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| FDIC - Quarterly Banking Profile |
| TABLE IV-A. Fourth Quarter 2007, All FDIC-Insured Institutions | |||||||||||
|
Fourth 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 | 8,533 | 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) | 5,816 | 221 | 2,489 | 2,484 | 622 | 1,709 | 1,249 | 4,322 | 2,385 | 1,110 | -4,960 |
| Commercial banks | 10,540 | 221 | 2,150 | 2,163 | 6,006 | 2,993 | 2,959 | 4,304 | 2,366 | 1,054 | -3,136 |
| Savings institutions | -4,724 | 0 | 339 | 321 | -5,385 | -1,284 | -1,709 | 18 | 19 | 57 | -1,824 |
| Performance Ratios (annualized, %) | |||||||||||
| Yield on earning assets | 6.78 | 7.07 | 7.12 | 7.08 | 6.68 | 6.86 | 6.66 | 6.20 | 7.65 | 7.09 | 7.05 |
| Cost of funding earning assets | 3.48 | 2.99 | 3.30 | 3.39 | 3.53 | 3.44 | 3.57 | 3.40 | 3.22 | 3.25 | 3.64 |
| Net interest margin | 3.30 | 4.08 | 3.82 | 3.69 | 3.15 | 3.42 | 3.08 | 2.80 | 4.43 | 3.83 | 3.42 |
| Noninterest income to assets | 1.49 | 1.28 | 1.11 | 1.00 | 1.61 | 2.18 | 1.00 | 2.08 | 3.21 | 1.30 | 0.31 |
| Noninterest expense to assets | 3.11 | 4.12 | 3.23 | 2.63 | 3.15 | 3.44 | 2.65 | 2.94 | 4.29 | 3.39 | 3.08 |
| Loan and lease loss provision to assets | 0.97 | 0.29 | 0.41 | 0.75 | 1.09 | 0.97 | 0.76 | 0.70 | 1.52 | 0.58 | 1.41 |
| Net operating income to assets | 0.24 | 0.46 | 0.76 | 0.69 | 0.11 | 0.39 | 0.28 | 0.61 | 0.97 | 0.60 | -0.67 |
| Pretax return on assets | 0.16 | 0.66 | 0.99 | 0.98 | -0.07 | 0.58 | 0.04 | 0.86 | 1.26 | 0.79 | -1.35 |
| Return on assets | 0.18 | 0.49 | 0.77 | 0.71 | 0.02 | 0.28 | 0.15 | 0.62 | 1.00 | 0.61 | -0.73 |
| Return on equity | 1.74 | 3.55 | 7.30 | 6.23 | 0.24 | 2.32 | 1.50 | 6.77 | 10.05 | 5.93 | -6.95 |
| Net charge-offs to loans and leases | 0.83 | 0.36 | 0.42 | 0.60 | 0.94 | 1.00 | 0.56 | 0.74 | 1.10 | 0.46 | 1.09 |
| Loan and lease loss provision to net charge-offs | 193.46 | 126.15 | 138.87 | 179.53 | 199.30 | 171.70 | 222.53 | 172.84 | 196.92 | 189.26 | 203.52 |
| Efficiency ratio | 66.27 | 81.69 | 67.93 | 57.38 | 66.98 | 56.21 | 70.15 | 63.36 | 59.62 | 67.45 | 83.58 |
| % of unprofitable institutions | 17.68 | 24.65 | 12.86 | 11.29 | 25.21 | 20.54 | 25.16 | 16.39 | 13.89 | 13.20 | 24.81 |
| % of institutions with earnings gains | 47.56 | 48.02 | 48.47 | 42.08 | 25.21 | 45.30 | 36.48 | 47.19 | 53.40 | 54.79 | 37.66 |
| Structural Changes | |||||||||||
| New Charters | 50 | 50 | 0 | 0 | 0 | 8 | 13 | 4 | 5 | 9 | 11 |
| Institutions absorbed by mergers | 74 | 30 | 39 | 5 | 0 | 12 | 5 | 33 | 12 | 6 | 6 |
| Failed Institutions | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| PRIOR FOURTH QUARTERS (The way it was) |
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| Return on assets (%) 2006 |
1.20 | 0.68 | 1.08 | 1.10 | 1.24 | 1.26 | 1.21 | 1.19 | 1.82 | 1.10 | 0.94 |
| 2004 | 1.25 | 0.89 | 1.14 | 1.36 | 1.25 | 1.37 | 1.19 | 0.85 | 1.66 | 1.18 | 1.59 |
| 2002 | 1.20 | 0.84 | 0.99 | 1.47 | 1.20 | 0.94 | 1.21 | 1.14 | 1.57 | 1.36 | 1.66 |
| Net charge-offs to loans & leases (%) 2006 |
0.47 | 0.31 | 0.26 | 0.26 | 0.55 | 0.94 | 0.26 | 0.38 | 0.70 | 0.25 | 0.40 |
| 2004 | 0.60 | 0.39 | 0.34 | 0.45 | 0.69 | 0.88 | 0.33 | 0.59 | 0.70 | 0.34 | 0.59 |
| 2002 | 0.98 | 0.47 | 0.53 | 0.66 | 1.17 | 1.36 | 0.81 | 0.79 | 1.18 | 0.55 | 0.86 |
|
REGIONS: Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West VirginiaChicago: Illinois, Indiana, Kentucky, Missouri, Ohio, Wisconsin Dallas: Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas Kansas City: Iowa, Kansas, Minnesota, Missouri, North Dakota, Nebraska, South Dakota New York: Connecticut, District of Columbia, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico, Virgin Islands San Francisco: Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming |
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| Last Updated 02/26/2008 | Questions, Suggestions & Requests |
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