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FDIC - Quarterly Banking Profile
TABLE IV-A.Full Year 2006, All FDIC-Insured Institutions
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 8,681 26 4 1,634 4,712 817 124 412 895 57
Commercial banks 7,402 24 4 1,628 4,246 177 95 370 815 43
Savings institutions 1,279 2 0 6 466 640 29 42 80 14
Total assets (in billions) $11,860.3 $408.4 $2,337.2 $149.2 $4,904.9 $1,445.0 $109.9 $42.2 $119.5 $2,344.0
Commercial banks 10,090.4 406.6 2,337.2 148.7 4,415.5 312.7 41.4 34.7 103.1 2,290.5
Savings institutions 1,769.9 1.8 0.0 0.5 489.4 1,132.2 68.6 7.5 16.5 53.5
Total deposits (in billions) 7,825.2 107.8 1,417.0 122.2 3,517.8 915.3 76.3 29.9 97.6 1,541.2
Commercial banks 6,731.4 107.1 1,417.0 121.7 3,226.0 207.4 31.1 24.5 84.6 1,512.1
Savings institutions 1,093.8 0.8 0.0 0.4 291.9 707.9 45.3 5.4 13.1 29.1
Net income (in millions) 145,391 15,616 22,388 1,765 60,211 13,000 1,967 673 1,218 28,553
Commercial banks 128,365 15,529 22,388 1,759 55,087 3,147 997 283 1,134 28,041
Savings institutions 17,026 87 0 6 5,124 9,853 970 390 84 512
Performance Ratios (%)
Yield on earning assets 6.45 12.84 5.60 6.83 6.73 5.82 8.84 5.39 6.21 6.06
Cost of funding earning assets 3.14 4.01 3.34 2.79 3.00 3.31 3.31 2.28 2.49 3.08
Net interest margin 3.31 8.82 2.26 4.04 3.74 2.51 5.52 3.11 3.72 2.99
Noninterest income to assets 2.12 11.19 2.31 0.68 1.52 1.24 2.49 8.62 1.06 2.20
Noninterest expense to assets 2.93 8.72 2.77 2.73 2.78 2.14 4.67 8.76 3.05 2.72
Loan and lease loss provision to assets 0.26 2.65 0.23 0.16 0.18 0.12 1.43 0.17 0.12 0.09
Net operating income to assets 1.25 4.19 0.90 1.24 1.30 0.84 0.94 1.42 1.04 1.26
Pretax return on assets 1.88 6.52 1.39 1.49 1.85 1.45 2.71 2.50 1.30 1.92
Return on assets 1.28 4.19 1.01 1.23 1.28 0.94 1.75 1.50 1.04 1.26
Return on equity 12.31 16.81 12.45 11.48 11.77 10.40 14.23 6.92 9.61 12.98
Net charge-offs to loans and leases 0.39 3.48 0.48 0.17 0.22 0.15 1.40 0.40 0.20 0.22
Loan and lease loss provision to net charge-offs 109.84 107.62 104.20 134.88 124.31 111.42 126.51 158.15 108.32 78.88
Efficiency ratio 56.82 44.97 63.77 61.75 56.32 59.24 60.75 68.91 67.87 56.27
% of unprofitable institutions 7.83 3.85 0.00 2.63 8.93 9.91 6.45 22.33 3.69 1.75
% of institutions with earnings gains 55.52 76.92 75.00 53.06 63.65 27.29 50.81 45.87 46.82 64.91
Condition Ratios (%)
Earning assets to total assets 87.15 75.96 85.33 91.55 88.55 91.14 91.26 88.19 91.67 84.81
Loss Allowance to:
Loans and leases 1.07 3.82 1.03 1.34 1.11 0.49 1.82 1.42 1.22 0.74
Noncurrent loans and leases 137.24 201.53 121.83 154.84 164.45 70.71 176.03 193.48 150.09 92.46
Noncurrent assets plus other real estate owned to assets 0.53 1.37 0.40 0.67 0.54 0.56 0.85 0.20 0.56 0.45
Equity capital ratio 10.52 22.88 7.75 10.73 11.16 9.91 14.16 21.10 10.98 9.78
Core capital (leverage) ratio 8.23 15.33 6.04 10.35 9.02 7.94 12.94 18.87 10.83 7.20
Tier 1 risk-based capital ratio 10.52 12.62 8.27 13.95 10.49 12.78 16.01 44.64 17.81 9.95
Total risk-based capital ratio 12.98 15.74 11.85 15.04 12.68 14.43 17.00 45.75 18.98 12.46
Net loans and leases to deposits 91.44 262.66 72.36 79.81 95.41 110.39 112.67 30.80 68.05 79.23
Net loans to total assets 60.33 69.35 43.87 65.33 68.43 69.93 78.22 21.81 55.58 52.09
Domestic deposits to total assets 55.91 22.85 29.54 81.86 68.75 63.26 68.22 69.11 81.64 52.80
Structural Changes
New Charters 191 0 0 3 50 2 2 128 5 1
Institutions absorbed by mergers 342 3 5 32 266 11 1 4 9 11
Failed Institutions 0 0 0 0 0 0 0 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2005		 8,833 33 4 1,685 4,617 887 125 425 995 62
2003 9,181 36 6 1,767 4,254 1,033 157 529 1,308 91
2001 9,614 56 5 1,875 3,967 1,242 228 477 1,663 101
Total assets (in billions)
2005		 $10,878.2 $359.1 $1,851.2 $142.3 $4,257.3 $1,655.1 $117.3 $47.7 $128.7 $2,319.6
2003 9,075.3 348.4 1,448.0 129.5 2,923.8 1,657.6 146.6 61.1 171.1 2,189.3
2001 7,869.1 334.7 1,176.3 120.1 3,539.1 1,178.8 140.8 49.7 202.9 1,126.7
Return on assets (%)
2005		 1.30 2.90 0.86 1.27 1.37 1.07 1.55 2.19 1.09 1.41
2003 1.38 4.08 1.10 1.20 1.28 1.38 1.31 1.85 1.06 1.34
2001 1.14 2.89 0.84 1.12 1.12 1.05 1.29 1.84 1.04 1.09
Net charge-offs to loans & leases (%)
2005		 0.50 4.64 0.87 0.18 0.23 0.12 1.44 0.26 0.23 0.25
2003 0.78 5.22 1.40 0.28 0.46 0.18 2.09 1.22 0.38 0.62
2001 0.83 4.52 0.88 0.36 0.68 0.19 1.39 0.50 0.33 0.75
Noncurrent assets plus OREO to assets (%)
2005		 0.50 1.32 0.46 0.61 0.48 0.56 0.51 0.24 0.54 0.39
2003 0.75 1.63 0.93 0.81 0.68 0.73 0.99 0.33 0.71 0.59
2001 0.87 1.54 1.00 0.81 0.92 0.65 1.30 0.31 0.66 0.64
Equity capital ratio (%)
2005		 10.28 21.51 8.30 10.54 10.83 9.39 10.11 19.47 10.83 9.53
2003 9.15 16.04 7.39 10.64 9.24 9.10 7.30 16.74 10.45 8.87
2001 8.98 13.12 7.51 10.47 9.46 8.25 7.60 17.56 10.37 7.95

* 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 05/31/2007 Questions, Suggestions & Requests

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