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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Full Year of 2019 Banking Profile - FDIC-Insured Commercial Banks
TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks
March 31, 2019 All
Institutions
Asset Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
to
$250 Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 0.58 1.21 0.67 0.41 0.44 0.76 0.55 0.58 0.59 0.88 0.50 0.27
Construction and development 0.38 1.08 0.51 0.40 0.27 0.49 0.34 0.27 0.35 0.63 0.37 0.37
Nonfarm nonresidential 0.26 0.94 0.46 0.29 0.20 0.17 0.38 0.19 0.26 0.23 0.32 0.16
Multifamily residential real estate 0.10 1.08 0.23 0.12 0.11 0.05 0.15 0.05 0.09 0.12 0.12 0.08
Home equity loans 0.65 0.55 0.50 0.40 0.56 0.78 0.54 0.66 0.77 0.75 0.44 0.42
Other 1-4 Family residential 0.93 1.53 0.99 0.69 0.72 1.10 0.89 0.93 0.86 1.37 0.87 0.37
Commercial and industrial loans 0.36 1.52 0.76 0.53 0.27 0.35 0.30 0.20 0.58 0.27 0.43 0.42
Loans to individuals 1.32 1.72 1.36 1.31 1.22 1.43 1.11 1.91 0.88 1.24 1.42 1.16
Credit card loans 1.22 3.53 1.81 2.71 1.24 1.15 1.16 1.46 1.11 1.19 1.27 0.94
Other loans to individuals 1.43 1.70 1.33 1.01 1.20 1.71 1.04 2.35 0.78 1.33 1.42 1.26
All other loans and leases (including farm) 0.29 1.12 1.08 0.44 0.16 0.29 0.14 0.29 0.29 0.36 0.30 0.29
Total loans and leases 0.61 1.27 0.74 0.49 0.53 0.69 0.58 0.70 0.57 0.70 0.50 0.48
Memo: Nonfarm nonres loans not secured by RE 0.78 0.00 0.13 0.04 0.18 1.17 0.25 0.23 2.02 0.06 0.19 0.13
Percent of Loans Noncurrent*
All real estate loans 1.23 1.19 0.80 0.73 0.81 1.97 1.27 1.17 1.43 1.87 0.72 0.40
Construction and development 0.44 0.57 0.78 0.48 0.32 0.42 0.61 0.48 0.61 0.32 0.34 0.26
Nonfarm nonresidential 0.60 1.39 0.72 0.62 0.48 0.68 0.67 0.59 0.70 0.64 0.60 0.36
Multifamily residential real estate 0.13 0.47 0.30 0.15 0.12 0.08 0.15 0.17 0.12 0.11 0.21 0.06
Home equity loans 2.22 0.39 0.41 0.61 1.15 3.55 2.27 2.45 2.19 2.96 0.88 0.52
Other 1-4 Family residential 1.84 1.15 0.86 1.14 1.24 2.55 2.06 1.49 2.02 2.88 1.08 0.46
Commercial and industrial loans 0.81 1.77 1.00 1.23 0.86 0.69 0.83 0.59 0.75 0.85 0.99 1.26
Loans to individuals 0.96 0.80 0.69 0.91 1.10 0.83 1.08 1.22 0.54 1.00 0.95 0.66
Credit card loans 1.38 2.12 1.91 3.04 1.45 1.24 1.38 1.54 1.20 1.32 0.78 1.22
Other loans to individuals 0.56 0.78 0.62 0.46 0.72 0.42 0.61 0.91 0.25 0.46 0.96 0.40
All other loans and leases (including farm) 0.23 1.20 1.02 0.49 0.27 0.14 0.19 0.15 0.17 0.33 0.40 0.31
Total loans and leases 0.95 1.24 0.84 0.82 0.82 1.10 1.00 0.90 0.96 1.21 0.76 0.62
Memo: Nonfarm nonres loans not secured by RE 0.14 0.49 0.06 0.26 0.30 0.04 0.28 0.09 0.12 0.02 0.30 0.31
Percent of Loans Charged-Off (net, annual)
All real estate loans 0.03 0.05 0.02 0.04 0.04 0.01 0.04 0.04 0.02 0.02 0.04 0.02
Construction and development 0.00 -0.05 0.01 -0.02 0.00 0.02 0.00 -0.01 0.09 -0.04 0.00 -0.03
Nonfarm nonresidential 0.06 0.04 0.02 0.07 0.05 0.07 0.07 0.05 0.03 0.10 0.07 0.03
Multifamily residential real estate 0.01 0.04 0.00 0.02 0.01 0.00 0.02 0.04 0.00 -0.01 0.01 0.00
Home equity loans 0.05 0.03 0.03 0.02 0.03 0.08 0.07 0.11 0.05 0.01 0.03 -0.03
Other 1-4 Family residential 0.01 0.02 0.02 0.03 0.04 -0.01 0.02 0.03 0.00 0.00 0.01 0.00
Commercial and industrial loans 0.26 0.29 0.24 0.21 0.34 0.21 0.30 0.26 0.22 0.22 0.19 0.43
Loans to individuals 2.33 0.62 0.97 2.04 2.53 2.20 2.71 2.50 1.51 2.80 1.04 1.72
Credit card loans 3.78 11.01 4.58 7.70 3.90 3.53 3.64 4.08 3.65 3.79 2.83 3.45
Other loans to individuals 0.91 0.48 0.75 0.81 1.01 0.83 1.23 0.90 0.54 1.04 0.95 0.89
All other loans and leases (including farm) 0.10 0.07 0.18 0.12 0.06 0.11 0.12 0.11 0.05 0.09 0.25 0.13
Total loans and leases 0.48 0.12 0.10 0.20 0.64 0.46 0.72 0.59 0.24 0.52 0.12 0.46
Memo: Nonfarm nonres loans not secured by RE -0.01 0.00 -0.11 -0.28 0.01 0.00 -0.06 0.00 -0.01 0.00 -0.01 0.13
Loans Outstanding (in billions)
All real estate loans $4,435.1 $25.8 $485.9 $697.8 $1,602.5 $1,623.0 $733.6 $886.5 $946.1 $832.8 $450.0 $586.1
Construction and development 331.2 1.6 49.3 76.0 137.8 66.5 53.6 58.2 56.5 49.4 74.1 39.4
Nonfarm nonresidential 1,352.1 6.8 199.9 313.8 545.5 286.0 257.8 281.4 216.0 191.7 194.7 210.5
Multifamily residential real estate 355.2 0.6 25.6 71.4 135.2 122.4 86.4 41.7 108.3 36.3 20.1 62.3
Home equity loans 342.3 0.5 16.7 31.8 127.4 165.8 63.9 87.1 86.4 62.8 17.1 25.0
Other 1-4 Family residential 1,888.8 10.3 144.0 180.6 637.9 916.0 267.5 403.0 454.9 401.0 126.0 236.4
Commercial and industrial loans 2,157.7 5.1 88.3 170.7 836.8 1,056.8 321.2 531.8 483.9 439.5 145.7 235.7
Loans to individuals 1,565.9 2.6 26.7 61.2 747.8 727.6 369.5 408.1 223.3 305.7 24.4 234.9
Credit card loans 764.9 0.0 1.5 10.8 387.5 365.1 224.7 202.0 68.4 193.7 1.1 75.0
Other loans to individuals 801.0 2.6 25.2 50.5 360.2 362.5 144.8 206.1 154.9 112.0 23.3 159.9
All other loans and leases (including farm) 1,317.1 5.9 45.2 56.8 406.6 802.5 201.6 270.3 316.0 366.1 53.0 110.1
Total loans and leases (plus unearned income) 9,475.8 39.4 646.2 986.5 3,593.7 4,209.9 1,625.8 2,096.7 1,969.3 1,944.1 673.1 1,166.8
Memo: Nonfarm nonres loans not secured by RE 136.8 0.1 2.0 4.6 45.7 84.4 23.5 31.0 45.1 26.4 3.7 7.2
Memo: Other Real Estate Owned (in millions)
All other real estate owned $6,166.4 $147.4 $1,706.6 $1,309.6 $1,545.3 $1,457.5 $1,074.8 $1,434.2 $1,167.2 $1,106.8 $1,052.9 $330.5
Construction and development 1,601.8 31.4 717.5 463.7 294.7 94.5 189.9 447.8 193.3 275.6 378.4 116.8
Nonfarm nonresidential 1,880.1 45.2 569.7 522.3 448.5 294.4 301.0 437.1 342.2 304.0 420.7 75.1
Multifamily residential real estate 76.8 5.0 43.5 22.8 1.9 3.6 13.3 20.0 13.4 17.3 8.5 4.3
1-4 Family residential 2,402.7 40.5 291.0 261.7 778.6 1,031.0 559.0 518.1 596.1 421.2 199.7 108.8
Farmland 171.9 25.4 85.0 39.1 21.4 1.0 11.6 11.2 21.2 56.8 45.7 25.3
Other real estate owned in foreign offices 33.2 0.0 0.0 0.0 0.2 33.0 0.0 0.0 1.0 32.0 0.0 0.2
* 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.