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FDIC - Quarterly Banking Profile
TABLE III-A. Full Year 2007, All FDIC-Insured Institutions
Full Year
(The way it is...)		 All Insured
Institutions		 Asset Concentration Groups
Credit Card
Institutions		 International
Banks		 Agricultural
Banks		 Commercial
Lenders		 Mortgage
Lenders		 Consumer
Lenders		 Other
Specialized
< $1 Billion		 All Other
< $1 Billion		 All Other
> $1 Billion
Number of institutions reporting 8,533 27 5 1,591 4,773 786 108 374 813 56
Commercial banks 7,282 23 5 1,586 4,279 183 83 332 749 42
Savings institutions 1,251 4 0 5 494 603 25 42 64 14
Total assets (in billions) $13,038.8 $479.3 $2,784.3 $157.5 $4,619.1 $1,333.6 $94.3 $37.9 $110.1 $3,422.5
Commercial banks 11,176.1 437.9 2,784.3 157.1 4,158.8 211.9 41.2 29.5 95.1 3,260.3
Savings institutions 1,862.7 41.4 0.0 0.4 460.3 1,121.7 53.2 8.4 15.0 162.3
Total deposits (in billions) 8,414.4 153.6 1,706.1 128.2 3,268.7 738.3 71.3 26.7 90.1 2,231.4
Commercial banks 7,308.9 143.2 1,706.1 127.8 2,966.0 79.2 27.4 21.1 78.2 2,159.9
Savings institutions 1,105.5 10.4 0.0 0.3 302.8 659.1 43.8 5.6 11.8 71.5
Net income (in millions) 105,470 15,390 14,893 1,808 38,261 3,931 1,179 959 1,111 27,938
Commercial banks 99,511 13,799 14,893 1,804 36,979 1,814 786 627 1,019 27,789
Savings institutions 5,959 1,591 0 4 1,282 2,117 393 332 92 149
Performance Ratios (%)
Yield on earning assets 6.76 13.18 6.23 7.15 6.88 6.57 7.61 5.49 6.56 6.23
Cost of funding earning assets 3.47 4.63 3.64 3.18 3.29 3.93 3.34 2.45 2.86 3.30
Net interest margin 3.29 8.56 2.59 3.97 3.59 2.63 4.26 3.04 3.70 2.94
Noninterest income to assets 1.90 10.50 1.97 0.68 1.26 0.93 2.54 11.07 1.03 1.88
Noninterest expense to assets 2.94 8.34 2.83 2.69 2.77 2.23 3.53 9.84 3.05 2.74
Loan and lease loss provision to assets 0.55 3.72 0.59 0.17 0.38 0.59 1.04 0.09 0.13 0.34
Net operating income to assets 0.88 3.34 0.57 1.21 0.91 0.33 1.24 2.58 1.02 0.91
Pretax return on assets 1.24 5.39 0.75 1.45 1.26 0.47 1.99 3.88 1.27 1.27
Return on assets 0.86 3.46 0.58 1.21 0.86 0.30 1.27 2.60 1.04 0.89
Return on equity 8.17 15.12 7.44 10.88 7.94 3.14 11.69 13.11 9.11 8.34
Net charge-offs to loans and leases 0.59 3.95 0.76 0.22 0.35 0.40 0.87 0.29 0.21 0.39
Loan and lease loss provision to net charge-offs 155.26 126.17 176.05 113.69 154.02 209.60 143.98 122.56 113.56 160.85
Efficiency ratio 59.37 44.54 66.95 61.94 59.45 61.10 52.61 70.95 68.46 60.50
% of unprofitable institutions 11.56 7.41 0.00 3.08 14.33 14.25 10.19 24.60 4.06 5.36
% of institutions with earnings gains 49.19 55.56 40.00 61.28 47.18 32.70 49.07 44.92 55.23 46.43
Condition Ratios (%)
Earning assets to total assets 86.71 80.98 83.66 91.04 88.45 92.03 91.27 88.15 91.62 85.08
Loss allowance to:
Loans and leases 1.29 4.15 1.46 1.27 1.23 0.86 1.22 1.33 1.18 0.92
Noncurrent loans and leases 92.54 207.47 103.22 121.50 93.62 45.74 61.51 172.87 123.83 80.15
Noncurrent assets plus other real estate owned to assets 0.94 1.54 0.67 0.83 1.06 1.52 1.65 0.23 0.66 0.68
Equity capital ratio 10.37 21.26 8.01 11.17 11.03 8.61 12.63 20.04 11.46 10.32
Core capital (leverage) ratio 7.98 14.57 6.38 10.32 8.48 7.89 9.87 18.59 11.05 7.43
Tier 1 risk-based capital ratio 10.12 13.26 8.59 13.70 9.74 12.94 11.33 41.05 18.13 9.86
Total risk-based capital ratio 12.79 15.88 12.50 14.75 11.83 14.94 13.12 42.07 19.24 12.78
Net loans and leases to deposits 92.75 229.92 71.46 80.85 98.54 126.71 105.89 33.55 68.80 81.82
Net loans to total assets 59.86 73.70 43.79 65.78 69.73 70.15 79.99 23.65 56.27 53.35
Domestic deposits to total assets 53.01 29.57 26.68 81.37 68.18 55.29 74.58 68.15 81.79 53.36
Structural Changes
New Charters 181 1 0 5 49 5 0 120 1 0
Institutions absorbed by mergers 321 1 0 24 254 12 2 2 7 19
Failed Institutions 3 0 0 0 0 2 0 0 0 1
PRIOR FULL YEARS
(The way it was)
Number of institutions
2006		 8,680 26 4 1,634 4,713 817 123 411 895 57
2004 8,976 34 5 1,731 4,423 990 132 466 1,120 75
2002 9,354 40 5 1,823 4,070 1,107 196 488 1,525 100
Total assets (in billions)
2006		 $11,860.0 $408.4 $2,337.2 $149.2 $4,904.7 $1,445.0 $109.9 $42.2 $119.6 $2,343.9
2004 10,105.9 383.0 1,881.3 138.7 3,301.4 1,503.6 104.1 52.0 143.3 2,598.4
2002 8,435.7 299.3 1,273.1 123.8 2,960.6 1,342.0 166.5 60.2 197.4 2,013.0
Return on assets (%)
2006		 1.28 4.19 1.01 1.23 1.28 0.94 1.75 1.54 1.04 1.26
2004 1.28 4.03 0.76 1.22 1.29 1.18 1.66 1.68 1.10 1.32
2002 1.30 3.60 0.74 1.24 1.30 1.31 1.35 1.08 1.14 1.32
Net charge-offs to loans & leases (%)
2006		 0.39 3.48 0.48 0.17 0.22 0.15 1.40 0.42 0.20 0.22
2004 0.56 4.66 0.91 0.22 0.30 0.12 1.57 0.59 0.29 0.25
2002 0.97 6.12 1.77 0.29 0.65 0.20 1.07 1.36 0.35 0.81
Noncurrent assets plus OREO to assets (%)
2006		 0.54 1.37 0.40 0.67 0.55 0.56 0.85 0.20 0.56 0.45
2004 0.53 1.50 0.57 0.68 0.51 0.43 0.53 0.31 0.59 0.45
2002 0.90 1.68 1.19 0.85 0.87 0.71 1.28 0.59 0.70 0.75
Equity capital ratio (%)
2006		 10.52 22.88 7.75 10.73 11.16 9.91 14.16 21.12 10.98 9.78
2004 10.28 20.54 8.05 10.78 10.10 10.55 11.36 17.47 10.79 10.23
2002 9.20 15.48 7.14 10.76 9.36 9.07 7.35 17.18 10.62 9.10
* See Table IV-A (page 8) for explanations.

Last Updated 02/26/2008 Questions, Suggestions & Requests

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