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FDIC Quarterly Banking Profile

FDIC Third Quarter of 2018 Banking Profile - FDIC-Insured Savings Institutions
TABLE V-B. Loan Performance, FDIC-Insured Savings Institutions
September 30, 2018 All
Institutions
Asset Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
Greater
Than $10
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.60 1.39 0.50 0.26 1.13 0.30 2.11 0.43 0.33 2.60 0.19
Construction, development, and land 0.32 0.29 0.41 0.29 0.24 0.33 0.32 0.14 0.47 0.47 0.00
Nonfarm nonresidential 0.26 0.79 0.37 0.21 0.27 0.27 0.10 0.22 0.10 0.41 0.04
Multifamily residential real estate 0.10 1.32 0.17 0.08 0.11 0.10 0.03 0.15 0.28 0.09 0.04
Home equity loans 0.43 0.51 0.60 0.37 0.42 0.46 0.61 0.34 0.38 0.48 0.13
Other 1-4 Family residential 0.96 1.59 0.59 0.34 2.23 0.41 2.89 0.50 0.37 4.73 0.26
Commercial and industrial loans 0.41 0.84 0.41 0.54 0.24 0.23 0.43 0.49 0.95 0.84 0.77
Loans to individuals 1.72 1.76 1.15 0.87 1.80 1.10 0.78 1.07 0.99 0.61 2.49
Credit card loans 2.23 0.16 2.97 0.95 2.24 1.05 0.61 1.34 4.49 0.75 2.65
Other loans to individuals 0.72 1.77 0.99 0.86 0.65 1.10 0.78 1.00 0.64 0.49 0.66
Total loans and leases 0.81 1.38 0.52 0.32 1.33 0.31 1.79 0.51 0.48 1.45 1.73
Percent of Loans Noncurrent*
All real estate loans 1.58 1.24 0.78 0.63 3.54 0.55 11.12 0.97 0.52 4.75 0.35
Construction, development, and land 0.39 0.76 0.44 0.48 0.03 0.47 0.26 0.37 0.26 0.18 0.25
Nonfarm nonresidential 0.50 1.04 0.81 0.47 0.24 0.50 0.46 0.49 0.35 0.61 0.28
Multifamily residential real estate 0.13 0.80 0.44 0.20 0.02 0.10 0.09 0.24 1.19 0.32 0.02
Home equity loans 1.07 0.57 0.74 0.57 1.57 0.80 2.60 0.47 0.52 1.88 0.64
Other 1-4 Family residential 2.72 1.36 0.84 0.86 7.39 0.81 15.43 1.16 0.52 8.57 0.40
Commercial and industrial loans 1.32 1.86 0.98 1.90 0.69 0.81 2.20 0.48 2.13 4.74 0.59
Loans to individuals 1.47 0.71 0.48 0.50 1.57 0.72 0.96 0.70 0.56 0.66 2.11
Credit card loans 2.03 0.00 1.64 0.39 2.04 0.87 1.27 1.20 2.07 1.19 2.27
Other loans to individuals 0.38 0.71 0.38 0.51 0.35 0.71 0.96 0.57 0.40 0.22 0.16
Total loans and leases 1.50 1.25 0.78 0.73 2.42 0.57 8.96 0.87 0.66 2.63 1.51
Percent of Loans Charged-Off (net, YTD)
All real estate loans 0.03 0.04 0.02 0.07 -0.04 0.02 -0.18 0.19 0.01 0.01 -0.01
Construction, development, and land 0.02 0.02 -0.02 0.06 -0.02 0.05 -0.11 -0.04 -0.04 -0.02 -0.03
Nonfarm nonresidential 0.03 0.07 0.04 0.02 0.03 0.02 0.00 0.21 0.03 -0.06 -0.04
Multifamily residential real estate -0.01 -0.02 -0.01 0.00 -0.01 0.00 0.00 -0.02 0.00 -0.21 0.00
Home equity loans -0.08 0.04 0.02 0.11 -0.25 0.06 -1.23 0.06 -0.15 0.10 0.00
Other 1-4 Family residential 0.05 0.04 0.02 0.12 -0.04 0.02 -0.09 0.22 0.02 0.04 -0.01
Commercial and industrial loans 0.31 0.12 0.46 0.45 0.08 0.29 0.25 0.29 0.75 -0.38 1.11
Loans to individuals 3.74 0.29 1.46 2.34 3.91 0.62 0.65 2.24 3.97 1.61 5.59
Credit card loans 5.23 1.43 11.20 4.83 5.21 2.80 3.18 4.60 19.49 2.63 5.97
Other loans to individuals 0.97 0.29 0.56 2.12 0.75 0.59 0.62 1.59 2.35 0.74 1.31
Total loans and leases 0.80 0.05 0.09 0.20 1.59 0.07 -0.09 0.48 0.29 0.79 3.64
Loans Outstanding (in billions)
All real estate loans $472.8 $5.1 $102.8 $216.5 $148.3 $286.0 $30.5 $61.3 $24.6 $35.3 $35.1
Construction, development, and land 22.9 0.2 6.6 12.1 4.0 14.2 0.8 2.3 1.5 2.6 1.5
Nonfarm nonresidential 106.0 0.5 22.8 57.8 24.9 78.5 4.1 6.4 4.6 8.8 3.6
Multifamily residential real estate 77.7 0.2 6.5 31.7 39.3 65.5 1.2 3.3 1.5 1.9 4.3
Home equity loans 27.4 0.2 4.8 9.6 12.8 14.4 2.9 3.8 0.6 3.4 2.3
Other 1-4 Family residential 236.7 4.0 60.8 104.7 67.3 113.2 21.3 44.9 15.9 18.0 23.5
Commercial and industrial loans 48.7 0.1 6.4 23.6 18.6 32.7 0.7 2.9 2.8 5.5 4.0
Loans to individuals 141.5 0.2 3.6 8.9 128.9 9.2 0.5 9.7 1.6 41.9 78.6
Credit card loans 93.8 0.0 0.3 0.6 92.9 0.1 0.0 2.0 0.1 19.0 72.5
Other loans to individuals 47.7 0.2 3.3 8.2 36.0 9.1 0.5 7.7 1.4 22.9 6.1
Total loans and leases (plus unearned income) 683.7 5.5 114.3 257.2 306.7 332.2 38.3 79.3 30.5 84.4 119.0
Memo: Other Real Estate Owned (in millions)
All other real estate owned $445.9 $20.7 $147.7 $167.1 $110.5 $163.0 $65.9 $69.7 $55.3 $68.5 $23.5
Construction, development, and land 91.0 5.1 54.3 18.4 13.2 30.7 9.2 16.9 15.6 16.6 2.1
Nonfarm nonresidential 117.3 5.0 38.3 61.1 13.0 39.0 3.7 19.4 32.1 18.2 4.9
Multifamily residential real estate 5.7 0.2 1.8 1.8 2.0 4.9 0.4 0.3 0.0 0.1 0.0
1-4 Family residential 231.9 10.4 53.3 85.9 82.3 88.5 52.6 33.1 7.6 33.6 16.5
Troubled Real Estate Asset Rates**
(% of total RE assets)
All real estate loans 1.67 1.64 0.92 0.70 3.61 0.60 11.31 1.09 0.74 4.94 0.41
Construction, development, and land 0.78 3.21 1.25 0.63 0.36 0.68 1.39 1.09 1.27 0.80 0.39
Nonfarm nonresidential 0.62 1.81 0.99 0.59 0.29 0.56 0.56 0.88 1.02 0.83 0.41
Multifamily residential real estate 0.14 0.91 0.47 0.20 0.03 0.11 0.12 0.25 1.19 0.33 0.02
1-4 family residential 2.63 1.57 0.91 0.91 6.56 0.87 14.05 1.17 0.56 7.65 0.48

* 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.

** Noncurrent real estate loans plus other real estate owned as a percent of total real estate loans plus OREO.