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C&I asset quality-a few cautionary signals

机译：C＆I资产质量-一些警告信号

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摘要

A midst all of the credit-related turmoil of the last few quarters, the commercial and industrial (C&I) lending segment has been largely untouched. Recent trends, however, suggest an uptick in problem loans in the segment with the first-quarter 2008 ratio of noncurrent C&I loans to total C&I loans increasing by 14 basis points at the national level as compared to the fourth-quarter of 2007. To get a sense for the geographic concentration of the problem loans, SNL took a look at state-level commercial bank data aggregated from the call reports. The table shows the states with the highest numbers. New Hampshire stood out with a noncurrent ratio in the C&I segment of 5.12%, the state had previously run at around 1% to 1.5%, so the uptick was large indeed. Puerto Rico, while not technically a state, was near the top of the list with a ratio of 4.68%, up from the prior period, but largely in-line with prior behavior. Delaware and Minnesota also made the top of the list with increases in the 40 basis point range on a linked-quarter basis. The Southwest was represented with both Arizona and New Mexico showing up on the top-ten list.
机译：在过去几个季度与信贷有关的所有动荡之中，工商业（C＆I）贷款部门基本上未受影响。但是，最近的趋势表明，该部门的问题贷款有所增加，与2007年第四季度相比，2008年第一季度的非流动C＆I贷款与总C＆I贷款的比率在国家一级增加了14个基点。为了了解问题贷款的地域集中程度，SNL考察了电话报告中汇总的州级商业银行数据。该表显示了编号最高的状态。新罕布什尔州在C＆I领域的非流动比率为5.12％脱颖而出，该州之前的非流动比率约为1％至1.5％，因此上涨幅度确实很大。波多黎各虽然在技术上不是州，但以4.68％的比例接近榜首，比上一时期有所上升，但与先前的行为基本相符。特拉华州和明尼苏达州也以40个基点的季度环比增长而位居榜首。西南地区代表亚利桑那州和新墨西哥州，位列前十名。

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