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Quarterly Banking Profile
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| TABLE V-A. Loan Performance, All FDIC-Insured Institutions | |||||||||||
| September 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 |
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| Percent of Loans 30-89 Days Past Due | |||||||||||
| All loans secured by real estate | 2.23 | 1.79 | 1.65 | 1.47 | 2.56 | 1.50 | 2.65 | 2.41 | 1.45 | 1.83 | 2.65 |
| Construction and development | 2.88 | 2.55 | 2.75 | 2.44 | 3.16 | 2.57 | 2.95 | 3.58 | 2.42 | 2.11 | 3.17 |
| Nonfarm nonresidential | 1.21 | 1.45 | 1.33 | 1.04 | 1.23 | 1.11 | 1.45 | 1.33 | 0.99 | 1.10 | 0.99 |
| Multifamily residential real estate | 1.13 | 1.34 | 1.29 | 1.46 | 0.98 | 0.94 | 1.31 | 1.23 | 0.67 | 1.72 | 1.08 |
| Home equity loans | 1.35 | 0.99 | 0.86 | 0.81 | 1.43 | 0.66 | 1.49 | 1.51 | 1.32 | 0.85 | 1.34 |
| Other 1-4 family residential | 3.15 | 2.24 | 1.79 | 1.64 | 3.63 | 1.74 | 3.81 | 3.45 | 1.82 | 2.85 | 3.92 |
| Commercial and industrial loans | 0.95 | 1.81 | 1.42 | 1.24 | 0.83 | 1.36 | 0.82 | 0.84 | 1.35 | 0.93 | 0.75 |
| Loans to individuals | 2.57 | 2.48 | 2.10 | 2.16 | 2.64 | 3.22 | 2.57 | 2.12 | 3.14 | 1.66 | 2.13 |
| Credit card loans | 3.08 | 3.56 | 3.15 | 2.01 | 3.15 | 3.41 | 3.02 | 2.94 | 3.19 | 1.19 | 2.73 |
| Other loans to individuals | 2.26 | 2.47 | 2.02 | 2.22 | 2.28 | 2.90 | 2.44 | 1.90 | 3.10 | 1.82 | 1.78 |
| All other loans and leases (including farm) | 0.52 | 0.59 | 0.64 | 0.80 | 0.49 | 0.45 | 0.29 | 0.86 | 0.60 | 0.64 | 0.39 |
| Total loans and leases | 1.92 | 1.71 | 1.60 | 1.47 | 2.07 | 1.75 | 2.15 | 1.95 | 1.53 | 1.59 | 2.05 |
| Percent of Loans Noncurrent** | |||||||||||
| All real estate loans | 6.41 | 2.79 | 3.89 | 5.24 | 7.38 | 3.77 | 7.22 | 7.60 | 6.86 | 4.17 | 7.09 |
| Construction and development | 15.00 | 8.93 | 11.87 | 15.29 | 16.34 | 14.10 | 14.60 | 17.48 | 13.96 | 8.48 | 21.74 |
| Nonfarm nonresidential | 3.40 | 2.79 | 2.64 | 3.03 | 4.00 | 3.26 | 3.99 | 3.92 | 2.81 | 1.95 | 3.35 |
| Multifamily residential real estate | 3.58 | 2.30 | 3.26 | 3.81 | 3.60 | 2.32 | 5.21 | 3.93 | 2.07 | 3.58 | 3.64 |
| Home equity loans | 1.76 | 1.12 | 1.15 | 1.13 | 1.86 | 0.74 | 2.28 | 1.71 | 2.11 | 0.60 | 1.25 |
| Other 1-4 family residential | 8.06 | 2.05 | 2.57 | 3.80 | 9.79 | 3.21 | 8.96 | 11.19 | 12.35 | 5.11 | 8.10 |
| Commercial and industrial loans | 3.56 | 2.64 | 2.30 | 2.36 | 3.91 | 3.33 | 2.96 | 3.58 | 2.39 | 1.65 | 6.11 |
| Loans to individuals | 2.08 | 1.12 | 0.94 | 1.31 | 2.22 | 2.93 | 1.36 | 1.44 | 2.12 | 0.74 | 2.62 |
| Credit card loans | 3.29 | 2.48 | 2.76 | 1.68 | 3.41 | 3.53 | 2.76 | 3.11 | 2.96 | 1.19 | 3.69 |
| Other loans to individuals | 1.34 | 1.10 | 0.80 | 1.16 | 1.41 | 1.90 | 0.95 | 1.00 | 1.40 | 0.59 | 1.97 |
| All other loans and leases (including farm) | 1.64 | 0.74 | 0.96 | 1.19 | 1.76 | 1.26 | 0.95 | 2.40 | 0.61 | 1.13 | 3.17 |
| Total loans and leases | 4.94 | 2.42 | 3.42 | 4.32 | 5.37 | 3.40 | 5.34 | 5.71 | 4.55 | 3.26 | 5.82 |
| Percent of Loans Charged-off (net, YTD) | |||||||||||
| All real estate loans | 1.87 | 0.63 | 0.88 | 1.66 | 2.17 | 0.81 | 2.26 | 2.05 | 1.70 | 1.11 | 2.51 |
| Construction and development | 4.79 | 2.93 | 3.04 | 5.68 | 5.16 | 3.08 | 4.68 | 5.36 | 3.78 | 3.00 | 8.65 |
| Nonfarm nonresidential | 0.62 | 0.45 | 0.39 | 0.63 | 0.74 | 0.51 | 0.51 | 0.98 | 0.51 | 0.39 | 0.75 |
| Multifamily residential real estate | 0.92 | 0.49 | 0.53 | 1.07 | 0.96 | 0.48 | 1.28 | 1.10 | 0.42 | 1.18 | 0.98 |
| Home equity loans | 2.82 | 0.82 | 0.71 | 1.02 | 3.12 | 0.87 | 3.80 | 2.02 | 3.64 | 1.31 | 3.49 |
| Other 1-4 family residential | 1.64 | 0.35 | 0.55 | 0.83 | 1.97 | 0.65 | 1.85 | 2.04 | 1.10 | 0.60 | 2.43 |
| Commercial and industrial loans | 2.28 | 1.43 | 1.48 | 2.07 | 2.40 | 3.34 | 1.57 | 1.95 | 2.52 | 1.22 | 3.37 |
| Loans to individuals | 5.41 | 1.27 | 1.75 | 3.14 | 5.81 | 8.57 | 3.53 | 3.37 | 6.68 | 1.83 | 5.27 |
| Credit card loans | 9.17 | 11.19 | 9.39 | 6.64 | 9.31 | 10.03 | 8.75 | 8.68 | 10.45 | 4.40 | 7.74 |
| Other loans to individuals | 3.01 | 0.92 | 1.18 | 1.82 | 3.31 | 5.96 | 2.01 | 1.82 | 3.52 | 1.13 | 3.68 |
| All other loans and leases (including farm) | 1.18 | 0.00 | 0.70 | 1.03 | 1.25 | 0.73 | 0.94 | 1.69 | 0.51 | 1.00 | 1.80 |
| Total loans and leases | 2.38 | 0.76 | 1.00 | 1.82 | 2.74 | 2.73 | 2.17 | 2.15 | 2.40 | 1.18 | 3.09 |
| Loans Outstanding (in billions) | |||||||||||
| All real estate loans | $4,526.7 | $69.3 | $725.5 | $730.2 | $3,001.6 | $806.5 | $1,303.2 | $957.7 | $393.3 | $335.7 | $730.2 |
| Construction and development | 492.2 | 6.7 | 108.0 | 123.2 | 254.3 | 60.9 | 173.8 | 88.6 | 43.6 | 67.6 | 57.9 |
| Nonfarm nonresidential | 1,089.9 | 20.7 | 268.9 | 272.4 | 527.9 | 207.0 | 291.9 | 205.4 | 110.2 | 121.4 | 154.1 |
| Multifamily residential real estate | 216.5 | 1.9 | 32.0 | 45.9 | 136.7 | 56.3 | 40.1 | 62.0 | 12.2 | 8.9 | 37.0 |
| Home equity loans | 667.5 | 2.4 | 39.6 | 50.7 | 574.8 | 74.0 | 227.7 | 198.9 | 79.1 | 24.1 | 63.6 |
| Other 1-4 family residential | 1,928.5 | 28.8 | 244.4 | 225.2 | 1,430.1 | 403.2 | 550.6 | 385.3 | 126.5 | 101.8 | 361.1 |
| Commercial and industrial loans | 1,275.6 | 13.3 | 118.6 | 149.6 | 994.2 | 170.6 | 357.6 | 295.4 | 128.7 | 94.0 | 229.3 |
| Loans to individuals | 1,040.2 | 7.3 | 44.5 | 86.5 | 901.9 | 257.1 | 241.7 | 179.6 | 92.0 | 41.8 | 228.0 |
| Credit card loans | 393.0 | 0.1 | 3.1 | 24.8 | 364.9 | 162.6 | 54.5 | 37.7 | 42.3 | 10.5 | 85.3 |
| Other loans to individuals | 647.2 | 7.2 | 41.4 | 61.7 | 536.9 | 94.4 | 187.2 | 141.8 | 49.7 | 31.3 | 142.7 |
| All other loans and leases (including farm) | 575.0 | 11.2 | 39.6 | 39.1 | 485.1 | 79.6 | 144.2 | 127.0 | 102.7 | 22.1 | 99.5 |
| Total loans and leases (plus unearned income) | 7,417.6 | 101.1 | 928.1 | 1,005.5 | 5,382.8 | 1,313.7 | 2,046.8 | 1,559.8 | 716.7 | 493.7 | 1,287.0 |
| Memo: Other Real Estate Owned (in millions) | |||||||||||
| All other real estate owned | 37,164.6 | 949.4 | 10,394.3 | 8,746.1 | 17,074.8 | 2,485.0 | 11,594.5 | 9,161.3 | 4,503.8 | 3,927.0 | 5,493.0 |
| Construction and development | 14,866.2 | 328.1 | 5,305.7 | 4,689.3 | 4,543.0 | 662.6 | 5,036.3 | 2,650.3 | 1,739.6 | 1,889.4 | 2,888.0 |
| Nonfarm nonresidential | 5,838.2 | 259.4 | 2,137.2 | 1,612.0 | 1,829.7 | 571.3 | 1,658.0 | 1,238.1 | 806.5 | 856.5 | 707.8 |
| Multifamily residential real estate | 1,441.8 | 26.2 | 335.7 | 448.9 | 631.0 | 144.9 | 495.4 | 328.6 | 108.9 | 142.7 | 221.3 |
| 1-4 family residential | 12,428.8 | 315.0 | 2,481.6 | 1,837.9 | 7,794.3 | 1,061.2 | 4,202.6 | 3,770.8 | 971.3 | 936.4 | 1,486.7 |
| Farmland | 225.7 | 20.3 | 127.6 | 61.1 | 16.7 | 10.1 | 35.8 | 37.0 | 35.0 | 87.9 | 19.9 |
| GNMA properties | 2,323.5 | 0.5 | 8.5 | 97.5 | 2,217.1 | 23.4 | 166.6 | 1,224.2 | 842.7 | 14.2 | 52.5 |
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* 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. |
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| Last Updated 11/24/2009 | Questions, Suggestions & Requests |
