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Home > News & Events > Preliminary Bank Earnings Report -- Second Quarter, 2002




Preliminary Bank Earnings Report -- Second Quarter, 2002

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, 2002

North-
east
South-
east
Central  Mid-
west
South-
west
West
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 1.03 1.29 0.92 0.87 1.09 1.07 0.91 1.30 0.98 0.99 0.78
Construction and development 1.03 1.38 0.91 0.94 1.10 0.67 0.65 1.31 1.14 1.08 1.61
Commercial real estate 0.72 0.96 0.73 0.77 0.66 0.76 0.62 0.92 0.84 0.77 0.48
Multifamily residential real estate 0.43 0.66 0.45 0.46 0.40 0.24 0.50 0.63 0.41 0.63 0.22
Home equity loans 0.57 0.75 0.53 0.55 0.57 0.46 0.54 0.68 0.57 0.48 0.52
Other 1-4 Family residential 1.34 1.65 1.24 1.03 1.41 1.26 1.26 1.83 1.13 1.24 0.91
Commercial and industrial loans 1.13 1.81 1.37 1.35 1.04 1.03 1.01 1.26 1.55 1.27 1.18
Loans to individuals 2.05 2.44 2.23 1.97 2.03 2.24 1.85 1.81 2.46 1.81 1.79
Credit card loans 2.55 2.31 5.32 2.46 2.49 2.66 3.48 1.94 2.84 1.40 1.95
Other loans to individuals 1.74 2.44 1.86 1.70 1.70 1.86 1.60 1.80 1.74 1.82 1.53
All other loans and leases (including farm) 0.61 0.97 0.97 0.69 0.57 0.54 0.36 0.79 1.05 0.91 0.63
Total loans and leases 1.17 1.48 1.13 1.13 1.17 1.24 0.99 1.28 1.45 1.16 1.04
Memo: Commercial RE loans not secured by RE 1.00 0.61 0.29 0.76 1.06 0.59 0.47 2.02 1.72 1.91 0.95
Percent of Loans Noncurrent*
All real estate loans 0.95 0.99 0.83 0.83 1.02 1.09 0.76 1.32 0.73 0.88 0.64
Construction and development 1.08 0.98 0.99 1.12 1.11 1.03 0.96 1.27 0.94 0.82 1.26
Commercial real estate 0.97 1.11 0.91 0.86 1.05 0.94 0.88 1.31 0.92 0.93 0.72
Multifamily residential real estate 0.38 0.65 0.48 0.28 0.38 0.29 0.37 0.50 0.38 0.78 0.22
Home equity loans 0.32 0.30 0.28 0.33 0.32 0.27 0.26 0.43 0.32 0.43 0.27
Other 1-4 Family residential 1.00 0.87 0.74 0.81 1.11 1.10 0.76 1.70 0.55 0.79 0.42
Commercial and industrial loans 2.87 1.82 1.43 1.76 3.28 3.83 2.63 2.47 1.46 1.50 2.28
Loans to individuals 1.41 0.94 0.83 1.08 1.55 2.07 0.76 0.66 1.62 0.69 1.21
Credit card loans 2.04 1.40 3.07 1.94 2.03 2.29 1.86 1.39 2.04 0.85 1.70
Other loans to individuals 1.02 0.93 0.56 0.61 1.20 1.88 0.59 0.56 0.83 0.69 0.39
All other loans and leases (including farm) 0.89 1.31 1.26 0.82 0.85 0.88 0.78 0.85 1.11 1.45 1.06
Total loans and leases 1.47 1.17 0.96 1.06 1.68 2.03 1.18 1.46 1.11 1.03 1.10
Memo: Commercial RE loans not secured by RE 0.79 0.49 0.28 0.64 0.84 0.20 1.28 1.09 1.43 0.33 0.38
Percent of Loans Charged-off (net, YTD)
All real estate loans 0.15 0.08 0.08 0.13 0.18 0.10 0.11 0.29 0.08 0.09 0.08
Construction and development 0.12 0.13 0.09 0.18 0.12 0.15 0.09 0.16 0.17 0.05 0.14
Commercial real estate 0.14 0.11 0.10 0.16 0.16 0.04 0.09 0.32 0.14 0.11 0.10
Multifamily residential real estate 0.06 0.04 0.04 0.08 0.05 0.06 0.05 0.10 0.00 0.04 0.01
Home equity loans 0.20 0.03 0.04 0.14 0.23 0.05 0.18 0.38 0.10 0.15 0.07
Other 1-4 Family residential 0.14 0.07 0.07 0.09 0.18 0.08 0.12 0.31 0.05 0.09 0.04
Commercial and industrial loans 1.60 0.63 0.64 1.28 1.80 1.81 1.64 1.40 0.80 0.70 1.94
Loans to individuals 3.49 0.83 1.73 2.73 3.93 4.94 1.50 1.86 4.58 0.95 3.72
Credit card loans 7.05 3.75 9.05 5.64 7.23 8.54 4.09 5.40 6.87 3.13 5.14
Other loans to individuals 1.36 0.74 0.82 1.11 1.55 1.81 1.11 1.33 0.45 0.89 1.34
All other loans and leases (including farm) 0.52 0.17 0.34 0.43 0.55 0.59 0.25 0.68 0.21 0.38 0.62
Total loans and leases 1.10 0.28 0.37 0.82 1.34 1.75 0.65 0.80 1.33 0.37 1.17
Memo: Commercial RE loans not secured by RE 0.09 0.79 0.16 0.22 0.08 0.02 0.18 0.10 0.02 0.22 0.03
Loans Outstanding (in billions)
All real estate loans $1,886.9 $80.6 $365.2 $329.4 $1,111.7 $376.8 $579.3 $454.8 $121.2 $94.4 $260.4
Construction and development 198.6 7.4 45.8 42.5 102.9 21.0 70.4 49.7 10.8 14.7 32.1
Commercial real estate 532.6 24.3 145.5 119.2 243.7 87.3 161.0 125.6 33.1 36.4 89.3
Multifamily residential real estate 69.4 1.9 13.0 14.8 39.8 15.6 17.2 19.1 3.4 2.9 11.1
Home equity loans 188.3 2.4 17.2 21.9 146.9 37.5 58.8 60.9 6.1 1.7 23.3
Other 1-4 Family residential 824.6 34.3 128.1 126.4 535.8 181.3 261.6 190.5 56.3 34.6 100.3
Commercial and industrial loans 938.7 23.1 94.9 115.9 704.9 317.0 227.0 218.7 42.5 37.6 96.0
Loans to individuals 662.5 16.3 55.1 96.1 494.9 266.4 122.9 102.2 63.6 22.0 85.4
Credit card loans 250.4 0.5 6.0 34.1 209.9 125.5 16.5 13.3 41.4 0.6 53.1
Other loans to individuals 412.0 15.9 49.1 62.0 285.0 140.8 106.4 88.9 22.2 21.4 32.3
All other loans and leases (including farm) 487.2 16.1 28.1 38.6 404.5 199.3 95.6 121.1 30.1 10.0 31.1
Total loans and leases 3,975.4 136.1 543.3 579.9 2,716.0 1,159.5 1,024.7 896.8 257.3 164.0 473.0
Memo: Commercial RE loans not secured by RE 38.8 0.3 1.5 3.4 33.6 9.1 11.7 9.0 0.8 0.7 7.4
Memo: Other Real Estate Owned (in millions)
All other real estate owned $3,873.5 $323.4 $1,008.0 $651.9 $1,890.2 $584.9 $1,326.1 $896.0 $297.1 $332.4 $437.0
Construction and development 351.9 34.3 169.3 74.0 74.3 42.7 119.0 56.9 32.9 45.2 55.1
Commercial real estate 1,806.1 143.2 466.3 329.1 867.5 269.8 696.0 287.2 138.1 168.1 246.9
Multifamily residential real estate 68.9 9.9 39.1 7.4 12.5 11.9 15.2 10.4 13.1 5.8 12.5
1-4 Family residential 1,457.0 110.3 291.0 231.8 823.9 151.8 480.9 531.5 92.2 92.0 108.7
Farmland 79.1 25.7 40.5 7.8 5.0 1.6 14.9 9.9 20.7 21.3 10.6
Other real estate owned in foreign offices 110.5 0.0 1.7 1.8 107.0 107.3 0.0 0.0 0.0 0.0 3.2
*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 08/28/2002 research@fdic.gov

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