Total Consumer Loans Held by Banks: 1987-1996

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Includes loans secured by residential real estate, credit card loans, and all other consumer loans, at all FDIC-insured commercial banks.

(dollar amounts in billions)

1996 1995 1994 1993

Total consumer loans $1,344.40 $1,161.10 $1,057.6 $935.70

Annual % change 15.79 9.78 13 10.2

Percent nonperforming 1.15 1 0.93 1.11

Percent charged off 1 0.9 0.72 0.88

Home equity lines $91.30 $79.20 $75.80 $72.70

Annual % change 15.29 4.45 4.3 -0.8

Percent nonperforming 0.5 0.52 0.54 0.7

Percent charged off 0.19 0.19 0.2 0.26

Home mortgage $676.90 $546.70 $493.10 $443.10

Annual % change 23.82 10.86 11.3 13.6

Percent nonperforming 1.06 0.88 0.91 1.19

Percent charged off 0.08 0.11 0.13 0.19

Credit card loans $237.80 $215.80 $188.40 $154.40

Annual % change 10.19 14.56 22 13.6

Percent nonperforming 1.92 1.56 1.24 1.42

Percent charged off 4.06 3.34 2.65 3.37

All other Consumer loans $338.40 $319.40 $300.30 $265.50

Annual % change 5.95 6.35 13.1 6.4

Percent nonperforming 0.97 0.97 0.87 0.92

Percent charged off 0.89 0.65 0.47 0.6

Total Loans (consumer & busines $2,977.6 $2,602.7 $2,358.2 $2,150.9

Annual % change 14.4 10.37 9.6 5.9

Percent noncurrent 1.08 1.17 1.3 1.99

Percent charged off 0.54 0.49 0.48 0.84

Consumer loans as a % of total 45.20% 44.60% 44.80% 43.50%

part 2 of 2

Total Consumer Loans Held by Banks: 1987-1996

Includes loans secured by residential real estate, credit card loans, and all other consumer loans, at all FDIC-insured commercial banks.

(dollar amounts in billions)

1992 1991 1990 1989 1988 1987

Total consum $848.80 $822.60 $803.80 $752.10 $679.60 $614.40

Annual % cha 3.2 2.3 6.9 10.7 10.6 10.1

Percent nonpe 1.32 1.5

Percent charg 1.13 1.21

Home equity l $73.30 $70.20 $61.40 $50.80 $40.00 $29.90

Annual % chan 4.4 14.3 20.9 27 33.8

Percent nonpe 0.72 0.75

Percent charg 0.18 0.13

Home mortgage $390.10 $360.50 $338.90 $300.10 $261.70 $233.00

Annual % chan 8.2 6.4 12.9 14.7 12.3 4.7

Percent nonpe 1.43 1.65

Percent charg 0.22 0.2

Credit card l $135.90 $139.10 $133.60 $131.50 $117.20 $102.90

Annual % chan -2.3 4.1 1.6 12.2 13.9 12

Percent nonpe 1.72 1.87

Percent charg 4.5 4.36

All other Con $249.50 $252.80 $269.90 $269.70 $260.70 $248.60

Annual % chan -1.3 -6.3 0.1 3.5 4.9 2

Percent nonpe 1.12 1.28

Percent charg 0.93 1.18

Total Loans ( $2,031.9 $2,052.7 $2,110.2 $2,058.2 $1,932.4 $1,829.2

Annual % chan -1 -2.7 2.5 6.5 5.6 4.1

Percent noncu 3.06 3.7 3.7 3 2.92 3.46

Percent charg 1.27 1.61 1.43 1.14 1 0.92

Consumer loan 41.80% 40.10% 38.10% 36.50% 35.20% 33.60%

Source: Sheshunoff Information Services Inc., Austin, Texas. Notes: Home Equity Lines are the amount outstanding under revolving,"open-end lines of credit secured by 1-4 family residential properties. All Other Consumer Loans include all loans to individuals for household, family, and other personal expenditures that are not secured by real estate. They generally include auto, boat, car, education, and credit cards loans or lines of credit. Credit card loans include extensions of credit to individuals arising from bank credit cards or special prearranged overdraft plans. Percent nonperforming includes the sum of past due loans and nonaccrual loans outstanding. Past due loans comprise all extension of credit via lending for which principal and or interest payments are delinquent by 90 days or more and remain on accrual. Nonaccrual loans reflect past due loans for which the bank has deemed that interest receivable is unlikely to be paid. Percent charged off includes all loans charged off during the calendar year. A charge off reflects an accounting write-off of loans deemed to be bad debt and are unlikely to be recovered. Compiled by American Banker, 1997 ===