other
< $1 Billion 		All Other
> $1 Billion
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.59 2.54 0.80 0.62 0.39 0.74 0.40 1.22 1.09 0.91
Construction and development 0.32 0.32 0.34 0.59 0.31 0.37 0.51 1.72 0.80 0.29
Nonfarm nonresidential 0.24 0.00 0.30 0.47 0.22 0.23 0.42 0.90 0.71 0.23
Multifamily residential real estate 0.09 70.06 0.05 0.55 0.10 0.11 0.11 0.49 0.48 0.07
Home equity loans 0.63 0.00 0.99 0.35 0.48 0.49 0.35 0.48 0.66 0.74
Other 1-4 family residential 0.98 0.15 1.12 0.95 0.70 0.84 0.41 1.51 1.37 1.32
Commercial and industrial loans 0.31 0.71 0.48 0.94 0.26 0.56 0.21 0.68 1.10 0.23
Loans to individuals 1.32 1.40 1.01 1.17 1.25 1.03 0.73 1.70 1.42 1.60
Credit card loans 1.23 1.41 1.02 0.99 1.21 0.80 0.69 1.75 2.28 1.09
Other loans to individuals 1.40 1.21 0.97 1.18 1.26 1.04 0.74 1.70 1.39 1.89
All other loans and leases (including farm) 0.20 0.57 0.22 0.65 0.17 0.26 0.15 0.60 0.53 0.16
Total loans and leases 0.60 1.34 0.63 0.68 0.41 0.71 0.62 1.18 1.08 0.73
Percent of Loans Noncurrent**
All real estate loans 1.47 1.88 1.98 1.10 0.82 2.72 1.26 1.34 1.12 2.55
Construction and development 0.48 17.93 0.24 0.62 0.48 0.30 0.70 1.70 0.90 0.49
Nonfarm nonresidential 0.60 0.67 0.66 0.96 0.56 0.57 1.12 1.13 1.29 0.71
Multifamily residential real estate 0.14 0.00 0.07 0.30 0.15 0.44 0.49 1.80 0.53 0.12
Home equity loans 2.38 48.19 4.08 0.45 1.21 1.15 1.65 0.59 0.44 3.78
Other 1-4 family residential 2.33 0.99 2.63 0.84 1.34 3.24 1.25 1.42 1.13 3.39
Commercial and industrial loans 0.79 0.67 0.74 1.31 0.92 4.58 0.44 1.17 0.95 0.56
Loans to individuals 0.88 1.40 0.84 0.52 0.72 0.44 0.46 0.86 0.52 0.64
Credit card loans 1.27 1.44 1.09 0.28 1.13 0.69 1.19 0.85 0.98 1.09
Other loans to individuals 0.49 0.60 0.31 0.54 0.68 0.42 0.28 0.86 0.50 0.38
All other loans and leases (including farm) 0.24 0.77 0.10 1.18 0.33 0.20 0.18 0.74 0.53 0.20
Total loans and leases 1.06 1.33 1.05 1.12 0.80 2.59 0.64 1.23 1.02 1.34
Percent of Loans Charged-Off (net, YTD)
All real estate loans 0.01 0.22 -0.03 0.01 0.02 -0.01 0.51 0.04 0.03 0.01
Construction and development -0.04 0.00 0.00 -0.07 -0.04 -0.01 -0.06 0.19 0.05 -0.05
Nonfarm nonresidential 0.02 0.00 0.00 0.02 0.03 -0.02 0.64 0.00 -0.02 0.01
Multifamily residential real estate 0.00 0.00 0.01 -0.01 -0.01 -0.02 0.00 -0.01 -0.01 0.00
Home equity loans 0.07 83.73 0.11 -0.02 0.08 -0.26 0.21 -0.03 0.07 0.06
Other 1-4 family residential 0.01 0.04 -0.07 0.03 0.02 0.01 0.57 0.06 0.05 0.00
Commercial and industrial loans 0.28 2.37 0.21 0.32 0.27 0.05 0.68 -0.32 0.51 0.17
Loans to individuals 2.39 4.17 2.67 0.49 1.07 1.07 1.17 0.63 0.58 1.80
Credit card loans 3.88 4.27 3.56 2.06 4.15 2.58 2.99 1.39 1.73 3.31
Other loans to individuals 0.86 2.15 0.79 0.35 0.78 0.93 0.71 0.57 0.54 0.92
All other loans and leases (including farm) 0.13 4.20 0.10 0.29 0.13 0.17 0.03 0.74 0.20 0.13
Total loans and leases 0.49 4.02 0.53 0.13 0.17 0.02 0.97 0.10 0.13 0.37
Loans Outstanding (in billions)
All real estate loans $4,831.9 $0.6 $574.4 $121.2 $2,692.9 $191.0 $35.3 $7.9 $34.9 $1,173.6
Construction and development 346.9 0.0 16.6 7.1 261.3 6.0 0.5 0.7 2.2 52.5
Nonfarm nonresidential 1,421.6 0.0 51.6 33.1 1,046.0 16.9 2.5 2.6 7.9 260.9
Multifamily residential real estate 419.0 0.0 77.8 4.0 285.3 4.5 0.6 0.2 1.0 45.5
Home equity loans 389.0 0.0 49.2 2.4 198.5 10.9 4.3 0.3 1.3 122.3
Other 1-4 family residential 2,090.5 0.5 331.0 28.8 854.6 151.7 27.3 3.7 19.5 673.5
Commercial and industrial loans 2,077.3 43.3 343.1 22.7 988.0 5.9 7.3 1.4 4.0 661.6
Loans to individuals 1,658.2 447.3 273.7 6.6 341.3 4.2 107.4 1.3 4.0 472.4
Credit card loans 837.2 425.9 186.6 0.6 28.5 0.3 21.0 0.1 0.1 174.2
Other loans to individuals 821.0 21.4 87.2 6.0 312.8 3.9 86.5 1.2 3.9 298.2
All other loans and leases (including farm) 1,291.7 0.9 388.4 44.6 339.1 11.0 3.4 0.5 2.9 500.9
Total loans and leases (plus unearned income) 9,859.0 492.0 1,579.6 195.1 4,361.2 212.2 153.4 11.2 45.8 2,808.5
Memo: Other Real Estate Owned (in millions)
All other real estate owned 7,613.8 0.3 457.8 309.2 4,907.5 228.1 29.9 36.3 143.3 1,501.5
Construction and development 2,146.5 0.0 5.2 75.7 1,825.8 51.4 4.6 11.7 28.5 143.6
Nonfarm nonresidential 2,239.7 0.0 67.0 103.1 1,602.8 19.4 8.1 14.6 56.6 368.1
Multifamily residential real estate 108.7 0.0 0.0 9.7 84.1 11.3 0.1 0.0 0.6 3.0
1-4 family residential 2,918.4 0.3 366.6 51.5 1,292.6 142.9 17.0 9.5 53.5 984.5
Farmland 180.4 0.0 0.0 69.2 102.1 3.1 0.1 0.5 4.1 1.3

* See Table IV-A 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.

Last Updated 12/10/2018
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