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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
March 31, 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 0.54 0.47 0.63 0.56 0.55 0.69 0.30
Construction and development 0.48 0.56 0.53 0.27 0.42 0.52 0.49
Nonfarm nonresidential 0.40 0.42 0.37 0.39 0.38 0.52 0.22
Multifamily residential real estate 0.16 0.16 0.11 0.27 0.17 0.12 0.02
Home equity loans 0.43 0.50 0.49 0.39 0.29 0.52 0.31
Other 1-4 family residential 0.78 0.64 1.06 0.86 0.68 1.06 0.43
Commercial and industrial loans 0.51 0.39 0.55 0.41 0.57 0.64 0.61
Loans to individuals 1.29 1.55 1.43 0.82 0.89 1.87 0.81
Credit card loans 2.30 3.46 1.24 1.14 3.28 1.16 1.40
Other loans to individuals 1.26 1.50 1.43 0.81 0.75 1.88 0.78
All other loans and leases (including farm) 0.81 0.35 0.34 0.70 1.17 0.66 0.83
Total loans and leases 0.58 0.50 0.65 0.55 0.65 0.73 0.38
Percent of Loans Noncurrent**
All loans secured by real estate 0.83 0.93 0.95 0.91 0.74 0.78 0.45
Construction and development 0.77 0.69 1.36 0.81 0.82 0.53 0.67
Nonfarm nonresidential 0.73 0.84 0.78 0.85 0.72 0.66 0.32
Multifamily residential real estate 0.22 0.18 0.40 0.37 0.22 0.33 0.08
Home equity loans 0.54 0.62 0.58 0.56 0.25 0.55 0.49
Other 1-4 family residential 1.09 1.37 1.15 1.08 0.60 1.02 0.66
Commercial and industrial loans 1.07 1.18 0.75 0.94 1.01 1.36 0.79
Loans to individuals 0.66 0.59 0.73 0.34 0.44 1.29 0.34
Credit card loans 1.10 0.70 0.72 1.15 1.69 0.60 1.05
Other loans to individuals 0.64 0.59 0.73 0.31 0.37 1.30 0.30
All other loans and leases (including farm) 0.74 0.33 0.44 0.71 0.92 0.77 0.83
Total loans and leases 0.85 0.93 0.90 0.88 0.79 0.89 0.51
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.02 0.04 0.00 0.01 0.01 0.02 -0.03
Construction and development -0.03 0.02 -0.08 -0.10 -0.04 0.03 -0.10
Nonfarm nonresidential 0.02 0.04 0.00 0.02 0.02 0.02 0.00
Multifamily residential real estate 0.00 0.00 -0.01 -0.03 0.04 0.01 0.00
Home equity loans 0.02 0.06 0.02 0.01 -0.04 0.00 -0.05
Other 1-4 family residential 0.02 0.04 0.03 0.03 0.03 0.02 -0.07
Commercial and industrial loans 0.48 1.31 0.36 0.15 0.11 0.34 0.15
Loans to individuals 1.05 0.88 0.88 0.56 1.22 1.22 2.23
Credit card loans 7.06 4.51 1.75 3.03 16.98 1.81 2.55
Other loans to individuals 0.85 0.77 0.86 0.47 0.31 1.21 2.21
All other loans and leases (including farm) 0.15 0.12 0.14 0.14 0.11 0.21 0.29
Total loans and leases 0.13 0.21 0.09 0.06 0.09 0.14 0.08
Loans Outstanding (in billions)
All real estate loans $1,196.1 $377.3 $123.6 $208.2 $168.7 $209.1 $109.2
Construction and development 106.0 24.6 13.9 15.0 14.5 29.0 9.0
Nonfarm nonresidential 459.2 134.0 53.4 76.4 56.7 86.3 52.4
Multifamily residential real estate 116.8 62.2 6.2 17.3 9.6 8.9 12.5
Home equity loans 48.3 16.2 6.7 10.7 5.1 4.8 4.8
Other 1-4 family residential 394.0 138.0 39.1 71.9 51.4 66.5 27.0
Commercial and industrial loans 204.5 49.9 18.6 40.3 35.4 41.6 18.8
Loans to individuals 61.4 14.9 6.7 12.1 10.3 12.8 4.5
Credit card loans 1.9 0.4 0.2 0.4 0.6 0.2 0.2
Other loans to individuals 59.5 14.5 6.6 11.7 9.7 12.6 4.3
All other loans and leases (including farm) 86.8 12.2 4.4 15.3 33.2 15.8 5.9
Total loans and leases (plus unearned income) 1,548.8 454.4 153.3 275.9 247.5 279.3 138.4
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 297,365 79,136 26,958 56,105 51,400 53,350 30,415
Construction and development: 1-4 family residential 24,515 5,036 3,344 2,967 3,091 7,164 2,913
Construction and development: CRE and other 61,486 19,338 6,126 10,490 7,594 12,800 5,138
Commercial and industrial 92,545 24,288 7,228 19,357 15,364 16,389 9,919

* 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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