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 Home Economic Research & Data Statistical Releases and Historical Data
 DDP Print
 Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks Release
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 Charge-Off Rates All Banks, NSA Real estate loansConsumer loansLeasesC&I loansAgricultural loansTotal loans and leasesAllBooked in domestic officesAllCredit cardsOtherResidential 1Commercial 2Farmland2023:40.130.000.260.042.684.071.290.250.450.150.632023:30.06-0.010.12-0.012.213.490.990.140.390.050.492023:20.090.010.170.002.093.380.910.120.31-0.000.462023:10.03-0.010.070.021.863.020.830.080.250.120.392022:40.01-0.020.04-0.011.652.420.980.120.250.010.352022:3-0.01-0.030.010.011.211.940.610.050.16-0.000.252022:2-0.01-0.030.00-0.021.101.970.410.070.140.030.222022:1-0.01-0.020.000.041.051.820.450.250.110.070.222021:40.01-0.020.030.060.911.570.400.130.130.030.202021:3-0.01-0.050.040.020.891.670.290.030.15-0.000.192021:20.00-0.050.05-0.001.242.540.250.180.210.100.262021:10.01-0.030.050.011.612.950.560.270.260.050.332020:40.07-0.020.150.051.502.580.610.520.470.260.412020:30.06-0.010.130.041.823.340.550.780.490.370.462020:20.04-0.010.070.082.304.010.810.530.600.200.552020:10.00-0.020.020.052.393.890.950.240.500.180.532019:40.020.010.030.112.303.651.000.290.420.280.522019:3-0.01-0.040.020.062.203.490.950.150.410.180.482019:2-0.01-0.030.020.042.283.830.800.200.320.260.472019:10.020.010.030.092.353.830.900.190.270.200.472018:40.010.000.020.102.263.570.970.190.320.200.482018:30.00-0.020.020.052.143.460.850.150.240.360.432018:2-0.00-0.020.010.032.233.740.780.190.280.240.452018:10.020.03-0.00-0.012.323.800.900.130.260.140.472017:40.030.020.040.072.263.630.940.200.430.280.522017:30.030.040.020.012.083.370.880.160.320.180.442017:20.020.030.010.062.113.640.710.180.370.230.452017:10.040.070.000.042.283.591.070.130.300.130.472016:40.050.070.030.052.153.450.950.190.490.380.512016:30.050.10-0.010.011.772.860.770.220.420.140.432016:20.060.100.010.031.813.130.630.230.440.140.442016:10.070.14-0.010.011.903.160.750.320.380.190.442015:40.140.210.050.031.812.910.800.230.370.080.472015:30.090.140.030.011.662.760.660.180.240.040.392015:20.120.200.040.001.743.030.580.130.210.060.402015:10.170.280.020.001.803.030.670.160.150.020.422014:40.180.270.080.041.862.980.820.110.260.070.482014:30.180.260.05-0.001.792.890.760.130.200.020.452014:20.190.260.090.102.003.450.650.060.200.020.492014:10.230.360.060.032.043.320.830.020.200.040.522013:40.350.490.190.112.133.330.950.030.290.080.612013:30.370.480.200.022.033.190.880.020.270.100.612013:20.540.730.300.032.173.620.720.170.300.010.712013:10.670.900.350.132.343.780.890.380.33-0.010.832012:40.891.070.670.272.483.781.130.170.390.330.992012:31.281.740.670.282.413.741.030.350.490.231.202012:21.021.230.760.332.584.150.950.220.520.281.112012:11.101.390.750.202.674.291.000.110.510.141.172011:41.341.391.350.362.984.531.330.320.760.211.432011:31.381.511.290.323.525.631.260.180.760.131.532011:21.541.671.440.343.515.581.300.130.820.261.652011:11.581.711.510.364.466.961.700.191.050.371.922010:42.131.982.510.474.907.701.940.731.470.872.392010:32.041.902.380.405.288.551.810.541.730.692.492010:22.162.132.370.446.7010.972.050.721.760.512.832010:12.272.442.100.416.7010.502.390.881.871.012.922009:42.902.783.270.545.7410.193.031.442.650.613.142009:32.402.422.540.345.7410.103.071.392.540.512.822009:22.232.312.270.275.669.773.101.532.310.402.642009:11.551.811.320.214.827.622.980.801.710.412.002008:41.861.642.260.214.296.303.030.811.550.322.052008:31.451.821.110.083.625.802.370.550.980.161.512008:21.041.170.940.053.275.472.020.490.790.121.242008:10.660.850.460.032.984.701.950.310.610.070.952007:40.440.470.430.042.844.182.030.370.820.180.862007:30.210.250.160.042.413.951.470.290.420.080.572007:20.150.180.12-0.002.283.851.350.140.400.080.502007:10.110.150.06-0.032.353.931.380.150.310.050.472006:40.130.130.130.092.213.621.330.290.440.210.492006:30.070.100.040.012.163.871.080.090.270.080.422006:20.060.080.040.051.873.520.870.090.250.050.372006:10.060.090.020.011.773.120.920.190.180.070.342005:40.070.090.050.013.206.051.350.770.420.060.642005:30.060.070.050.032.954.332.041.040.190.030.572005:20.060.070.050.102.324.351.000.200.220.120.452005:10.060.080.040.022.504.601.110.320.220.050.492004:40.100.100.090.092.814.701.600.510.520.130.622004:30.080.090.060.032.444.401.190.360.400.150.532004:20.090.100.070.052.665.381.160.370.530.210.582004:10.100.120.060.012.745.381.280.430.670.250.652003:40.260.350.130.143.056.071.450.671.100.480.902003:30.140.120.150.092.695.401.360.791.170.340.792003:20.150.150.130.062.916.071.360.981.310.250.862003:10.120.140.090.042.875.771.411.001.380.270.882002:40.180.160.200.173.015.631.611.631.760.561.062002:30.150.150.140.062.995.941.460.862.030.451.092002:20.140.160.120.072.976.271.251.021.760.391.052002:10.150.150.140.093.667.801.450.801.440.321.082001:40.220.210.210.203.336.431.650.852.370.391.292001:30.300.450.120.062.685.321.270.791.290.980.952001:20.130.160.080.112.505.241.050.531.160.400.812001:10.110.130.090.122.404.701.120.460.870.530.712000:40.120.150.080.172.844.431.820.381.230.440.912000:30.090.110.050.092.114.100.890.300.660.330.602000:20.080.100.040.032.034.080.810.290.660.170.572000:10.070.100.03-0.152.284.600.980.270.500.120.561999:40.110.140.050.102.334.531.150.400.760.380.701999:30.090.130.030.062.194.381.040.270.510.330.571999:20.060.100.020.042.024.290.810.310.510.360.541999:10.050.080.01-0.002.444.990.970.280.410.190.601998:40.080.080.050.062.645.131.130.270.590.470.701998:30.050.070.01-0.002.505.170.920.280.370.230.691998:20.030.07-0.030.042.545.190.890.280.330.150.601998:10.040.07-0.00-0.012.665.301.000.280.270.030.611997:40.080.100.040.222.835.451.120.390.360.320.681997:30.060.080.010.042.725.400.960.200.320.140.651997:20.060.090.00-0.002.685.380.910.250.220.190.621997:10.040.07-0.02-0.012.574.940.970.240.160.070.591996:40.100.100.090.072.534.701.050.270.270.370.651996:30.090.080.110.032.284.390.880.330.210.270.571996:20.110.090.130.032.214.480.760.220.270.280.571996:10.100.090.11-0.012.134.210.770.160.230.190.561995:40.180.130.290.082.103.980.870.200.370.370.631995:30.150.110.220.111.773.600.640.070.300.140.521995:20.250.120.470.051.603.300.550.220.120.150.451995:10.130.090.20-0.001.422.920.510.020.13-0.010.391994:40.350.180.650.111.563.120.630.150.320.380.561994:30.260.120.480.051.362.910.470.140.180.150.431994:20.360.170.660.011.403.050.460.070.300.120.581994:10.320.130.600.011.483.300.450.040.220.120.491993:40.610.211.170.221.673.380.700.370.770.320.921993:30.600.191.160.141.663.600.600.340.640.060.761993:20.740.241.410.071.784.000.580.330.810.200.901993:10.630.161.220.041.834.100.630.470.680.100.861992:41.250.302.430.232.224.520.980.831.410.331.421992:31.190.262.420.322.004.240.820.531.360.361.321992:20.920.201.640.232.234.860.850.621.260.281.211992:10.840.151.580.152.374.901.010.721.420.181.251991:41.370.242.620.272.464.641.290.872.480.721.871991:31.000.201.880.402.284.711.010.771.890.431.661991:20.910.171.690.252.284.681.050.661.780.301.711991:10.720.151.240.122.184.171.180.901.090.161.201990:41.18n.a.n.a.n.a.2.143.831.320.701.760.381.661990:30.77n.a.n.a.n.a.1.733.460.910.641.220.191.161990:20.70n.a.n.a.n.a.1.683.260.940.531.380.241.651990:10.54n.a.n.a.n.a.1.623.100.930.781.03-0.051.301989:40.71n.a.n.a.n.a.1.803.241.110.721.920.581.911989:30.52n.a.n.a.n.a.1.453.000.750.410.860.180.971989:20.43n.a.n.a.n.a.1.513.200.770.440.870.421.051989:10.35n.a.n.a.n.a.1.543.150.830.500.660.150.761988:40.51n.a.n.a.n.a.1.623.140.950.511.300.641.211988:30.42n.a.n.a.n.a.1.433.130.730.360.970.371.011988:20.60n.a.n.a.n.a.1.433.260.690.521.320.601.151988:10.34n.a.n.a.n.a.1.423.210.670.440.830.430.891987:40.62n.a.n.a.n.a.1.663.231.020.931.582.211.341987:30.43n.a.n.a.n.a.1.353.100.690.661.050.910.861987:20.38n.a.n.a.n.a.1.433.350.710.691.171.820.871987:10.35n.a.n.a.n.a.1.423.510.650.980.892.440.781986:40.63n.a.n.a.n.a.1.673.401.020.872.045.331.411986:30.42n.a.n.a.n.a.1.413.340.720.711.512.961.071986:20.36n.a.n.a.n.a.1.383.190.740.641.414.221.041986:10.22n.a.n.a.n.a.1.303.200.650.471.012.830.801985:40.46n.a.n.a.n.a.1.442.910.950.992.016.551.381985:30.24n.a.n.a.n.a.1.092.620.600.821.372.680.901985:20.22n.a.n.a.n.a.0.942.250.530.661.153.180.821985:10.17n.a.n.a.n.a.0.791.950.440.370.892.060.63 1. Residential real estate loans include loans secured
	by one- to four-family properties, including home
	equity lines of credit.
	Return to table 2. Commercial real estate loans include construction
	and land development loans, loans secured by
	multifamily residences, and loans secured by nonfarm,
	nonresidential real estate.
	Return to table SASeasonally adjusted.NSANot seasonally adjusted.C&ICommercial and industrial.n.a.Not available. Source. Federal Financial Institutions Examination Council
	(FFIEC) Consolidated Reports of Condition and Income
	(1985-2000: FFIEC 031 through 034; 2001-: FFIEC 031 &
	041).
 Notes Charge-offs, which are the value of loans removed from the
	books and charged against loss reserves, are measured net of
	recoveries as a percentage of average loans and annualized. Delinquent loans are those past due thirty days or more
	and still accruing interest as well as those in nonaccrual
	status. They are measured as a percentage of end-of-period
	loans. Banks are insured U.S.-chartered commercial banks. Size, where used, is measured by consolidated assets adjusted
	for mergers; where used, "other" banks are those smaller than
	the 100 largest.
 Special Note The adoption by some banks of FAS 159, The Fair
	  Value Option for Financial Assets and Financial
	  Liabilities, affected charge-off and delinquency
	  rate data for 2008:1.  Because the effects of
	  the accounting change on the dollar volume of
	  loans reported on banks' loan books were small,
	  the effects of the accounting change on banks'
	  charge-off and delinquency rates were presumably
	  small for the industry as a whole.  Information
	  on the dollar impacts on banks' loan books
	  can be found on page 14 in the "Notes on the
	  Data" section beginning with the April 11, H.8,
	  Assets and Liabilities of Commercial Bank in
	  the United States, statistical release.  For
	  more information on FAS 159, please refer to
	  www.fasb.org/st/summary/stsum159.shtml.
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