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Investing and Economics Blog

Real Estate and Consumer Loan Delinquency Rates 1998-2009

The chart shows the total percent of delinquent loans by commercial banks in the USA.

charts showing loan delinquency rates in the USA, 1998-2009

That last half of 2009 saw real estate delinquencies continue to increase. Residential real estate delinquencies increased 143 basis points to 10.14% and commercial real estate delinquencies in 98 basis points to 8.81%. Agricultural loan delinquencies also increased (112 basis points) though to just 3.24%. Consumer loan delinquencies decreased with credit card delinquencies down 18 basis points to 6.4% and other consumer loan delinquencies down 19 basis points to 3.49%.

Related: Loan Delinquency Rates Increased Dramatically in the 2nd Quarter – Bond Rates Remain Low, Little Change in Late 2009 – Government Debt as Percentage of GDP 1990-2008 – USA, Japan, Germany… – posts with charts showing economic data

Notes: these data are compiled from the quarterly Federal Financial Institutions Examination Council Consolidated Reports of Condition and Income. Charge-offs are the value of loans and leases removed from the books and charged against loss reserves. Charge-off rates are annualized, net of recoveries. Delinquent loans and leases are those past due thirty days or more and still accruing interest as well as those in nonaccrual status.

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.

April 5th, 2010 John Hunter | 3 Comments | Tags: Economics, economy, Popular, quote, Real Estate

Comments

3 Comments so far

  1. 10 million More Renters In the Next 5 Years at Curious Cat Investing and Economics Blog on August 3, 2010 9:47 am

    “For example, while the overall U.S. rate is 67.2%, the rate for households headed by someone under 35 is just 38.9%. Thus, whenever the age distribution of households tilts in favor of younger adults, the overall home-ownership rate declines…”

  2. Real Estate and Consumer Loan Delinquency Rates 2000-2010 at Curious Cat Investing and Economics Blog on August 30, 2010 7:15 am

    The first half of 2010 saw residential real estate delinquencies continue to increase and other consumer loan delinquencies decreasing (both trends continue those of the last half of 2009)…

  3. Consumer and Real Estate Loan Delinquency Rates from 2001 to 2011 in the USA at Curious Cat Investing and Economics Blog on March 13, 2012 6:32 pm

    Residential real estate delinquency rates fell just 25 basis points (to a still extremely large 9.86%). Commercial real estate delinquency rates fell an impressive 186 basis points (to a still high 6.12%). Credit card delinquency rates fell 86 basis points to a 17 year low, 3.27%…

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