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FDIC Quarterly Banking Profile
TABLE III-A. First Quarter 2005 All FDIC-Insured Institutions
First Quarter
(The way it is...)		 All
Insured
Institutions		 Asset Size Distribution Geographic Regions
Less
Than $100
Million		 $100 Million
To
$1 Billion		 $1 Billion
To
$10 Billion		 Greater
Than $10
Billion		 New York Atlanta Chicago Kansas
City		 Dallas San
Francisco
Number of institutions reporting 8,930 4,053 4,284 480 113 1,118 1,220 1,932 2,089 1,824 747
Commercial banks 7,598 3,617 3,536 361 84 589 1,074 1,588 1,983 1,697 667
Savings institutions 1,332 436 748 119 29 529 146 344 106 127 80
Total assets (in billions) $10,282.1 $210.1 $1,207.3 $1,324.4 $7,540.3 $2,839.9 $2,274.0 $2,423.0 $762.9 $618.5 $1,363.9
Commercial banks 8,589.3 187.6 962.7 974.4 6,464.6 2,273.0 2,119.6 2,279.0 719.2 530.6 667.9
Savings institutions 1,692.8 22.5 244.6 350.1 1,075.7 566.9 154.4 144.1 43.7 87.9 695.9
Total deposits (in billions) 6,708.7 174.6 966.9 905.5 4,661.7 1,860.7 1,534.1 1,518.0 541.6 459.6 794.7
Commercial banks 5,704.8 157.3 783.2 678.1 4,086.2 1,493.7 1,431.7 1,415.2 513.4 410.5 440.2
Savings institutions 1,004.0 17.3 183.8 227.4 575.5 366.9 102.4 102.8 28.3 49.1 354.4
Net income (in millions) 34,292 547 3,612 4,400 25,733 9,317 8,211 6,083 3,208 1,949 5,524
Commercial banks 29,504 486 3,102 3,415 22,501 7,760 7,747 5,814 3,184 1,649 3,349
Savings institutions 4,788 61 510 985 3,232 1,556 463 269 24 300 2,176
Performance Ratios (annualized, %)
Yield on earning assets 5.42 5.76 5.80 5.51 5.32 5.46 5.24 4.96 6.05 5.64 5.93
Cost of funding earning assets 1.88 1.62 1.77 1.80 1.92 1.98 1.83 1.99 1.61 1.69 1.79
Net interest margin 3.54 4.14 4.03 3.71 3.41 3.48 3.41 2.98 4.44 3.95 4.14
Noninterest income to assets 2.18 1.27 1.20 1.69 2.44 2.53 1.84 2.08 3.07 1.51 1.94
Noninterest expense to assets 3.05 3.61 3.13 3.07 3.02 3.31 2.69 2.90 4.10 3.12 2.73
Loan and lease loss provision to assets 0.24 0.16 0.17 0.20 0.26 0.30 0.10 0.12 0.41 0.17 0.53
Net operating income to assets 1.32 1.03 1.18 1.23 1.37 1.28 1.39 1.09 1.68 1.27 1.56
Pretax return on assets 2.00 1.35 1.65 1.98 2.08 1.96 2.17 1.49 2.47 1.74 2.59
Return on assets 1.35 1.05 1.21 1.34 1.38 1.31 1.48 1.01 1.68 1.28 1.64
Return on equity 13.13 8.79 11.97 12.55 13.57 11.76 17.16 10.95 15.84 11.85 13.22
Net charge-offs to loans and leases 0.47 0.12 0.15 0.27 0.58 0.72 0.22 0.32 0.58 0.20 0.63
Loan and lease loss provision to net charge-offs 86.14 218.19 170.36 115.96 78.69 76.04 76.66 65.58 95.35 137.05 110.86
Efficiency ratio 56.54 70.54 63.32 59.10 54.75 58.12 54.80 61.20 57.23 61.26 46.66
% of unprofitable institutions 5.31 9.67 1.63 2.29 0.88 6.17 7.70 4.50 3.26 4.77 9.24
% of institutions with earnings gains 60.91 55.09 64.96 70.83 73.45 59.93 70.74 56.63 56.97 59.48 71.89
Condition Ratios (%)
Earning assets to total assets 87.21 92.17 92.04 91.19 85.60 86.05 87.53 85.58 87.90 88.85 90.87
Loss Allowance to:
Loans and leases 1.29 1.38 1.23 1.27 1.30 1.53 1.07 1.28 1.41 1.22 1.16
Noncurrent loans and leases 172.42 144.11 187.70 198.54 166.85 169.17 224.00 157.85 145.09 162.45 180.86
Noncurrent assets plus other real estate owned to assets 0.50 0.74 0.54 0.48 0.49 0.52 0.32 0.51 0.78 0.59 0.52
Equity capital ratio 10.24 11.85 10.05 10.74 10.13 11.19 8.52 9.24 10.55 10.79 12.46
Core capital (leverage) ratio 8.17 11.78 9.68 9.35 7.61 8.15 7.26 7.27 8.54 8.62 10.89
Tier 1 risk-based capital ratio 10.89 17.87 13.56 12.89 9.97 11.48 9.44 9.21 10.59 12.22 15.04
Total risk-based capital ratio 13.34 18.98 14.73 14.26 12.82 14.24 11.71 12.11 12.91 13.59 16.85
Net loans and leases to deposits 91.24 73.42 82.86 94.06 93.10 82.59 85.39 87.82 101.86 82.15 127.36
Net loans to total assets 59.53 61.03 66.37 64.31 57.56 54.11 57.60 55.02 72.32 61.05 74.21
Domestic deposits to total assets 56.67 83.12 79.94 67.62 50.29 48.52 61.15 53.41 68.39 73.86 57.62
Structural Changes
New Charters 33 32 1 0 0 3 10 4 2 6 8
Institutions absorbed by mergers 77 29 33 11 4 15 8 18 9 16 11
Failed Institutions 0 0 0 0 0 0 0 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2004		 9,116 4,300 4,238 465 113 1,162 1,231 1,996 2,122 1,853 752
2002 9,521 5,000 3,982 437 102 1,238 1,255 2,097 2,202 1,940 789
2000 10,152 5,745 3,881 431 95 1,310 1,322 2,268 2,322 2,087 843
Total assets (in billions)
2004		 $9,377.1 $221.9 $1,169.4 $1,282.1 $6,703.8 $3,186.7 $1,995.5 $1,700.3 $738.7 $571.0 $1,184.9
2002 7,823.5 250.0 1,068.7 1,261.3 5,243.6 2,651.7 1,571.3 1,468.8 415.6 545.6 1,170.6
2000 7,004.6 271.4 1,005.7 1,222.1 4,505.4 2,401.1 1,513.9 1,173.4 439.1 559.6 917.6
Return on assets (%)
2004		 1.38 1.00 1.17 1.48 1.41 1.32 1.32 1.38 1.51 1.35 1.57
2002 1.29 0.98 0.99 1.42 1.34 1.16 1.35 1.23 1.54 1.36 1.48
2000 1.29 1.07 1.20 1.42 1.29 1.33 1.34 1.18 1.36 1.09 1.35
Net charge-offs to loans & leases (%)
2004		 0.64 0.19 0.24 0.44 0.78 0.96 0.36 0.43 0.92 0.34 0.66
2002 0.98 0.22 0.29 0.68 1.24 1.54 0.64 0.78 1.21 0.39 0.78
2000 0.50 0.16 0.26 0.58 0.56 0.64 0.39 0.33 0.76 0.31 0.59
Noncurrent assets plus OREO to assets (%)
2004		 0.67 0.84 0.66 0.59 0.68 0.69 0.46 0.79 0.88 0.75 0.59
2002 0.92 0.85 0.73 0.75 1.00 0.98 0.83 1.04 0.83 0.84 0.80
2000 0.63 0.68 0.57 0.64 0.64 0.70 0.61 0.59 0.59 0.63 0.58
Equity capital ratio (%)
2004		 9.45 11.73 10.18 10.71 9.00 9.13 8.58 8.74 10.44 9.64 12.07
2002 9.22 11.03 9.85 9.75 8.88 8.96 9.35 8.80 9.95 9.56 9.75
2000 8.37 11.02 9.55 8.83 7.82 8.18 8.56 8.02 8.86 8.49 8.70
* See Table IV-A (page 9) for explanations

Last Updated 05/26/2005 Questions, Suggestions & Requests

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