|
|
Asset Size Distribution |
Geographical Distribution by Region |
|
|
Less |
$100 Million |
$1 Billion |
Greater |
East |
West |
September 30, 2000 |
All |
than $100 |
to |
to |
than $10 |
North- |
South- |
|
Mid- |
South- |
|
|
Institutions |
Million |
$1 Billion |
$10 Billion |
Billion |
east |
east |
Central |
west |
west |
West |
Percent of Loans 30-89 Days Past
Due |
All loans secured by real estate |
1.09 |
1.22 |
0.92 |
0.89 |
1.19 |
1.08 |
1.18 |
1.22 |
0.91 |
0.98 |
0.75 |
Construction and development |
1.04 |
1.15 |
1.07 |
0.88 |
1.09 |
0.76 |
0.81 |
1.56 |
1.47 |
1.06 |
0.89 |
Commercial real estate |
0.66 |
0.96 |
0.67 |
0.74 |
0.58 |
0.68 |
0.58 |
0.79 |
0.75 |
0.77 |
0.51 |
Multifamily residential real estate |
0.55 |
0.57 |
0.66 |
0.69 |
0.46 |
0.35 |
0.46 |
0.76 |
0.89 |
0.76 |
0.56 |
Home equity loans |
0.85 |
0.78 |
0.69 |
0.85 |
0.87 |
0.67 |
0.66 |
1.38 |
0.73 |
0.65 |
0.58 |
Other 1-4 Family residential |
1.42 |
1.59 |
1.18 |
1.04 |
1.57 |
1.34 |
1.68 |
1.46 |
0.94 |
1.21 |
0.99 |
Commercial and industrial loans* |
0.83 |
1.34 |
1.28 |
1.23 |
0.64 |
0.57 |
0.60 |
1.13 |
1.63 |
1.25 |
1.04 |
Loans to individuals |
2.29 |
2.27 |
2.13 |
2.31 |
2.31 |
2.54 |
2.27 |
2.21 |
2.17 |
1.62 |
2.07 |
Credit card loans |
2.61 |
1.96 |
3.88 |
2.78 |
2.51 |
2.91 |
2.93 |
2.20 |
2.26 |
1.24 |
2.13 |
Other loans to individuals |
2.08 |
2.28 |
1.81 |
2.07 |
2.13 |
2.19 |
2.05 |
2.21 |
2.07 |
1.63 |
1.94 |
All other loans and leases (including
farm) |
0.64 |
N/A |
N/A |
1.01 |
0.66 |
0.63 |
0.39 |
1.10 |
0.57 |
0.32 |
0.45 |
Memo: Commercial RE loans not secured by
RE |
0.57 |
0.89 |
0.53 |
0.38 |
0.58 |
0.15 |
0.22 |
1.11 |
2.34 |
0.44 |
0.85 |
Percent of Loans
Noncurrent** |
All real estate loans |
0.77 |
0.76 |
0.64 |
0.70 |
0.84 |
0.86 |
0.80 |
0.80 |
0.58 |
0.79 |
0.59 |
Construction and development |
0.74 |
0.56 |
0.72 |
0.77 |
0.76 |
0.76 |
0.75 |
0.77 |
0.77 |
0.85 |
0.62 |
Commercial real estate |
0.75 |
0.80 |
0.64 |
0.76 |
0.80 |
0.81 |
0.70 |
0.82 |
0.69 |
0.89 |
0.65 |
Multifamily residential real estate |
0.34 |
0.48 |
0.38 |
0.37 |
0.31 |
0.17 |
0.31 |
0.45 |
0.23 |
0.65 |
0.48 |
Home equity loans |
0.35 |
0.30 |
0.32 |
0.33 |
0.36 |
0.31 |
0.24 |
0.59 |
0.28 |
0.27 |
0.25 |
Other 1-4 Family residential |
0.81 |
0.69 |
0.60 |
0.70 |
0.90 |
0.80 |
0.96 |
0.83 |
0.44 |
0.65 |
0.55 |
Commercial and industrial loans* |
1.52 |
1.32 |
1.25 |
1.28 |
1.54 |
1.68 |
1.53 |
1.27 |
1.26 |
1.68 |
1.54 |
Loans to individuals |
1.35 |
0.81 |
0.83 |
1.04 |
1.53 |
2.07 |
0.92 |
0.72 |
1.03 |
0.51 |
1.22 |
Credit card loans |
1.97 |
1.06 |
2.37 |
1.87 |
1.98 |
2.40 |
1.89 |
1.16 |
1.44 |
0.70 |
1.62 |
Other loans to individuals |
0.95 |
0.80 |
0.54 |
0.60 |
1.16 |
1.76 |
0.60 |
0.67 |
0.59 |
0.50 |
0.45 |
All other loans and leases (including
farm) |
0.47 |
N/A |
N/A |
0.52 |
0.48 |
0.39 |
0.47 |
0.60 |
0.43 |
0.62 |
0.54 |
Memo: Commercial RE loans not secured by
RE |
0.53 |
1.16 |
0.26 |
0.55 |
0.53 |
0.41 |
0.79 |
0.69 |
0.11 |
1.15 |
0.21 |
Percent of Loans
Charged-off (net, YTD) |
All real estate loans |
0.08 |
0.04 |
0.04 |
0.08 |
0.10 |
0.07 |
0.09 |
0.10 |
0.10 |
0.06 |
0.06 |
Construction and development |
0.04 |
0.08 |
0.02 |
0.07 |
0.03 |
0.01 |
0.04 |
0.03 |
0.04 |
0.08 |
0.04 |
Commercial real estate |
0.04 |
0.05 |
0.02 |
0.04 |
0.06 |
0.02 |
0.04 |
0.09 |
0.01 |
0.04 |
0.03 |
Multifamily residential real estate |
0.02 |
0.00 |
0.03 |
0.00 |
0.02 |
-0.04 |
0.01 |
0.02 |
-0.04 |
-0.01 |
0.16 |
Home equity loans |
0.16 |
0.05 |
0.04 |
0.16 |
0.19 |
0.09 |
0.15 |
0.28 |
0.18 |
0.32 |
0.06 |
Other 1-4 Family residential |
0.10 |
0.04 |
0.05 |
0.12 |
0.11 |
0.06 |
0.11 |
0.09 |
0.19 |
0.07 |
0.10 |
Commercial and industrial loans* |
0.64 |
0.37 |
0.43 |
0.68 |
0.64 |
0.62 |
0.60 |
0.47 |
0.60 |
0.63 |
1.18 |
Loans to individuals |
2.23 |
0.73 |
1.63 |
2.36 |
2.37 |
2.68 |
1.67 |
1.14 |
3.11 |
0.85 |
3.01 |
Credit card loans |
4.31 |
4.03 |
7.42 |
5.09 |
3.98 |
4.33 |
3.78 |
3.66 |
5.61 |
3.44 |
4.06 |
Other loans to individuals |
0.94 |
0.57 |
0.53 |
0.93 |
1.08 |
1.10 |
0.99 |
0.80 |
0.51 |
0.75 |
1.14 |
All other loans and leases (including
farm) |
0.20 |
N/A |
N/A |
0.24 |
0.20 |
0.11 |
0.23 |
0.25 |
0.23 |
0.09 |
0.45 |
Memo: Commercial RE loans not secured by
RE |
0.11 |
0.32 |
0.90 |
0.00 |
0.09 |
0.23 |
0.11 |
0.02 |
0.03 |
0.02 |
-0.04 |
Loans Outstanding (in
billions) |
|
All real estate loans |
$1,659.4 |
$82.7 |
$323.6 |
$304.4 |
$948.8 |
$356.4 |
$552.8 |
$338.3 |
$128.8 |
$89.7 |
$193.3 |
Construction and development |
157.3 |
6.9 |
35.2 |
35.0 |
80.1 |
16.5 |
58.2 |
30.9 |
13.6 |
12.0 |
26.1 |
Commercial real estate |
456.1 |
23.1 |
118.5 |
102.9 |
211.6 |
79.7 |
137.3 |
97.5 |
35.4 |
33.7 |
72.4 |
Multifamily residential real
estate |
60.1 |
1.8 |
10.9 |
12.4 |
35.0 |
15.5 |
16.1 |
12.7 |
3.9 |
2.7 |
9.2 |
Home equity loans |
122.9 |
2.0 |
13.7 |
19.8 |
87.4 |
26.3 |
41.3 |
32.4 |
7.2 |
2.0 |
13.7 |
Other 1-4 Family residential |
797.7 |
38.2 |
131.9 |
130.0 |
497.6 |
189.2 |
290.2 |
156.1 |
58.3 |
35.6 |
68.2 |
Commercial and industrial loans |
1,044.3 |
24.6 |
90.9 |
122.2 |
806.6 |
348.6 |
281.5 |
208.6 |
63.7 |
43.4 |
98.7 |
Loans to individuals |
584.4 |
19.7 |
64.2 |
96.0 |
404.6 |
216.7 |
122.2 |
77.7 |
51.5 |
32.9 |
83.4 |
Credit card loans |
228.7 |
0.7 |
10.0 |
33.1 |
184.9 |
106.8 |
29.9 |
8.7 |
26.8 |
1.2 |
55.3 |
Other loans to individuals |
355.7 |
19.0 |
54.2 |
62.8 |
219.7 |
109.9 |
92.2 |
69.0 |
24.7 |
31.7 |
28.1 |
All other loans and leases (including
farm) |
492.1 |
17.7 |
27.1 |
32.8 |
414.5 |
205.5 |
105.9 |
92.4 |
37.7 |
13.9 |
36.6 |
Memo: Commercial RE loans not secured by
RE |
34.8 |
0.2 |
1.2 |
3.1 |
30.3 |
11.2 |
10.4 |
5.0 |
2.3 |
0.7 |
5.2 |
Memo: Other Real Estate
Owned (in millions) |
All other real estate owned |
$2,817.3 |
$266.7 |
$658.8 |
$397.6 |
$1,494.3 |
$759.4 |
$905.4 |
$393.7 |
$201.2 |
$238.0 |
$319.6 |
Construction and development |
214.2 |
22.3 |
92.9 |
39.5 |
59.5 |
40.5 |
94.3 |
22.0 |
14.7 |
19.2 |
23.5 |
Commercial real estate& |
1,245.2 |
122.1 |
292.4 |
183.6 |
647.0 |
344.8 |
411.9 |
133.8 |
78.8 |
110.5 |
165.3 |
Multifamily residential real
estate |
53.0 |
8.4 |
25.0 |
11.3 |
8.3 |
9.7 |
7.1 |
8.6 |
6.7 |
9.4 |
11.4 |
1-4 Family residential |
1,036.8 |
84.3 |
215.9 |
156.0 |
580.6 |
172.9 |
382.8 |
218.9 |
75.2 |
77.8 |
109.2 |
Farmland |
76.5 |
29.5 |
32.5 |
6.3 |
8.2 |
3.3 |
9.3 |
8.6 |
25.7 |
21.0 |
8.7 |
Other real estate owned in foreign
offices |
191.6 |
0.0 |
0.1 |
0.8 |
190.6 |
188.2 |
0.0 |
1.8 |
0.0 |
0.0 |
1.6 |
* Includes "All other
loans" for institutions under $1 billion in asset size. |
N/A - Not
Available |
** 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. |