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



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Quarterly Banking Profile

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
All Institutions Less
than $100
Million
$100 Million
to
$1 Billion
$1 Billion
to
$10 Billion
Greater
than $10
Billion
East West

June 30, 2001

North-
east
South-
east
Central  Mid-
west
South-
west
West
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 1.20 1.46 1.09 0.94 1.30 1.11 1.29 1.36 1.01 1.20 0.98

Construction and development

1.19 1.39 1.25 1.51 1.02 0.97 0.81 1.29 1.48 1.35 1.81

Commercial real estate

0.78 1.23 0.86 0.72 0.72 0.69 0.67 1.05 0.93 1.04 0.52

Multifamily residential real estate

0.54 0.58 0.63 0.75 0.43 0.28 0.49 0.77 0.45 1.35 0.50

Home equity loans

0.82 0.99 0.79 0.88 0.81 0.60 0.71 1.10 0.81 0.64 0.84
Other 1-4 Family residential 1.53 1.79 1.35 0.96 1.70 1.26 1.88 1.69 1.01 1.31 1.17

Commercial and industrial loans

0.93 1.89 1.51 1.47 0.74 0.53 0.60 1.46 1.77 1.35 1.32

Loans to individuals

2.19 2.52 2.29 2.22 2.15 2.45 2.02 2.06 2.21 1.81 1.96

Credit card loans

2.61 2.69 5.24 2.71 2.48 2.86 2.66 2.29 2.52 1.56 2.14

Other loans to individuals

1.94 2.52 1.88 1.92 1.92 2.07 1.80 2.04 1.99 1.82 1.64

All other loans and leases (including farm)

0.65 0.95 0.89 0.93 0.60 0.55 0.40 0.87 1.19 0.94 0.71

Memo: Commercial RE loans not secured by RE

0.98 0.77 0.22 0.82 1.02 0.36 1.05 1.37 1.48 0.87 1.46

Percent of Loans Noncurrent*

All real estate loans

0.91 0.93 0.76 0.79 1.00 1.01 0.94 1.02 0.68 0.84 0.68

Construction and development

0.90 0.89 0.93 0.91 0.88 1.05 0.86 0.84 1.12 0.86 0.88

Commercial real estate

0.87 1.03 0.80 0.83 0.92 0.83 0.82 1.12 0.73 0.86 0.76

Multifamily residential real estate

0.42 0.58 0.45 0.45 0.39 0.24 0.49 0.52 0.42 0.34 0.46

Home equity loans

0.42 0.32 0.37 0.57 0.41 0.31 0.33 0.68 0.33 0.29 0.33

Other 1-4 Family residential

0.96 0.81 0.69 0.77 1.09 0.99 1.13 1.09 0.51 0.78 0.51

Commercial and industrial loans

2.03 1.66 1.35 1.63 2.19 2.10 2.34 1.89 1.30 1.62 1.88

Loans to individuals

1.39 0.93 0.92 1.21 1.51 2.11 0.85 0.71 1.17 0.64 1.29

Credit card loans

2.11 2.06 3.32 2.20 2.05 2.57 1.71 1.36 1.58 0.99 1.77

Other loans to individuals

0.96 0.90 0.58 0.61 1.13 1.70 0.56 0.64 0.86 0.63 0.45

All other loans and leases (including farm)

0.75 1.12 0.99 0.89 0.71 0.72 0.43 0.88 1.17 1.20 0.92

Memo: Commercial RE loans not secured by RE

0.98 0.38 0.29 0.74 1.02 0.47 1.68 0.52 0.17 0.31 0.10

Percent of Loans Charged-off (net, YTD)

All real estate loans

0.12 0.05 0.05 0.12 0.15 0.09 0.12 0.19 0.14 0.04 0.07

Construction and development

0.08 0.06 0.04 0.13 0.08 0.06 0.10 0.10 0.12 0.04 0.03

Commercial real estate

0.09 0.06 0.05 0.07 0.13 0.06 0.09 0.17 0.11 0.03 0.07

Multifamily residential real estate

0.02 0.06 0.03 0.02 0.02 0.04 0.02 0.04 0.07 0.02 -0.05

Home equity loans

0.24 0.07 0.11 0.38 0.23 0.20 0.29 0.26 0.25 0.26 0.08

Other 1-4 Family residential

0.12 0.05 0.06 0.12 0.15 0.07 0.12 0.22 0.15 0.05 0.09

Commercial and industrial loans

1.05 0.48 0.58 0.96 1.14 0.83 1.09 1.02 1.56 0.76 1.53

Loans to individuals

2.48 0.75 1.46 3.00 2.57 2.97 1.81 1.38 2.72 0.87 3.64

Credit card loans

4.69 2.84 6.31 5.81 4.37 4.82 4.02 4.66 4.64 2.35 4.89

Other loans to individuals

1.12 0.68 0.73 1.16 1.23 1.25 1.09 1.02 1.03 0.82 1.30

All other loans and leases (including farm)

0.36 0.20 0.31 0.44 0.36 0.21 0.22 0.51 0.38 0.34 1.16

Memo: Commercial RE loans not secured by RE

0.19 0.96 0.57 0.19 0.17 0.34 0.13 0.20 0.14 0.29 0.06

Loans Outstanding (in billions)

All real estate loans

$1,737.7 $81.4 $335.1 $312.6 $1,008.7 $363.3 $559.6 $372.4 $136.6 $86.2 $219.5

Construction and development

184.6 7.7 39.9 41.3 95.9 18.2 67.3 39.8 14.7 13.4 31.2

Commercial real estate

479.0 23.0 125.9 107.7 222.4 80.8 145.2 105.5 37.7 31.6 78.2

Multifamily residential real estate

60.6 1.8 11.3 12.6 34.8 15.2 15.3 14.4 4.1 2.4 9.2

Home equity loans

135.2 2.1 14.2 18.5 100.3 27.2 45.9 38.5 7.8 1.4 14.4

Other 1-4 Family residential

808.4 36.4 129.9 127.8 514.2 189.6 275.8 165.4 61.6 33.5 82.4

Commercial and industrial loans

1,025.9 24.7 94.0 126.1 781.0 344.5 264.1 213.8 64.1 37.1 102.4

Loans to individuals

610.6 18.3 60.3 101.2 430.9 232.2 136.1 87.6 47.9 22.7 84.1

Credit card loans

226.3 0.5 7.3 38.1 180.3 109.8 34.1 7.9 20.4 0.6 53.5

Other loans to individuals

384.3 17.8 53.0 63.0 250.5 122.4 102.1 79.7 27.5 22.0 30.7

All other loans and leases (including farm)

487.6 17.1 27.7 35.3 407.5 198.0 107.7 96.3 40.9 10.1 34.5

Memo: Commercial RE loans not secured by RE

47.3 0.3 1.4 3.6 42.0 11.6 22.1 4.9 2.3 0.5 6.0

Memo: Other Real Estate Owned (in millions)

All other real estate owned

$3,202.6 $270.5 $778.9 $450.2 $1,703.0 $711.3 $1,145.0 $474.2 $256.9 $251.9 $363.2

Construction and development

288.5 29.5 142.3 55.1 61.7 33.0 115.8 41.0 36.1 29.4 33.1

Commercial real estate

1,452.9 120.6 333.8 209.4 789.1 327.2 565.4 158.1 98.1 118.4 185.7

Multifamily residential real estate

66.2 4.6 22.9 10.0 28.8 9.5 15.5 12.8 4.2 3.2 21.0

1-4 Family residential

1,149.4 89.0 246.0 170.1 644.3 182.1 437.2 254.7 82.3 80.1 113.0

Farmland

85.1 26.9 33.7 4.6 19.9 1.2 11.2 7.6 36.1 20.9 8.2

Other real estate owned in foreign offices

160.5 0.0 0.2 1.1 159.2 158.3 0.0 0.0 0.0 0.0 2.2

* 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.

N/A - Not Available

Last Updated 09/05/2001 Questions, Suggestions & Requests

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