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Quarterly Banking Profile
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| TABLE V-A. Loan Performance, All FDIC-Insured Institutions | |||||||||||
| March 31, 2010 |
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 | 1.96 | 1.77 | 1.63 | 2.49 | 1.82 | 2.52 | 2.12 | 2.54 | 1.92 | 2.25 |
| Construction and development | 2.81 | 2.65 | 2.64 | 2.72 | 2.92 | 3.52 | 2.18 | 2.70 | 3.66 | 2.67 | 3.07 |
| Nonfarm nonresidential | 1.44 | 1.73 | 1.57 | 1.29 | 1.43 | 1.58 | 1.52 | 1.43 | 1.58 | 1.26 | 1.08 |
| Multifamily residential real estate | 1.28 | 1.90 | 1.36 | 1.45 | 1.20 | 1.29 | 1.33 | 1.22 | 1.80 | 1.17 | 1.08 |
| Home equity loans | 1.24 | 1.20 | 0.85 | 0.80 | 1.30 | 0.71 | 1.51 | 1.24 | 1.21 | 0.92 | 1.27 |
| Other 1-4 family residential | 3.07 | 2.27 | 1.94 | 1.81 | 3.49 | 2.00 | 3.73 | 3.06 | 3.59 | 2.53 | 3.31 |
| Commercial and industrial loans | 0.94 | 1.89 | 1.49 | 1.12 | 0.83 | 1.56 | 0.84 | 0.76 | 1.07 | 1.01 | 0.59 |
| Loans to individuals | 2.29 | 2.29 | 1.77 | 2.04 | 2.32 | 2.58 | 2.21 | 1.68 | 2.70 | 1.43 | 2.10 |
| Credit card loans | 2.61 | 2.42 | 2.31 | 2.29 | 2.62 | 2.65 | 2.50 | 2.32 | 3.02 | 0.99 | 2.30 |
| Other loans to individuals | 1.95 | 2.29 | 1.73 | 1.94 | 1.96 | 2.33 | 2.05 | 1.50 | 2.21 | 1.65 | 1.97 |
| All other loans and leases (including farm) | 0.64 | 1.19 | 0.92 | 0.75 | 0.59 | 0.55 | 0.43 | 0.71 | 1.17 | 0.77 | 0.23 |
| Total loans and leases | 1.92 | 1.89 | 1.70 | 1.56 | 2.02 | 1.94 | 2.08 | 1.70 | 2.22 | 1.67 | 1.74 |
| Percent of Loans Noncurrent** | |||||||||||
| All real estate loans | 7.55 | 3.07 | 4.15 | 5.51 | 8.97 | 5.00 | 9.17 | 8.42 | 9.30 | 4.98 | 6.59 |
| Construction and development | 16.82 | 10.21 | 13.05 | 16.72 | 18.59 | 18.80 | 16.33 | 17.11 | 16.87 | 10.81 | 23.68 |
| Nonfarm nonresidential | 4.17 | 3.15 | 3.17 | 3.57 | 5.04 | 3.87 | 4.57 | 4.39 | 4.84 | 2.69 | 4.21 |
| Multifamily residential real estate | 4.62 | 2.91 | 3.37 | 4.16 | 5.08 | 3.32 | 7.14 | 4.48 | 5.03 | 3.98 | 4.49 |
| Home equity loans | 1.72 | 1.38 | 1.18 | 1.38 | 1.79 | 0.88 | 2.10 | 1.75 | 2.27 | 1.02 | 0.88 |
| Other 1-4 family residential | 10.17 | 2.23 | 2.75 | 4.21 | 12.58 | 4.75 | 12.92 | 13.40 | 14.14 | 5.58 | 7.66 |
| Commercial and industrial loans | 3.11 | 2.62 | 2.39 | 2.44 | 3.30 | 3.21 | 2.36 | 2.90 | 2.92 | 1.70 | 5.00 |
| Loans to individuals | 2.27 | 1.10 | 0.81 | 1.39 | 2.37 | 3.04 | 1.62 | 1.45 | 2.39 | 0.83 | 2.30 |
| Credit card loans | 3.09 | 1.91 | 1.50 | 2.13 | 3.13 | 3.37 | 2.93 | 3.00 | 3.04 | 1.22 | 2.62 |
| Other loans to individuals | 1.37 | 1.09 | 0.76 | 1.10 | 1.45 | 1.80 | 0.87 | 1.01 | 1.39 | 0.63 | 2.11 |
| All other loans and leases (including farm) | 1.65 | 0.98 | 1.12 | 1.31 | 1.74 | 1.28 | 0.99 | 2.00 | 1.20 | 1.42 | 2.74 |
| Total loans and leases | 5.45 | 2.65 | 3.64 | 4.59 | 5.94 | 4.03 | 6.52 | 5.99 | 6.18 | 3.90 | 5.07 |
| Percent of Loans Charged-off (net, YTD) | |||||||||||
| All real estate loans | 2.04 | 0.51 | 0.79 | 1.72 | 2.46 | 1.10 | 2.75 | 2.25 | 2.14 | 1.21 | 2.17 |
| Construction and development | 5.32 | 2.29 | 2.61 | 6.08 | 6.16 | 5.41 | 5.24 | 6.42 | 4.23 | 3.23 | 8.00 |
| Nonfarm nonresidential | 0.97 | 0.44 | 0.47 | 1.01 | 1.22 | 0.90 | 1.07 | 1.12 | 0.67 | 0.56 | 1.34 |
| Multifamily residential real estate | 1.10 | 0.59 | 0.58 | 1.25 | 1.19 | 0.81 | 1.05 | 1.20 | 0.88 | 0.81 | 1.69 |
| Home equity loans | 3.12 | 0.48 | 0.66 | 1.07 | 3.48 | 0.83 | 4.73 | 2.22 | 4.06 | 1.64 | 2.69 |
| Other 1-4 family residential | 1.76 | 0.32 | 0.56 | 0.88 | 2.14 | 0.69 | 2.27 | 2.30 | 1.98 | 0.87 | 2.02 |
| Commercial and industrial loans | 1.98 | 1.09 | 1.17 | 1.49 | 2.17 | 3.14 | 1.53 | 2.26 | 1.78 | 0.99 | 1.83 |
| Loans to individuals | 7.41 | 0.70 | 1.48 | 3.10 | 7.98 | 12.28 | 5.28 | 3.00 | 10.28 | 2.03 | 4.03 |
| Credit card loans | 13.13 | 4.88 | 7.80 | 8.94 | 13.30 | 14.71 | 12.65 | 8.53 | 18.39 | 4.58 | 6.58 |
| Other loans to individuals | 2.41 | 0.64 | 1.04 | 1.14 | 2.66 | 5.31 | 1.90 | 1.45 | 2.16 | 0.93 | 2.47 |
| All other loans and leases (including farm) | 0.92 | 0.00 | 0.46 | 0.53 | 1.00 | 0.60 | 0.37 | 2.28 | 0.71 | 0.64 | 0.47 |
| Total loans and leases | 2.84 | 0.61 | 0.86 | 1.75 | 3.40 | 4.09 | 2.73 | 2.35 | 3.27 | 1.21 | 2.34 |
| Loans Outstanding (in billions) | |||||||||||
| All real estate loans | $4,400.5 | $65.9 | $704.1 | $711.6 | $2,918.9 | $833.7 | $1,081.6 | $868.4 | $645.9 | $359.3 | $611.6 |
| Construction and development | 418.0 | 5.6 | 90.9 | 100.7 | 220.8 | 57.7 | 133.0 | 70.3 | 55.9 | 59.4 | 41.8 |
| Nonfarm nonresidential | 1,090.4 | 19.8 | 269.5 | 278.0 | 523.0 | 221.9 | 247.7 | 196.0 | 153.7 | 125.0 | 146.2 |
| Multifamily residential real estate | 214.9 | 1.9 | 32.2 | 41.8 | 139.1 | 57.4 | 34.7 | 62.3 | 18.1 | 9.3 | 33.1 |
| Home equity loans | 659.6 | 2.2 | 38.7 | 50.0 | 568.7 | 86.0 | 193.6 | 178.1 | 117.3 | 24.5 | 60.1 |
| Other 1-4 family residential | 1,887.4 | 27.8 | 239.7 | 228.4 | 1,391.5 | 405.2 | 456.4 | 345.3 | 277.0 | 129.3 | 274.2 |
| Commercial and industrial loans | 1,187.6 | 12.5 | 112.8 | 141.2 | 921.1 | 182.1 | 275.7 | 253.4 | 175.7 | 90.4 | 210.3 |
| Loans to individuals | 1,380.7 | 6.7 | 42.1 | 76.1 | 1,255.8 | 433.2 | 232.8 | 192.9 | 235.9 | 44.1 | 241.8 |
| Credit card loans | 717.0 | 0.1 | 2.5 | 21.5 | 692.9 | 340.9 | 84.6 | 43.0 | 143.6 | 14.6 | 90.3 |
| Other loans to individuals | 663.7 | 6.6 | 39.6 | 54.5 | 563.0 | 92.4 | 148.2 | 149.8 | 92.3 | 29.4 | 151.5 |
| All other loans and leases (including farm) | 536.5 | 10.1 | 38.4 | 33.8 | 454.3 | 81.2 | 103.1 | 114.6 | 109.8 | 22.2 | 105.6 |
| Total loans and leases (plus unearned income) | 7,505.3 | 95.2 | 897.3 | 962.7 | 5,550.1 | 1,530.3 | 1,693.2 | 1,429.3 | 1,167.3 | 516.0 | 1,169.3 |
| Memo: Other Real Estate Owned (in millions) | |||||||||||
| All other real estate owned | 46,263.3 | 1,061.4 | 12,295.9 | 10,232.8 | 22,673.2 | 3,693.0 | 13,639.5 | 9,797.5 | 7,560.0 | 4,862.8 | 6,710.5 |
| Construction and development | 17,621.6 | 367.6 | 6,113.7 | 5,568.0 | 5,572.3 | 1,064.1 | 5,840.7 | 2,684.4 | 2,625.3 | 2,418.3 | 2,988.8 |
| Nonfarm nonresidential | 8,044.8 | 294.4 | 2,823.0 | 2,065.5 | 2,862.0 | 828.5 | 1,899.7 | 1,828.0 | 1,302.3 | 1,055.7 | 1,130.5 |
| Multifamily residential real estate | 2,655.8 | 35.3 | 429.4 | 402.1 | 1,789.1 | 250.5 | 471.7 | 368.7 | 494.0 | 143.4 | 927.6 |
| 1-4 family residential | 14,552.7 | 341.5 | 2,778.3 | 1,972.9 | 9,460.0 | 1,357.6 | 5,186.8 | 3,454.2 | 1,977.6 | 1,137.5 | 1,439.0 |
| Farmland | 245.7 | 21.1 | 150.2 | 52.9 | 21.4 | 15.9 | 35.3 | 31.7 | 45.8 | 90.1 | 26.8 |
| GNMA properties | 2,996.4 | 1.7 | 7.8 | 175.3 | 2,811.5 | 167.4 | 220.5 | 1,426.6 | 1,117.9 | 17.9 | 46.1 |
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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 05/20/2010 | Questions, Suggestions & Requests |
