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FDIC - Quarterly Banking Profile
TABLE III-A. Second Quarter 2007, All FDIC-Insured Institutions
Second Quarter
(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 8,615 26 4 1,645 4,731 804 119 378 851 57
Commercial banks 7,350 24 4 1,640 4,262 181 87 331 777 44
Savings institutions 1,265 2 0 5 469 623 32 47 74 13
Total assets (in billions) $12,261.0 $395.0 $2,544.3 $155.6 $4,789.4 $1,550.8 $117.7 $42.4 $113.1 $2,552.7
Commercial banks 10,411.0 393.3 2,544.3 155.2 4,323.2 327.1 48.7 34.3 97.3 2,487.6
Savings institutions 1,850.0 1.7 0.0 0.5 466.1 1,223.8 69.0 8.1 15.8 65.1
Total deposits (in billions) 8,035.3 109.7 1,512.2 126.8 3,457.3 970.0 83.0 30.2 93.3 1,652.8
Commercial banks 6,865.3 108.8 1,512.2 126.4 3,152.3 192.7 37.3 24.7 80.7 1,630.2
Savings institutions 1,169.9 0.9 0.0 0.4 305.0 777.3 45.7 5.6 12.6 22.6
Net income (in millions) 36,734 3,293 6,172 488 13,799 3,517 882 251 317 8,015
Commercial banks 31,915 3,264 6,172 487 12,607 861 305 166 292 7,759
Savings institutions 4,819 29 0 1 1,191 2,655 576 85 24 256
Performance Ratios (annualized,%)
Yield on earning assets 6.85 12.83 6.24 7.21 7.11 6.59 8.71 5.54 6.53 6.20
Cost of funding earning assets 3.51 4.54 3.69 3.20 3.40 3.89 2.81 2.51 2.83 3.28
Net interest margin 3.34 8.30 2.55 4.01 3.71 2.70 5.90 3.04 3.70 2.92
Noninterest income to assets 2.25 10.37 2.49 0.69 1.63 1.23 2.93 10.05 1.26 2.50
Noninterest expense to assets 2.99 8.09 2.87 2.70 2.91 2.18 4.24 9.13 3.18 2.81
Loan and lease loss provision to assets 0.37 3.42 0.32 0.15 0.26 0.24 1.10 0.07 0.11 0.24
Net operating income to assets 1.22 3.34 1.02 1.28 1.20 0.83 1.98 2.34 1.10 1.29
Pretax return on assets 1.81 5.31 1.43 1.52 1.70 1.40 4.76 3.58 1.40 1.95
Return on assets 1.21 3.34 0.99 1.27 1.16 0.91 3.04 2.36 1.12 1.28
Return on equity 11.54 13.97 12.96 11.54 10.82 8.92 22.06 11.26 10.07 12.05
Net charge-offs to loans and leases 0.50 3.89 0.60 0.15 0.30 0.25 1.85 0.25 0.18 0.32
Loan and lease loss provision to net charge-offs 123.87 121.05 122.90 151.80 124.87 136.64 75.09 118.13 108.37 141.48
Efficiency ratio 56.52 44.39 60.63 61.19 57.94 57.84 49.93 71.05 67.83 55.05
% of unprofitable institutions 9.56 11.54 0.00 3.77 11.01 12.81 7.56 24.60 3.76 1.75
% of institutions with earnings gains 49.07 57.69 75.00 55.87 49.86 32.21 57.14 41.27 49.12 52.63
Structural Changes
New Charters 48 0 0 2 13 2 0 31 0 0
Institutions absorbed by mergers 81 0 0 6 68 2 0 0 1 4
Failed Institutions 0 0 0 0 0 0 0 0 0 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2006		 1.34 4.64 1.01 1.31 1.33 1.07 1.79 2.74 1.02 1.29
2004 1.31 4.08 0.68 1.27 1.36 1.21 1.54 1.28 1.10 1.33
2002 1.37 3.68 1.17 1.30 1.28 1.28 1.60 1.69 1.20 1.35
Net charge-offs to loans & leases (%)
2006		 0.35 3.43 0.59 0.17 0.17 0.13 0.92 0.56 0.18 0.19
2004 0.58 5.08 0.99 0.18 0.32 0.11 1.15 0.41 0.29 0.31
2002 0.94 5.78 1.48 0.30 0.73 0.17 1.00 0.67 0.31 0.70
* See Table IV-A (page 8) for explanations

Last Updated 08/22/2007 Questions, Suggestions & Requests

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