This is illustrated by approximately one in six (116,010)xiii of all owner-occupier loans currently in existence having had some form of restructure. 87% of these loans were meeting the terms of this restructure, and 79% of them are no longer in arrears.
Higher charge-offs were concentrated in commercial loans at large banks and in credit card specialty lenders. What areas may present heightened risks to community banks today? First, for most of the past decade, community banks--particularly those in the asset range of $ million to $ billion--have actively expanded their commercial real estate lending.