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Home > News & Events > Quarterly Banking Profile |
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Quarterly Banking Profile |
TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks | |||||||||||
Asset Size Distribution | Geographic Distribution by Region | ||||||||||
Less than $100 Million |
$100 Million to $1 Billion |
$1 Billion to $10 Billion |
Greater than $10 Billion |
East | West | ||||||
March 31, 2001 | All Institutions | North- east |
South- east |
Central | Mid- west |
South- west |
West | ||||
Percent of Loans 30-89 Days Past Due | |||||||||||
All loans secured by real estate | 1.23 | 1.53 | 1.19 | 1.04 | 1.29 | 1.15 | 1.31 | 1.35 | 1.10 | 1.29 | 1.03 |
Construction and development | 1.25 | 1.44 | 1.47 | 1.24 | 1.14 | 1.16 | 1.08 | 1.43 | 1.26 | 1.47 | 1.33 |
Commercial real estate | 0.87 | 1.23 | 0.92 | 0.88 | 0.80 | 0.89 | 0.76 | 1.02 | 0.98 | 1.07 | 0.71 |
Multifamily residential real estate | 0.64 | 0.72 | 0.72 | 0.86 | 0.54 | 0.33 | 0.63 | 0.92 | 0.83 | 0.94 | 0.61 |
Home equity loans | 0.93 | 1.02 | 0.85 | 0.95 | 0.94 | 0.66 | 0.98 | 1.16 | 0.76 | 0.70 | 0.88 |
Other 1-4 Family residential | 1.49 | 1.76 | 1.39 | 1.11 | 1.59 | 1.28 | 1.73 | 1.61 | 1.06 | 1.40 | 1.22 |
Commercial and industrial loans | 0.88 | 2.03 | 1.57 | 1.38 | 0.68 | 0.60 | 0.63 | 1.16 | 1.57 | 1.42 | 1.23 |
Loans to individuals | 2.15 | 2.39 | 2.08 | 2.22 | 2.13 | 2.47 | 1.93 | 1.93 | 2.24 | 1.80 | 1.91 |
Credit card loans | 2.54 | 2.16 | 4.21 | 2.65 | 2.45 | 2.85 | 2.62 | 1.56 | 2.54 | 1.44 | 2.05 |
Other loans to individuals | 1.92 | 2.39 | 1.79 | 1.95 | 1.91 | 2.13 | 1.73 | 1.97 | 2.00 | 1.81 | 1.68 |
All other loans and leases (including farm) | 0.87 | 1.87 | 1.39 | 1.20 | 0.77 | 0.67 | 0.42 | 1.29 | 1.95 | 1.63 | 0.96 |
Memo: Commercial RE loans not secured by RE | 0.71 | 0.37 | 0.53 | 0.90 | 0.69 | 0.39 | 0.33 | 1.02 | 3.11 | 0.04 | 0.73 |
Percent of Loans Noncurrent* | |||||||||||
All real estate loans | 0.87 | 0.87 | 0.71 | 0.78 | 0.95 | 0.93 | 0.91 | 0.98 | 0.62 | 0.80 | 0.67 |
Construction and development | 0.86 | 0.79 | 0.83 | 0.89 | 0.86 | 1.21 | 0.78 | 0.92 | 1.01 | 0.72 | 0.73 |
Commercial real estate | 0.79 | 0.97 | 0.73 | 0.80 | 0.80 | 0.78 | 0.75 | 0.97 | 0.64 | 0.85 | 0.68 |
Multifamily residential real estate | 0.39 | 0.43 | 0.44 | 0.54 | 0.32 | 0.30 | 0.39 | 0.49 | 0.31 | 0.33 | 0.45 |
Home equity loans | 0.49 | 0.31 | 0.38 | 0.41 | 0.52 | 0.31 | 0.32 | 0.86 | 0.33 | 0.40 | 0.32 |
Other 1-4 Family residential | 0.93 | 0.78 | 0.65 | 0.78 | 1.06 | 0.86 | 1.11 | 1.05 | 0.50 | 0.76 | 0.64 |
Commercial and industrial loans | 1.82 | 1.51 | 1.34 | 1.58 | 1.92 | 1.90 | 2.06 | 1.60 | 1.20 | 1.62 | 1.82 |
Loans to individuals | 1.40 | 0.89 | 0.88 | 1.24 | 1.54 | 2.15 | 0.84 | 0.65 | 1.31 | 0.61 | 1.36 |
Credit card loans | 2.18 | 2.00 | 3.32 | 2.22 | 2.12 | 2.59 | 1.79 | 0.95 | 1.97 | 1.01 | 1.88 |
Other loans to individuals | 0.96 | 0.86 | 0.55 | 0.63 | 1.14 | 1.77 | 0.56 | 0.62 | 0.79 | 0.60 | 0.47 |
All other loans and leases (including farm) | 0.79 | 1.04 | 1.01 | 0.70 | 0.78 | 0.68 | 0.75 | 0.76 | 1.19 | 1.16 | 1.17 |
Memo: Commercial RE loans not secured by RE | 0.47 | 0.33 | 0.33 | 0.28 | 0.51 | 0.40 | 0.69 | 0.69 | 0.26 | 0.17 | 0.17 |
Percent of Loans Charged-off (net, annual) | |||||||||||
All real estate loans | 0.12 | 0.04 | 0.04 | 0.10 | 0.15 | 0.09 | 0.11 | 0.17 | 0.19 | 0.04 | 0.06 |
Construction and development | 0.11 | 0.08 | 0.02 | 0.12 | 0.14 | 0.04 | 0.15 | 0.19 | 0.12 | 0.03 | -0.02 |
Commercial real estate | 0.10 | 0.04 | 0.05 | 0.06 | 0.16 | 0.03 | 0.09 | 0.15 | 0.23 | 0.03 | 0.10 |
Multifamily residential real estate | 0.03 | 0.11 | 0.02 | -0.02 | 0.05 | 0.00 | 0.07 | 0.05 | 0.08 | 0.02 | -0.03 |
Home equity loans | 0.26 | 0.04 | 0.07 | 0.51 | 0.25 | 0.25 | 0.30 | 0.25 | 0.26 | 0.25 | 0.23 |
Other 1-4 Family residential | 0.10 | 0.04 | 0.05 | 0.09 | 0.13 | 0.08 | 0.10 | 0.18 | 0.16 | 0.04 | 0.03 |
Commercial and industrial loans | 0.90 | 0.35 | 0.43 | 0.67 | 1.00 | 0.71 | 0.98 | 0.90 | 1.07 | 0.66 | 1.30 |
Loans to individuals | 2.43 | 0.72 | 1.38 | 2.78 | 2.57 | 2.94 | 1.90 | 1.39 | 2.70 | 0.87 | 3.24 |
Credit card loans | 4.44 | 2.02 | 5.92 | 5.04 | 4.25 | 4.70 | 4.15 | 4.34 | 4.49 | 1.94 | 4.15 |
Other loans to individuals | 1.17 | 0.67 | 0.68 | 1.22 | 1.29 | 1.27 | 1.17 | 1.05 | 1.00 | 0.82 | 1.47 |
All other loans and leases (including farm) | 0.38 | 0.19 | 0.24 | 0.35 | 0.40 | 0.19 | 0.20 | 0.63 | 0.37 | 0.29 | 1.36 |
Memo: Commercial RE loans not secured by RE | 0.32 | 2.17 | 1.16 | 0.23 | 0.28 | 0.73 | 0.18 | 0.08 | 0.22 | 0.59 | 0.02 |
Loans Outstanding (in billions) | |||||||||||
All real estate loans | $1,698.7 | $81.0 | $328.5 | $308.7 | $980.4 | $362.3 | $548.1 | $364.3 | $131.1 | $84.1 | $208.7 |
Construction and development | 173.8 | 7.3 | 37.7 | 39.9 | 88.9 | 16.9 | 63.7 | 36.8 | 14.5 | 12.8 | 29.2 |
Commercial real estate | 469.4 | 22.6 | 122.4 | 104.9 | 219.5 | 79.1 | 143.7 | 103.6 | 36.7 | 30.8 | 75.5 |
Multifamily residential real estate | 61.0 | 1.8 | 11.0 | 12.5 | 35.8 | 15.3 | 16.8 | 13.5 | 4.0 | 2.4 | 8.9 |
Home equity loans | 119.1 | 2.0 | 13.7 | 18.2 | 85.2 | 26.8 | 33.1 | 36.8 | 7.7 | 1.4 | 13.4 |
Other 1-4 Family residential | 806.0 | 37.0 | 130.0 | 128.8 | 510.2 | 191.4 | 281.1 | 165.0 | 57.6 | 33.1 | 77.8 |
Commercial and industrial loans | 1,045.6 | 24.5 | 92.4 | 123.5 | 805.2 | 348.8 | 273.6 | 220.4 | 64.0 | 37.1 | 101.8 |
Loans to individuals | 598.4 | 18.4 | 59.8 | 101.8 | 418.4 | 223.8 | 131.7 | 87.6 | 49.0 | 23.1 | 83.3 |
Credit card loans | 216.5 | 0.5 | 7.2 | 39.1 | 169.8 | 104.0 | 29.9 | 8.0 | 21.4 | 0.7 | 52.5 |
Other loans to individuals | 381.8 | 17.9 | 52.6 | 62.7 | 248.6 | 119.7 | 101.9 | 79.5 | 27.5 | 22.4 | 30.8 |
All other loans and leases (including farm) | 488.6 | 16.3 | 26.2 | 34.2 | 411.9 | 203.3 | 107.2 | 93.9 | 37.3 | 9.6 | 37.3 |
Memo: Commercial RE loans not secured by RE | 37.4 | 0.5 | 1.5 | 4.2 | 31.2 | 11.5 | 10.6 | 5.7 | 2.5 | 0.7 | 6.4 |
Memo: Other Real Estate Owned (in millions) | |||||||||||
All other real estate owned | $3,053.1 | $267.1 | $727.6 | $409.5 | $1,648.8 | $746.0 | $1,059.0 | $463.7 | $236.1 | $240.8 | $307.5 |
Construction and development | 260.0 | 27.9 | 124.4 | 45.9 | 61.8 | 42.0 | 108.1 | 39.4 | 19.0 | 27.1 | 24.3 |
Commercial real estate | 1,347.6 | 118.8 | 302.0 | 187.6 | 739.2 | 325.2 | 511.5 | 150.8 | 95.7 | 109.4 | 155.0 |
Multifamily residential real estate | 67.3 | 6.5 | 26.0 | 9.8 | 25.0 | 14.9 | 12.0 | 11.3 | 4.7 | 4.1 | 20.3 |
1-4 Family residential | 1,121.5 | 89.9 | 240.8 | 160.8 | 630.1 | 192.5 | 412.5 | 253.6 | 83.5 | 80.5 | 98.9 |
Farmland | 85.1 | 24.2 | 34.2 | 4.6 | 22.1 | 1.5 | 14.9 | 8.5 | 33.2 | 19.6 | 7.3 |
Other real estate owned in foreign offices | 171.5 | 0.0 | 0.2 | 0.7 | 170.6 | 169.9 | 0.0 | 0.0 | 0.0 | 0.0 | 1.6 |
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. |
Last Updated 06/07/2001 | Questions, Suggestions & Requests |