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| FDIC - Quarterly Banking Profile |
| TABLE V-A. Loan Performance, All FDIC-Insured Institutions | |||||||||||
| March 31, 2008 | 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 | 1.61 | 1.74 | 1.46 | 1.33 | 1.70 | 1.09 | 1.59 | 1.88 | 1.23 | 1.61 | 1.96 |
| Construction and development | 2.47 | 1.99 | 2.33 | 2.52 | 2.53 | 1.99 | 2.15 | 3.55 | 1.57 | 2.01 | 3.05 |
| Nonfarm nonresidential | 0.81 | 1.45 | 1.08 | 0.77 | 0.66 | 0.94 | 0.61 | 1.19 | 0.80 | 0.87 | 0.48 |
| Multifamily residential real estate | 0.75 | 1.57 | 1.08 | 0.92 | 0.62 | 0.46 | 0.76 | 2.06 | 0.50 | 0.94 | 0.45 |
| Home equity loans | 1.16 | 0.83 | 0.92 | 0.77 | 1.21 | 0.76 | 1.31 | 0.93 | 1.17 | 0.69 | 1.51 |
| Other 1-4 family residential | 1.96 | 2.10 | 1.51 | 1.27 | 2.11 | 1.10 | 1.95 | 2.15 | 1.49 | 2.35 | 2.63 |
| Commercial and industrial loans | 0.73 | 1.70 | 1.36 | 0.95 | 0.62 | 1.10 | 0.52 | 0.83 | 0.99 | 0.79 | 0.49 |
| Loans to individuals | 1.92 | 2.44 | 1.74 | 1.94 | 1.93 | 2.16 | 1.67 | 1.69 | 2.39 | 1.48 | 1.91 |
| Credit card loans | 2.29 | 1.77 | 2.34 | 2.32 | 2.29 | 2.29 | 2.39 | 2.14 | 2.33 | 1.13 | 2.38 |
| Other loans to individuals | 1.71 | 2.45 | 1.70 | 1.72 | 1.70 | 1.95 | 1.58 | 1.54 | 2.43 | 1.56 | 1.61 |
| All other loans and leases (including farm) | 0.46 | 1.10 | 0.88 | 0.67 | 0.40 | 0.39 | 0.38 | 0.61 | 0.55 | 0.95 | 0.24 |
| Total loans and leases | 1.39 | 1.72 | 1.44 | 1.29 | 1.40 | 1.25 | 1.32 | 1.48 | 1.27 | 1.40 | 1.56 |
| Percent of Loans Noncurrent** | |||||||||||
| All real estate loans | 2.19 | 1.52 | 1.70 | 2.16 | 2.32 | 1.28 | 2.06 | 2.71 | 2.62 | 1.99 | 2.55 |
| Construction and development | 4.71 | 3.26 | 4.28 | 5.14 | 4.75 | 3.66 | 4.63 | 5.53 | 4.05 | 3.49 | 6.07 |
| Nonfarm nonresidential | 1.02 | 1.42 | 1.07 | 0.93 | 1.02 | 1.26 | 0.87 | 1.53 | 0.85 | 0.80 | 0.58 |
| Multifamily residential real estate | 0.98 | 1.49 | 1.27 | 1.84 | 0.64 | 0.46 | 1.07 | 3.00 | 0.75 | 1.56 | 0.49 |
| Home equity loans | 1.08 | 0.70 | 0.64 | 0.68 | 1.14 | 0.66 | 1.31 | 0.88 | 0.89 | 0.40 | 1.47 |
| Other 1-4 family residential | 2.49 | 1.25 | 1.09 | 1.72 | 2.81 | 1.08 | 2.04 | 3.28 | 4.52 | 2.44 | 3.20 |
| Commercial and industrial loans | 0.79 | 1.53 | 1.16 | 0.95 | 0.73 | 1.30 | 0.60 | 0.77 | 0.98 | 0.68 | 0.69 |
| Loans to individuals | 1.47 | 0.94 | 0.62 | 1.14 | 1.55 | 1.88 | 0.82 | 0.98 | 1.44 | 0.60 | 1.97 |
| Credit card loans | 2.38 | 1.06 | 1.52 | 2.28 | 2.40 | 2.45 | 2.26 | 2.00 | 2.09 | 1.24 | 2.63 |
| Other loans to individuals | 0.94 | 0.94 | 0.55 | 0.49 | 1.01 | 0.97 | 0.64 | 0.65 | 0.96 | 0.45 | 1.55 |
| All other loans and leases (including farm) | 0.57 | 0.75 | 0.60 | 0.55 | 0.56 | 0.58 | 0.19 | 0.59 | 0.31 | 0.55 | 1.25 |
| Total loans and leases | 1.71 | 1.40 | 1.53 | 1.83 | 1.72 | 1.35 | 1.56 | 1.84 | 1.90 | 1.55 | 2.02 |
| Percent of Loans Charged-off (net, YTD) | |||||||||||
| All real estate loans | 0.73 | 0.14 | 0.22 | 0.48 | 0.90 | 0.23 | 0.71 | 0.90 | 0.67 | 0.37 | 1.14 |
| Construction and development | 1.10 | 0.31 | 0.65 | 1.27 | 1.25 | 0.43 | 0.99 | 1.21 | 0.86 | 0.81 | 2.05 |
| Nonfarm nonresidential | 0.10 | 0.13 | 0.07 | 0.11 | 0.12 | 0.14 | 0.06 | 0.22 | 0.07 | 0.06 | 0.02 |
| Multifamily residential real estate | 0.14 | -0.01 | 0.07 | 0.40 | 0.08 | 0.04 | 0.24 | 0.52 | 0.05 | 0.16 | 0.04 |
| Home equity loans | 1.54 | 0.31 | 0.27 | 0.48 | 1.71 | 0.58 | 1.74 | 1.05 | 1.87 | 0.52 | 2.37 |
| Other 1-4 family residential | 0.76 | 0.12 | 0.15 | 0.33 | 0.90 | 0.21 | 0.60 | 1.17 | 0.47 | 0.32 | 1.30 |
| Commercial and industrial loans | 0.67 | 0.37 | 0.42 | 0.66 | 0.71 | 1.27 | 0.49 | 0.43 | 1.13 | 0.43 | 0.67 |
| Loans to individuals | 3.07 | 0.57 | 1.17 | 2.76 | 3.21 | 3.98 | 1.92 | 1.98 | 3.59 | 1.24 | 3.69 |
| Credit card loans | 4.83 | 1.93 | 7.32 | 4.73 | 4.82 | 4.84 | 5.47 | 4.60 | 5.25 | 3.26 | 4.72 |
| Other loans to individuals | 1.96 | 0.55 | 0.70 | 1.62 | 2.12 | 2.51 | 1.44 | 1.08 | 2.26 | 0.77 | 3.00 |
| All other loans and leases (including farm) | 0.24 | 0.06 | 0.24 | 0.29 | 0.24 | 0.17 | 0.43 | 0.21 | 0.20 | 0.31 | 0.10 |
| Total loans and leases | 0.99 | 0.20 | 0.30 | 0.68 | 1.16 | 1.14 | 0.76 | 0.84 | 1.12 | 0.45 | 1.38 |
| Loans Outstanding (in billions) | |||||||||||
| All real estate loans | $4,802.0 | $75.3 | $728.0 | $725.3 | $3,273.4 | $809.3 | $1,391.5 | $855.3 | $394.3 | $333.3 | $1,018.3 |
| Construction and development | 631.8 | 10.3 | 148.2 | 164.3 | 308.9 | 67.1 | 206.0 | 122.2 | 52.6 | 88.1 | 95.8 |
| Nonfarm nonresidential | 988.7 | 21.8 | 249.8 | 239.2 | 477.9 | 188.5 | 258.6 | 191.2 | 92.7 | 106.2 | 151.4 |
| Multifamily residential real estate | 207.1 | 1.7 | 28.2 | 42.2 | 134.9 | 49.2 | 31.0 | 29.9 | 9.4 | 7.3 | 80.2 |
| Home equity loans | 625.2 | 2.5 | 34.3 | 43.2 | 545.2 | 60.0 | 199.7 | 154.9 | 76.2 | 22.1 | 112.2 |
| Other 1-4 family residential | 2,214.9 | 30.2 | 239.3 | 222.4 | 1,723.0 | 439.8 | 675.3 | 339.3 | 144.6 | 99.2 | 516.8 |
| Commercial and industrial loans | 1,485.9 | 16.1 | 125.8 | 155.6 | 1,188.2 | 204.0 | 361.6 | 362.5 | 129.3 | 102.8 | 325.6 |
| Loans to individuals | 1,048.4 | 8.5 | 47.7 | 78.9 | 913.3 | 275.8 | 192.2 | 176.2 | 95.1 | 39.4 | 269.6 |
| Credit card loans | 386.9 | 0.1 | 3.3 | 28.8 | 354.7 | 169.4 | 21.3 | 43.2 | 40.6 | 7.3 | 105.2 |
| Other loans to individuals | 661.6 | 8.3 | 44.4 | 50.2 | 558.7 | 106.4 | 170.9 | 133.1 | 54.6 | 32.2 | 164.5 |
| All other loans and leases (including farm) | 634.1 | 11.0 | 35.4 | 35.7 | 552.1 | 98.5 | 161.3 | 169.6 | 74.2 | 20.1 | 110.3 |
| Total loans and leases | 7,970.3 | 110.9 | 936.8 | 995.6 | 5,927.1 | 1,387.7 | 2,106.7 | 1,563.6 | 692.9 | 495.6 | 1,723.9 |
| Memo: Other Real Estate Owned (in millions) | |||||||||||
| All other real estate owned | 15,670.8 | 397.4 | 3,373.1 | 2,304.3 | 9,596.0 | 1,201.0 | 4,120.9 | 3,472.8 | 1,954.6 | 1,399.9 | 3,521.5 |
| Construction and development | 3,225.0 | 87.2 | 1,424.8 | 943.4 | 769.6 | 210.9 | 1,099.0 | 605.8 | 376.5 | 504.0 | 428.8 |
| Nonfarm nonresidential | 1,890.1 | 123.2 | 763.5 | 363.9 | 639.5 | 251.4 | 481.2 | 469.3 | 282.3 | 318.1 | 87.8 |
| Multifamily residential real estate | 449.1 | 9.7 | 147.5 | 115.3 | 176.6 | 54.2 | 129.5 | 144.9 | 47.1 | 31.7 | 41.7 |
| 1-4 family residential | 8,560.1 | 163.3 | 1,006.3 | 870.1 | 6,520.3 | 657.3 | 2,360.4 | 1,666.5 | 662.6 | 490.8 | 2,722.5 |
| Farmland | 60.7 | 14.1 | 28.1 | 8.2 | 10.4 | 11.1 | 5.4 | 6.7 | 7.8 | 27.8 | 1.9 |
| GNMA properties | 1,313.2 | 0.2 | 4.4 | 6.1 | 1,302.5 | 9.4 | 47.5 | 580.4 | 579.4 | 27.5 | 68.9 |
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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 05/29/2008 | Questions, Suggestions & Requests |
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