The call report schedule where a bank lists the loans and leases it holds by category, such as construction, multifamily, nonfarm nonresidential, farmland and commercial and industrial loans.
Schedule RC-C is the loan page of a bank’s call report. Part I sorts the loans a bank holds by collateral and purpose. Loans secured by real estate are item 1: construction, land development and other land loans (1.a), farmland (1.b), 1-4 family residential (1.c), multifamily with five or more units (1.d), and nonfarm nonresidential, split into owner-occupied (1.e.1) and other (1.e.2). Commercial and industrial loans are item 4. Balances are reported before any deduction for the allowance for credit losses.
Part II counts loans to small businesses and small farms by original amount: $100,000 or less, more than $100,000 through $250,000, and more than $250,000 through $1,000,000 for business loans. For a line of credit, the original amount is the size of the line when it was last set or renewed.
When you seek a loan, RC-C tells you whether a bank already holds your kind of loan and in what size. A bank with most of its nonfarm nonresidential book in loans under $1,000,000 is set up for small deals. The schedule shows what is held, never what was made or declined.
How it shows up in the data here
Each bank loan balance here is a Schedule RC-C item: construction (1.a), farmland (1.b), multifamily (1.d), owner-occupied and other nonfarm nonresidential (1.e.1 and 1.e.2), and commercial and industrial loans (item 4). Part II supplies the share of a bank's commercial real estate book in loans with original amounts of $1,000,000 or less, which drives the small-balance CRE lenders list. The data dictionary names the item behind each field.
Go further
- Data dictionary: Which RC-C item feeds each field.
- Small-balance CRE lenders: Banks whose commercial real estate book is mostly loans of $1,000,000 or less.
- Search banks by loan type: Banks sorted by commercial loans held.
- How to read a bank call report as a loan searcher: Every bank files a call report each quarter. One schedule in it lists the bank's loans by kind. Read that schedule and you know what the bank holds. You still do not know what it made last quarter.
- How to pick banks for a deal with public data: Public filings cannot tell you which bank will say yes. They can tell you which banks are large enough, already hold loans like yours and lend where the property is. That is enough to turn four thousand banks into six phone calls.
Related terms
- Call report: The financial report every bank and savings association files with its federal regulator each quarter, with a balance sheet, an income statement and schedules that break out loans by kind.
- Small business loan (CRA and call report definition): In bank reporting, a business loan with an original amount of $1,000,000 or less that is a commercial and industrial loan or is secured by nonfarm nonresidential real estate.
- Multifamily (5+ units): Residential rental property with five or more units. Banks, credit unions and HMDA all draw the line between four units and five.
- Owner-occupied commercial real estate: Commercial property where the loan is repaid mainly by the business that occupies it, not by rent from unrelated tenants.
- Non-owner-occupied commercial real estate: Commercial property where half or more of the loan's repayment comes from rent paid by tenants unrelated to the owner.
- CRE concentration: A bank's commercial real estate loans measured against its capital. Federal guidance from 2006 flags 300 percent of total capital, with 50 percent growth in 36 months, for closer review.
Sources
Plain definitions for orientation, not legal, tax or credit advice. A lender's own policy decides what it will do.