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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 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 8,615 3,583 4,370 539 123 1,071 1,215 1,807 2,000 1,750 772
Commercial banks 7,350 3,197 3,649 413 91 564 1,070 1,490 1,895 1,628 703
Savings institutions 1,265 386 721 126 32 507 145 317 105 122 69
Total assets (in billions) $12,261.0 $189.8 $1,294.4 $1,411.7 $9,365.1 $2,261.5 $3,004.4 $2,830.9 $910.0 $674.4 $2,579.8
Commercial banks 10,411.0 169.9 1,046.3 1,086.0 8,108.8 1,609.3 2,731.6 2,676.0 872.2 564.9 1,957.0
Savings institutions 1,850.0 19.9 248.2 325.7 1,256.3 652.1 272.8 154.9 37.8 109.5 622.8
Total deposits (in billions) 8,035.3 155.0 1,041.3 1,020.0 5,818.9 1,446.5 2,006.6 1,768.3 642.5 513.1 1,658.3
Commercial banks 6,865.3 139.8 853.0 788.3 5,084.2 1,011.1 1,830.3 1,657.5 616.2 444.3 1,306.0
Savings institutions 1,169.9 15.2 188.3 231.7 734.8 435.4 176.3 110.8 26.3 68.8 352.4
Net income (in millions) 36,734 413 3,701 3,880 28,740 5,811 9,447 7,386 3,416 1,932 8,742
Commercial banks 31,915 394 3,144 3,387 24,990 4,608 9,043 7,122 3,358 1,630 6,154
Savings institutions 4,819 19 557 493 3,751 1,203 404 263 58 302 2,589
Performance Ratios (annualized,%)
Yield on earning assets 6.85 7.08 7.20 7.15 6.75 6.89 6.64 6.31 7.64 7.24 7.28
Cost of funding earning assets 3.51 2.97 3.29 3.43 3.57 3.52 3.52 3.48 3.27 3.32 3.67
Net interest margin 3.34 4.12 3.90 3.72 3.18 3.37 3.12 2.82 4.37 3.92 3.60
Noninterest income to assets 2.25 1.31 1.26 1.56 2.51 2.41 1.98 2.25 3.51 1.42 2.18
Noninterest expense to assets 2.99 3.82 3.14 2.99 2.96 3.18 2.64 2.88 4.28 3.20 2.87
Loan and lease loss provision to assets 0.37 0.18 0.18 0.30 0.42 0.60 0.21 0.26 0.74 0.23 0.41
Net operating income to assets 1.22 0.86 1.14 1.11 1.25 1.04 1.23 1.07 1.55 1.14 1.41
Pretax return on assets 1.81 1.12 1.55 1.66 1.88 1.57 1.91 1.55 2.27 1.53 2.08
Return on assets 1.21 0.88 1.15 1.11 1.24 1.04 1.27 1.05 1.54 1.16 1.37
Return on equity 11.54 6.47 10.98 9.84 12.03 8.27 12.79 11.59 15.01 10.91 12.49
Net charge-offs to loans and leases 0.50 0.14 0.18 0.33 0.59 0.84 0.26 0.37 0.63 0.23 0.64
Loan and lease loss provision to net charge-offs 123.87 204.40 143.59 133.32 121.46 124.39 129.97 131.00 165.65 157.51 97.95
Efficiency ratio 56.52 74.64 64.20 58.61 54.88 57.03 54.83 59.75 57.19 63.76 52.63
% of unprofitable institutions 9.56 15.80 5.38 3.53 3.25 13.17 13.91 8.25 6.00 7.03 15.80
% of institutions with earnings gains 49.07 47.25 50.57 49.35 47.15 40.06 42.88 46.21 53.10 55.89 52.07
Structural Changes
New Charters 48 47 1 0 0 5 10 3 2 14 14
Institutions absorbed by mergers 81 26 48 7 0 21 12 16 10 12 10
Failed Institutions 0 0 0 0 0 0 0 0 0 0 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2006		 1.34 1.02 1.26 1.34 1.36 1.28 1.32 1.09 1.63 1.29 1.78
2004 1.31 0.98 1.17 1.46 1.32 1.08 1.40 1.36 1.53 1.31 1.59
2002 1.37 1.06 1.20 1.38 1.42 1.25 1.35 1.35 1.60 1.50 1.57
Net charge-offs to loans & leases (%)
2006		 0.35 0.15 0.15 0.20 0.42 0.56 0.15 0.23 0.37 0.22 0.54
2004 0.58 0.23 0.23 0.45 0.68 0.85 0.32 0.41 0.76 0.39 0.61
2002 0.94 0.31 0.35 0.73 1.16 1.40 0.72 0.73 1.21 0.39 0.83
* See Table IV-A (page 9) for explanations

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

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