Total Consumer Loans Held by Banks: 1985-1994

Includes loans secured by real estate at all FDIC-insured commercial banks ($ billion) +++ part 1 of 2

1994 1993 1992 1991 1990 Total Consumer Loans $1,057.60 $935.70 $848.80 $822.60 $803.80

Annual % change 13 10.2 3.2 2.3 6.9

Percent noncurrent 0.93 1.17 1.39 1.5

Percent charged off 0.68 0.83 1.11 1.2 Home Equity Lines $75.80 $72.70 $73.30 $70.20 $61.40

Annual % change 4.3 -0.8 4.4 14.3 20.9

Percent noncurrent 0.54 0.7 0.72 0.75

Percent charged off 0.2 0.26 0.18 0.13 Home Mortgage Loans $493.10 $443.10 $390.10 $360.50 $338.90

Annual % change 11.3 13.6 8.2 6.4 12.9

Percent noncurrent 0.91 1.19 1.43 1.65

Percent charged off 0.13 0.19 0.22 0.2 Credit card loans $188.40 $154.40 $135.90 $139.10 $133.60

Annual % change 22 13.6 -2.3 4.1 1.6

Percent noncurrent 1.24 1.42 1.72 1.87

Percent charged off 2.65 3.37 4.5 4.36 Other consumer loans $300.30 $265.50 $249.50 $252.80 $269.90

Annual % change 13.1 6.4 -1.3 -6.3 0.1

Percent noncurrent 0.87 0.92 1.12 1.28

Percent charged off 0.47 0.6 0.93 1.18 Total Loans $2,359.80 $2,150.90 $2,031.9 $2,052.70 $2,110,2

Annual % change 9.7 5.9 -1 -2.7 2.5

Percent noncurrent 1.3 1.99 3.06 3.7 3.7

Percent charged off 0.48 0.84 1.27 1.61 1.43 Consumer loans as a % of 44.8 43.5 41.8 40.1 38.1 part 2 of 2

1989 1988 1987 1986 1985 Total Consumer Loans $752.10 $679.60 $614.40 $558.20 $507.30

Annual % change 10.7 10.6 10.1 10 13.1

Percent noncurrent

Percent charged off Home Equity Lines $50.80 $40.00 $29.90 N.A. N.A.

Annual % change 27 33.8

Percent noncurrent

Percent charged off Home Mortgage Loans $300.10 $261.70 $233.00 $222.50 $198.70

Annual % change 14.7 12.3 4.7 12 9.4

Percent noncurrent

Percent charged off Credit card loans $131.50 $117.20 $102.90 $91.90 $78.10

Annual % change 12.2 13.9 12 17.7 27.6

Percent noncurrent

Percent charged off Other consumer loans $269.70 $260.70 $248.60 $243.80 $230.50

Annual % change 3.5 4.9 2 5.8 12.1

Percent noncurrent

Percent charged off Total Loans $2,110.20 $2,058.20$1,932.40 $1,829.20 $1,756.70

Annual % change 6.5 5.6 4.1 7.7 8.1

Percent noncurrent 3 2.92 3.46 N.A. N.A.

Percent charged off 1.14 1 0.92 0.94 0.81 Consumer loans as a % of 36.5 35.2 33.6 31.8 31.1 === Data Sources: Data are from Sheshunoff Information Services Inc., Austin, Texas, and the Federal Deposit Insurance Corp., Washington, D.C.. Noncurrent loans are loans 90 days or more past due or loans placed on a nonaccrual basis. Loans charged off are net of recoveries. Total consumer loans are the sum of home equity lines in use plus, home mortgage loans, credit card loans, and all other consumer loans (single payment loans plus installment loans such as auto loans, student loans, and home improvement loans. N.A.- Not available. Compiled by American Banker, 1995.

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