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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Third Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
Table VI-B. Loan Performance, FDIC-Insured Community Banks
September 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 0.45 0.38 0.53 0.51 0.44 0.58 0.22
Construction and development 0.45 0.45 0.46 0.39 0.36 0.49 0.55
Nonfarm nonresidential 0.32 0.28 0.32 0.37 0.36 0.41 0.16
Multifamily residential real estate 0.12 0.09 0.13 0.25 0.22 0.12 0.03
Home equity loans 0.44 0.48 0.46 0.46 0.31 0.53 0.31
Other 1-4 family residential 0.69 0.56 0.90 0.81 0.63 0.92 0.30
Commercial and industrial loans 0.49 0.29 0.60 0.40 0.59 0.68 0.55
Loans to individuals 1.40 1.58 1.49 0.90 0.98 2.12 0.94
Credit card loans 2.32 2.52 1.42 1.13 3.71 1.25 1.25
Other loans to individuals 1.37 1.55 1.50 0.90 0.83 2.14 0.92
All other loans and leases (including farm) 0.41 0.22 0.20 0.40 0.50 0.46 0.28
Total loans and leases 0.49 0.40 0.57 0.51 0.49 0.66 0.29
Percent of Loans Noncurrent**
All loans secured by real estate 0.78 0.86 0.83 0.87 0.71 0.75 0.42
Construction and development 0.68 0.73 0.88 0.78 0.71 0.49 0.64
Nonfarm nonresidential 0.66 0.75 0.66 0.78 0.64 0.67 0.29
Multifamily residential real estate 0.20 0.18 0.20 0.34 0.18 0.28 0.08
Home equity loans 0.51 0.59 0.61 0.51 0.29 0.40 0.52
Other 1-4 family residential 1.02 1.27 1.06 1.00 0.60 0.96 0.59
Commercial and industrial loans 1.00 1.15 0.71 0.92 0.93 1.13 0.84
Loans to individuals 0.64 0.49 0.77 0.35 0.43 1.33 0.39
Credit card loans 1.13 1.32 0.85 0.54 1.63 0.53 0.93
Other loans to individuals 0.63 0.47 0.77 0.34 0.37 1.34 0.37
All other loans and leases (including farm) 0.77 0.31 0.85 0.83 0.85 0.74 1.04
Total loans and leases 0.80 0.87 0.81 0.85 0.75 0.83 0.51
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.03 0.04 0.02 0.08 0.02 0.03 -0.02
Construction and development 0.00 0.03 0.08 -0.05 -0.03 0.03 -0.14
Nonfarm nonresidential 0.03 0.05 0.01 0.06 0.03 0.02 -0.01
Multifamily residential real estate 0.00 0.00 -0.02 -0.03 -0.01 0.03 0.00
Home equity loans 0.04 0.04 0.03 0.10 -0.02 0.03 -0.05
Other 1-4 family residential 0.06 0.04 0.04 0.18 0.02 0.03 -0.03
Commercial and industrial loans 0.37 0.69 0.25 0.18 0.21 0.44 0.21
Loans to individuals 1.05 0.89 0.90 1.19 1.07 1.03 1.43
Credit card loans 7.38 4.37 1.75 7.93 14.74 1.70 2.56
Other loans to individuals 0.85 0.79 0.88 1.00 0.30 1.02 1.38
All other loans and leases (including farm) 0.17 0.13 0.17 0.19 0.14 0.18 0.30
Total loans and leases 0.13 0.14 0.09 0.15 0.11 0.14 0.07
Loans Outstanding (in billions)
All real estate loans $1,221.9 $390.7 $126.6 $209.2 $179.9 $211.4 $104.1
Construction and development 110.5 25.4 14.3 15.9 16.0 29.5 9.4
Nonfarm nonresidential 474.1 140.4 55.4 77.6 60.8 87.6 52.3
Multifamily residential real estate 117.5 63.5 6.4 17.2 10.7 8.8 10.9
Home equity loans 48.7 16.2 6.4 10.6 5.5 5.0 5.0
Other 1-4 family residential 396.2 142.6 39.7 70.7 53.6 66.8 22.8
Commercial and industrial loans 210.6 52.6 19.4 40.4 37.5 42.9 17.8
Loans to individuals 63.2 16.0 6.5 12.4 11.0 12.8 4.5
Credit card loans 1.8 0.4 0.1 0.2 0.6 0.2 0.2
Other loans to individuals 61.4 15.6 6.3 12.1 10.4 12.6 4.3
All other loans and leases (including farm) 93.5 12.3 5.1 15.9 36.7 17.2 6.4
Total loans and leases (plus unearned income) 1,589.1 471.6 157.6 277.8 265.0 284.4 132.9
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 306,329 84,795 27,689 55,624 53,976 53,757 30,488
Construction and development: 1-4 family residential 26,502 5,526 3,495 3,310 3,589 7,580 3,002
Construction and development: CRE and other 65,858 20,504 6,709 10,675 8,925 13,448 5,597
Commercial and industrial 98,945 27,315 7,424 19,997 16,909 17,335 9,966

* 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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