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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 | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
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 |