Abstract
This study estimated the relation of individual banks′ real estate loans to capital shortfalls, loan delinquencies, and local economic conditions. Capital shortfalls tended to reduce banks′ holdings of single-family loans and to raise banks′ holdings of commercial real estate loans. Increased holdings of a category of loans were associated with lower delinquency rates for loans in that category in a banks′ own portfolio and with higher delinquency rates on loans in that category at neighboring banks. Higher vacancy rates for a category of real estate tended to reduce banks′ holdings of loans in that category.
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