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Home > News & Events > Quarterly Banking Profile |
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Quarterly Banking Profile |
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| 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 | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|
|
December 31, 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 | 1.31 | 1.55 | 1.20 | 1.05 | 1.41 | 1.38 | 1.19 | 1.64 | 0.95 | 1.23 | 1.07 |
| Construction and development | 1.21 | 1.63 | 1.15 | 1.07 | 1.26 | 1.23 | 0.89 | 1.45 | 1.20 | 1.28 | 1.49 |
| Commercial real estate | 0.90 | 1.16 | 0.87 | 0.81 | 0.94 | 0.80 | 0.84 | 1.24 | 0.84 | 0.91 | 0.65 |
| Multifamily residential real estate | 0.69 | 0.77 | 0.61 | 0.48 | 0.78 | 0.51 | 0.75 | 1.08 | 0.40 | 0.60 | 0.32 |
| Home equity loans | 0.91 | 0.87 | 0.83 | 0.80 | 0.94 | 0.68 | 0.81 | 1.34 | 0.60 | 0.49 | 0.55 |
| Other 1-4 Family residential | 1.67 | 2.01 | 1.68 | 1.36 | 1.71 | 1.57 | 1.62 | 2.10 | 1.03 | 1.59 | 1.48 |
| Commercial and industrial loans | 1.02 | 1.84 | 1.38 | 1.26 | 0.91 | 0.91 | 0.71 | 1.29 | 1.38 | 1.17 | 1.30 |
| Loans to individuals | 2.47 | 2.88 | 2.60 | 2.40 | 2.45 | 2.70 | 2.36 | 2.81 | 1.77 | 2.16 | 2.10 |
| Credit card loans | 2.69 | 2.52 | 5.08 | 2.76 | 2.59 | 3.20 | 3.25 | 2.13 | 1.58 | 1.71 | 2.23 |
| Other loans to individuals | 2.34 | 2.88 | 2.26 | 2.19 | 2.35 | 2.30 | 2.15 | 2.92 | 2.02 | 2.17 | 1.87 |
| All other loans and leases (including farm) | 0.85 | 1.05 | 0.98 | 0.95 | 0.82 | 0.79 | 0.45 | 1.26 | 0.91 | 0.96 | 1.00 |
| Memo: Commercial RE loans not secured by RE | 1.02 | 0.46 | 0.24 | 1.02 | 1.05 | 0.27 | 1.44 | 0.79 | 2.12 | 1.37 | 1.18 |
| Percent of Loans Noncurrent* | |||||||||||
| All real estate loans | 0.96 | 0.97 | 0.83 | 0.84 | 1.03 | 1.08 | 0.79 | 1.26 | 0.66 | 0.90 | 0.74 |
| Construction and development | 1.02 | 1.03 | 0.93 | 1.05 | 1.03 | 1.10 | 0.91 | 1.05 | 0.87 | 0.96 | 1.20 |
| Commercial real estate | 0.98 | 1.14 | 0.91 | 0.89 | 1.04 | 0.85 | 0.89 | 1.32 | 0.92 | 0.92 | 0.79 |
| Multifamily residential real estate | 0.43 | 0.62 | 0.50 | 0.45 | 0.39 | 0.26 | 0.41 | 0.58 | 0.48 | 0.60 | 0.41 |
| Home equity loans | 0.39 | 0.29 | 0.34 | 0.41 | 0.40 | 0.29 | 0.35 | 0.56 | 0.26 | 0.30 | 0.28 |
| Other 1-4 Family residential | 0.96 | 0.88 | 0.76 | 0.80 | 1.06 | 0.99 | 0.79 | 1.49 | 0.48 | 0.82 | 0.56 |
| Commercial and industrial loans | 2.40 | 1.63 | 1.35 | 1.67 | 2.67 | 2.82 | 2.39 | 2.25 | 1.20 | 1.62 | 2.17 |
| Loans to individuals | 1.50 | 1.00 | 0.97 | 1.22 | 1.65 | 2.07 | 0.84 | 1.16 | 1.68 | 0.65 | 1.35 |
| Credit card loans | 2.15 | 1.67 | 3.36 | 2.05 | 2.13 | 2.53 | 1.47 | 1.55 | 2.24 | 1.05 | 1.83 |
| Other loans to individuals | 1.12 | 0.99 | 0.64 | 0.72 | 1.31 | 1.70 | 0.69 | 1.10 | 0.90 | 0.63 | 0.50 |
| All other loans and leases (including farm) | 0.96 | 1.03 | 0.98 | 0.76 | 0.97 | 0.56 | 1.70 | 0.93 | 1.15 | 1.18 | 1.16 |
| Memo: Commercial RE loans not secured by RE | 1.56 | 0.44 | 0.08 | 0.54 | 1.70 | 0.26 | 3.34 | 0.54 | 1.00 | 0.37 | 0.20 |
| Percent of Loans Charged-off (net) | |||||||||||
| All real estate loans | 0.19 | 0.08 | 0.08 | 0.13 | 0.24 | 0.12 | 0.27 | 0.25 | 0.06 | 0.07 | 0.08 |
| Construction and development | 0.13 | 0.10 | 0.13 | 0.18 | 0.12 | 0.10 | 0.13 | 0.16 | 0.10 | 0.06 | 0.16 |
| Commercial real estate | 0.13 | 0.10 | 0.08 | 0.11 | 0.18 | 0.12 | 0.14 | 0.22 | 0.08 | 0.07 | 0.06 |
| Multifamily residential real estate | 0.03 | 0.12 | 0.06 | 0.00 | 0.03 | 0.03 | 0.03 | 0.09 | -0.01 | 0.04 | -0.02 |
| Home equity loans | 0.27 | 0.04 | 0.09 | 0.18 | 0.32 | 0.06 | 0.29 | 0.44 | 0.16 | 0.22 | 0.12 |
| Other 1-4 Family residential | 0.22 | 0.07 | 0.08 | 0.13 | 0.29 | 0.10 | 0.39 | 0.27 | 0.05 | 0.07 | 0.05 |
| Commercial and industrial loans | 1.43 | 0.74 | 0.80 | 1.53 | 1.51 | 1.54 | 1.40 | 1.38 | 0.76 | 0.97 | 1.69 |
| Loans to individuals | 2.72 | 0.92 | 1.63 | 3.39 | 2.78 | 3.25 | 1.74 | 1.86 | 3.30 | 1.01 | 3.92 |
| Credit card loans | 5.12 | 2.93 | 6.92 | 6.72 | 4.70 | 5.25 | 3.62 | 4.99 | 6.20 | 2.69 | 5.33 |
| Other loans to individuals | 1.28 | 0.87 | 0.90 | 1.23 | 1.40 | 1.49 | 1.18 | 1.36 | 0.62 | 0.95 | 1.30 |
| All other loans and leases (including farm) | 0.41 | 0.36 | 0.46 | 0.53 | 0.40 | 0.25 | 0.31 | 0.70 | 0.44 | 0.38 | 0.76 |
| Memo: Commercial RE loans not secured by RE | 0.17 | 0.90 | 0.54 | 0.50 | 0.12 | 0.21 | 0.13 | 0.25 | 0.09 | 0.21 | 0.10 |
| Loans Outstanding (in billions) | |||||||||||
| All real estate loans | $1,803.6 | $79.5 | $352.3 | $320.2 | $1,051.6 | $373.6 | $538.2 | $440.9 | $118.0 | $90.9 | $242.0 |
| Construction and development | 193.3 | 7.5 | 43.6 | 41.9 | 100.3 | 20.4 | 68.5 | 48.4 | 10.6 | 14.1 | 31.3 |
| Commercial real estate | 507.5 | 23.1 | 134.8 | 113.2 | 236.4 | 83.4 | 154.4 | 121.6 | 31.2 | 33.8 | 83.1 |
| Multifamily residential real estate | 64.1 | 1.8 | 11.8 | 14.0 | 36.5 | 15.6 | 15.9 | 16.7 | 3.2 | 2.7 | 10.1 |
| Home equity loans | 154.3 | 2.2 | 15.4 | 19.6 | 117.1 | 31.1 | 49.3 | 48.9 | 5.4 | 1.6 | 17.9 |
| Other 1-4 Family residential | 812.0 | 34.9 | 132.1 | 127.0 | 518.0 | 188.4 | 240.2 | 196.4 | 56.7 | 34.7 | 95.6 |
| Commercial and industrial loans | 982.5 | 23.3 | 94.7 | 113.8 | 750.7 | 336.3 | 245.5 | 225.4 | 41.2 | 37.3 | 96.7 |
| Loans to individuals | 631.2 | 16.9 | 58.4 | 98.5 | 457.4 | 244.8 | 126.4 | 99.0 | 53.8 | 22.6 | 84.6 |
| Credit card loans | 232.4 | 0.4 | 7.0 | 37.0 | 188.0 | 108.3 | 23.9 | 13.9 | 31.3 | 0.7 | 54.4 |
| Other loans to individuals | 398.7 | 16.5 | 51.4 | 61.4 | 269.4 | 136.5 | 102.5 | 85.0 | 22.5 | 21.9 | 30.2 |
| All other loans and leases (including farm) | 481.2 | 15.9 | 27.7 | 32.8 | 404.8 | 207.0 | 99.6 | 106.1 | 31.0 | 10.1 | 27.4 |
| Memo: Commercial RE loans not secured by RE | 48.6 | 0.3 | 1.3 | 3.6 | 43.5 | 11.7 | 19.8 | 8.1 | 1.0 | 0.7 | 7.4 |
| Memo: Other Real Estate Owned (in millions) | |||||||||||
| All other real estate owned | $3,567.7 | $310.2 | $908.2 | $537.0 | $1,812.3 | $592.0 | $1,349.1 | $686.0 | $262.7 | $296.6 | $381.2 |
| Construction and development | 309.8 | 29.8 | 154.7 | 61.7 | 63.7 | 37.8 | 111.8 | 47.4 | 35.6 | 40.7 | 36.6 |
| Commercial real estate | 1,623.7 | 138.9 | 387.4 | 230.2 | 867.3 | 263.2 | 690.4 | 231.1 | 100.6 | 140.4 | 198.2 |
| Multifamily residential real estate | 64.0 | 8.7 | 33.0 | 7.3 | 15.1 | 8.5 | 14.9 | 15.8 | 12.4 | 4.7 | 7.6 |
| 1-4 Family residential | 1,377.1 | 109.0 | 291.0 | 231.9 | 745.2 | 167.9 | 516.7 | 380.6 | 94.0 | 89.3 | 128.6 |
| Farmland | 76.4 | 23.9 | 40.8 | 4.6 | 7.2 | 1.3 | 15.4 | 11.1 | 20.0 | 21.6 | 7.0 |
| Other real estate owned in foreign offices | 116.6 | 0.0 | 1.4 | 1.3 | 113.9 | 113.3 | 0.0 | 0.0 | 0.0 | 0.0 | 3.3 |
| *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 02/28/2002 | Questions, Suggestions & Requests |
