Now and then: The Evolution of Loan Quality for U.S. Banks

7 Pages Posted: 11 Mar 2005

See all articles by Kevin J. Stiroh

Kevin J. Stiroh

Federal Reserve Bank of New York

Christopher Metli

Federal Reserve Bank of New York

Abstract

Although loan quality in the U.S. banking industry deteriorated in recent years, a comparison with the banking crisis of the late 1980s and early 1990s suggests that the industry is in a far better position today than it was a decade ago. The percentage of troubled loans is lower, loan quality problems are confined principally to large-bank commercial and industrial lending, and credit weakness is concentrated in a small number of borrower industries.

Keywords: loan quality, commercial banks

JEL Classification: G21

Suggested Citation

Stiroh, Kevin J. and Metli, Christopher, Now and then: The Evolution of Loan Quality for U.S. Banks. Available at SSRN: https://ssrn.com/abstract=682641

Kevin J. Stiroh (Contact Author)

Federal Reserve Bank of New York ( email )

33 Liberty Street
New York, NY 10045
United States
(212) 720-6633 (Phone)
(212) 720-8363 (Fax)

Christopher Metli

Federal Reserve Bank of New York ( email )

33 Liberty Street
New York, NY 10045
United States

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