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FDIC - Quarterly Banking Profile
TABLE IV-A. Full Year 2006, All FDIC-Insured Institutions
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 8,681 3,633 4,399 530 119 1,093 1,218 1,826 2,018 1,753 773
Commercial banks 7,402 3,246 3,662 406 88 575 1,074 1,507 1,914 1,629 703
Savings institutions 1,279 387 737 124 31 518 144 319 104 124 70
Total assets (in billions) $11,860.3 $189.9 $1,290.0 $1,397.7 $8,982.7 $2,214.5 $2,911.4 $2,746.2 $859.8 $652.3 $2,476.1
Commercial banks 10,090.4 170.4 1,039.6 1,076.4 7,804.1 1,575.7 2,749.9 2,593.9 822.8 547.1 1,800.9
Savings institutions 1,769.9 19.6 250.4 321.3 1,178.6 638.8 161.4 152.3 37.0 105.1 675.2
Total deposits (in billions) 7,825.2 155.9 1,035.6 992.4 5,641.3 1,395.9 1,966.9 1,746.9 627.5 494.3 1,593.7
Commercial banks 6,731.4 141.0 847.5 767.6 4,975.3 972.8 1,859.9 1,639.0 602.8 429.9 1,226.9
Savings institutions 1,093.8 14.9 188.1 224.8 666.0 423.0 107.0 107.8 24.7 64.5 366.8
Net income (in millions) 145,391 1,694 14,492 16,287 112,919 27,447 36,194 29,212 14,741 7,669 30,129
Commercial banks 128,365 1,546 12,277 13,726 100,816 21,975 34,881 28,029 14,444 6,530 22,506
Savings institutions 17,026 148 2,214 2,561 12,103 5,471 1,313 1,182 297 1,139 7,623
Performance Ratios (%)
Yield on earning assets 6.45 6.62 6.91 6.73 6.33 6.50 6.46 5.97 7.50 6.75 6.51
Cost of funding earning assets 3.14 2.51 2.88 3.05 3.21 3.14 3.19 3.20 2.92 2.82 3.18
Net interest margin 3.31 4.11 4.02 3.69 3.12 3.35 3.26 2.76 4.58 3.93 3.33
Noninterest income to assets 2.12 1.18 1.24 1.40 2.38 2.41 1.90 2.11 3.26 1.42 1.88
Noninterest expense to assets 2.93 3.62 3.20 2.78 2.89 3.06 2.63 2.77 4.23 3.19 2.79
Loan and lease loss provision to assets 0.26 0.18 0.18 0.18 0.28 0.46 0.13 0.17 0.37 0.15 0.33
Net operating income to assets 1.25 0.91 1.15 1.22 1.27 1.21 1.32 1.09 1.76 1.20 1.20
Pretax return on assets 1.88 1.18 1.58 1.80 1.95 1.88 1.96 1.59 2.62 1.63 1.92
Return on assets 1.28 0.92 1.16 1.22 1.31 1.27 1.31 1.10 1.77 1.23 1.30
Return on equity 12.31 7.04 11.27 11.44 12.75 10.45 13.27 12.16 16.29 12.05 12.00
Net charge-offs to loans and leases 0.39 0.18 0.16 0.20 0.46 0.72 0.19 0.28 0.55 0.21 0.42
Loan and lease loss provision to net charge-offs 109.84 163.60 166.21 135.23 104.15 111.71 108.89 110.55 95.93 110.96 114.01
Efficiency ratio 56.82 72.66 63.62 57.16 55.48 54.65 54.55 60.00 57.23 63.70 56.18
% of unprofitable institutions 7.83 13.60 3.96 2.08 0.84 11.07 11.82 6.68 4.61 5.31 13.84
% of institutions with earnings gains 55.52 50.59 58.60 62.45 61.34 40.53 66.34 43.87 52.97 65.89 70.38
Condition Ratios (%)
Earning assets to total assets 87.15 91.82 91.85 90.66 85.83 86.53 86.72 86.52 85.96 89.37 88.74
Loss Allowance to:
Loans and leases 1.07 1.31 1.16 1.16 1.04 1.41 0.89 1.15 1.16 1.11 0.90
Noncurrent loans and leases 137.24 137.82 163.44 170.67 128.28 163.72 190.09 125.88 88.95 134.99 121.70
Noncurrent assets plus other real estate owned to assets 0.53 0.73 0.59 0.52 0.52 0.51 0.33 0.57 1.05 0.62 0.53
Equity capital ratio 10.52 13.01 10.39 10.98 10.42 12.49 10.05 9.07 10.64 10.42 10.92
Core capital (leverage) ratio 8.23 12.99 9.99 9.37 7.69 8.99 7.49 7.24 8.76 8.69 9.23
Tier 1 risk-based capital ratio 10.52 19.20 13.49 12.27 9.68 12.31 9.36 8.99 10.09 11.99 12.05
Total risk-based capital ratio 12.98 20.27 14.62 13.56 12.53 14.38 11.67 11.79 12.81 13.29 14.82
Net loans and leases to deposits 91.44 75.29 85.42 94.39 92.48 89.41 91.41 85.25 96.75 80.88 101.24
Net loans to total assets 60.33 61.80 68.57 67.02 58.08 56.36 61.75 54.23 70.61 61.30 65.16
Domestic deposits to total assets 55.91 82.07 80.18 70.39 49.62 55.71 59.88 52.99 68.42 74.99 45.29
Structural Changes
New Charters 191 183 4 4 0 22 70 17 12 19 51
Institutions absorbed by mergers 342 135 165 31 11 37 78 70 71 48 38
Failed Institutions 0 0 0 0 0 0 0 0 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2005		 8,833 3,864 4,339 512 118 1,110 1,227 1,874 2,070 1,791 761
2003 9,181 4,390 4,210 471 110 1,173 1,227 2,011 2,133 1,866 771
2001 9,614 5,063 4,006 444 101 1,263 1,273 2,108 2,216 1,955 799
Total assets (in billions)
2005		 $10,878.2 $200.8 $1,247.5 $1,393.2 $8,036.7 $2,768.2 $2,683.9 $2,505.8 $803.6 $607.7 $1,508.9
2003 9,075.3 225.7 1,160.5 1,312.6 6,376.5 3,084.8 1,882.6 1,693.8 456.3 563.3 1,394.3
2001 7,869.1 251.2 1,070.7 1,272.5 5,274.7 2,703.4 1,586.7 1,492.9 406.4 543.3 1,136.4
Return on assets (%)
2005		 1.30 1.00 1.24 1.29 1.31 1.22 1.42 1.00 1.62 1.19 1.60
2003 1.38 0.95 1.18 1.41 1.43 1.28 1.38 1.31 1.63 1.37 1.62
2001 1.14 0.85 1.08 1.26 1.14 1.01 1.11 1.07 1.42 1.25 1.46
Net charge-offs to loans & leases (%)
2005		 0.50 0.20 0.19 0.24 0.61 0.81 0.24 0.33 0.56 0.24 0.70
2003 0.78 0.31 0.36 0.54 0.94 1.16 0.54 0.72 1.09 0.40 0.58
2001 0.83 0.33 0.35 0.83 0.96 1.02 0.75 0.79 0.80 0.43 0.80
Noncurrent assets plus OREO to assets (%)
2005		 0.50 0.68 0.52 0.44 0.50 0.44 0.30 0.54 0.86 0.73 0.59
2003 0.75 0.83 0.69 0.62 0.78 0.78 0.56 0.86 0.84 0.76 0.76
2001 0.87 0.81 0.70 0.72 0.95 0.89 0.86 0.99 0.77 0.79 0.76
Equity capital ratio (%)
2005		 10.28 12.16 10.21 10.68 10.18 10.54 9.80 9.23 10.45 10.17 12.40
2003 9.15 11.49 10.05 10.35 8.66 9.05 8.78 8.49 10.59 9.60 10.05
2001 8.98 11.08 9.85 9.49 8.58 8.77 9.62 8.47 8.93 9.38 9.12

* 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 05/31/2007 Questions, Suggestions & Requests

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