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32. 1997 Economic Census
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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 stillaccruing 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]
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Type of loan
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1985
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1986
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1987
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1988
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1989
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1990
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1991
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1992
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1993
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1994
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1995
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1996
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1997
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1998
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1999
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DELINQUENCY RATES
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Total loans
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4.80
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4.76
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5.36
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4.93
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4.94
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5.34
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6.01
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5.23
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3.97
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2.78
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2.48
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2.41
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2.27
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2.19
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2.13
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Real estate
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(NA)
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(NA)
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5.00
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4.88
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5.07
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6.26
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7.51
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6.58
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5.07
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3.59
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2.99
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2.71
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2.40
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2.19
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1.93
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Residential 1
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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3.32
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3.11
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2.71
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2.29
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2.20
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2.31
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2.32
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2.16
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1.98
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Commercial 2
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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12.10
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10.74
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8.12
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5.37
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4.05
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3.22
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2.45
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2.10
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1.73
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Consumer
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(NA)
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(NA)
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3.42
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3.35
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3.59
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3.82
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4.19
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3.78
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3.27
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2.78
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3.09
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3.53
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3.73
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3.73
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3.61
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Credit cards
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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5.36
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5.00
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4.26
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3.35
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3.74
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4.34
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4.70
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4.71
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4.55
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Other
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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3.57
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3.13
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2.73
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2.44
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2.68
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3.00
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3.09
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3.13
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3.08
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Leases
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(NA)
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(NA)
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2.19
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1.66
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1.81
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2.06
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2.55
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2.17
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1.47
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0.97
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0.83
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1.10
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1.12
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1.07
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1.30
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Commercial and industrial
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(NA)
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(NA)
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6.20
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5.14
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4.91
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5.24
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5.85
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4.97
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3.51
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2.23
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1.94
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1.88
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1.67
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1.69
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1.91
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Agricultural
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(NA)
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(NA)
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11.16
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8.29
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6.36
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5.35
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4.71
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4.45
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3.60
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2.84
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2.71
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3.20
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2.74
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2.76
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3.03
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CHARGE-OFF RATES
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Total loans
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0.85
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1.01
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0.94
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1.06
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1.17
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1.44
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1.61
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1.30
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0.85
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0.51
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0.49
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0.58
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0.63
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0.64
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0.60
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Real estate
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0.29
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0.43
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0.47
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0.49
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0.53
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0.83
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1.06
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1.11
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0.68
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0.34
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0.19
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0.10
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0.06
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0.05
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0.08
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Residential 1
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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0.20
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0.24
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0.21
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0.16
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0.12
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0.10
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0.09
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0.08
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0.12
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Commercial 2
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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1.95
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2.11
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1.29
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0.62
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0.32
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0.11
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0.01
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0.01
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0.03
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Consumer
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1.12
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1.51
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1.52
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1.52
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1.61
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1.83
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2.33
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2.23
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1.73
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1.45
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1.75
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2.31
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2.73
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2.61
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2.27
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Credit cards
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2.51
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3.33
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3.33
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3.20
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3.17
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3.48
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4.63
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4.68
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3.74
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3.07
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3.47
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4.46
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5.31
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5.19
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4.47
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Other
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0.67
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0.84
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0.81
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0.79
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0.89
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1.04
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1.14
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0.93
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0.63
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0.51
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0.65
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0.89
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1.03
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1.01
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1.02
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Leases
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0.73
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0.70
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0.80
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0.45
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0.51
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0.66
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0.79
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0.67
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0.37
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0.10
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0.13
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0.24
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0.27
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0.29
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0.31
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Commercial and industrial
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1.29
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1.42
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1.13
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1.07
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1.04
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1.30
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1.71
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1.29
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0.68
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0.24
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0.22
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0.24
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0.26
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0.39
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0.55
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Agricultural
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3.89
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4.28
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2.22
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0.41
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0.34
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0.16
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0.59
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0.34
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0.19
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0.28
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0.11
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0.24
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0.16
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0.22
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0.35
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NA Not available.
1 Residential real estate loans include loans secured by one- tofour-family properties, including home equity lines of credit.
2 Commercial real estate loans include construction and landdevelopment loans, loans secured by multifamily residences, andloans 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 © 2019 Photius Coutsoukis and Information Technology Associates, all rights reserved.
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