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Quarterly Banking Profile |
| TABLE V-A. Loan Performance, All FDIC-Insured Institutions | ||||||||||
| September 30, 2008 | All Insured Institutions |
Asset Concentration Groups | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Credit Card Institutions |
International Banks |
Agricultural Banks |
Commercial Lenders |
Mortgage Lenders |
Consumer Lenders |
Other Specialized <$1 Billion |
All Other <$1 Billion |
All Other >$1 Billion |
||
| Percent of Loans 30-89 Days Past Due | ||||||||||
| All loans secured by real estate | 1.78 | 3.23 | 2.55 | 1.28 | 1.53 | 2.02 | 1.13 | 1.04 | 1.68 | 1.96 |
| Construction and development | 2.34 | 0.00 | 1.72 | 2.72 | 2.39 | 4.46 | 1.34 | 1.05 | 1.75 | 0.91 |
| Nonfarm nonresidential | 0.78 | 0.00 | 0.57 | 1.23 | 0.78 | 0.79 | 1.25 | 0.71 | 1.38 | 0.67 |
| Multifamily residential real estate | 0.76 | 0.00 | 0.28 | 1.70 | 0.91 | 0.88 | 10.49 | 0.27 | 1.24 | 0.40 |
| Home equity loans | 1.17 | 3.48 | 1.36 | 0.86 | 0.90 | 1.57 | 0.90 | 0.33 | 0.64 | 1.45 |
| Other 1-4 family residential | 2.45 | 1.38 | 3.71 | 1.75 | 2.12 | 2.07 | 1.25 | 1.34 | 1.99 | 2.76 |
| Commercial and industrial loans | 0.69 | 3.63 | 0.32 | 1.60 | 0.72 | 0.76 | 1.50 | 1.11 | 1.61 | 0.50 |
| Loans to individuals | 2.22 | 2.66 | 2.06 | 2.03 | 2.24 | 1.34 | 1.87 | 1.63 | 2.29 | 1.72 |
| Credit card loans | 2.50 | 2.52 | 2.55 | 1.49 | 2.37 | 2.70 | 1.38 | 2.01 | 2.58 | 2.73 |
| Other loans to individuals | 2.04 | 3.60 | 1.82 | 2.06 | 2.23 | 1.00 | 2.04 | 1.60 | 2.28 | 1.50 |
| All other loans and leases (including farm) | 0.40 | 0.11 | 0.23 | 0.50 | 0.63 | 0.48 | 0.13 | 1.10 | 0.76 | 0.25 |
| Total loans and leases | 1.52 | 2.60 | 1.63 | 1.19 | 1.36 | 1.95 | 1.56 | 1.16 | 1.68 | 1.40 |
| Percent of Loans Noncurrent** | ||||||||||
| All real estate loans | 3.12 | 2.22 | 3.54 | 1.69 | 3.19 | 3.04 | 0.90 | 0.97 | 1.35 | 2.74 |
| Construction and development | 7.30 | 0.00 | 3.81 | 6.91 | 7.34 | 11.25 | 4.15 | 2.16 | 3.12 | 6.43 |
| Nonfarm nonresidential | 1.36 | 0.00 | 0.56 | 1.68 | 1.39 | 1.42 | 1.30 | 0.95 | 1.53 | 1.30 |
| Multifamily residential real estate | 1.47 | 0.00 | 0.56 | 1.19 | 1.80 | 1.15 | 3.36 | 2.40 | 2.13 | 1.04 |
| Home equity loans | 1.19 | 2.42 | 1.37 | 0.40 | 0.96 | 1.16 | 0.53 | 0.58 | 0.48 | 1.63 |
| Other 1-4 family residential | 3.64 | 0.62 | 5.36 | 1.19 | 3.58 | 3.09 | 1.04 | 0.82 | 1.17 | 3.22 |
| Commercial and industrial loans | 1.01 | 3.10 | 0.55 | 1.75 | 1.09 | 0.83 | 0.71 | 1.54 | 1.58 | 0.95 |
| Loans to individuals | 1.50 | 2.44 | 1.85 | 0.76 | 0.93 | 0.70 | 1.00 | 0.49 | 0.75 | 0.67 |
| Credit card loans | 2.35 | 2.36 | 2.55 | 1.47 | 2.07 | 2.44 | 1.26 | 1.05 | 1.26 | 2.50 |
| Other loans to individuals | 0.98 | 2.98 | 1.51 | 0.71 | 0.76 | 0.27 | 0.92 | 0.43 | 0.73 | 0.28 |
| All other loans and leases (including farm) | 0.71 | 0.03 | 1.35 | 0.64 | 0.48 | 0.40 | 0.10 | 0.29 | 0.73 | 0.21 |
| Total loans and leases | 2.31 | 2.35 | 2.27 | 1.40 | 2.40 | 2.88 | 0.93 | 0.91 | 1.25 | 1.78 |
| Percent of Loans Charged-off (net, YTD) | ||||||||||
| All real estate loans | 0.91 | 3.15 | 1.49 | 0.22 | 0.87 | 0.71 | 0.61 | 0.17 | 0.13 | 0.96 |
| Construction and development | 2.04 | 0.00 | 0.95 | 1.29 | 2.04 | 4.15 | 0.15 | 0.38 | 0.36 | 1.63 |
| Nonfarm nonresidential | 0.16 | 0.00 | 0.03 | 0.18 | 0.17 | 0.13 | 0.14 | 0.12 | 0.10 | 0.14 |
| Multifamily residential real estate | 0.26 | 0.00 | 0.02 | 0.51 | 0.31 | 0.28 | 0.11 | 0.04 | 0.12 | 0.10 |
| Home equity loans | 1.55 | 3.38 | 1.62 | 0.22 | 1.30 | 1.77 | 0.89 | 0.08 | 0.24 | 2.09 |
| Other 1-4 family residential | 0.86 | 1.34 | 1.93 | 0.12 | 0.79 | 0.52 | 0.40 | 0.19 | 0.13 | 0.74 |
| Commercial and industrial loans | 0.86 | 7.91 | 0.39 | 0.58 | 0.84 | 0.32 | 4.24 | 0.05 | 0.42 | 0.48 |
| Loans to individuals | 3.29 | 5.79 | 3.03 | 0.75 | 2.31 | 1.87 | 2.33 | 1.19 | 0.86 | 1.76 |
| Credit card loans | 5.24 | 5.56 | 4.06 | 4.53 | 5.42 | 6.35 | 3.47 | 6.13 | 3.81 | 5.69 |
| Other loans to individuals | 2.11 | 7.29 | 2.56 | 0.50 | 1.83 | 0.74 | 1.95 | 0.31 | 0.75 | 0.91 |
| All other loans and leases (including farm) | 0.34 | 0.01 | 0.12 | 0.00 | 0.55 | 0.78 | 0.22 | 1.11 | 0.50 | 0.37 |
| Total loans and leases | 1.18 | 5.64 | 1.28 | 0.28 | 0.97 | 0.74 | 1.81 | 0.43 | 0.29 | 0.88 |
| Loans Outstanding (in billions) | ||||||||||
| All real estate loans | $4,751.0 | $1.8 | $638.0 | $64.6 | $2,753.1 | $686.1 | $21.0 | $5.0 | $37.3 | $544.0 |
| Construction and development | 617.1 | 0.0 | 14.2 | 6.1 | 537.3 | 18.8 | 0.5 | 0.4 | 2.7 | 37.1 |
| Nonfarm nonresidential | 1,043.4 | 0.0 | 33.8 | 18.0 | 873.0 | 30.9 | 1.1 | 1.5 | 8.8 | 76.3 |
| Multifamily residential real estate | 205.2 | 0.0 | 40.6 | 1.2 | 137.1 | 13.2 | 0.1 | 0.1 | 0.7 | 12.1 |
| Home equity loans | 652.1 | 1.6 | 143.2 | 1.2 | 316.7 | 56.4 | 10.1 | 0.1 | 1.4 | 121.3 |
| Other 1-4 family residential | 2,102.1 | 0.2 | 353.6 | 17.0 | 841.3 | 565.9 | 9.1 | 2.7 | 21.0 | 291.4 |
| Commercial and industrial loans | 1,503.7 | 35.3 | 300.5 | 15.8 | 895.9 | 16.5 | 3.3 | 1.2 | 5.5 | 229.7 |
| Loans to individuals | 1,082.7 | 284.8 | 242.4 | 6.8 | 353.6 | 29.1 | 35.2 | 1.5 | 6.9 | 122.6 |
| Credit card loans | 411.6 | 247.3 | 80.7 | 0.4 | 46.9 | 5.8 | 8.8 | 0.1 | 0.2 | 21.4 |
| Other loans to individuals | 671.1 | 37.5 | 161.7 | 6.3 | 306.7 | 23.3 | 26.4 | 1.4 | 6.6 | 101.2 |
| All other loans and leases (including farm) | 655.3 | 22.5 | 216.1 | 26.9 | 254.5 | 5.5 | 1.4 | 0.7 | 4.1 | 123.6 |
| Total loans and leases | 7,992.8 | 344.4 | 1,397.1 | 114.1 | 4,257.1 | 737.2 | 60.9 | 8.4 | 53.7 | 1,019.9 |
| Memo: Other Real Estate Owned (in millions) | ||||||||||
| All other real estate owned | 22,966.4 | -20.3 | 3,610.9 | 337.0 | 14,494.8 | 3,167.0 | 24.1 | 20.5 | 202.3 | 1,130.1 |
| Construction and development | 6,630.9 | 0.0 | 5.0 | 132.6 | 5,937.5 | 412.0 | 3.4 | 3.7 | 41.4 | 95.2 |
| Nonfarm nonresidential | 2,406.9 | 0.2 | 40.0 | 93.6 | 2,007.1 | 49.1 | 5.3 | 6.4 | 55.8 | 149.5 |
| Multifamily residential real estate | 734.6 | 0.0 | 19.0 | 15.2 | 590.5 | 40.3 | 0.0 | 0.3 | 23.5 | 45.9 |
| 1-4 family residential | 11,500.8 | 2.8 | 2,934.9 | 70.7 | 4,927.5 | 2,630.8 | 14.9 | 9.8 | 76.4 | 833.0 |
| Farmland | 77.1 | 0.0 | 0.0 | 24.4 | 46.4 | 0.4 | 0.6 | 0.7 | 4.5 | 0.0 |
| GNMA properties | 1,474.4 | 0.0 | 430.0 | 0.4 | 979.1 | 57.6 | 0.0 | 0.0 | 0.8 | 6.5 |
|
* See Table IV-A (page 8) for explanations. ** 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. |
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| Last Updated 11/25/2008 | Questions, Suggestions & Requests |
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