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FDIC - Quarterly Banking Profile
TABLE IV-A.First-Half 2007, All FDIC-Insured Institutions
FIRST-HALF
(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) 72,652 7,002 11,736 935 27,433 7,010 1,448 477 607 16,003
Commercial banks 63,338 6,955 11,736 933 25,224 1,598 586 317 563 15,425
Savings institutions 9,315 47 0 2 2,210 5,412 862 160 44 578
Performance Ratios (annualized,%)
Yield on earning assets 6.81 12.67 6.15 7.10 7.06 6.59 8.64 5.48 6.47 6.17
Cost of funding earning assets 3.48 4.46 3.64 3.15 3.36 3.87 2.99 2.49 2.80 3.25
Net interest margin 3.33 8.21 2.51 3.96 3.70 2.71 5.65 2.99 3.67 2.92
Noninterest income to assets 2.17 10.00 2.52 0.67 1.55 1.05 2.80 9.45 1.23 2.42
Noninterest expense to assets 2.96 7.90 2.92 2.68 2.86 2.09 4.27 8.70 3.17 2.81
Loan and lease loss provision to assets 0.34 2.94 0.35 0.15 0.23 0.20 1.37 0.07 0.10 0.19
Net operating income to assets 1.20 3.51 0.96 1.23 1.20 0.79 1.53 2.21 1.06 1.28
Pretax return on assets 1.79 5.49 1.40 1.47 1.69 1.40 3.93 3.39 1.35 1.94
Return on assets 1.21 3.51 0.96 1.23 1.16 0.91 2.54 2.25 1.08 1.29
Return on equity 11.49 14.84 12.53 11.23 10.83 8.96 18.18 10.73 9.70 12.02
Net charge-offs to loans and leases 0.47 3.84 0.58 0.15 0.26 0.24 1.85 0.23 0.16 0.31
Loan and lease loss provision to net charge-offs 118.77 105.61 137.31 156.26 127.37 123.74 93.08 125.49 108.70 114.33
Efficiency ratio 57.03 44.65 61.73 61.68 57.96 58.30 52.70 71.25 68.62 55.97
% of unprofitable institutions 9.39 11.54 0.00 3.53 10.82 13.18 7.56 23.28 3.76 1.75
% of institutions with earnings gains 49.66 46.15 50.00 54.59 52.25 27.86 47.90 43.12 49.47 50.88
Condition Ratios(%)
Earning assets to total assets 87.44 77.95 85.23 91.72 88.69 91.24 92.10 88.01 91.95 85.77
Loss Allowance to:
Loans and leases 1.09 3.96 1.11 1.33 1.13 0.52 1.59 1.30 1.20 0.75
Noncurrent loans and leases 121.29 220.95 131.52 128.24 133.97 51.94 201.32 153.06 135.61 93.16
Noncurrent assets plus other real estate owned to assets 0.61 1.31 0.41 0.80 0.68 0.81 0.63 0.23 0.60 0.46
Equity capital ratio 10.43 23.88 7.64 11.15 10.68 10.22 13.72 21.02 11.10 10.40
Core capital (leverage) ratio 8.18 15.06 5.89 10.49 8.46 8.22 12.73 19.09 10.97 8.31
Tier 1 risk-based capital ratio 10.38 13.77 8.01 13.81 9.75 13.15 15.26 43.86 18.07 10.94
Total risk-based capital ratio 12.87 16.87 11.55 14.89 11.98 14.84 16.27 44.90 19.22 13.42
Net loans and leases to deposits 91.90 252.58 73.71 82.19 96.44 111.05 110.27 32.08 68.07 79.40
Net loans to total assets 60.22 70.14 43.81 66.96 69.61 69.46 77.73 22.89 56.13 51.41
Domestic deposits to total assets 54.58 25.33 26.83 81.47 69.12 62.44 69.28 69.00 82.40 50.91
Structural Changes
New Charters 89 1 0 3 25 2 0 58 0 0
Institutions absorbed by mergers 153 1 0 14 121 6 1 1 2 7
Failed Institutions 1 0 0 0 0 1 0 0 0 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2006		 8,777 29 5 1,681 4,708 861 123 404 910 56
2004 9,078 36 6 1,775 4,350 997 144 488 1,195 87
2002 9,466 47 6 1,892 4,079 1,168 216 440 1,526 92
Total assets (in billions)
2006		 $11,526.2 $376.8 $2,097.8 $146.6 $4,552.3 $1,765.2 $97.5 $45.3 $117.1 $2,327.6
2004 9,648.5 334.4 1,554.5 135.7 3,031.1 1,402.0 160.7 57.1 155.6 2,817.4
2002 8,039.0 299.4 1,294.8 123.3 3,356.5 1,191.8 163.2 48.4 189.7 1,371.8
Return on assets (%)
2006		 1.34 4.58 1.08 1.29 1.33 1.06 2.00 0.88 1.02 1.27
2004 1.33 3.97 0.89 1.26 1.35 1.22 1.58 1.36 1.10 1.29
2002 1.34 3.44 0.99 1.28 1.30 1.29 1.52 1.31 1.19 1.33
Net charge-offs to loans & leases (%)
2006		 0.34 3.14 0.55 0.14 0.17 0.12 0.94 0.74 0.15 0.19
2004 0.60 5.03 1.13 0.15 0.32 0.12 1.29 0.50 0.27 0.29
2002 0.96 6.42 1.49 0.24 0.67 0.16 1.04 0.51 0.28 0.76
Noncurrent assets plus OREO to assets (%)
2006		 0.47 1.28 0.40 0.67 0.46 0.54 0.60 0.21 0.53 0.36
2004 0.60 1.33 0.75 0.80 0.59 0.58 0.79 0.30 0.64 0.43
2002 0.91 1.54 1.16 0.94 0.89 0.66 1.22 0.35 0.68 0.82
Equity capital ratio (%)
2006		 10.27 27.09 8.05 10.73 10.20 10.64 9.92 21.35 10.79 9.13
2004 9.50 18.01 7.18 10.52 9.35 8.65 7.99 16.25 10.38 10.23
2002 9.25 15.64 7.20 10.82 9.62 9.10 8.56 17.55 10.53 8.46

* Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive):

Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.
International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices.
Agricultural Banks - Banks whose agricultural production loans plus real estate loans secured by farmland exceed 25 percent of total loans and leases.
Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties exceed 25 percent of total assets.
Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets.
Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets.
Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets.
All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.
All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.

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

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