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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

September 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 1.23 1.40 1.11 0.99 1.33 1.41 1.08 1.48 0.88 1.22 1.02
Construction and development 1.27 1.41 1.35 1.21 1.25 1.12 0.93 1.60 1.40 1.23 1.59
Commercial real estate 0.91 1.18 0.88 0.85 0.91 1.07 0.75 1.13 0.90 1.11 0.64
Multifamily residential real estate 0.73 0.77 0.51 0.65 0.83 0.95 0.46 0.78 0.58 1.03 0.77
Home equity loans 0.88 0.83 0.79 0.88 0.90 0.80 0.83 1.13 0.61 0.56 0.65
Other 1-4 Family residential 1.47 1.78 1.39 1.09 1.57 1.45 1.42 1.89 0.86 1.38 1.28
Commercial and industrial loans 1.10 1.90 1.53 1.54 0.96 0.80 0.69 1.67 1.87 1.21 1.47
Loans to individuals 2.37 2.59 2.40 2.43 2.35 2.62 2.15 2.34 2.38 1.90 2.18
Credit card loans 2.76 2.33 5.45 3.01 2.60 3.06 2.53 2.37 2.93 1.59 2.35
Other loans to individuals 2.15 2.60 1.99 2.08 2.17 2.26 2.04 2.34 2.00 1.91 1.88
All other loans and leases (including farm) 1.13 0.79 0.72 0.96 1.19 0.63 1.91 1.38 0.80 1.02 1.41
Memo: Commercial RE loans not secured by RE 1.19 0.70 0.42 1.32 1.21 1.52 0.54 1.55 3.49 0.91 2.17
Percent of Loans Noncurrent*
All real estate loans 0.93 0.98 0.82 0.87 0.99 1.05 0.78 1.20 0.66 0.87 0.80
Construction and development 1.07 0.95 0.94 1.18 1.08 1.06 0.97 1.16 0.97 0.88 1.25
Commercial real estate 0.95 1.13 0.88 0.89 1.00 0.86 0.88 1.22 0.94 0.92 0.82
Multifamily residential real estate 0.40 0.53 0.53 0.39 0.35 0.25 0.46 0.51 0.32 0.47 0.33
Home equity loans 0.41 0.40 0.38 0.45 0.41 0.32 0.32 0.64 0.31 0.30 0.30
Other 1-4 Family residential 0.92 0.87 0.73 0.83 1.00 1.02 0.75 1.39 0.43 0.79 0.65
Commercial and industrial loans 2.17 1.72 1.43 1.75 2.34 2.45 2.17 2.05 1.31 1.79 2.00
Loans to individuals 1.42 0.98 1.00 1.31 1.52 2.10 0.83 0.81 1.32 0.64 1.43
Credit card loans 2.18 1.72 3.80 2.42 2.07 2.57 1.51 1.62 2.02 1.01 1.98
Other loans to individuals 0.99 0.96 0.63 0.65 1.16 1.71 0.64 0.69 0.84 0.63 0.45
All other loans and leases (including farm) 0.99 1.07 1.05 0.67 1.01 0.60 1.77 0.90 1.16 1.22 1.13
Memo: Commercial RE loans not secured by RE 0.97 0.34 0.16 0.36 1.05 0.36 1.62 0.72 0.91 0.24 0.23
Percent of Loans Charged-off (net, YTD)
All real estate loans 0.18 0.05 0.06 0.13 0.24 0.10 0.29 0.22 0.05 0.05 0.08
Construction and development 0.10 0.06 0.06 0.19 0.08 0.10 0.09 0.12 0.09 0.06 0.07
Commercial real estate 0.10 0.06 0.05 0.08 0.14 0.07 0.09 0.20 0.05 0.03 0.05
Multifamily residential real estate 0.02 0.11 0.02 0.02 0.02 0.03 0.04 0.04 -0.02 0.02 -0.04
Home equity loans 0.23 0.02 0.08 0.16 0.26 0.06 0.31 0.29 0.17 0.23 0.13
Other 1-4 Family residential 0.24 0.05 0.06 0.15 0.33 0.10 0.46 0.24 0.05 0.06 0.09
Commercial and industrial loans 1.12 0.55 0.64 1.07 1.20 0.87 1.21 1.34 0.63 0.84 1.52
Loans to individuals 2.53 0.81 1.49 3.15 2.60 3.10 1.65 1.62 2.64 0.92 3.78
Credit card loans 4.79 2.63 6.36 6.20 4.41 5.05 3.40 4.25 5.24 2.46 5.08
Other loans to individuals 1.17 0.76 0.79 1.16 1.28 1.32 1.10 1.22 0.59 0.87 1.37
All other loans and leases (including farm) 0.39 0.33 0.40 0.52 0.38 0.21 0.26 0.68 0.43 0.34 0.90
Memo: Commercial RE loans not secured by RE 0.16 0.80 0.40 0.24 0.14 0.28 0.10 0.19 0.15 0.21 0.09
Loans Outstanding (in billions)
All real estate loans $1,748.6 $81.0 $343.1 $313.6 $1,010.9 $362.9 $551.9 $401.6 $115.5 $88.4 $228.3 $0.0 $0.0
Construction and development 190.5 7.8 42.1 41.4 99.2 19.4 68.4 46.0 10.4 14.1 32.2 $0.0 $0.0
Commercial real estate 493.5 23.2 130.5 108.1 231.7 82.3 152.0 115.9 30.0 32.6 80.7 $0.0 $0.0
Multifamily residential real estate 63.5 1.8 11.4 13.4 36.9 15.1 17.2 15.9 3.1 2.6 9.7 $0.0 $0.0
Home equity loans 145.7 2.2 14.8 19.2 109.5 29.1 47.9 44.6 5.4 1.5 17.1 $0.0 $0.0
Other 1-4 Family residential 785.3 35.8 130.0 127.3 492.3 184.6 256.5 170.1 55.9 33.9 84.4 $0.0 $0.0
Commercial and industrial loans 1,010.6 24.1 93.3 117.5 775.7 342.6 255.5 232.6 41.6 37.2 101.1 $0.0 $0.0
Loans to individuals 607.5 17.9 59.9 99.3 430.4 231.8 132.5 96.2 39.7 22.9 84.5 $0.0 $0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Credit card loans 218.4 0.5 7.0 37.3 173.6 105.9 29.5 12.1 16.1 0.7 54.2 $0.0 $0.0
Other loans to individuals 389.1 17.4 52.9 62.0 256.8 126.0 103.0 84.0 23.6 22.2 30.3 $0.0 $0.0
All other loans and leases (including farm) 496.3 16.8 28.1 36.5 414.8 210.5 104.2 108.8 31.0 10.1 31.7 $0.0 $0.0
Memo: Commercial RE loans not secured by RE 45.7 0.3 1.4 3.5 40.4 11.5 20.5 6.3 0.7 0.6 6.0 $0.0 $0.0
Memo: Other Real Estate Owned (in millions)
All other real estate owned $3,457.1 $292.5 $852.6 $475.4 $1,836.7 $666.4 $1,262.6 $593.5 $254.4 $277.2 $403.0 $0.0 $0.0 0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Construction and development 289.0 32.5 135.5 60.6 60.4 34.5 107.3 38.0 38.7 34.2 36.3 $0.0 $0.0
Commercial real estate 1,593.1 127.6 367.6 209.2 888.7 316.2 651.0 182.7 95.7 134.1 213.4 $0.0 $0.0
Multifamily residential real estate 64.2 5.6 36.0 10.5 12.0 8.8 9.3 16.4 13.7 3.7 12.4 $0.0 $0.0
1-4 Family residential 1,276.3 100.1 273.8 186.6 715.7 166.5 482.0 327.3 86.3 84.8 129.4 $0.0 $0.0
Farmland 92.0 26.6 38.7 7.2 19.5 1.2 13.1 29.1 20.0 20.5 8.0 $0.0 $0.0
Other real estate owned in foreign offices 142.6 0.0 0.9 1.3 140.4 139.3 0.0 0.0 0.0 0.0 3.3 $0.0 $0.0
*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 11/29/2001 research@fdic.gov

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