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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

FDIC Second Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
Table VI-B. Loan Performance, FDIC-Insured Community Banks
June 30, 2018 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 0.43 0.34 0.53 0.50 0.46 0.57 0.20
Construction and development 0.40 0.34 0.38 0.41 0.44 0.52 0.20
Nonfarm nonresidential 0.30 0.23 0.33 0.35 0.36 0.37 0.18
Multifamily residential real estate 0.11 0.06 0.26 0.19 0.29 0.09 0.02
Home equity loans 0.41 0.43 0.46 0.40 0.32 0.54 0.28
Other 1-4 family residential 0.67 0.54 0.88 0.75 0.61 0.90 0.27
Commercial and industrial loans 0.45 0.28 0.56 0.35 0.53 0.57 0.55
Loans to individuals 1.30 1.46 1.48 0.83 0.89 1.98 0.82
Credit card loans 2.13 2.61 1.08 1.19 3.35 1.16 1.18
Other loans to individuals 1.27 1.43 1.49 0.82 0.75 1.99 0.81
All other loans and leases (including farm) 0.48 0.23 0.35 0.51 0.56 0.45 0.53
Total loans and leases 0.47 0.37 0.57 0.49 0.50 0.63 0.29
Percent of Loans Noncurrent**
All loans secured by real estate 0.80 0.93 0.87 0.87 0.72 0.76 0.42
Construction and development 0.76 0.75 1.18 0.83 0.71 0.50 0.89
Nonfarm nonresidential 0.69 0.82 0.67 0.80 0.65 0.68 0.27
Multifamily residential real estate 0.20 0.18 0.27 0.31 0.20 0.31 0.03
Home equity loans 0.49 0.60 0.50 0.51 0.27 0.38 0.43
Other 1-4 family residential 1.05 1.36 1.07 1.01 0.61 0.96 0.58
Commercial and industrial loans 0.96 1.10 0.66 0.87 0.92 1.09 0.84
Loans to individuals 0.62 0.56 0.68 0.31 0.40 1.22 0.34
Credit card loans 1.25 2.11 0.52 0.99 1.29 0.48 1.06
Other loans to individuals 0.60 0.52 0.68 0.29 0.35 1.23 0.31
All other loans and leases (including farm) 0.78 0.36 0.58 0.89 0.87 0.73 1.05
Total loans and leases 0.82 0.92 0.83 0.85 0.76 0.83 0.50
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.03 0.03 0.01 0.11 0.02 0.02 -0.03
Construction and development -0.01 0.03 -0.02 -0.06 -0.06 0.03 -0.12
Nonfarm nonresidential 0.03 0.04 0.01 0.05 0.03 0.02 -0.01
Multifamily residential real estate -0.01 0.00 -0.02 -0.04 -0.01 0.02 0.00
Home equity loans 0.05 0.05 0.04 0.15 -0.01 0.04 -0.04
Other 1-4 family residential 0.07 0.04 0.03 0.25 0.03 0.02 -0.03
Commercial and industrial loans 0.43 0.86 0.36 0.17 0.19 0.49 0.19
Loans to individuals 1.19 0.92 0.80 1.58 1.10 1.01 2.27
Credit card loans 7.94 3.45 1.00 10.40 15.54 1.78 2.62
Other loans to individuals 0.97 0.85 0.80 1.29 0.29 0.99 2.26
All other loans and leases (including farm) 0.16 0.13 0.20 0.23 0.13 0.12 0.31
Total loans and leases 0.14 0.16 0.09 0.19 0.10 0.14 0.10
Loans Outstanding (in billions)
All real estate loans $1,216.9 $386.9 $121.8 $208.9 $177.1 $210.5 $111.7
Construction and development 108.6 25.4 13.7 15.4 15.6 29.3 9.3
Nonfarm nonresidential 468.4 138.8 52.2 76.9 59.8 86.7 53.9
Multifamily residential real estate 117.0 62.5 5.4 17.5 10.4 8.6 12.7
Home equity loans 48.8 16.4 6.4 10.6 5.4 5.0 5.0
Other 1-4 family residential 400.1 141.4 39.7 71.5 53.1 67.1 27.3
Commercial and industrial loans 210.3 52.3 17.5 41.4 37.6 42.2 19.2
Loans to individuals 62.7 15.4 6.6 12.3 10.8 12.9 4.7
Credit card loans 1.9 0.4 0.1 0.4 0.6 0.2 0.2
Other loans to individuals 60.8 15.0 6.5 12.0 10.3 12.6 4.5
All other loans and leases (including farm) 91.8 12.5 4.2 15.7 35.8 17.2 6.5
Total loans and leases (plus unearned income) 1,581.6 467.0 150.1 278.3 261.4 282.7 142.1
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 303,314 83,154 26,148 56,290 53,756 52,976 30,990
Construction and development: 1-4 family residential 25,908 5,457 3,397 3,267 3,462 7,407 2,918
Construction and development: CRE and other 64,432 20,426 6,140 10,695 8,540 12,980 5,652
Commercial and industrial 95,075 25,962 6,966 19,410 16,276 16,468 9,994

* 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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