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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 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 8,650 3,598 4,397 536 119 1,089 1,221 1,818 2,007 1,742 773
Commercial banks 7,380 3,212 3,672 408 88 575 1,076 1,500 1,902 1,622 705
Savings institutions 1,270 386 725 128 31 514 145 318 105 120 68
Total assets (in billions) $11,981.2 $189.6 $1,298.2 $1,420.9 $9,072.4 $2,202.7 $2,948.7 $2,778.8 $863.5 $662.8 $2,524.8
Commercial banks 10,133.8 169.8 1,052.3 1,083.2 7,828.5 1,563.4 2,680.3 2,625.2 825.7 556.8 1,882.5
Savings institutions 1,847.3 19.8 245.9 337.6 1,244.0 639.2 268.5 153.6 37.7 106.0 642.3
Total deposits (in billions) 7,895.1 155.7 1,046.9 1,027.4 5,665.0 1,405.6 1,979.6 1,738.2 636.8 507.2 1,627.8
Commercial banks 6,722.5 140.6 860.3 790.3 4,931.3 972.6 1,804.6 1,627.3 610.8 441.4 1,265.9
Savings institutions 1,172.6 15.1 186.6 237.2 733.7 433.0 175.0 110.9 26.0 65.8 361.9
Net income (in millions) 35,990 402 3,506 4,052 28,030 6,077 9,065 7,429 3,776 1,825 7,818
Commercial banks 31,514 373 3,104 3,461 24,576 5,065 8,501 7,191 3,704 1,577 5,475
Savings institutions 4,476 29 402 591 3,454 1,012 564 238 71 248 2,343
Performance Ratios (annualized, %)
Yield on earning assets 6.77 6.96 7.10 7.02 6.68 6.83 6.58 6.23 7.56 7.09 7.19
Cost of funding earning assets 3.45 2.89 3.21 3.35 3.51 3.45 3.44 3.41 3.17 3.26 3.63
Net interest margin 3.32 4.07 3.89 3.67 3.17 3.37 3.14 2.82 4.39 3.84 3.55
Noninterest income to assets 2.09 1.21 1.16 1.47 2.34 2.24 1.82 2.15 3.43 1.35 1.94
Noninterest expense to assets 2.94 3.69 3.13 2.86 2.91 3.11 2.63 2.81 4.24 3.14 2.82
Loan and lease loss provision to assets 0.31 0.16 0.16 0.25 0.34 0.44 0.11 0.21 0.51 0.17 0.49
Net operating income to assets 1.18 0.85 1.08 1.14 1.21 1.08 1.22 1.06 1.74 1.11 1.19
Pretax return on assets 1.78 1.10 1.47 1.71 1.85 1.64 1.84 1.60 2.50 1.48 1.88
Return on assets 1.21 0.86 1.09 1.15 1.24 1.10 1.24 1.08 1.75 1.11 1.25
Return on equity 11.44 6.47 10.43 10.31 11.91 8.73 12.31 11.80 16.53 10.59 11.44
Net charge-offs to loans and leases 0.45 0.14 0.13 0.25 0.55 0.81 0.22 0.31 0.62 0.19 0.55
Loan and lease loss provision to net charge-offs 113.08 186.87 170.95 149.69 107.27 96.19 85.15 122.44 113.39 140.67 136.90
Efficiency ratio 57.56 74.40 65.58 58.35 56.03 57.65 56.84 59.77 57.25 64.63 54.44
% of unprofitable institutions 8.87 15.20 4.55 3.17 2.52 13.31 12.20 8.75 6.03 5.40 12.81
% of institutions with earnings gains 48.38 46.66 49.83 48.51 46.22 34.80 47.91 43.34 49.38 58.96 53.69
Condition Ratios(%)
Earning assets to total assets 87.75 92.26 92.14 91.11 86.51 87.05 87.26 87.67 87.13 89.70 88.75
Loss Allowance to:
Loans and leases 1.08 1.31 1.18 1.17 1.04 1.40 0.88 1.17 1.16 1.12 0.95
Noncurrent loans and leases 129.89 131.07 146.86 155.84 122.91 153.69 172.26 120.87 88.51 133.30 114.26
Noncurrent assets plus other real estate owned to assets 0.56 0.77 0.67 0.57 0.54 0.55 0.36 0.60 1.07 0.63 0.58
Equity capital ratio 10.58 13.24 10.50 11.24 10.44 12.73 10.04 9.13 10.57 10.59 10.94
Core capital (leverage) ratio 8.23 13.17 10.05 9.46 7.66 9.09 7.38 7.36 8.58 8.76 9.16
Tier 1 risk-based capital ratio 10.52 19.42 13.52 12.36 9.66 12.50 9.31 9.02 10.10 12.01 11.91
Total risk-based capital ratio 12.99 20.49 14.64 13.64 12.53 14.61 11.72 11.78 12.78 13.33 14.65
Net loans and leases to deposits 91.17 75.05 84.90 93.62 92.34 88.95 91.60 85.70 96.77 79.95 99.73
Net loans to total assets 60.08 61.63 68.46 67.70 57.66 56.76 61.50 53.61 71.37 61.18 64.30
Domestic deposits to total assets 55.88 82.11 80.52 71.68 49.32 56.64 59.92 52.31 68.70 75.66 44.84
Structural Changes
New Charters 41 37 3 1 0 7 12 4 2 7 9
Institutions absorbed by mergers 72 30 35 7 0 11 8 13 13 17 10
Failed Institutions 1 1 0 0 0 1 0 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2006		 8,790 3,826 4,334 511 119 1,106 1,225 1,863 2,055 1,783 758
2004 9,116 4,300 4,238 465 113 1,162 1,231 1,996 2,122 1,853 752
2002 9,521 5,000 3,982 437 102 1,238 1,255 2,097 2,202 1,940 789
Total assets (in billions)
2006		 $11,209.8 $199.0 $1,259.4 $1,395.6 $8,355.8 $2,866.2 $2,759.4 $2,604.0 $819.6 $620.7 $1,539.9
2004 9,377.2 221.9 1,169.4 1,282.1 6,703.9 3,186.8 1,995.6 1,700.3 738.8 571.0 1,184.9
2002 7,823.5 250.0 1,068.7 1,261.3 5,243.6 2,651.7 1,571.3 1,468.8 415.6 545.6 1,170.6
Return on assets (%)
2006		 1.34 0.95 1.11 1.30 1.39 1.29 1.33 1.10 1.59 1.31 1.71
2004 1.38 1.00 1.17 1.48 1.41 1.32 1.32 1.38 1.52 1.35 1.57
2002 1.29 0.98 0.99 1.42 1.34 1.16 1.35 1.23 1.54 1.36 1.48
Net charge-offs to loans & leases (%)
2006		 0.32 0.12 0.12 0.18 0.39 0.47 0.16 0.23 0.35 0.16 0.52
2004 0.64 0.19 0.22 0.44 0.78 0.96 0.36 0.43 0.90 0.34 0.66
2002 0.98 0.22 0.29 0.68 1.24 1.54 0.64 0.78 1.21 0.39 0.78
Noncurrent assets plus OREO to assets (%)
2006		 0.48 0.69 0.52 0.44 0.48 0.39 0.31 0.53 0.84 0.68 0.60
2004 0.67 0.84 0.66 0.59 0.68 0.69 0.46 0.79 0.88 0.75 0.59
2002 0.92 0.85 0.73 0.75 1.00 0.98 0.83 1.04 0.83 0.84 0.80
Equity capital ratio (%)
2006		 10.38 12.29 10.28 10.78 10.28 11.15 9.77 9.02 10.48 10.19 12.36
2004 9.45 11.73 10.18 10.71 9.00 9.13 8.58 8.74 10.44 9.64 12.07
2002 9.22 11.03 9.85 9.75 8.88 8.96 9.35 8.80 9.95 9.56 9.75
* See Table IV-A (page 9) for explanations

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

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