FDIC: Quarterly Banking Profile

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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
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.

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

0.34

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

0.49

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

-0.07

-0.04

-0.01

-0.06

0.19

0.05

-0.05

Nonfarm nonresidential

0.02

0.00

0.02

0.03

-0.02

0.64

0.00

-0.02

0.01

Multifamily residential real estate

0.00

0.01

-0.01

-0.02

0.00

-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

1.17

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

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

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

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.

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