FDIC Quarterly Banking Profile


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FDIC - Quarterly Banking Profile

Full Year (The way it is...)	All Insured Institutions	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
TABLE III-A. Full Year 2007 All FDIC-Insured Institutions
Full Year (The way it is...)	All Insured Institutions	Asset Size Distribution				Geographic Regions
Number of institutions reporting	8,533	3,440	4,425	549	119	1,042	1,220	1,763	1,987	1,743	778
Commercial banks	7,282	3,065	3,706	425	86	548	1,075	1,455	1,880	1,618	706
Savings institutions	1,251	375	719	124	33	494	145	308	107	125	72
Total assets (in billions)	$13,038.8	$181.9	$1,310.1	$1,420.3	$10,126.5	$2,439.7	$3,329.1	$2,842.7	$977.9	$738.7	$2,710.7
Commercial banks	11,176.1	162.9	1,062.1	1,112.7	8,838.4	1,759.6	3,060.6	2,685.7	935.2	621.2	2,113.9
Savings institutions	1,862.7	19.0	247.9	307.5	1,288.2	680.1	268.6	157.0	42.7	117.5	596.9
Total deposits (in billions)	8,414.4	148.1	1,039.9	1,008.1	6,218.3	1,512.9	2,184.0	1,828.3	691.1	547.1	1,650.9
Commercial banks	7,308.9	133.8	854.8	792.0	5,528.4	1,066.5	2,023.6	1,717.8	661.1	476.6	1,363.2
Savings institutions	1,105.5	14.3	185.1	216.1	690.0	446.4	160.4	110.5	30.0	70.5	287.7
Net income (in millions)	105,470	1,322	12,440	13,473	78,235	18,068	26,050	23,630	13,304	7,192	17,226
Commercial banks	99,511	1,282	10,804	11,519	75,905	17,126	27,097	23,028	13,116	6,331	12,813
Savings institutions	5,959	39	1,636	1,954	2,330	942	-1,047	602	187	861	4,413
Performance Ratios (%)
Yield on earning assets	6.76	6.96	7.14	7.07	6.65	6.81	6.56	6.08	7.61	7.15	7.25
Cost of funding earning assets	3.47	2.91	3.29	3.37	3.52	3.45	3.47	3.35	3.26	3.28	3.73
Net interest margin	3.29	4.05	3.86	3.70	3.13	3.36	3.08	2.73	4.34	3.86	3.52
Noninterest income to assets	1.90	1.22	1.13	1.43	2.08	2.18	1.53	2.05	3.36	1.37	1.56
Noninterest expense to assets	2.94	3.77	3.13	2.83	2.92	3.14	2.57	2.77	4.21	3.19	2.89
Loan and lease loss provision to assets	0.55	0.21	0.25	0.42	0.62	0.67	0.37	0.39	0.85	0.32	0.80
Net operating income to assets	0.88	0.74	0.98	1.05	0.84	0.83	0.88	0.87	1.44	1.01	0.68
Pretax return on assets	1.24	0.97	1.31	1.48	1.20	1.22	1.20	1.27	2.09	1.36	0.93
Return on assets	0.86	0.75	0.99	0.99	0.82	0.79	0.84	0.87	1.46	1.02	0.66
Return on equity	8.17	5.39	9.44	8.79	7.98	6.45	8.10	9.66	14.29	10.00	6.17
Net charge-offs to loans and leases	0.59	0.23	0.24	0.41	0.68	0.90	0.33	0.46	0.78	0.29	0.76
Loan and lease loss provision to net charge-offs	155.26	145.31	149.06	149.28	156.29	130.05	184.23	154.10	154.18	165.05	164.10
Efficiency ratio	59.37	76.03	66.10	57.57	58.43	56.25	59.87	61.13	57.70	64.13	59.60
% of unprofitable institutions	11.56	18.11	7.12	6.19	11.76	16.03	17.54	10.72	6.14	8.20	19.41
% of institutions with earnings gains	49.19	50.00	49.58	45.17	29.41	37.33	39.02	47.14	55.41	58.92	47.94
Condition Ratios (%)
Earning assets to total assets	86.71	91.70	91.80	90.51	85.43	86.67	86.09	86.00	86.55	89.91	87.45
Loss Allowance to:
Loans and leases	1.29	1.28	1.17	1.29	1.30	1.52	1.06	1.29	1.39	1.16	1.36
Noncurrent loans and leases	92.54	107.04	95.86	96.09	91.30	121.32	91.96	83.62	81.59	95.20	86.53
Noncurrent assets plus other real estate owned to assets	0.94	0.95	1.06	1.06	0.90	0.76	0.81	0.95	1.37	0.97	1.09
Equity capital ratio	10.37	13.74	10.52	11.37	10.15	12.07	10.32	9.24	9.75	10.23	10.35
Core capital (leverage) ratio	7.98	13.53	9.97	9.44	7.41	8.68	7.07	7.17	8.09	8.88	9.02
Tier 1 risk-based capital ratio	10.12	19.67	13.21	11.95	9.32	11.86	8.93	8.79	9.46	11.14	11.59
Total risk-based capital ratio	12.79	20.70	14.30	13.26	12.40	13.92	11.64	11.72	12.18	12.80	14.66
Net loans and leases to deposits	92.75	76.66	87.98	96.38	93.35	90.83	93.25	84.19	97.15	89.09	102.72
Net loans to total assets	59.86	62.40	69.83	68.41	57.32	56.32	61.18	54.14	68.66	65.99	62.56
Domestic deposits to total assets	53.01	81.39	79.26	70.31	46.68	52.94	58.30	50.45	63.54	73.19	39.97
Structural Changes
New Charters	181	174	5	2	0	22	53	16	12	33	45
Institutions absorbed by mergers	321	114	167	31	9	74	45	77	48	46	31
Failed Institutions	3	2	0	1	0	1	1	1	0	0	0
PRIOR FULL YEARS (The way it was)
Number of institutions 2006	8,680	3,632	4,399	530	119	1,092	1,218	1,826	2,018	1,753	773
2004	8,976	4,093	4,286	480	117	1,129	1,219	1,951	2,094	1,834	749
2002	9,354	4,680	4,118	450	106	1,212	1,237	2,055	2,167	1,901	782
Total assets (in billions) 2006	$11,860.0	$189.9	$1,290.0	$1,397.5	$8,982.6	$2,214.3	$2,911.4	$2,746.2	$859.8	$652.3	$2,476.1
2004	10,105.9	211.7	1,199.6	1,317.0	7,377.6	2,855.0	2,177.1	2,387.6	768.2	603.1	1,315.1
2002	8,435.7	237.8	1,124.9	1,279.1	5,793.9	2,892.6	1,711.2	1,572.0	440.1	581.5	1,238.3
Return on assets (%) 2006	1.28	0.92	1.16	1.22	1.31	1.27	1.31	1.10	1.76	1.23	1.29
2004	1.28	1.00	1.19	1.45	1.27	1.37	1.34	0.88	1.55	1.26	1.60
2002	1.30	0.99	1.16	1.44	1.31	1.11	1.32	1.28	1.58	1.41	1.58
Net charge-offs to loans & leases (%) 2006	0.39	0.18	0.16	0.20	0.47	0.72	0.19	0.28	0.55	0.21	0.43
2004	0.56	0.28	0.27	0.39	0.65	0.88	0.31	0.41	0.74	0.27	0.60
2002	0.97	0.32	0.41	0.69	1.18	1.45	0.71	0.77	1.19	0.44	0.81
Noncurrent assets plus OREO to assets (%) 2006	0.54	0.73	0.59	0.52	0.53	0.51	0.33	0.57	1.05	0.62	0.56
2004	0.53	0.74	0.56	0.51	0.53	0.58	0.35	0.55	0.81	0.61	0.51
2002	0.90	0.85	0.74	0.69	0.98	1.01	0.78	1.00	0.82	0.81	0.74
Equity capital ratio (%) 2006	10.52	13.01	10.39	10.97	10.42	12.48	10.05	9.07	10.64	10.42	10.92
2004	10.28	11.82	10.19	10.89	10.15	11.21	8.74	9.36	10.62	10.78	12.10
2002	9.20	11.28	10.06	10.06	8.76	8.85	9.38	8.57	10.34	9.60	9.98
* See Table IV-A (page 9) for explanations.

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

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