Each depositor insured to at least $250,000 per insured bank

Quarterly Banking Profile
TABLE V-A. Loan Performance, All FDIC-Insured Institutions
June 30, 2009 All
Insured
Institutions 		Asset Size Distribution Geographic Regions*
Less
Than $100
Million 		$100 Million
To
$1 Billion 		$1 Billion
To
$10 Billion 		Greater
Than $10
Billion 		New York Atlanta Chicago Kansas
City 		Dallas San
Francisco
Percent of Loans 30-89 Days Past Due
All loans secured by real estate 2.16 1.75 1.67 1.50 2.44 1.43 2.45 2.41 1.43 1.73 2.68
Construction and development 2.86 2.28 2.61 2.59 3.12 2.40 2.68 3.57 2.61 2.21 3.66
Nonfarm nonresidential 1.17 1.51 1.39 1.11 1.08 1.17 1.20 1.41 1.02 0.92 1.13
Multifamily residential real estate 1.22 1.10 1.53 1.47 1.06 0.95 1.32 1.21 0.82 1.41 1.58
Home equity loans 1.24 0.95 0.89 0.75 1.31 0.60 1.30 1.39 1.22 0.80 1.46
Other 1-4 family residential 2.98 2.17 1.76 1.55 3.41 1.58 3.58 3.41 1.67 2.66 3.66
Commercial and industrial loans 0.91 1.91 1.44 1.01 0.83 1.29 0.78 0.97 1.26 0.82 0.64
Loans to individuals 2.43 2.48 2.00 2.07 2.48 2.94 2.49 2.00 2.91 1.66 2.03
Credit card loans 2.84 3.03 2.78 1.90 2.89 3.07 2.60 2.62 2.96 1.26 2.71
Other loans to individuals 2.17 2.47 1.94 2.14 2.19 2.72 2.46 1.83 2.87 1.76 1.63
All other loans and leases (including farm) 0.55 0.71 0.65 0.95 0.51 0.44 0.37 0.71 0.66 0.61 0.63
Total loans and leases 1.85 1.71 1.61 1.46 1.97 1.66 2.00 1.94 1.50 1.50 2.03
Percent of Loans Noncurrent**
All real estate loans 5.64 2.69 3.64 5.10 6.32 3.41 6.25 6.80 5.89 3.82 6.13
Construction and development 13.45 8.00 10.79 15.24 13.84 12.15 12.99 16.61 12.55 7.40 18.88
Nonfarm nonresidential 2.88 2.69 2.38 2.53 3.33 2.91 3.21 3.55 2.49 1.64 2.58
Multifamily residential real estate 3.13 2.54 2.89 4.08 2.88 1.93 4.43 4.01 1.91 3.15 2.46
Home equity loans 1.73 1.11 1.08 1.03 1.84 0.74 2.27 1.62 2.01 0.59 1.32
Other 1-4 family residential 6.79 1.95 2.42 3.38 8.13 2.95 7.44 9.35 9.80 4.80 6.76
Commercial and industrial loans 2.79 2.51 2.10 2.31 2.95 2.70 2.15 2.56 2.06 1.64 4.98
Loans to individuals 2.20 1.11 0.89 1.17 2.36 3.23 1.38 1.44 2.13 0.71 2.67
Credit card loans 3.56 3.06 2.42 1.72 3.67 3.93 2.72 3.24 3.02 1.34 3.97
Other loans to individuals 1.35 1.08 0.77 0.98 1.44 1.98 0.96 0.95 1.40 0.55 1.92
All other loans and leases (including farm) 1.52 0.87 0.88 0.72 1.65 1.09 0.91 2.12 0.62 0.96 2.90
Total loans and leases 4.35 2.36 3.20 4.21 4.61 3.14 4.58 5.00 4.07 3.03 5.08
Percent of Loans Charged-off (net, YTD)
All real estate loans 1.73 0.59 0.82 1.62 2.00 0.69 2.03 1.98 1.61 1.06 2.35
Construction and development 4.42 2.67 2.82 5.44 4.65 2.85 3.98 5.26 3.47 2.93 8.18
Nonfarm nonresidential 0.50 0.38 0.33 0.56 0.57 0.43 0.42 0.83 0.46 0.29 0.51
Multifamily residential real estate 0.81 0.43 0.51 1.09 0.79 0.62 0.94 0.99 0.39 0.92 0.76
Home equity loans 2.70 0.75 0.63 0.98 2.99 0.82 3.57 1.98 3.46 1.26 3.45
Other 1-4 family residential 1.50 0.34 0.49 0.77 1.80 0.48 1.69 1.95 1.06 0.54 2.26
Commercial and industrial loans 2.13 1.46 1.38 1.96 2.24 3.12 1.33 1.79 2.41 1.09 3.34
Loans to individuals 5.26 1.37 1.77 3.32 5.63 8.12 3.55 3.26 6.57 1.78 5.11
Credit card loans 8.77 12.71 9.89 6.73 8.87 9.45 8.32 7.83 10.33 4.55 7.70
Other loans to individuals 2.99 0.89 1.14 2.07 3.26 5.73 2.12 1.89 3.43 1.09 3.49
All other loans and leases (including farm) 1.06 0.00 0.62 1.00 1.11 0.61 0.75 1.02 0.57 1.05 2.34
Total loans and leases 2.24 0.75 0.93 1.78 2.56 2.55 1.97 2.00 2.34 1.13 3.01
Loans Outstanding (in billions)
All real estate loans $4,651.4 $71.7 $734.8 $755.1 $3,089.8 $812.1 $1,343.7 $984.7 $403.0 $347.9 $760.1
Construction and development 535.8 7.5 117.3 138.4 272.6 63.8 186.6 97.8 46.4 75.5 65.8
Nonfarm nonresidential 1,086.5 21.8 267.1 271.9 525.7 204.1 289.3 206.8 109.1 121.1 156.2
Multifamily residential real estate 213.5 2.0 31.4 45.5 134.6 54.1 38.2 62.3 11.8 9.9 37.2
Home equity loans 672.9 2.4 39.6 51.1 579.8 71.8 231.7 200.7 80.3 24.9 63.5
Other 1-4 family residential 2,012.1 29.2 247.7 233.2 1,502.0 413.3 578.3 399.9 133.9 105.0 381.7
Commercial and industrial loans 1,364.9 14.0 122.2 151.3 1,077.4 177.9 382.7 314.0 135.3 101.3 253.7
Loans to individuals 1,037.1 7.4 44.5 83.0 902.2 269.2 232.6 177.1 92.3 38.8 227.1
Credit card loans 398.2 0.1 3.2 21.5 373.5 172.3 55.9 38.0 41.4 7.9 82.8
Other loans to individuals 638.9 7.3 41.3 61.5 528.7 96.9 176.8 139.1 50.9 30.9 144.3
All other loans and leases (including farm) 574.7 11.0 38.4 37.4 487.8 78.8 158.5 132.5 81.5 22.2 101.1
Total loans and leases (plus unearned income) 7,628.1 104.2 939.9 1,026.8 5,557.2 1,338.0 2,117.6 1,608.4 712.1 510.1 1,341.9
Memo: Other Real Estate Owned (in millions)
All other real estate owned 33,963.3 874.1 9,466.1 8,094.8 15,528.3 2,209.1 10,665.0 8,510.8 4,194.4 3,438.4 4,945.5
Construction and development 13,467.7 304.9 4,846.7 4,211.9 4,104.3 660.2 4,575.9 2,435.4 1,507.9 1,680.8 2,607.5
Nonfarm nonresidential 4,837.1 227.9 1,827.6 1,378.8 1,402.8 462.7 1,380.1 1,030.4 678.8 693.0 592.2
Multifamily residential real estate 1,579.6 20.9 318.0 744.1 496.6 90.0 414.3 711.2 91.5 100.4 172.1
1-4 family residential 11,486.8 299.3 2,358.8 1,598.5 7,230.3 947.2 4,081.6 3,232.7 945.8 887.6 1,391.9
Farmland 173.8 20.5 107.1 30.3 15.8 16.5 28.3 26.2 35.2 60.9 6.8
GNMA properties 2,303.5 0.7 8.8 132.0 2,161.9 21.3 185.2 1,071.1 935.4 15.8 74.7

* See Table IV-A (page 9) 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.

Last Updated 8/27/2009 Questions, Suggestions & Requests