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FDIC Quarterly Banking Profile

FDIC First-Half of 2019 Banking Profile - All FDIC-Insured Institutions
Table VI-B. Loan Performance, FDIC-Insured Community Banks
June 30, 2019 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 0.34 0.51 0.56 0.51 0.58 0.27
Construction and development 0.45 0.34 0.46 0.51 0.52 0.45 0.49
Nonfarm nonresidential 0.30 0.24 0.29 0.37 0.36 0.40 0.18
Multifamily residential real estate 0.17 0.11 0.16 0.40 0.25 0.11 0.12
Home equity loans 0.43 0.46 0.49 0.43 0.32 0.47 0.35
Other 1-4 family residential 0.68 0.53 0.86 0.82 0.65 0.89 0.37
Commercial and industrial loans 0.47 0.29 0.64 0.44 0.53 0.61 0.51
Loans to individuals 1.34 1.53 1.44 0.77 0.94 2.08 1.07
Credit card loans 2.16 2.58 1.34 0.95 3.37 1.57 1.38
Other loans to individuals 1.31 1.50 1.45 0.77 0.81 2.09 1.05
All other loans and leases (including farm) 0.52 0.21 0.28 0.50 0.70 0.55 0.31
Total loans and leases 0.49 0.37 0.55 0.55 0.55 0.65 0.34
Percent of Loans Noncurrent**
All loans secured by real estate 0.73 0.77 0.76 0.83 0.73 0.76 0.41
Construction and development 0.58 0.62 0.67 0.59 0.65 0.48 0.56
Nonfarm nonresidential 0.63 0.66 0.60 0.74 0.63 0.72 0.31
Multifamily residential real estate 0.18 0.15 0.32 0.30 0.22 0.25 0.06
Home equity loans 0.49 0.60 0.50 0.47 0.28 0.44 0.52
Other 1-4 family residential 0.94 1.16 0.98 0.97 0.58 0.92 0.54
Commercial and industrial loans 0.88 0.79 0.74 0.78 0.98 1.08 0.80
Loans to individuals 0.53 0.34 0.68 0.33 0.40 1.07 0.35
Credit card loans 0.89 1.13 0.32 0.47 1.31 0.53 0.72
Other loans to individuals 0.52 0.31 0.69 0.33 0.35 1.08 0.33
All other loans and leases (including farm) 0.81 0.29 0.62 0.81 1.03 0.77 0.85
Total loans and leases 0.75 0.74 0.75 0.80 0.79 0.83 0.48
Percent of Loans Charged-Off (net, YTD)
All loans secured by real estate 0.03 0.04 0.02 0.03 0.02 0.05 0.00
Construction and development -0.01 0.00 -0.02 -0.02 -0.04 0.00 -0.04
Nonfarm nonresidential 0.05 0.05 0.02 0.04 0.04 0.09 0.00
Multifamily residential real estate 0.00 0.01 0.01 -0.01 0.01 0.00 -0.01
Home equity loans 0.03 0.04 0.01 0.05 0.01 0.02 -0.01
Other 1-4 family residential 0.03 0.04 0.02 0.02 0.02 0.03 -0.01
Commercial and industrial loans 0.21 0.17 0.21 0.16 0.25 0.28 0.26
Loans to individuals 0.89 0.81 0.87 0.37 1.08 0.93 1.66
Credit card loans 6.04 3.61 3.03 1.73 14.76 1.81 2.58
Other loans to individuals 0.72 0.73 0.82 0.35 0.33 0.92 1.60
All other loans and leases (including farm) 0.18 0.13 0.14 0.25 0.13 0.27 0.22
Total loans and leases 0.10 0.08 0.08 0.07 0.12 0.14 0.11
Loans Outstanding (in billions)
All real estate loans $1,239.0 $385.0 $126.3 $209.7 $184.5 $211.2 $122.4
Construction and development 113.8 26.4 14.3 16.7 16.2 29.7 10.6
Nonfarm nonresidential 479.1 139.7 55.4 79.0 62.3 85.9 56.9
Multifamily residential real estate 121.9 64.0 6.3 18.0 11.3 8.5 13.7
Home equity loans 47.3 14.9 6.3 10.0 5.3 4.9 5.9
Other 1-4 family residential 399.9 137.5 39.6 68.3 55.0 68.1 31.5
Commercial and industrial loans 221.9 56.2 19.2 42.2 39.6 42.5 22.2
Loans to individuals 65.1 15.9 6.4 12.3 11.1 12.9 6.5
Credit card loans 2.0 0.4 0.1 0.2 0.6 0.2 0.4
Other loans to individuals 63.1 15.5 6.3 12.0 10.5 12.7 6.1
All other loans and leases (including farm) 96.7 13.1 4.7 16.7 37.0 17.5 7.7
Total loans and leases (plus unearned income) 1,622.7 470.2 156.6 280.8 272.2 284.1 158.8
Memo: Unfunded Commitments (in millions)
Total Unfunded Commitments 315,984 85,606 27,581 56,415 55,230 54,272 36,880
Construction and development: 1-4 family residential 25,971 5,145 3,476 3,093 3,558 7,550 3,149
Construction and development: CRE and other 66,718 20,466 6,525 11,060 9,146 12,934 6,588
Commercial and industrial 102,264 28,777 7,313 20,188 16,868 17,227 11,890

* 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.