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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

December 31, 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 1.31 1.55 1.20 1.05 1.41 1.38 1.19 1.64 0.95 1.23 1.07
Construction and development 1.21 1.63 1.15 1.07 1.26 1.23 0.89 1.45 1.20 1.28 1.49
Commercial real estate 0.90 1.16 0.87 0.81 0.94 0.80 0.84 1.24 0.84 0.91 0.65
Multifamily residential real estate 0.69 0.77 0.61 0.48 0.78 0.51 0.75 1.08 0.40 0.60 0.32
Home equity loans 0.91 0.87 0.83 0.80 0.94 0.68 0.81 1.34 0.60 0.49 0.55
Other 1-4 Family residential 1.67 2.01 1.68 1.36 1.71 1.57 1.62 2.10 1.03 1.59 1.48
Commercial and industrial loans 1.02 1.84 1.38 1.26 0.91 0.91 0.71 1.29 1.38 1.17 1.30
Loans to individuals 2.47 2.88 2.60 2.40 2.45 2.70 2.36 2.81 1.77 2.16 2.10
Credit card loans 2.69 2.52 5.08 2.76 2.59 3.20 3.25 2.13 1.58 1.71 2.23
Other loans to individuals 2.34 2.88 2.26 2.19 2.35 2.30 2.15 2.92 2.02 2.17 1.87
All other loans and leases (including farm) 0.85 1.05 0.98 0.95 0.82 0.79 0.45 1.26 0.91 0.96 1.00
Memo: Commercial RE loans not secured by RE 1.02 0.46 0.24 1.02 1.05 0.27 1.44 0.79 2.12 1.37 1.18
Percent of Loans Noncurrent*
All real estate loans 0.96 0.97 0.83 0.84 1.03 1.08 0.79 1.26 0.66 0.90 0.74
Construction and development 1.02 1.03 0.93 1.05 1.03 1.10 0.91 1.05 0.87 0.96 1.20
Commercial real estate 0.98 1.14 0.91 0.89 1.04 0.85 0.89 1.32 0.92 0.92 0.79
Multifamily residential real estate 0.43 0.62 0.50 0.45 0.39 0.26 0.41 0.58 0.48 0.60 0.41
Home equity loans 0.39 0.29 0.34 0.41 0.40 0.29 0.35 0.56 0.26 0.30 0.28
Other 1-4 Family residential 0.96 0.88 0.76 0.80 1.06 0.99 0.79 1.49 0.48 0.82 0.56
Commercial and industrial loans 2.40 1.63 1.35 1.67 2.67 2.82 2.39 2.25 1.20 1.62 2.17
Loans to individuals 1.50 1.00 0.97 1.22 1.65 2.07 0.84 1.16 1.68 0.65 1.35
Credit card loans 2.15 1.67 3.36 2.05 2.13 2.53 1.47 1.55 2.24 1.05 1.83
Other loans to individuals 1.12 0.99 0.64 0.72 1.31 1.70 0.69 1.10 0.90 0.63 0.50
All other loans and leases (including farm) 0.96 1.03 0.98 0.76 0.97 0.56 1.70 0.93 1.15 1.18 1.16
Memo: Commercial RE loans not secured by RE 1.56 0.44 0.08 0.54 1.70 0.26 3.34 0.54 1.00 0.37 0.20
Percent of Loans Charged-off (net)
All real estate loans 0.19 0.08 0.08 0.13 0.24 0.12 0.27 0.25 0.06 0.07 0.08
Construction and development 0.13 0.10 0.13 0.18 0.12 0.10 0.13 0.16 0.10 0.06 0.16
Commercial real estate 0.13 0.10 0.08 0.11 0.18 0.12 0.14 0.22 0.08 0.07 0.06
Multifamily residential real estate 0.03 0.12 0.06 0.00 0.03 0.03 0.03 0.09 -0.01 0.04 -0.02
Home equity loans 0.27 0.04 0.09 0.18 0.32 0.06 0.29 0.44 0.16 0.22 0.12
Other 1-4 Family residential 0.22 0.07 0.08 0.13 0.29 0.10 0.39 0.27 0.05 0.07 0.05
Commercial and industrial loans 1.43 0.74 0.80 1.53 1.51 1.54 1.40 1.38 0.76 0.97 1.69
Loans to individuals 2.72 0.92 1.63 3.39 2.78 3.25 1.74 1.86 3.30 1.01 3.92
Credit card loans 5.12 2.93 6.92 6.72 4.70 5.25 3.62 4.99 6.20 2.69 5.33
Other loans to individuals 1.28 0.87 0.90 1.23 1.40 1.49 1.18 1.36 0.62 0.95 1.30
All other loans and leases (including farm) 0.41 0.36 0.46 0.53 0.40 0.25 0.31 0.70 0.44 0.38 0.76
Memo: Commercial RE loans not secured by RE 0.17 0.90 0.54 0.50 0.12 0.21 0.13 0.25 0.09 0.21 0.10
Loans Outstanding (in billions)
All real estate loans $1,803.6 $79.5 $352.3 $320.2 $1,051.6 $373.6 $538.2 $440.9 $118.0 $90.9 $242.0
Construction and development 193.3 7.5 43.6 41.9 100.3 20.4 68.5 48.4 10.6 14.1 31.3
Commercial real estate 507.5 23.1 134.8 113.2 236.4 83.4 154.4 121.6 31.2 33.8 83.1
Multifamily residential real estate 64.1 1.8 11.8 14.0 36.5 15.6 15.9 16.7 3.2 2.7 10.1
Home equity loans 154.3 2.2 15.4 19.6 117.1 31.1 49.3 48.9 5.4 1.6 17.9
Other 1-4 Family residential 812.0 34.9 132.1 127.0 518.0 188.4 240.2 196.4 56.7 34.7 95.6
Commercial and industrial loans 982.5 23.3 94.7 113.8 750.7 336.3 245.5 225.4 41.2 37.3 96.7
Loans to individuals 631.2 16.9 58.4 98.5 457.4 244.8 126.4 99.0 53.8 22.6 84.6
Credit card loans 232.4 0.4 7.0 37.0 188.0 108.3 23.9 13.9 31.3 0.7 54.4
Other loans to individuals 398.7 16.5 51.4 61.4 269.4 136.5 102.5 85.0 22.5 21.9 30.2
All other loans and leases (including farm) 481.2 15.9 27.7 32.8 404.8 207.0 99.6 106.1 31.0 10.1 27.4
Memo: Commercial RE loans not secured by RE 48.6 0.3 1.3 3.6 43.5 11.7 19.8 8.1 1.0 0.7 7.4
Memo: Other Real Estate Owned (in millions)
All other real estate owned $3,567.7 $310.2 $908.2 $537.0 $1,812.3 $592.0 $1,349.1 $686.0 $262.7 $296.6 $381.2
Construction and development 309.8 29.8 154.7 61.7 63.7 37.8 111.8 47.4 35.6 40.7 36.6
Commercial real estate 1,623.7 138.9 387.4 230.2 867.3 263.2 690.4 231.1 100.6 140.4 198.2
Multifamily residential real estate 64.0 8.7 33.0 7.3 15.1 8.5 14.9 15.8 12.4 4.7 7.6
1-4 Family residential 1,377.1 109.0 291.0 231.9 745.2 167.9 516.7 380.6 94.0 89.3 128.6
Farmland 76.4 23.9 40.8 4.6 7.2 1.3 15.4 11.1 20.0 21.6 7.0
Other real estate owned in foreign offices 116.6 0.0 1.4 1.3 113.9 113.3 0.0 0.0 0.0 0.0 3.3
*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

Last Updated 02/28/2002 Questions, Suggestions & Requests

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