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32. 1997 Economic Census





803. Insured Commercial Banks--Delinquency Rates and Charge-Off Rates on Loans

[In percent. Annual averages. Delinquent loans are those past due 30 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. 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]

 
Type of loan 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999
 
DELINQUENCY RATES
 
    Total loans 4.80 4.76 5.36 4.93 4.94 5.34 6.01 5.23 3.97 2.78 2.48 2.41 2.27 2.19 2.13
Real estate (NA) (NA) 5.00 4.88 5.07 6.26 7.51 6.58 5.07 3.59 2.99 2.71 2.40 2.19 1.93
  Residential 1 (NA) (NA) (NA) (NA) (NA) (NA) 3.32 3.11 2.71 2.29 2.20 2.31 2.32 2.16 1.98
  Commercial 2 (NA) (NA) (NA) (NA) (NA) (NA) 12.10 10.74 8.12 5.37 4.05 3.22 2.45 2.10 1.73
Consumer (NA) (NA) 3.42 3.35 3.59 3.82 4.19 3.78 3.27 2.78 3.09 3.53 3.73 3.73 3.61
  Credit cards (NA) (NA) (NA) (NA) (NA) (NA) 5.36 5.00 4.26 3.35 3.74 4.34 4.70 4.71 4.55
  Other (NA) (NA) (NA) (NA) (NA) (NA) 3.57 3.13 2.73 2.44 2.68 3.00 3.09 3.13 3.08
Leases (NA) (NA) 2.19 1.66 1.81 2.06 2.55 2.17 1.47 0.97 0.83 1.10 1.12 1.07 1.30
Commercial and industrial (NA) (NA) 6.20 5.14 4.91 5.24 5.85 4.97 3.51 2.23 1.94 1.88 1.67 1.69 1.91
Agricultural (NA) (NA) 11.16 8.29 6.36 5.35 4.71 4.45 3.60 2.84 2.71 3.20 2.74 2.76 3.03
 
CHARGE-OFF RATES
 
    Total loans 0.85 1.01 0.94 1.06 1.17 1.44 1.61 1.30 0.85 0.51 0.49 0.58 0.63 0.64 0.60
Real estate 0.29 0.43 0.47 0.49 0.53 0.83 1.06 1.11 0.68 0.34 0.19 0.10 0.06 0.05 0.08
  Residential 1 (NA) (NA) (NA) (NA) (NA) (NA) 0.20 0.24 0.21 0.16 0.12 0.10 0.09 0.08 0.12
  Commercial 2 (NA) (NA) (NA) (NA) (NA) (NA) 1.95 2.11 1.29 0.62 0.32 0.11 0.01 0.01 0.03
Consumer 1.12 1.51 1.52 1.52 1.61 1.83 2.33 2.23 1.73 1.45 1.75 2.31 2.73 2.61 2.27
  Credit cards 2.51 3.33 3.33 3.20 3.17 3.48 4.63 4.68 3.74 3.07 3.47 4.46 5.31 5.19 4.47
  Other 0.67 0.84 0.81 0.79 0.89 1.04 1.14 0.93 0.63 0.51 0.65 0.89 1.03 1.01 1.02
Leases 0.73 0.70 0.80 0.45 0.51 0.66 0.79 0.67 0.37 0.10 0.13 0.24 0.27 0.29 0.31
Commercial and industrial 1.29 1.42 1.13 1.07 1.04 1.30 1.71 1.29 0.68 0.24 0.22 0.24 0.26 0.39 0.55
Agricultural 3.89 4.28 2.22 0.41 0.34 0.16 0.59 0.34 0.19 0.28 0.11 0.24 0.16 0.22 0.35


NA Not available.
1 Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit.
2 Commercial real estate loans include construction and land development loans, loans secured by multifamily residences, and loans secured by nonfarm, nonresidential real estate.

Source: Federal Financial Institutions Examination Council (FFIEC), Consolidated Reports of Condition and Income (FFIEC 031 through 034).

http://www.federalreserve.gov/rnd.htm



https://allcountries.org/uscensus/803_insured_commercial_banks_delinquency_rates_and.html

These tables are based on figures supplied by the United States Census Bureau, U.S. Department of Commerce and are subject to revision by the Census Bureau.

Copyright © 2006 Photius Coutsoukis and Information Technology Associates, all rights reserved.