Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

TABLE I-A. Selected Indicators, FDIC-Insured Commercial Banks

Return on assets (%)............................................. 1.32 1.36 1.35 0.96 1.02 1.04 1.00

Return on equity (%)............................................. 11.61 12.06 11.99 8.49 9.12 9.25 8.95

Core capital (leverage) ratio (%).............................. 9.62 9.73 9.66 9.57 9.41 9.51 9.34

Noncurrent assets plus

other real estate owned to assets (%)..................... 0.53 0.60 0.58 0.71 0.84 0.95 1.17

Net charge-offs to loans (%).................................... 0.48 0.45 0.46 0.48 0.46 0.43 0.49

Asset growth rate (%)............................................. 5.02 2.63 3.15 3.78 4.93 2.89 5.86

Net interest margin (%).......................................... 3.35 3.35 3.37 3.21 3.09 3.04 3.12

Net operating income growth (%).............................. 0.62 29.97 47.56 -2.74 3.23 8.02 -1.43

Number of institutions reporting.............................. 4,587 4,774 4,715 4,918 5,112 5,338 5,607

Percentage of unprofitable institutions (%).................. 2.99 2.87 2.95 4.72 3.85 4.12 5.23

Number of failed institutions.................................... 1 0 0 6 5 8 14

* Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30.

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks

(dollar figures in millions)

Number of institutions reporting............................................. 4,587 4,630 4,774 -3.9

Total employees (full-time equivalent).................................... 1,942,682 1,948,707 1,947,726 -0.3

CONDITION DATA

 Total assets..................................................................... $17,307,998 $17,098,002 $16,480,478 5.0

 Loans secured by real estate.......................................... 4,537,189 4,500,675 4,389,996 3.4

 Commercial & industrial loans.......................................... 2,171,978 2,169,040 2,035,289 6.7

 Loans to individuals......................................................... 1,635,176 1,606,494 1,549,144 5.6

 Farm loans.................................................................. 75,938 77,415 78,049 -2.7

 Other loans & leases...................................................... 1,300,634 1,272,940 1,205,196 7.9

 Less: Unearned income................................................... 2,143 2,205 2,195 -2.4

 Total loans & leases......................................................... 9,718,772 9,624,359 9,255,479 5.0

 Less: Reserve for losses................................................... 115,088 114,685 112,852 2.0

 Net loans and leases......................................................... 9,603,683 9,509,673 9,142,627 5.0

 Securities........................................................................ 3,553,226 3,401,990 3,241,264 9.6

 Other real estate owned................................................... 5,817 5,989 6,741 -13.7

 Goodwill and other intangibles............................................. 381,925 384,862 384,119 -0.6

 All other assets............................................................... 3,763,347 3,795,488 3,705,727 1.6

Total liabilities and capital................................................... 17,307,998 17,098,002 16,480,478 5.0

 Noninterest-bearing deposits............................................. 3,175,860 3,113,277 3,174,921 0.0

 Interest-bearing deposits..................................................... 10,170,998 10,002,064 9,456,637 7.6

 Other borrowed funds...................................................... 1,364,038 1,400,149 1,390,822 -1.9

 Subordinated debt............................................................ 69,306 68,927 68,829 0.7

 All other liabilities............................................................ 556,379 545,446 520,038 7.0

 Equity capital.................................................................. 1,971,418 1,968,139 1,869,230 5.5

Loans and leases 30-89 days past due.................................... 57,679 55,174 57,638 0.1

Noncurrent loans and leases................................................ 84,812 85,638 91,009 -6.8

Restructured loans and leases............................................. 48,117 49,811 53,194 -9.5

1-4 Family residential mortgages.......................................... 2,272,309 2,262,280 2,229,691 1.9

Mortgage-backed securities................................................ 2,077,322 2,007,431 1,882,629 10.3

Earning assets.................................................................. 15,575,543 15,378,664 14,831,825 5.0

Long-term assets (5+ years)................................................ 4,568,385 4,469,718 4,337,246 5.3

Volatile liabilities............................................................... 2,736,783 2,760,241 2,697,156 1.5

Foreign office deposits......................................................... 1,295,828 1,292,033 1,251,788 3.5

FHLB Advances............................................................... 418,702 452,380 464,924 -9.9

Unused loan commitments................................................... 7,504,001 7,431,219 7,231,001 3.8

Off-balance-sheet derivatives................................................ 203,346,260 207,165,317 209,678,799 -3.0

INCOME DATA 

Total interest income............................................ $499,192 $447,597 11.5 $167,294 $155,881 7.3

Total interest expense......................................... 115,249 77,204 49.3 39,261 29,673 32.3

 Net interest income.......................................... 383,943 370,393 3.7 128,033 126,208 1.5

Provision for loan and lease losses........................ 36,722 31,471 16.7 12,565 10,285 22.2

Total noninterest income.................................... 191,765 192,951 -0.6 66,165 63,657 3.9

Total noninterest expense.................................... 327,535 320,537 2.2 112,699 106,336 6.0

Securities gains (losses)....................................... 708 424 66.9 -1,134 106 N/M

Applicable income taxes..................................... 43,834 44,709 -2.0 14,638 15,215 -3.8

Extraordinary gains, net....................................... 166 -29 N/M -5 -5 0.0

 Net income...................................................... 168,305 166,808 0.9 53,096 58,062 -8.6

Net charge-offs................................................... 34,107 30,880 10.5 11,703 9,923 17.9

Cash dividends.................................................. 125,677 107,995 16.4 44,483 42,320 5.1

 Net operating income....................................... 167,736 166,711 0.6 54,060 58,051 -6.9

N/M - Not meaningful

3rd Quarter

2019

First Three

%Change 2019

3rd Quarter

Qtrs 2019

First Three

Qtrs 2018

2019* 2018* 2018 2017

2018

3rd Quarter

18Q3-19Q3

%Change

18Q3-19Q3

2016 2015 2014

2019

2nd Quarter 3rd Quarter

2018

%Change
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

FIRST THREE QUARTERS San

(The way it is...)

Number of institutions reporting........................... 4,587 1,068 2,854 539 117 9 333 550 971 1,298 1,085 350

Total assets (in billions).................................... $17,308.0 $63.6 $936.2 $1,405.8 $5,734.3 $9,168.1 $2,953.2 $3,682.5 $4,135.2 $3,752.3 $1,039.3 $1,745.4

Total deposits (in billions)................................. 13,346.9 53.1 784.6 1,144.2 4,387.0 6,977.9 2,291.7 2,896.6 3,015.2 2,940.2 839.6 1,363.5

Net income (in millions).................................... 168,305 468 9,002 14,159 56,106 88,569 24,864 36,748 41,473 34,764 10,784 19,671

% of unprofitable institutions.............................. 3.0 7.3 2.0 0.2 0.9 0.0 3.6 4.7 2.5 1.8 3.0 5.1

% of institutions with earnings gains..................... 65.4 58.5 66.6 71.2 70.1 55.6 65.5 67.5 67.9 62.0 65.3 67.7

Performance ratios (annualized, %)

Yield on earning assets.................................... 4.35 4.61 4.81 4.85 4.78 3.96 4.37 4.44 3.90 4.37 4.72 4.96

Cost of funding earning assets........................... 1.01 0.72 0.89 0.99 1.15 0.93 1.20 0.89 0.89 1.05 0.90 1.14

Net interest margin.......................................... 3.35 3.89 3.92 3.86 3.63 3.03 3.16 3.56 3.00 3.32 3.82 3.82

Noninterest income to earning assets.................. 1.67 0.99 1.07 1.28 1.70 1.79 1.54 1.63 2.01 1.39 1.29 2.04

Noninterest expense to earning assets.................. 2.86 3.53 3.26 3.08 3.00 2.69 2.73 2.83 2.88 2.69 3.07 3.31

Loan and lease loss provision to assets............... 0.29 0.16 0.15 0.20 0.39 0.25 0.32 0.34 0.22 0.29 0.14 0.38

Net operating income to assets........................... 1.32 0.97 1.28 1.35 1.33 1.31 1.14 1.41 1.34 1.23 1.41 1.52

Pretax return on assets.................................... 1.67 1.11 1.51 1.74 1.73 1.63 1.46 1.71 1.69 1.57 1.73 2.04

Return on assets............................................. 1.32 0.99 1.31 1.38 1.34 1.30 1.15 1.36 1.35 1.26 1.43 1.55

Return on equity............................................. 11.61 7.36 11.39 11.66 10.97 12.12 9.59 11.11 12.35 12.30 11.66 13.26

Net charge-offs to loans and leases..................... 0.48 0.20 0.12 0.22 0.57 0.51 0.54 0.56 0.41 0.52 0.16 0.46

Loan and lease loss provision to net charge-offs...... 107.67 138.45 178.45 125.71 108.87 102.38 109.68 103.20 104.19 105.59 133.27 118.80

Efficiency ratio................................................ 56.08 72.33 65.02 59.35 54.59 55.47 57.37 53.90 57.09 56.59 59.43 53.81

Condition Ratios (%)

Earning assets to total assets.............................. 89.99 92.61 93.12 92.12 90.38 89.08 89.51 89.65 88.74 90.42 90.99 92.97

Loss allowance to:

Loans and leases.......................................... 1.18 1.45 1.30 1.13 1.14 1.22 1.21 1.18 1.22 1.26 0.98 1.08

Noncurrent loans and leases........................... 135.70 109.17 156.03 150.82 144.51 124.87 124.35 149.58 134.67 115.19 134.40 199.20

Noncurrent assets plus

other real estate owned to assets..................... 0.53 0.99 0.74 0.63 0.53 0.49 0.56 0.50 0.51 0.62 0.60 0.39

Equity capital ratio............................................. 11.37 13.77 11.77 12.02 12.31 10.63 11.95 12.25 10.84 10.19 12.39 11.72

Core capital (leverage) ratio.............................. 9.62 13.44 11.38 10.89 10.35 8.78 9.99 9.62 9.18 9.14 10.51 10.61

Common equity tier 1 capital ratio........................ 13.03 21.09 15.37 13.76 12.72 12.82 13.31 12.79 13.05 12.64 13.04 13.86

Tier 1 risk-based capital ratio.............................. 13.11 21.11 15.39 13.78 12.87 12.85 13.36 12.90 13.09 12.72 13.10 13.98

Total risk-based capital ratio.............................. 14.48 22.19 16.48 14.75 14.23 14.34 14.70 14.15 14.43 14.53 14.10 15.06

Net loans and leases to deposits........................ 71.95 70.08 80.68 87.00 82.25 62.05 68.29 73.44 68.00 67.18 82.95 87.24

Structural Changes (YTD)

New reporters............................................. 10 9 1 0 0 0 3 3 2 0 1 1

Banks absorbed by mergers........................... 133 35 75 18 5 0 11 20 29 38 25 10

Failed banks................................................ 1 1 0 0 0 0 0 0 0 0 1 0

PRIOR FIRST THREE QUARTERS

 (The way it was...)

Number of institutions................................2018 4,774 1,185 2,952 513 115 9 350 578 1,011 1,349 1,120 366

 ...............................................2016 5,169 1,397 3,168 506 88 10 378 661 1,075 1,444 1,198 413

 ...............................................2014 5,670 1,705 3,414 459 84 8 422 744 1,190 1,545 1,293 476

Total assets (in billions).............................2018 $16,480.5 $70.6 $951.4 $1,341.2 $5,361.8 $8,755.5 $2,832.3 $3,555.2 $3,890.1 $3,598.5 $981.1 $1,623.2

 ................................................2016 15,636.7 83.1 992.7 1,427.6 4,356.6 8,776.7 2,724.5 3,393.5 3,672.9 3,585.4 878.8 1,381.8

 ................................................2014 14,279.7 100.5 1,030.7 1,239.9 4,228.8 7,679.9 2,574.6 3,048.2 3,393.3 3,302.0 777.4 1,184.2

Return on assets (%)................................2018 1.36 1.03 1.25 1.40 1.45 1.31 1.25 1.45 1.29 1.27 1.42 1.71

 ................................................2016 1.03 0.94 1.10 1.11 1.01 1.01 0.87 1.04 0.97 1.09 1.09 1.23

 ................................................2014 1.02 0.85 1.02 1.13 1.08 0.97 1.00 0.90 0.89 1.14 1.13 1.34

Net charge-offs to loans & leases (%) 

 ................................................2018 0.45 0.18 0.12 0.21 0.61 0.43 0.70 0.56 0.22 0.50 0.15 0.40

 ................................................2016 0.44 0.16 0.12 0.23 0.56 0.46 0.57 0.54 0.27 0.52 0.23 0.30

 ................................................2014 0.49 0.21 0.21 0.31 0.67 0.45 0.88 0.40 0.35 0.61 0.13 0.25

Noncurrent assets plus 

OREO to assets (%)..............................2018 0.60 1.00 0.79 0.71 0.57 0.58 0.63 0.58 0.55 0.71 0.63 0.44

 ................................................2016 0.86 1.17 1.04 0.87 0.75 0.89 0.70 0.96 0.80 1.05 0.94 0.55

 ................................................2014 1.27 1.55 1.56 1.37 0.82 1.47 0.89 1.62 1.15 1.62 1.11 0.72

Equity capital ratio (%)..............................2018 11.32 12.83 11.11 11.80 12.57 10.50 12.79 11.99 10.34 10.19 11.84 11.85

 ................................................2016 11.23 12.64 11.25 11.78 12.50 10.50 12.04 12.46 10.12 10.06 11.34 12.54

 ................................................2014 11.15 11.86 10.92 11.84 12.89 10.10 11.99 12.10 9.84 10.27 11.19 13.06

$10 Billion

$100 Million

All

Institutions

Than $100

Less

Million

Than $250

Billion

to 

$1 Billion

$1 Billion

New York

to

$250 Billion

to

Atlanta Chicago Dallas Francisco

Kansas

City

TABLE III-A. First Three Quarters 2019, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Region

$10 Billion Greater
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

THIRD QUARTER San

(The way it is...)

Number of institutions reporting........................... 4,587 1,068 2,854 539 117 9 333 550 971 1,298 1,085 350

Total assets (in billions).................................... $17,308.0 $63.6 $936.2 $1,405.8 $5,734.3 $9,168.1 $2,953.2 $3,682.5 $4,135.2 $3,752.3 $1,039.3 $1,745.4

Total deposits (in billions)................................. 13,346.9 53.1 784.6 1,144.2 4,387.0 6,977.9 2,291.7 2,896.6 3,015.2 2,940.2 839.6 1,363.5

Net income (in millions).................................... 53,096.5 161.0 3,133.6 5,105.1 17,409.7 27,287.0 8,284.6 10,862.5 13,837.6 10,704.4 3,766.6 5,640.9

% of unprofitable institutions.............................. 3.7 8.3 2.6 0.7 2.6 0.0 3.9 5.8 3.2 2.3 3.8 6.9

% of institutions with earnings gains..................... 63.4 55.1 65.0 73.5 56.4 44.4 62.2 64.2 67.0 62.5 61.5 63.1

Performance Ratios (annualized, %)

Yield on earning assets.................................... 4.33 4.71 4.87 4.89 4.77 3.91 4.34 4.39 3.90 4.31 4.71 4.98

Cost of funding earning assets........................... 1.02 0.76 0.92 1.01 1.16 0.94 1.23 0.90 0.90 1.06 0.92 1.15

Net interest margin.......................................... 3.31 3.94 3.94 3.88 3.61 2.97 3.11 3.49 3.01 3.26 3.79 3.83

Noninterest income to earning assets.................. 1.71 1.04 1.18 1.39 1.70 1.84 1.54 1.63 2.07 1.45 1.38 2.09

Noninterest expense to earning assets.................. 2.92 3.59 3.30 3.07 3.11 2.73 2.71 2.85 2.90 2.79 3.08 3.60

Loan and lease loss provision to assets............... 0.29 0.20 0.16 0.21 0.40 0.25 0.32 0.32 0.24 0.30 0.16 0.40

Net operating income to assets........................... 1.26 0.98 1.32 1.44 1.21 1.26 1.12 1.36 1.33 1.12 1.44 1.28

Pretax return on assets.................................... 1.58 1.13 1.56 1.84 1.61 1.52 1.43 1.50 1.71 1.47 1.77 1.80

Return on assets............................................. 1.24 1.02 1.35 1.47 1.23 1.19 1.13 1.19 1.35 1.15 1.46 1.31

Return on equity............................................. 10.81 7.41 11.52 12.23 9.97 11.13 9.42 9.68 12.24 11.23 11.83 11.15

Net charge-offs to loans and leases..................... 0.48 0.29 0.14 0.24 0.59 0.51 0.55 0.54 0.44 0.51 0.20 0.49

Loan and lease loss provision to net charge-offs...... 107.36 120.69 165.18 123.71 105.69 104.78 109.25 99.42 105.88 108.92 113.94 118.44

Efficiency ratio................................................ 56.54 71.78 64.25 57.72 54.98 56.43 57.47 54.51 56.63 58.85 58.98 53.65

Structural Changes (QTR)

New reporters............................................. 4 3 1 0 0 0 1 2 0 0 0 1

Banks absorbed by mergers........................... 45 17 21 5 2 0 4 7 8 16 8 2

Failed banks................................................ 0 0 0 0 0 0 0 0 0 0 0 0

PRIOR THIRD QUARTERS

 (The way it was...)

Return on assets (%)................................2018 1.42 1.09 1.29 1.50 1.51 1.36 1.32 1.50 1.28 1.38 1.52 1.74

 .................................................2016 1.09 0.95 1.13 1.15 1.05 1.09 0.88 1.26 0.99 1.09 1.15 1.28

 .................................................2014 1.00 0.88 1.06 1.20 1.01 0.95 0.91 0.89 0.82 1.15 1.15 1.46

Net charge-offs to loans & leases (%)

 .................................................2018 0.43 0.21 0.13 0.21 0.58 0.41 0.65 0.55 0.19 0.48 0.17 0.40

 .................................................2016 0.43 0.16 0.13 0.27 0.56 0.43 0.59 0.52 0.27 0.47 0.21 0.32

 .................................................2014 0.45 0.23 0.20 0.28 0.64 0.41 0.83 0.36 0.32 0.56 0.14 0.24

Chicago City Francisco

Kansas

Dallas

TABLE IV-A. Third Quarter 2019, FDIC-Insured Commercial Banks

Asset Size Distribution Geographic Region

All

$1 Billion

to to

Billion New York Atlanta

Greater

Than $250

$10 Billion $250 Billion

$100 Million

Institutions

Less

Than $100

Million $1 Billion

to

$10 Billion
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

September 30, 2019 San

Percent of Loans 30-89 Days Past Due

All loans secured by real estate........................... 0.53 1.01 0.56 0.35 0.40 0.72 0.52 0.52 0.54 0.77 0.46 0.22

Construction and development........................ 0.32 0.89 0.52 0.36 0.33 0.11 0.44 0.23 0.23 0.33 0.36 0.38

Nonfarm nonresidential.................................... 0.26 0.89 0.41 0.28 0.18 0.28 0.29 0.25 0.21 0.31 0.38 0.10

Multifamily residential real estate........................ 0.09 0.54 0.27 0.12 0.09 0.04 0.10 0.04 0.08 0.21 0.10 0.06

Home equity loans.......................................... 0.61 0.59 0.49 0.44 0.51 0.74 0.50 0.57 0.74 0.78 0.49 0.30

Other 1-4 Family residential.............................. 0.84 1.42 0.87 0.52 0.66 1.02 0.89 0.78 0.83 1.20 0.69 0.34

Commercial and industrial loans........................... 0.32 1.27 0.68 0.47 0.27 0.31 0.24 0.23 0.38 0.36 0.40 0.42

Loans to individuals............................................. 1.44 1.57 1.49 1.47 1.40 1.47 1.31 2.05 0.92 1.29 1.50 1.46

Credit card loans.......................................... 1.30 1.21 2.12 3.31 1.47 1.15 1.49 1.55 1.02 1.26 1.44 1.06

Other loans to individuals................................. 1.57 1.57 1.45 1.07 1.35 1.88 1.15 2.54 0.82 1.34 1.51 1.65

All other loans and leases (including farm)............... 0.23 0.50 0.51 0.27 0.16 0.24 0.14 0.12 0.25 0.36 0.19 0.17

Total loans and leases....................................... 0.59 1.00 0.61 0.43 0.53 0.67 0.56 0.69 0.52 0.69 0.46 0.51

Memo: Nonfarm nonres loans not secured by RE...... 0.27 0.13 0.22 0.02 0.18 0.33 0.31 0.31 0.41 0.02 0.19 0.03

Percent of Loans Noncurrent*

All real estate loans............................................. 1.09 1.25 0.79 0.70 0.78 1.67 1.20 0.93 1.32 1.65 0.70 0.35

Construction and development........................ 0.44 1.28 0.78 0.48 0.36 0.32 0.56 0.44 0.49 0.33 0.35 0.53

Nonfarm nonresidential.................................... 0.56 1.36 0.71 0.62 0.43 0.61 0.67 0.54 0.66 0.56 0.55 0.32

Multifamily residential real estate........................ 0.12 0.52 0.27 0.16 0.11 0.07 0.12 0.19 0.12 0.10 0.12 0.07

Home equity loans.......................................... 1.83 0.46 0.43 0.53 1.10 2.84 2.09 1.16 2.13 2.88 0.88 0.54

Other 1-4 Family residential.............................. 1.65 1.14 0.84 1.05 1.21 2.21 1.97 1.29 1.89 2.46 1.10 0.37

Commercial and industrial loans........................... 0.80 1.75 0.98 0.99 0.90 0.68 0.88 0.61 0.82 0.79 1.00 1.03

Loans to individuals............................................. 0.92 0.77 0.71 0.95 1.04 0.81 1.07 1.13 0.63 0.95 0.84 0.71

Credit card loans.......................................... 1.31 0.59 1.87 3.24 1.55 1.12 1.66 1.44 0.98 1.26 0.75 1.26

Other loans to individuals................................. 0.54 0.77 0.64 0.45 0.65 0.43 0.57 0.82 0.25 0.43 0.84 0.46

All other loans and leases (including farm)............... 0.20 1.53 1.00 0.39 0.21 0.12 0.16 0.15 0.15 0.28 0.32 0.21

Total loans and leases....................................... 0.87 1.32 0.83 0.75 0.79 0.97 0.97 0.79 0.91 1.10 0.73 0.54

Memo: Nonfarm nonres loans not secured by RE...... 0.14 0.21 0.05 0.27 0.24 0.08 0.15 0.10 0.19 0.03 0.26 0.27

Percent of Loans Charged-Off (net, YTD)

All real estate loans............................................. 0.01 0.07 0.03 0.04 0.03 -0.04 0.04 -0.03 0.01 0.00 0.02 -0.01

Construction and development........................ -0.01 0.00 0.01 -0.02 -0.01 -0.02 0.02 -0.02 0.03 -0.03 0.00 -0.08

Nonfarm nonresidential.................................... 0.04 0.12 0.03 0.05 0.04 0.03 0.07 0.05 0.04 0.03 0.05 0.00

Multifamily residential real estate........................ 0.00 0.02 0.01 0.00 0.01 0.00 0.01 0.01 0.00 0.01 -0.01 0.00

Home equity loans.......................................... -0.09 0.05 0.04 0.03 0.04 -0.22 0.04 -0.33 0.00 -0.04 -0.04 -0.03

Other 1-4 Family residential.............................. 0.00 0.05 0.03 0.05 0.02 -0.03 0.04 -0.03 -0.01 0.00 0.01 -0.01

Commercial and industrial loans........................... 0.34 0.64 0.31 0.38 0.41 0.27 0.23 0.33 0.34 0.26 0.42 0.56

Loans to individuals............................................. 2.27 0.59 1.00 1.96 2.36 2.25 2.50 2.41 1.95 2.73 1.00 1.69

Credit card loans.......................................... 3.68 3.14 4.49 7.27 4.00 3.39 3.93 3.93 3.28 3.72 2.79 3.34

Other loans to individuals................................. 0.90 0.57 0.79 0.76 1.03 0.79 1.22 0.89 0.50 1.00 0.92 0.91

All other loans and leases (including farm)............... 0.13 0.21 0.20 0.16 0.12 0.13 0.13 0.14 0.14 0.13 0.20 0.06

Total loans and leases....................................... 0.48 0.20 0.12 0.22 0.57 0.51 0.54 0.56 0.41 0.52 0.16 0.46

Memo: Nonfarm nonres loans not secured by RE...... 0.04 -0.40 0.67 0.25 0.05 0.00 0.06 0.06 0.01 0.00 -0.08 0.20

Loans Outstanding (in billions)

All real estate loans............................................. $4,537.2 $24.3 $480.6 $711.5 $1,675.1 $1,645.7 $762.9 $908.7 $925.9 $873.2 $466.8 $599.6

Construction and development........................ 336.6 1.5 48.7 77.0 145.1 64.4 55.6 58.7 57.0 49.4 76.0 40.0

Nonfarm nonresidential.................................... 1,388.8 6.2 196.8 319.2 574.4 292.2 267.9 289.0 216.3 200.8 200.1 214.6

Multifamily residential real estate........................ 374.8 0.6 25.2 74.5 144.7 129.8 93.6 44.7 110.1 39.6 21.4 65.4

Home equity loans.......................................... 327.6 0.5 16.1 30.9 126.0 154.1 62.4 81.7 82.0 59.7 17.0 24.7

Other 1-4 Family residential.............................. 1,944.7 9.9 142.9 184.0 668.3 939.6 278.9 421.6 436.5 429.6 133.7 244.4

Commercial and industrial loans........................... 2,172.0 4.8 87.0 174.8 836.3 1,069.0 318.7 547.7 484.7 438.7 146.2 236.0

Loans to individuals............................................. 1,635.2 2.7 26.9 61.7 691.6 852.3 292.9 420.6 333.6 317.2 25.3 245.5

Credit card loans.......................................... 795.4 0.0 1.6 11.0 305.0 477.8 135.5 208.1 172.7 200.9 1.1 77.1

Other loans to individuals................................. 839.8 2.7 25.3 50.7 386.6 374.5 157.5 212.5 160.9 116.4 24.2 168.4

All other loans and leases (including farm)............... 1,376.6 6.0 47.1 59.1 447.8 816.5 210.3 275.7 331.7 371.8 65.2 121.8

Total loans and leases (plus unearned income)......... 9,720.9 37.8 641.6 1,007.2 3,650.8 4,383.6 1,584.8 2,152.7 2,075.9 2,001.0 703.5 1,203.0

Memo: Nonfarm nonres loans not secured by RE...... 146.0 0.1 1.9 5.2 48.8 90.0 22.7 35.3 48.5 27.1 4.7 7.6

Memo: Other Real Estate Owned (in millions)

All other real estate owned................................. $5,817.2 $128.7 $1,563.1 $1,221.2 $1,528.1 $1,376.1 $946.9 $1,293.9 $1,142.2 $1,064.6 $1,056.7 $312.9

Construction and development........................ 1,400.5 20.9 615.8 398.4 275.8 89.5 156.9 400.3 162.7 243.8 338.3 98.4

Nonfarm nonresidential.................................... 1,933.1 43.6 531.3 524.8 468.4 364.9 251.0 397.9 355.3 384.3 462.4 82.2

Multifamily residential real estate........................ 67.9 5.0 38.5 18.7 3.9 1.8 8.5 21.3 13.4 12.2 8.1 4.4

1-4 Family residential.................................... 2,190.6 39.4 275.2 228.5 765.6 881.8 521.4 461.7 563.2 340.6 195.7 108.0

Farmland...................................................... 187.1 19.8 102.3 50.8 14.3 0.0 9.2 12.7 23.6 69.6 52.3 19.9

Other real estate owned in foreign offices............ 38.0 0.0 0.0 0.0 0.0 38.0 0.0 0.0 24.0 14.0 0.0 0.0

* 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. N/A - Not Available

$10 Billion

to

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks

Greater

Asset Size Distribution Geographic Region

Institutions

All

New York

Less $100 Million $1 Billion

to

Francisco

Than $100

Million $1 Billion

to

$10 Billion $250 Billion

Than $250

Billion

Kansas

Atlanta Chicago City Dallas
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

TABLE I-B. Selected Indicators, FDIC-Insured Savings Institutions

Return on assets (%)............................................. 1.38 1.25 1.27 1.10 1.26 1.12 1.15

Return on equity (%)............................................. 12.61 11.61 11.74 10.14 11.44 9.93 9.82

Core capital (leverage) ratio (%).............................. 10.47 10.32 10.29 10.34 10.49 10.70 10.87

Noncurrent assets plus

other real estate owned to assets (%)..................... 0.95 0.90 0.91 0.99 1.10 1.24 1.49

Net charge-offs to loans (%).................................... 0.89 0.80 0.81 0.77 0.62 0.59 0.54

Asset growth rate (%)............................................. -1.67 0.69 1.45 3.96 7.21 -0.43 2.02

Net interest margin................................................ 3.88 3.83 3.85 3.82 3.68 3.51 3.48

Net operating income growth (%).............................. 7.54 11.94 19.74 -9.27 20.32 -3.63 8.41

Number of institutions reporting.............................. 669 703 691 752 801 844 902

Percentage of unprofitable institutions (%).................. 6.73 6.97 6.66 11.44 8.49 9.24 12.75

Number of failed institutions.................................... 0 0 0 2 0 0 4

* Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30.

TABLE II-B. Aggregate Condition and Income Data, FDIC-Insured Savings Institutions

(dollar figures in millions)

Number of institutions reporting............................................. 669 673 703 -4.8

Total employees (full-time equivalent).................................... 122,894 120,491 122,874 0.0

CONDITION DATA

 Total assets..................................................................... $1,172,424 $1,169,201 $1,192,355 -1.7

 Loans secured by real estate.......................................... 465,162 463,231 472,800 -1.6

1-4 Family Residential................................................ 259,800 256,479 264,145 -1.6

Multifamily residential property....................................... 77,128 77,606 77,728 -0.8

Nonfarm nonresidential................................................ 105,020 106,211 107,998 -2.8

Construction, development, and land.............................. 23,214 22,935 22,929 1.2

 Commercial & industrial loans.......................................... 43,860 45,521 48,654 -9.9

 Loans to individuals......................................................... 144,155 141,499 141,504 1.9

 Other loans & leases...................................................... 27,393 25,219 20,744 32.1

 Less: Unearned income & contra accounts........................... 132 142 135 -2.0

 Total loans & leases......................................................... 680,437 675,328 683,567 -0.5

 Less: Reserve for losses................................................... 10,068 10,219 10,875 -7.4

 Net loans & leases............................................................ 670,369 665,108 672,692 -0.3

 Securities........................................................................ 382,832 377,185 388,834 -1.5

 Other real estate owned................................................... 372 376 446 -16.6

 Goodwill and other intangibles............................................. 12,100 12,294 12,997 -6.9

 All other assets............................................................... 106,751 114,237 117,386 -9.1

Total liabilities and capital................................................... 1,172,424 1,169,201 1,192,355 -1.7

 Deposits........................................................................ 928,735 924,330 942,070 -1.4

 Other borrowed funds...................................................... 96,131 96,676 106,481 -9.7

 Subordinated debt............................................................ 18 19 15 22.0

 All other liabilities............................................................ 17,729 18,623 15,702 12.9

 Equity capital.................................................................. 129,811 129,553 128,087 1.3

Loans and leases 30-89 days past due.................................... 6,334 5,557 5,560 13.9

Noncurrent loans and leases................................................ 10,731 10,090 10,245 4.7

Restructured loans and leases............................................. 2,951 3,080 3,188 -7.4

Mortgage-backed securities................................................ 292,136 275,246 274,850 6.3

Earning assets.................................................................. 1,109,717 1,106,631 1,127,490 -1.6

FHLB Advances............................................................... 80,164 80,904 88,440 -9.4

Unused loan commitments................................................... 629,003 617,836 611,635 2.8

INCOME DATA 

Total interest income............................................ $40,243 $37,362 7.7 $13,551 $13,140 3.1

Total interest expense......................................... 8,258 5,972 38.3 2,820 2,254 25.1

 Net interest income.......................................... 31,985 31,390 1.9 10,730 10,886 -1.4

Provision for loan and lease losses........................ 3,878 4,506 -13.9 1,307 1,578 -17.2

Total noninterest income.................................... 9,059 8,881 2.0 3,298 2,969 11.1

Total noninterest expense.................................... 21,966 21,606 1.7 7,403 7,335 0.9

Securities gains (losses)....................................... 336 132 153.6 178 24 627.2

Applicable income taxes..................................... 3,527 3,271 7.8 1,240 1,116 11.1

Extraordinary gains, net....................................... 1 N/M 100.6 3 -34 N/M

 Net income...................................................... 12,004 10,817 11.0 4,258 3,815 11.6

Net charge-offs................................................... 4,438 4,014 10.6 1,385 1,240 11.6

Cash dividends.................................................. 9,207 4,154 121.6 3,274 1,522 115.1

 Net operating income....................................... 11,737 10,914 7.5 4,113 3,832 7.3

N/M - Not Meaningful

2016 2015 2014

2019

2nd Quarter 3rd Quarter

2018

%Change

2019* 2018* 2018 2017

2018

3rd Quarter

18Q3-19Q3

%Change

2019 18Q3-19Q3

3rd Quarter

Qtrs 2019

First Three

Qtrs 2018

3rd Quarter

2019

First Three

%Change
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

FIRST THREE QUARTERS San

(The way it is...)

Number of institutions reporting........................... 669 138 393 121 17 302 53 161 45 72 36

Total assets (in billions).................................... $1,172.4 $8.0 $146.9 $316.3 $701.2 $404.2 $101.8 $104.9 $45.6 $154.0 $361.9

Total deposits (in billions)................................. 928.7 5.9 116.3 243.6 562.9 305.0 78.5 76.0 34.3 121.5 313.5

Net income (in millions).................................... 12,004.2 70.7 1,406.7 2,356.0 8,170.8 2,621.0 600.2 1,229.7 389.3 1,282.4 5,881.5

% of unprofitable institutions.............................. 6.7 22.5 3.3 0.8 0.0 3.6 9.4 11.8 11.1 2.8 8.3

% of institutions with earnings gains..................... 56.5 49.3 56.0 66.9 52.9 54.3 58.5 57.1 60.0 54.2 69.4

Performance ratios (annualized, %)

Yield on earning assets.................................... 4.88 4.32 4.33 4.32 5.23 4.19 3.69 4.42 4.51 5.11 5.97

Cost of funding earning assets........................... 1.00 1.00 1.00 1.06 0.98 1.18 0.97 1.34 0.99 0.72 0.84

Net interest margin.......................................... 3.88 3.32 3.33 3.27 4.25 3.01 2.72 3.08 3.51 4.40 5.13

Noninterest income to earning assets.................. 1.10 5.28 2.89 0.98 0.74 0.72 0.63 3.96 1.95 2.10 0.39

Noninterest expense to earning assets.................. 2.66 6.99 4.44 2.82 2.20 2.53 2.17 4.70 3.61 4.51 1.60

Loan and lease loss provision to assets............... 0.45 0.02 0.08 0.10 0.68 0.06 -0.01 0.17 0.25 0.50 1.07

Net operating income to assets........................... 1.35 1.12 1.25 0.98 1.53 0.81 0.84 1.60 1.21 1.09 2.12

Pretax return on assets.................................... 1.78 1.55 1.65 1.30 2.02 1.14 1.04 2.03 1.49 1.45 2.78

Return on assets............................................. 1.38 1.19 1.30 1.03 1.55 0.88 0.78 1.62 1.21 1.17 2.12

Return on equity............................................. 12.61 6.02 9.65 8.18 16.13 7.19 7.25 13.18 9.70 11.19 22.89

Net charge-offs to loans and leases..................... 0.89 0.04 0.07 0.10 1.68 0.06 0.00 0.27 0.27 0.78 3.85

Loan and lease loss provision to net charge-offs...... 87.39 81.09 160.20 138.58 84.52 132.33 825.38 82.43 132.18 106.17 82.73

Efficiency ratio................................................ 52.67 81.20 71.25 65.64 42.89 67.49 63.27 66.53 64.75 67.74 28.17

Condition Ratios (%)

Earning assets to total assets.............................. 94.65 92.77 93.40 93.16 95.61 92.94 94.32 93.58 93.44 92.43 98.07

Loss allowance to:

Loans and leases.......................................... 1.48 0.98 0.92 0.85 2.07 0.79 0.55 0.81 0.78 1.22 4.28

Noncurrent loans and leases........................... 93.82 84.77 120.65 127.63 85.26 140.95 7.74 75.76 124.94 39.74 273.29

Noncurrent assets plus

other real estate owned to assets..................... 0.95 0.94 0.64 0.51 1.21 0.46 3.15 0.87 0.52 1.90 0.55

Noncurrent RE loans to RE loans........................ 1.71 1.18 0.76 0.62 3.38 0.53 9.43 1.27 0.32 5.90 0.37

Equity capital ratio............................................. 11.07 19.97 13.67 12.53 9.76 12.41 10.80 12.17 12.39 10.22 9.53

Core capital (leverage) ratio.............................. 10.47 19.64 13.49 11.97 9.06 11.39 9.65 11.78 11.27 10.31 9.26

Common equity tier 1 capital ratio........................ 17.08 36.56 20.66 16.54 16.28 15.49 23.51 17.94 16.85 15.45 18.78

Tier 1 risk-based capital ratio.............................. 17.12 36.56 20.66 16.54 16.36 15.49 23.51 17.94 16.86 15.74 18.79

Total risk-based capital ratio.............................. 17.94 37.54 21.63 17.41 17.12 16.33 24.08 18.84 17.55 16.80 19.51

Gross real estate assets to gross assets............... 64.07 67.80 72.52 71.55 58.90 74.64 74.78 67.81 69.17 48.02 54.44

Gross 1-4 family mortgages to gross assets......... 21.97 48.49 40.94 31.52 13.41 28.81 25.26 44.60 36.94 17.18 7.13

Net loans and leases to deposits........................ 72.18 86.23 90.15 91.35 60.02 100.06 55.74 103.50 88.20 75.91 38.38

Structural Changes (YTD)

New reporters............................................. 0 0 0 0 0 0 0 0 0 0 0

Thrifts absorbed by mergers........................... 16 1 10 4 1 13 0 2 0 1 0

Failed Thrifts................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR FIRST THREE QUARTERS

 (The way it was...)

Number of institutions...............................2018 703 150 417 122 14 321 55 169 48 73 37

 ...............................................2016 811 192 488 115 16 353 70 212 56 82 38

 ...............................................2014 919 235 552 116 16 394 79 237 69 94 46

Total assets (in billions).............................2018 $1,192.4 $8.6 $156.3 $353.1 $674.3 $443.1 $99.7 $106.2 $42.9 $138.4 $362.1

 ................................................2016 1,129.9 10.9 179.2 313.4 626.4 433.9 84.5 112.6 59.0 122.8 317.1

 ................................................2014 1,069.0 13.7 196.8 291.4 567.1 470.4 85.9 110.0 61.5 107.4 233.7

Return on assets (%)................................2018 1.25 1.21 1.20 1.01 1.39 0.93 0.95 1.18 1.10 1.41 1.73

 ................................................2016 1.27 1.04 1.03 0.83 1.57 0.72 0.86 1.20 0.86 1.18 2.30

 ................................................2014 1.14 0.78 0.85 0.84 1.41 0.66 0.86 0.95 0.83 1.31 2.35

Net charge-offs to loans & leases (%) 

 ................................................2018 0.80 0.05 0.09 0.20 1.59 0.07 -0.09 0.48 0.29 0.79 3.64

 ................................................2016 0.60 0.10 0.08 0.10 1.15 0.08 0.02 0.29 0.11 0.81 2.24

 ................................................2014 0.55 0.17 0.16 0.17 0.95 0.12 0.39 0.37 0.14 0.73 1.95

Noncurrent assets plus 

OREO to assets (%) .....................2018 0.90 1.03 0.67 0.58 1.12 0.47 3.51 0.72 0.60 1.66 0.50

 ................................................2016 1.11 1.36 0.89 0.74 1.36 0.69 5.39 1.01 0.46 1.71 0.48

 .................................................2014 1.53 1.69 1.39 2.07 1.30 1.10 4.73 2.38 0.81 2.55 0.55

Equity capital ratio (%)..............................2018 10.74 18.79 13.24 12.05 9.37 11.90 10.61 11.84 12.33 10.57 8.90

 ................................................2016 10.98 17.03 12.67 11.85 9.96 11.92 9.71 12.09 11.07 10.36 9.87

 ................................................2014 11.82 15.95 12.60 12.51 11.09 12.16 12.44 12.70 11.58 10.87 10.99

All

Institutions

Than $100

Less

Million

Than $10

Billion

to 

$1 Billion

$1 Billion

New York

to

$10 Billion

$100 Million

Atlanta Chicago Dallas Francisco

Kansas

City

TABLE III-B. First Three Quarters 2019, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Region

Greater
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

THIRD QUARTER San

(The way it is...)

Number of institutions reporting........................... 669 138 393 121 17 302 53 161 45 72 36

Total assets (in billions).................................... $1,172.4 $8.0 $146.9 $316.3 $701.2 $404.2 $101.8 $104.9 $45.6 $154.0 $361.9

Total deposits (in billions)................................. 928.7 5.9 116.3 243.6 562.9 305.0 78.5 76.0 34.3 121.5 313.5

Net income (in millions).................................... 4,257.5 23.8 484.2 835.2 2,914.3 912.0 229.8 464.3 131.9 496.5 2,023.2

% of unprofitable institutions.............................. 6.9 21.7 3.8 0.8 0.0 3.6 9.4 13.7 6.7 2.8 8.3

% of institutions with earnings gains..................... 53.2 51.4 52.4 57.0 58.8 50.7 52.8 54.0 55.6 58.3 58.3

Performance Ratios (annualized, %)

Yield on earning assets.................................... 4.91 4.35 4.35 4.33 5.28 4.20 3.63 4.46 4.47 5.15 6.08

Cost of funding earning assets........................... 1.02 1.05 1.04 1.09 0.99 1.22 1.03 1.37 1.02 0.75 0.82

Net interest margin.......................................... 3.89 3.30 3.31 3.24 4.29 2.98 2.60 3.09 3.45 4.40 5.26

Noninterest income to earning assets.................. 1.19 5.32 2.98 1.04 0.85 0.78 0.72 4.22 1.77 2.35 0.42

Noninterest expense to earning assets.................. 2.68 6.99 4.46 2.78 2.23 2.50 2.12 4.80 3.43 4.68 1.57

Loan and lease loss provision to assets............... 0.45 0.01 0.08 0.06 0.70 0.05 -0.02 0.10 0.17 0.54 1.12

Net operating income to assets........................... 1.41 1.14 1.29 1.05 1.60 0.86 0.86 1.78 1.17 1.10 2.23

Pretax return on assets.................................... 1.89 1.57 1.67 1.37 2.16 1.18 1.22 2.25 1.51 1.64 2.90

Return on assets............................................. 1.46 1.19 1.32 1.07 1.66 0.91 0.91 1.79 1.18 1.32 2.23

Return on equity............................................. 13.18 5.98 9.72 8.51 17.04 7.34 8.23 14.70 9.49 12.69 23.49

Net charge-offs to loans and leases..................... 0.82 0.01 0.07 0.10 1.54 0.06 -0.01 0.14 0.35 0.73 3.60

Loan and lease loss provision to net charge-offs...... 94.42 130.00 168.75 79.35 94.05 101.82 327.98 96.05 71.49 122.03 90.81

Efficiency ratio................................................ 51.97 80.97 70.71 64.41 42.27 66.22 62.05 65.43 64.76 67.90 26.88

Structural Changes (QTR)

New reporters............................................. 0 0 0 0 0 0 0 0 0 0 0

Thrifts absorbed by mergers........................... 1 0 1 0 0 1 0 0 0 0 0

Failed Thrifts................................................ 0 0 0 0 0 0 0 0 0 0 0

PRIOR THIRD QUARTERS

 (The way it was...)

Return on assets (%)................................2018 1.30 1.10 1.22 1.11 1.41 0.98 1.02 1.39 1.10 1.28 1.77

 .................................................2016 1.20 1.09 1.10 0.88 1.40 0.76 0.94 1.28 0.91 1.24 1.91

 .................................................2014 1.16 0.86 0.90 0.81 1.44 0.66 0.95 0.96 0.72 1.33 2.42

Net charge-offs to loans & leases (%)

 .................................................2018 0.73 0.03 0.12 0.11 1.50 0.08 -0.16 0.17 0.40 0.78 3.36

 .................................................2016 0.61 0.12 0.08 0.07 1.21 0.09 0.01 0.24 0.10 0.77 2.40

 .................................................2014 0.49 0.18 0.13 0.14 0.87 0.11 0.22 0.30 0.14 0.68 1.82

Institutions Dallas

Greater

Than $10

Less $1 Billion

to

$100 Million

TABLE IV-B. THIRD Quarter 2019, FDIC-Insured Savings Institutions

Asset Size Distribution Geographic Region

All to

Billion New York

Than $100

Million $1 Billion $10 Billion Atlanta Chicago City Francisco

Kansas
Quarterly Banking Profile

Third Quarter 2019 All FDIC-Insured Institutions

September 30, 2019 San

Percent of Loans 30-89 Days Past Due

All loans secured by real estate........................... 0.77 1.29 0.51 0.25 1.45 0.27 2.78 0.59 0.34 3.49 0.17

Construction, development, and land.................. 0.49 0.45 0.59 0.22 1.07 0.45 0.60 0.12 0.16 1.23 0.32

Nonfarm nonresidential.................................... 0.25 0.98 0.38 0.20 0.21 0.23 0.14 0.46 0.25 0.36 0.08

Multifamily residential real estate........................ 0.07 0.60 0.21 0.07 0.04 0.05 0.03 0.13 0.91 0.12 0.01

Home equity loans.......................................... 0.38 0.47 0.57 0.33 0.32 0.40 0.54 0.30 0.34 0.45 0.10

Other 1-4 Family residential.............................. 1.30 1.47 0.58 0.32 2.82 0.39 3.77 0.71 0.34 5.83 0.21

Commercial and industrial loans........................... 0.45 1.69 0.59 0.46 0.39 0.27 0.83 0.58 0.50 0.85 0.76

Loans to individuals............................................. 1.70 1.37 1.16 0.59 1.78 0.83 0.72 0.98 0.91 0.58 2.45

Credit card loans.......................................... 2.22 0.00 2.93 0.92 2.23 1.29 0.91 1.28 3.42 0.76 2.60

Other loans to individuals................................. 0.61 1.38 1.00 0.55 0.58 0.82 0.72 0.89 0.55 0.44 0.71

Total loans and leases....................................... 0.93 1.29 0.53 0.29 1.47 0.28 2.20 0.60 0.39 1.91 1.70

Percent of Loans Noncurrent*

All real estate loans............................................. 1.71 1.18 0.76 0.62 3.38 0.53 9.43 1.27 0.32 5.90 0.37

Construction, development, and land.................. 0.41 0.28 0.40 0.51 0.18 0.46 0.20 0.26 0.10 0.65 0.19

Nonfarm nonresidential.................................... 0.53 1.17 0.85 0.53 0.30 0.56 0.72 0.56 0.18 0.45 0.20

Multifamily residential real estate........................ 0.15 1.42 0.25 0.20 0.11 0.12 1.50 0.19 0.09 0.32 0.03

Home equity loans.......................................... 0.93 1.22 0.90 0.58 1.21 0.61 2.09 0.37 0.62 1.84 0.83

Other 1-4 Family residential.............................. 2.93 1.25 0.81 0.80 6.72 0.76 12.71 1.61 0.34 9.94 0.43

Commercial and industrial loans........................... 1.01 0.95 1.00 1.29 0.67 0.95 1.68 0.49 3.21 0.65 0.55

Loans to individuals............................................. 1.54 0.61 0.51 0.35 1.64 0.43 0.60 0.74 0.59 0.74 2.16

Credit card loans.......................................... 2.12 0.00 1.61 0.52 2.14 1.16 0.62 1.22 1.71 1.34 2.34

Other loans to individuals................................. 0.34 0.61 0.41 0.33 0.33 0.42 0.60 0.60 0.42 0.26 0.20

Total loans and leases....................................... 1.58 1.15 0.76 0.66 2.43 0.56 7.14 1.07 0.63 3.06 1.57

Percent of Loans Charged-Off (net, YTD)

All real estate loans............................................. 0.00 0.02 0.01 0.00 -0.02 0.01 -0.09 -0.03 -0.02 0.01 -0.01

Construction, development, and land.................. 0.01 0.14 -0.04 0.00 0.11 0.04 -0.03 0.00 -0.33 0.08 -0.01

Nonfarm nonresidential.................................... 0.00 -0.08 0.03 0.00 -0.02 0.01 0.00 -0.04 -0.01 -0.04 -0.01

Multifamily residential real estate........................ 0.00 -0.22 -0.01 -0.01 0.01 0.00 -0.02 -0.01 0.00 0.03 0.00

Home equity loans.......................................... -0.08 0.29 0.00 0.01 -0.20 0.02 -0.67 -0.09 -0.25 0.11 0.01

Other 1-4 Family residential.............................. 0.00 0.02 0.01 0.01 -0.03 0.01 -0.04 -0.02 -0.01 0.01 -0.02

Commercial and industrial loans........................... 0.53 0.67 0.10 0.40 0.81 0.37 0.23 1.52 0.48 0.17 1.33

Loans to individuals............................................. 3.96 0.24 1.45 1.24 4.17 0.60 0.37 1.54 4.20 1.60 5.72

Credit card loans.......................................... 5.40 -0.39 10.98 1.55 5.41 2.57 3.49 4.21 18.70 2.68 6.09

Other loans to individuals................................. 0.87 0.24 0.60 1.22 0.84 0.55 0.34 0.77 2.79 0.73 1.39

Total loans and leases....................................... 0.89 0.04 0.07 0.10 1.68 0.06 0.00 0.27 0.27 0.78 3.85

Loans Outstanding (in billions)

All real estate loans............................................. $465.2 $4.8 $94.8 $188.5 $177.0 $269.6 $32.3 $60.0 $24.2 $42.3 $36.8

Construction, development, and land.................. 23.2 0.2 5.8 12.4 4.7 13.6 0.9 2.8 1.4 3.0 1.6

Nonfarm nonresidential.................................... 103.0 0.4 21.0 50.8 30.7 74.2 4.1 6.4 4.2 10.0 4.1

Multifamily residential real estate........................ 77.1 0.2 6.2 24.4 46.4 64.3 1.4 3.2 1.2 2.1 4.9

Home equity loans.......................................... 22.2 0.2 4.3 7.8 9.9 9.8 2.7 4.2 0.5 2.9 2.1

Other 1-4 Family residential.............................. 237.6 3.7 56.2 92.5 85.1 107.3 23.1 42.9 16.5 23.8 24.1

Commercial and industrial loans........................... 43.9 0.1 5.8 20.7 17.3 26.2 1.1 3.3 3.0 6.0 4.3

Loans to individuals............................................. 144.2 0.1 3.7 7.4 132.9 7.1 0.5 8.8 1.8 42.7 83.2

Credit card loans.......................................... 97.5 0.0 0.3 0.7 96.5 0.1 0.0 2.0 0.2 18.7 76.4

Other loans to individuals................................. 46.7 0.1 3.4 6.7 36.4 7.0 0.5 6.8 1.5 24.0 6.8

Total loans and leases (plus unearned income)......... 680.6 5.2 105.8 224.5 345.0 307.6 44.0 79.3 30.5 93.3 125.7

Memo: Other Real Estate Owned (in millions)

All other real estate owned................................. $371.9 $15.8 $124.6 $116.2 $115.3 $116.3 $63.1 $57.7 $47.6 $67.8 $19.5

Construction, development, and land.................. 78.8 4.4 47.7 15.0 11.6 31.1 6.8 13.2 10.8 15.1 1.8

Nonfarm nonresidential.................................... 93.1 3.9 33.0 45.4 10.8 26.1 2.6 12.8 30.6 20.3 0.6

Multifamily residential real estate........................ 3.9 0.1 1.8 2.0 0.0 3.5 0.0 0.3 0.0 0.1 0.0

1-4 Family residential.................................... 196.2 7.4 42.1 53.7 92.9 55.6 53.6 31.4 6.3 32.3 17.0

Troubled Real Estate Asset Rates**

(% of total RE assets)

All real estate loans............................................. 1.79 1.50 0.90 0.69 3.45 0.58 9.61 1.36 0.51 6.05 0.42

Construction, development, and land.................. 0.75 2.21 1.21 0.63 0.42 0.68 0.99 0.72 0.89 1.15 0.30

Nonfarm nonresidential.................................... 0.63 1.73 1.01 0.63 0.34 0.60 0.79 0.80 0.99 0.72 0.24

Multifamily residential real estate........................ 0.16 1.47 0.28 0.21 0.11 0.13 1.50 0.20 0.09 0.32 0.03

1-4 family residential....................................... 2.83 1.43 0.88 0.83 6.24 0.80 11.77 1.56 0.38 9.17 0.53

* 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.

** Noncurrent real estate loans plus other real estate owned as a percent of total real estate loans plus OREO.

TABLE V-B. Loan Performance, FDIC-Insured Savings Institutions

Greater

Asset Size Distribution

Institutions

All

Less

Than $100

Million $1 Billion

to

$100 Million $1 Billion

to

$10 Billion Chicago

Than $10

Billion New York Francisco

Geographic Region

Kansas

Atlanta City Dallas