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Regional Patterns in the Quality of Bank Assets

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Abstract

quality of U.S. bank assets varied during the late 1980s and early 1990s. At various times during this period the average asset quality of banks in New England, the Southwest, and California was unusually poor relative to that of banks in other parts of the nation. Since the asset quality problems of banks in these three regions peaked at different times, differences in measures of asset quality across regions remained large for an extended period. I compare the recent range of differences in asset quality across regions (during the recent recession and current economic expansion) with comparable data for the late 1980s and early 1990s. The measure of asset quality shown here is the percentage of commercial and industrial (C&I) loans that are nonperforming (past due> _ 90 days or classified as nonaccrual)

Year: 2003
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