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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
March 31, 2002						North- east	South- east	Central	Mid- west	South- west	West
Percent of Loans 30-89 Days Past Due
All loans secured by real estate	1.16	1.50	1.09	1.00	1.21	1.11	0.98	1.56	1.12	1.16	0.97
Construction and development	1.23	1.59	1.15	1.26	1.23	0.92	0.88	1.56	1.07	1.50	1.65
Commercial real estate	0.85	1.20	0.85	0.89	0.80	0.81	0.69	1.19	0.97	0.88	0.66
Multifamily residential real estate	0.64	0.61	0.53	0.49	0.73	0.35	0.48	1.18	0.20	0.61	0.57
Home equity loans	0.62	0.71	0.56	0.64	0.63	0.46	0.61	0.79	0.58	0.42	0.51
Other 1-4 Family residential	1.44	1.73	1.40	1.09	1.52	1.24	1.31	2.07	1.19	1.33	1.13
Commercial and industrial loans	1.09	1.98	1.51	1.46	0.95	1.07	0.72	1.29	1.68	1.42	1.27
Loans to individuals	2.06	2.43	2.07	2.07	2.05	2.26	1.78	1.86	2.32	1.77	1.94
Credit card loans	2.50	2.27	4.67	2.45	2.44	2.65	2.80	2.06	2.57	1.40	2.07
Other loans to individuals	1.79	2.43	1.76	1.85	1.75	1.90	1.63	1.83	1.89	1.78	1.74
All other loans and leases (including farm)	0.87	1.87	1.48	0.86	0.79	0.73	0.55	1.12	1.65	1.66	0.82
Total loans and leases	1.26	1.73	1.29	1.26	1.23	1.30	0.97	1.47	1.57	1.33	1.20
Memo: Commercial RE loans not secured by RE	1.15	0.50	0.79	1.26	1.16	0.30	1.01	1.52	3.17	1.61	1.96
Percent of Loans Noncurrent*
All real estate loans	1.00	1.02	0.87	0.86	1.08	1.11	0.81	1.34	0.77	0.93	0.77
Construction and development	1.06	1.01	1.01	1.04	1.10	1.15	0.88	1.25	0.82	0.87	1.29
Commercial real estate	1.01	1.13	0.95	0.94	1.07	1.00	0.89	1.33	0.93	1.01	0.84
Multifamily residential real estate	0.43	0.75	0.52	0.39	0.40	0.28	0.40	0.56	0.49	0.86	0.35
Home equity loans	0.36	0.34	0.33	0.38	0.36	0.28	0.32	0.50	0.29	0.34	0.25
Other 1-4 Family residential	1.05	0.89	0.76	0.83	1.18	1.09	0.85	1.66	0.66	0.83	0.59
Commercial and industrial loans	2.61	1.74	1.46	1.78	2.92	3.22	2.51	2.36	1.29	1.71	2.32
Loans to individuals	1.49	0.95	0.88	1.27	1.62	2.11	0.81	0.75	1.67	0.70	1.45
Credit card loans	2.28	1.70	3.31	2.34	2.24	2.50	2.08	1.65	2.15	1.04	2.06
Other loans to individuals	1.01	0.93	0.59	0.66	1.16	1.75	0.62	0.62	0.84	0.69	0.45
All other loans and leases (including farm)	0.90	1.26	1.24	0.76	0.88	0.85	0.81	0.88	1.35	1.37	1.00
Total loans and leases	1.47	1.16	0.99	1.11	1.65	1.90	1.21	1.48	1.14	1.10	1.23
Memo: Commercial RE loans not secured by RE	0.73	0.58	0.16	0.60	0.77	0.09	1.15	1.36	1.02	0.29	0.33
Percent of Loans Charged-off (net, annualized)
All real estate loans	0.15	0.06	0.09	0.14	0.18	0.12	0.12	0.29	0.08	0.07	0.09
Construction and development	0.14	0.09	0.10	0.25	0.11	0.22	0.08	0.12	0.09	0.03	0.29
Commercial real estate	0.16	0.10	0.11	0.15	0.20	0.09	0.11	0.35	0.12	0.08	0.09
Multifamily residential real estate	0.04	0.05	0.05	0.06	0.03	0.01	0.01	0.12	0.02	-0.01	0.03
Home equity loans	0.21	0.02	0.04	0.16	0.24	0.06	0.19	0.38	0.14	0.14	0.06
Other 1-4 Family residential	0.14	0.05	0.07	0.10	0.17	0.08	0.12	0.30	0.06	0.08	0.03
Commercial and industrial loans	1.45	0.48	0.51	1.22	1.63	1.48	1.43	1.47	0.66	0.76	1.96
Loans to individuals	3.98	0.73	1.67	3.29	4.52	5.93	1.57	2.01	4.71	0.99	4.09
Credit card loans	8.19	3.55	8.40	6.87	8.42	10.68	3.52	5.34	7.12	3.32	5.60
Other loans to individuals	1.47	0.66	0.83	1.22	1.69	1.86	1.27	1.48	0.45	0.92	1.52
All other loans and leases (including farm)	0.45	0.20	0.27	0.40	0.47	0.45	0.22	0.66	0.17	0.37	0.72
Total loans and leases	1.14	0.23	0.34	0.91	1.39	1.84	0.62	0.84	1.33	0.38	1.26
Memo: Commercial RE loans not secured by RE	0.12	1.13	0.07	0.21	0.11	0.13	0.20	0.02	0.05	0.30	0.03
Loans Outstanding (in billions)
All real estate loans	$1,810.6	$80.1	$356.0	$314.8	$1,059.6	$371.1	$546.9	$433.6	$118.6	$91.6	$248.8
Construction and development	194.4	7.3	44.6	40.9	101.6	20.7	69.5	47.8	10.5	14.3	31.6
Commercial real estate	518.7	24.0	140.2	112.6	242.0	85.6	158.1	122.0	32.5	35.0	85.5
Multifamily residential real estate	65.9	1.8	12.6	13.9	37.6	15.5	16.5	17.3	3.4	2.8	10.4
Home equity loans	166.5	2.3	16.1	19.2	128.9	33.7	53.0	52.8	5.6	1.6	19.8
Other 1-4 Family residential	794.0	34.5	127.6	123.8	508.0	182.9	239.6	184.8	55.5	33.9	97.4
Commercial and industrial loans	966.8	23.2	94.3	114.5	734.9	327.8	240.1	223.3	42.7	37.2	95.7
Loans to individuals	649.2	16.4	56.4	92.9	483.5	265.6	122.7	95.3	61.1	22.1	82.4
Credit card loans	247.9	0.4	6.1	33.4	208.0	128.6	16.1	12.5	38.6	0.6	51.3
Other loans to individuals	401.4	16.0	50.4	59.6	275.4	137.0	106.6	82.8	22.5	21.5	31.1
All other loans and leases (including farm)	470.5	15.2	27.0	37.7	390.5	189.7	97.5	113.5	28.8	9.6	31.3
Total loans and leases	3,897.2	134.9	533.7	560.0	2,668.5	1,154.2	1,007.2	865.8	251.3	160.5	458.2
Memo: Commercial RE loans not secured by RE	41.5	0.3	1.5	3.5	36.3	11.8	11.7	8.9	0.9	0.6	7.5
Memo: Other Real Estate Owned (in millions)
All other real estate owned	$3,809.0	$325.9	$974.6	$633.4	$1,875.1	$570.7	$1,383.9	$798.7	$279.3	$324.2	$452.1
Construction and development	360.7	35.2	172.2	67.2	86.1	51.9	127.6	55.5	34.1	47.6	44.0
Commercial real estate	1,821.0	146.9	413.2	337.4	923.5	263.3	749.8	255.6	114.5	160.4	277.3
Multifamily residential real estate	64.6	8.0	37.0	10.2	9.5	9.4	13.4	15.4	13.7	5.0	7.8
1-4 Family residential	1,380.1	111.2	308.5	213.0	747.5	141.8	479.5	461.0	97.7	90.4	109.7
Farmland	76.7	24.6	42.3	4.2	5.5	2.0	13.6	11.2	19.2	20.8	9.8
Other real estate owned in foreign offices	105.9	0.0	1.4	1.5	103.0	102.3	0.0	0.0	0.0	0.0	3.6
*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/M - Not meaningful

Last Updated 06/12/2002

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