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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 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) 72,652 809 7,085 7,853 56,905 11,875 18,519 14,791 7,184 3,748 16,535
Commercial banks 63,338 774 6,143 6,752 49,669 9,664 17,531 14,289 7,055 3,199 11,602
Savings institutions 9,315 35 943 1,101 7,237 2,211 989 502 130 550 4,933
Performance Ratios (annualized,%)
Yield on earning assets 6.81 6.98 7.13 7.10 6.71 6.85 6.61 6.27 7.58 7.16 7.21
Cost of funding earning assets 3.48 2.91 3.25 3.39 3.54 3.48 3.48 3.45 3.21 3.28 3.66
Net interest margin 3.33 4.07 3.88 3.71 3.17 3.37 3.13 2.82 4.36 3.88 3.56
Noninterest income to assets 2.17 1.29 1.20 1.52 2.42 2.32 1.90 2.20 3.46 1.39 2.07
Noninterest expense to assets 2.96 3.77 3.12 2.93 2.93 3.13 2.63 2.84 4.24 3.17 2.84
Loan and lease loss provision to assets 0.34 0.17 0.17 0.28 0.38 0.52 0.16 0.24 0.63 0.20 0.45
Net operating income to assets 1.20 0.86 1.10 1.13 1.23 1.06 1.23 1.07 1.64 1.13 1.30
Pretax return on assets 1.79 1.11 1.50 1.69 1.86 1.60 1.88 1.57 2.37 1.50 1.98
Return on assets 1.21 0.86 1.11 1.13 1.24 1.07 1.26 1.06 1.64 1.13 1.31
Return on equity 11.49 6.37 10.62 10.09 11.98 8.50 12.58 11.67 15.76 10.74 11.95
Net charge-offs to loans and leases 0.47 0.14 0.15 0.29 0.56 0.82 0.24 0.34 0.63 0.21 0.60
Loan and lease loss provision to net charge-offs 118.77 188.79 157.13 140.20 114.67 110.62 109.60 127.20 140.03 149.47 115.86
Efficiency ratio 57.03 74.71 64.99 58.40 55.46 57.32 55.75 59.81 57.22 64.17 53.55
% of unprofitable institutions 9.39 15.91 4.97 3.53 2.44 14.10 13.33 8.30 5.70 6.34 15.67
% of institutions with earnings gains 49.66 48.06 51.30 47.87 45.53 37.82 47.82 44.88 51.60 58.74 54.53
Condition Ratios (%)
Earning assets to total assets 87.44 92.01 91.90 90.79 86.22 87.08 86.98 87.09 87.03 89.64 88.24
Loss Allowance to:
Loans and leases 1.09 1.30 1.15 1.19 1.05 1.43 0.87 1.16 1.21 1.09 0.95
Noncurrent loans and leases 121.29 125.22 130.32 138.77 116.75 146.56 145.77 116.78 87.68 131.86 104.13
Noncurrent assets plus other real estate owned to assets 0.61 0.80 0.75 0.67 0.58 0.58 0.42 0.63 1.11 0.65 0.66
Equity capital ratio 10.43 13.43 10.48 11.28 10.24 12.47 9.84 9.01 9.99 10.57 11.02
Core capital (leverage) ratio 8.18 13.41 10.07 9.57 7.59 9.10 7.39 7.30 8.34 8.80 9.04
Tier 1 risk-based capital ratio 10.38 19.58 13.45 12.22 9.53 12.39 9.22 8.84 9.66 11.80 11.88
Total risk-based capital ratio 12.87 20.63 14.57 13.51 12.40 14.39 11.63 11.67 12.27 13.16 14.68
Net loans and leases to deposits 91.90 76.51 86.18 94.78 92.82 87.65 92.39 87.28 98.46 83.86 99.87
Net loans to total assets 60.22 62.46 69.33 68.49 57.68 56.06 61.70 54.52 69.52 63.80 64.20
Domestic deposits to total assets 54.58 81.63 80.33 71.66 47.89 55.41 58.58 51.31 65.26 75.26 43.59
Structural Changes
New Charters 89 84 4 1 0 12 22 7 4 21 23
Institutions absorbed by mergers 153 56 83 14 0 32 20 29 23 29 20
Failed Institutions 1 1 0 0 0 1 0 0 0 0 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2006		 8,777 3,805 4,332 518 122 1,103 1,234 1,864 2,043 1,777 756
2004 9,078 4,277 4,217 468 116 1,148 1,228 1,990 2,120 1,846 746
2002 9,466 4,918 4,002 446 100 1,235 1,245 2,086 2,192 1,923 785
Total assets (in billions)
2006		 $11,526.2 $198.6 $1,269.5 $1,422.7 $8,635.4 $2,952.0 $2,861.6 $2,679.3 $825.3 $631.4 $1,576.6
2004 9,648.5 221.4 1,172.2 1,293.6 6,961.4 3,326.1 2,041.3 1,701.8 760.3 578.1 1,240.8
2002 8,039.0 247.5 1,083.4 1,292.9 5,415.2 2,762.6 1,614.6 1,514.1 420.5 555.5 1,171.6
Return on assets (%)
2006		 1.34 0.99 1.18 1.34 1.37 1.29 1.32 1.09 1.62 1.30 1.75
2004 1.33 0.99 1.17 1.47 1.34 1.15 1.37 1.37 1.52 1.33 1.58
2002 1.34 1.02 1.16 1.39 1.38 1.20 1.35 1.34 1.57 1.43 1.53
Net charge-offs to loans & leases (%)
2006		 0.34 0.13 0.13 0.19 0.40 0.51 0.15 0.23 0.36 0.19 0.53
2004 0.60 0.20 0.23 0.41 0.72 0.86 0.34 0.42 0.82 0.36 0.63
2002 0.96 0.26 0.31 0.70 1.20 1.47 0.68 0.75 1.21 0.39 0.81
Noncurrent assets plus OREO to assets (%)
2006		 0.47 0.70 0.52 0.45 0.47 0.41 0.29 0.51 0.82 0.64 0.62
2004 0.60 0.83 0.62 0.55 0.60 0.61 0.42 0.73 0.63 0.67 0.65
2002 0.91 0.87 0.72 0.71 1.00 1.02 0.79 1.02 0.82 0.83 0.74
Equity capital ratio (%)
2006		 10.27 12.51 10.22 10.90 10.12 11.03 9.49 8.92 10.62 10.14 12.41
2004 9.50 11.49 9.90 10.49 9.19 9.65 8.32 8.56 10.28 9.49 11.91
2002 9.25 11.28 10.03 9.96 8.82 8.84 9.36 8.82 10.17 9.77 10.01

*REGIONS:

Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia
Chicago: 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

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

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