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FDIC - Quarterly Banking Profile
TABLE III-A. First Quarter 2007, All FDIC-Insured Institutions
First 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 8,650 27 4 1,617 4,720 796 116 404 905 61
Commercial banks 7,380 24 4 1,612 4,260 161 87 363 822 47
Savings institutions 1,270 3 0 5 460 635 29 41 83 14
Total assets (in billions) $11,981.2 $407.8 $2,435.7 $149.0 $4,758.0 $1,506.9 $99.5 $45.7 $119.1 $2,459.5
Commercial banks 10,133.8 392.5 2,435.7 148.5 4,276.7 288.7 47.4 37.6 101.2 2,405.6
Savings institutions 1,847.3 15.3 0.0 0.5 481.3 1,218.2 52.1 8.2 17.9 53.9
Total deposits (in billions) 7,895.1 110.1 1,435.9 122.4 3,417.6 956.4 77.2 33.1 98.2 1,644.3
Commercial banks 6,722.5 107.3 1,435.9 122.0 3,123.5 173.8 35.3 27.1 84.0 1,613.7
Savings institutions 1,172.6 2.8 0.0 0.4 294.0 782.5 41.9 6.1 14.2 30.7
Net income (in millions) 35,990 3,844 5,564 443 13,959 3,438 437 230 284 7,791
Commercial banks 31,514 3,698 5,564 442 12,714 685 284 149 265 7,713
Savings institutions 4,476 146 0 1 1,245 2,753 153 82 19 78
Performance Ratios (%)
Yield on earning assets 6.77 12.51 6.04 7.01 7.04 6.56 8.27 5.54 6.42 6.18
Cost of funding earning assets 3.45 4.34 3.57 3.10 3.31 3.85 3.24 2.38 2.79 3.29
Net interest margin 3.32 8.17 2.46 3.91 3.73 2.71 5.03 3.15 3.63 2.89
Noninterest income to assets 2.09 9.61 2.55 0.65 1.45 0.92 2.47 8.46 0.80 2.34
Noninterest expense to assets 2.94 7.95 2.97 2.66 2.79 2.04 3.46 8.21 2.86 2.82
Loan and lease loss provision to assets 0.31 2.61 0.38 0.15 0.20 0.16 1.06 0.06 0.09 0.14
Net operating income to assets 1.18 3.47 0.89 1.20 1.21 0.77 1.70 1.99 0.94 1.26
Pretax return on assets 1.78 5.71 1.36 1.43 1.72 1.40 2.74 3.08 1.20 1.88
Return on assets 1.21 3.70 0.93 1.19 1.18 0.91 1.79 2.05 0.96 1.27
Return on equity 11.44 15.38 12.10 11.05 10.46 9.07 17.38 10.02 8.61 12.97
Net charge-offs to loans and leases 0.45 3.86 0.57 0.14 0.22 0.21 1.43 0.18 0.15 0.31
Loan and lease loss provision to net charge-offs 113.08 92.66 153.20 164.43 131.43 108.01 95.49 160.04 104.93 85.56
Efficiency ratio 57.56 46.22 62.88 62.08 57.55 59.01 48.35 72.16 68.81 57.51
% of unprofitable institutions 8.87 11.11 0.00 3.90 9.32 13.57 7.76 22.52 5.75 1.64
% of institutions with earnings gains 48.38 37.04 50.00 52.26 51.55 26.26 40.52 43.81 47.40 54.10
Condition Ratios(%)
Earning assets to total assets 87.75 77.92 85.98 92.31 88.92 91.52 92.68 89.06 92.07 85.88
Loss allowance to:
Loans and leases 1.08 3.86 1.09 1.36 1.13 0.50 1.43 1.32 1.21 0.73
Noncurrent loans and leases 129.89 212.73 126.57 130.62 149.58 59.67 209.78 201.00 142.43 94.97
Noncurrent assets plus other real estate owned to assets 0.56 1.32 0.40 0.79 0.61 0.67 0.55 0.18 0.59 0.45
Equity capital ratio 10.58 24.48 7.67 10.87 11.33 10.15 10.25 20.27 11.14 9.76
Core capital (leverage) ratio 8.23 15.94 6.04 10.38 9.03 8.12 9.73 18.56 10.86 7.20
Tier 1 risk-based capital ratio 10.52 15.02 8.11 14.04 10.56 13.08 11.68 43.55 17.91 9.62
Total risk-based capital ratio 12.99 18.14 11.58 15.13 12.77 14.77 12.62 44.56 19.06 12.18
Net loans and leases to deposits 91.17 259.80 72.70 79.58 95.91 108.17 98.87 30.50 67.30 79.44
Net loans to total assets 60.08 70.17 42.86 65.38 68.89 68.65 76.72 22.08 55.48 53.11
Domestic deposits to total assets 55.88 24.95 28.03 82.15 69.26 63.41 76.33 70.20 82.43 54.10
Structural Changes
New Charters 41 1 0 1 12 0 0 27 0 0
Institutions absorbed by mergers 72 1 0 8 53 4 1 1 1 3
Failed Institutions 1 0 0 0 0 1 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2006		 8,790 30 4 1,647 4,629 864 120 436 1,001 59
2004 9,116 34 6 1,730 4,278 1,026 140 519 1,296 87
2002 9,521 48 6 1,852 4,031 1,201 214 463 1,611 95
Total assets (in billions)
2006		 $11,209.8 $370.2 $1,972.3 $140.3 $3,844.9 $1,745.6 $98.6 $50.0 $128.6 $2,859.2
2004 9,377.2 332.3 1,492.8 127.7 2,898.5 1,396.0 506.3 58.8 168.0 2,396.7
2002 7,823.5 299.3 1,210.8 118.5 3,579.5 1,191.1 151.4 49.5 198.3 1,025.1
Return on assets (%)
2006		 1.34 4.57 1.16 1.26 1.35 1.05 2.19 -1.31 1.06 1.23
2004 1.38 3.93 1.12 1.27 1.33 1.17 1.52 1.38 1.10 1.36
2002 1.29 3.22 0.82 1.25 1.34 1.31 1.44 -2.16 1.15 1.26
Net charge-offs to loans & leases (%)
2006		 0.32 2.95 0.53 0.09 0.17 0.11 0.95 0.16 0.12 0.18
2004 0.64 5.17 1.30 0.12 0.31 0.12 0.71 0.70 0.24 0.34
2002 0.98 7.09 1.49 0.20 0.62 0.16 1.10 0.67 0.24 0.84
Noncurrent assets plus OREO to assets (%)
2006		 0.48 1.17 0.42 0.67 0.49 0.55 0.51 0.23 0.53 0.37
2004 0.67 1.45 0.85 0.85 0.65 0.57 0.91 0.36 0.68 0.46
2002 0.92 1.73 1.14 0.91 0.92 0.68 1.24 0.34 0.67 0.70
Equity capital ratio (%)
2006		 10.38 27.22 7.95 10.81 10.29 10.81 9.63 19.39 11.04 9.55
2004 9.45 17.58 7.41 10.81 9.51 9.07 8.90 16.60 10.77 9.50
2002 9.22 14.83 7.57 10.56 9.62 8.83 8.41 16.30 10.25 8.02
* See Table IV-A (page 8) for explanations

Last Updated 05/31/2007 Questions, Suggestions & Requests

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