Federal Reserve Bulletin

Profits and Balance Sheet Developments at U.S. Commercial Banks in 2005

Figure A. Delinquency rates on loans at hurricane-affected banks, 2000-05. Data plotted as curves. At hurricane-affected banks, the delinquency rates on real estate loans and on C&I loans both begin in 2000 at about 2 percent, rise to about 2.5 percent by late 2001, and drift down to about 1.5 percent by mid-2005. The rate for C&I loans spikes to about 5.2 percent in late 2005, and falls to about 2.2 percent by year-end 2005. The rate for real estate loans spikes to about 3 percent in late 2005, and then falls to about 2 percent by year-end 2005. The delinquency rate on consumer loans generally drifts down from about 3.1 percent at the beginning of 2000 to about 2.5 percent in mid-2005, spikes to about 4 percent in late 2005, and falls to about 3 percent by the end of 2005.

Note: The data are quarterly and seasonally adjusted. For definition of delinquencies, refer to the note for figure 24 of the main text. For definition of "hurricane-affected banks" refer to footnote 2 in this box.  Return to article