FRB: Charge-Off and Delinquency Rates; title with logo links to Statistical Release home page

Charge-off and Delinquency Rates

Charge-off and delinquency rates: Main index
Try Data Download now image link to Data Download application

Charge-Off Rates

100 Largest Banks, NSA

 Real estate loansConsumer loansLeasesC&I loansAgricultural loansTotal loans and leases
AllResidential 1 Commercial 2 AllCredit cardsOther
1985:10.22 n.a. n.a. 1.14 2.14 0.54 0.29 0.76 1.88 0.59 
1985:20.23 n.a. n.a. 1.34 2.43 0.67 0.60 0.86 3.28 0.72 
1985:30.22 n.a. n.a. 1.48 2.86 0.70 0.80 1.12 3.17 0.82 
1985:40.27 n.a. n.a. 1.80 3.18 1.03 0.93 1.35 5.92 1.02 
1986:10.23 n.a. n.a. 1.93 3.55 0.92 0.54 0.89 2.10 0.78 
1986:20.39 n.a. n.a. 1.86 3.39 0.93 0.52 1.19 6.01 0.97 
1986:30.47 n.a. n.a. 1.85 3.63 0.79 0.60 1.13 3.11 0.98 
1986:40.52 n.a. n.a. 1.88 3.43 0.94 0.77 1.41 1.57 1.03 
1987:10.44 n.a. n.a. 1.88 3.68 0.81 1.02 0.75 6.30 0.77 
1987:20.41 n.a. n.a. 1.79 3.50 0.81 0.68 0.95 1.90 0.80 
1987:30.46 n.a. n.a. 1.66 3.25 0.76 0.57 0.81 -2.34 0.79 
1987:40.71 n.a. n.a. 1.97 3.57 1.05 0.78 1.12 3.19 1.30 
1988:10.41 n.a. n.a. 1.75 3.41 0.81 0.40 0.84 0.09 1.04 
1988:20.74 n.a. n.a. 1.72 3.51 0.79 0.46 1.17 0.34 1.26 
1988:30.51 n.a. n.a. 1.80 3.42 0.83 0.32 0.78 -0.42 1.16 
1988:40.49 n.a. n.a. 1.98 3.57 0.97 0.43 0.96 -0.50 1.30 
1989:10.40 n.a. n.a. 2.00 3.20 1.18 0.50 0.61 0.00 0.86 
1989:20.51 n.a. n.a. 1.84 3.29 0.86 0.37 0.73 0.67 1.31 
1989:30.65 n.a. n.a. 1.81 3.16 0.89 0.34 0.65 -0.49 1.13 
1989:40.85 n.a. n.a. 2.05 3.27 1.21 0.61 1.97 0.17 2.53 
1990:10.82 n.a. n.a. 2.04 3.13 1.30 0.86 1.12 -0.96 1.81 
1990:20.92 n.a. n.a. 2.10 3.28 1.32 0.48 1.42 -0.33 2.30 
1990:31.03 n.a. n.a. 2.16 3.86 1.02 0.67 1.03 -0.31 1.30 
1990:41.57 n.a. n.a. 2.49 3.79 1.69 0.58 1.45 0.31 1.84 
1991:11.08 0.13 1.93 2.67 4.38 1.60 0.89 0.96 0.54 1.41 
1991:21.37 0.12 2.64 2.84 5.02 1.29 0.63 1.87 0.83 2.27 
1991:31.63 0.18 3.20 2.89 5.36 1.22 0.78 2.04 0.95 2.19 
1991:42.04 0.18 4.04 2.96 5.20 1.49 0.72 2.30 0.24 2.11 
1992:11.46 0.17 2.82 3.02 5.22 1.39 0.74 1.60 0.24 1.59 
1992:21.55 0.23 2.79 2.97 5.57 1.13 0.61 1.26 -0.08 1.50 
1992:32.09 0.40 4.46 2.68 5.22 1.07 0.50 1.21 0.70 1.65 
1992:41.93 0.36 3.95 2.63 4.65 1.29 0.86 1.25 0.37 1.63 
1993:11.10 0.20 2.28 2.33 4.56 0.89 0.51 0.71 0.15 1.09 
1993:21.21 0.34 2.49 2.24 4.28 0.81 0.36 0.87 0.15 1.11 
1993:30.94 0.25 1.96 2.11 3.90 0.80 0.30 0.69 0.00 0.92 
1993:40.90 0.26 1.88 2.04 3.60 0.87 0.39 0.63 0.39 1.07 
1994:10.57 0.20 1.20 1.88 3.60 0.64 0.00 0.24 0.31 0.60 
1994:20.58 0.26 1.21 1.79 3.29 0.67 0.04 0.22 0.14 0.71 
1994:30.38 0.17 0.78 1.69 3.09 0.67 0.13 0.13 0.20 0.46 
1994:40.51 0.24 1.06 1.95 3.37 0.80 0.14 0.20 1.14 0.59 
1995:10.19 0.14 0.29 1.75 3.03 0.68 0.00 0.15 -0.29 0.43 
1995:20.26 0.17 0.48 1.89 3.38 0.70 0.22 0.03 0.14 0.41 
1995:30.19 0.15 0.29 2.13 3.78 0.84 0.03 0.33 -0.20 0.56 
1995:40.21 0.18 0.33 2.30 3.82 1.05 0.16 0.27 0.21 0.59 
1996:10.16 0.14 0.20 2.46 4.28 0.99 0.14 0.25 0.00 0.61 
1996:20.13 0.13 0.15 2.42 4.54 0.89 0.16 0.23 0.12 0.58 
1996:30.12 0.10 0.15 2.48 4.31 1.06 0.29 0.15 0.11 0.56 
1996:40.08 0.12 -0.00 2.63 4.39 1.21 0.23 0.12 0.05 0.58 
1997:10.03 0.09 -0.11 2.73 4.67 1.15 0.21 0.13 -0.05 0.59 
1997:20.06 0.12 -0.05 2.92 5.15 1.08 0.22 0.17 0.18 0.65 
1997:30.07 0.09 -0.01 2.81 4.98 1.10 0.18 0.30 0.09 0.67 
1997:40.08 0.11 -0.01 2.90 4.91 1.33 0.35 0.29 0.34 0.66 
1998:10.06 0.09 -0.02 2.87 5.01 1.19 0.26 0.29 0.04 0.67 
1998:20.02 0.08 -0.09 2.77 4.79 1.09 0.24 0.30 -0.04 0.64 
1998:30.05 0.08 -0.04 2.65 4.86 1.07 0.25 0.36 0.15 0.74 
1998:40.07 0.08 0.02 2.77 4.92 1.23 0.23 0.56 0.39 0.70 
1999:10.06 0.09 0.01 2.70 4.85 1.17 0.28 0.45 0.42 0.67 
1999:20.07 0.12 0.01 2.25 4.24 0.93 0.30 0.53 0.45 0.59 
1999:30.13 0.18 0.03 2.43 4.15 1.28 0.26 0.51 0.67 0.63 
1999:40.13 0.18 0.04 2.57 4.47 1.35 0.38 0.75 0.29 0.76 
2000:10.09 0.13 0.03 2.45 4.31 1.15 0.26 0.56 0.28 0.62 
2000:20.09 0.10 0.05 2.18 3.97 0.92 0.27 0.69 0.20 0.62 
2000:30.11 0.13 0.06 2.28 4.02 1.01 0.29 0.67 0.66 0.64 
2000:40.14 0.17 0.07 3.28 4.55 2.30 0.35 1.32 0.93 1.03 
2001:10.14 0.14 0.11 2.52 4.46 1.25 0.45 0.97 1.42 0.81 
2001:20.15 0.18 0.10 2.51 4.73 1.11 0.52 1.21 0.80 0.88 
2001:30.42 0.60 0.15 2.72 4.80 1.43 0.76 1.39 1.78 1.07 
2001:40.26 0.24 0.23 3.33 5.69 1.84 0.80 2.40 0.33 1.40 
2002:10.18 0.18 0.16 4.11 8.08 1.65 0.78 1.58 0.76 1.28 
2002:20.16 0.18 0.11 3.09 5.82 1.39 1.01 1.93 0.80 1.22 
2002:30.16 0.17 0.14 3.10 5.47 1.63 0.83 2.29 0.88 1.28 
2002:40.18 0.16 0.18 3.17 5.36 1.77 1.61 1.88 1.03 1.20 
2003:10.15 0.16 0.10 3.10 5.64 1.58 1.00 1.58 0.51 1.06 
2003:20.16 0.16 0.13 2.99 5.58 1.51 1.00 1.44 0.14 0.97 
2003:30.15 0.13 0.17 2.92 5.10 1.57 0.75 1.27 0.50 0.91 
2003:40.31 0.41 0.07 3.15 5.76 1.54 0.63 1.13 0.57 1.01 
2004:10.12 0.14 0.07 2.89 5.29 1.37 0.42 0.72 0.46 0.77 
2004:20.09 0.10 0.07 2.85 5.41 1.24 0.35 0.53 0.42 0.68 
2004:30.08 0.09 0.06 2.66 4.64 1.29 0.35 0.35 0.26 0.61 
2004:40.10 0.10 0.08 3.02 4.73 1.74 0.48 0.40 -0.16 0.70 
2005:10.07 0.08 0.04 2.69 4.56 1.21 0.30 0.17 0.10 0.59 
2005:20.06 0.07 0.04 2.48 4.30 1.07 0.19 0.16 0.07 0.53 
2005:30.06 0.07 0.04 3.21 4.33 2.34 1.05 0.11 0.03 0.68 
2005:40.07 0.08 0.03 3.45 6.14 1.43 0.78 0.34 -0.15 0.75 
2006:10.07 0.10 0.02 1.88 3.15 0.95 0.18 0.15 0.23 0.40 
2006:20.07 0.08 0.03 2.01 3.58 0.93 0.06 0.20 0.12 0.43 
2006:30.09 0.11 0.03 2.33 3.93 1.18 0.06 0.24 0.00 0.49 
2006:40.15 0.15 0.16 2.59 4.08 1.53 0.28 0.41 0.23 0.61 
2007:10.15 0.17 0.10 2.48 3.94 1.48 0.11 0.30 0.06 0.56 
2007:20.16 0.19 0.10 2.40 3.82 1.45 0.11 0.39 0.08 0.57 
2007:30.23 0.27 0.14 2.60 4.05 1.65 0.28 0.43 0.13 0.66 
2007:40.45 0.49 0.39 2.89 4.11 2.07 0.34 0.83 0.08 0.93 

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

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.

    SA Seasonally adjusted.
    NSA Not seasonally adjusted.
    C&I Commercial 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).

Statistical releases

Home | Economic research and data
Accessibility | Contact Us
Last update: February 26, 2008