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Quarterly Banking Profile
TABLE III-A. Full Year 2008, All FDIC-Insured Institutions
Full Year
(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 8,305 26 5 1,558 4,752 838 91 281 710 44
Commercial banks 7,085 22 5 1,554 4,248 230 71 259 662 34
Savings institutions 1,220 4 0 4 504 608 20 22 48 10
Total assets (in billions) $13,847.3 $513.0 $3,410.1 $168.8 $5,465.6 $997.5 $122.2 $34.7 $94.9 $3,040.5
Commercial banks 12,312.9 487.1 3,410.1 168.3 4,943.6 183.3 66.1 30.5 84.2 2,939.8
Savings institutions 1,534.4 26.0 0.0 0.4 522.0 814.3 56.1 4.2 10.7 100.7
Total deposits (in billions) 9,035.7 200.0 2,139.2 135.6 3,872.2 548.6 87.2 25.8 77.6 1,949.6
Commercial banks 8,082.1 183.0 2,139.2 135.2 3,528.8 68.8 43.1 22.9 68.9 1,892.1
Savings institutions 953.6 17.0 0.0 0.4 343.4 479.8 44.1 2.9 8.6 57.5
Net income (in millions) 10,170 7,915 8,061 1,642 -1,963 -4,153 -7 493 798 -2,617
Commercial banks 18,726 7,592 8,061 1,638 -1,209 2,292 7 290 817 -762
Savings institutions -8,556 323 0 3 -753 -6,445 -15 204 -19 -1,854
Performance Ratios (%)
Yield on earning assets 5.36 12.21 5.13 6.38 5.88 4.91 6.64 4.52 6.10 3.61
Cost of funding earning assets 2.18 2.81 2.26 2.48 2.28 2.47 2.90 1.67 2.28 1.66
Net interest margin 3.18 9.41 2.86 3.90 3.60 2.43 3.74 2.85 3.82 1.94
Noninterest income to assets 1.58 8.00 1.75 0.65 1.45 0.44 1.79 11.45 0.86 0.92
Noninterest expense to assets 2.77 6.65 2.87 2.65 3.17 1.56 2.95 11.18 2.98 1.62
Loan and lease loss provision to assets 1.32 6.69 1.19 0.35 1.29 1.42 2.43 0.13 0.27 0.70
Net operating income to assets 0.11 1.41 0.11 1.04 0.02 -0.38 -0.06 1.64 0.94 0.14
Pretax return on assets 0.12 2.60 0.15 1.18 0.06 -0.34 -0.04 2.40 1.01 -0.13
Return on assets 0.08 1.70 0.25 1.01 -0.04 -0.43 -0.01 1.45 0.86 -0.09
Return on equity 0.79 7.87 3.44 9.11 -0.35 -5.59 -0.06 7.43 7.58 -0.93
Net charge-offs to loans and leases 1.28 5.94 1.43 0.41 1.12 0.85 1.74 0.33 0.35 0.74
Loan and lease loss provision to net charge-offs 175.31 151.89 204.34 129.34 163.15 244.16 172.14 152.43 138.83 183.95
Efficiency ratio 59.04 39.56 65.41 62.31 61.02 57.05 55.87 76.38 67.94 59.57
% of unprofitable institutions 23.59 15.38 20.00 6.68 31.57 23.75 18.68 16.37 9.72 43.18
% of institutions with earnings gains 36.82 26.92 40.00 51.93 27.74 48.45 43.96 40.93 49.01 29.55
Condition Ratios (%)
Earning assets to total assets 84.99 81.27 81.54 91.19 87.45 90.91 92.95 87.80 91.57 82.22
Loss allowance to:
Loans and leases 2.20 7.09 2.79 1.32 1.86 1.34 2.44 1.38 1.25 1.75
Noncurrent loans and leases 75.02 255.14 72.75 92.09 65.44 39.85 164.59 133.07 87.44 70.66
Noncurrent assets plus other real estate owned to assets 1.88 2.08 1.62 1.18 2.31 2.53 1.31 0.35 1.07 1.27
Equity capital ratio 9.36 20.44 7.01 11.01 10.11 7.49 9.85 18.56 11.31 9.11
Core capital (leverage) ratio 7.49 14.55 5.95 9.99 8.17 7.20 9.86 16.30 10.91 6.60
Tier 1 risk-based capital ratio 9.99 13.72 9.60 13.33 9.70 12.86 12.23 38.03 17.73 8.74
Total risk-based capital ratio 12.81 16.11 13.73 14.39 12.02 13.84 13.93 38.86 18.83 12.06
Net loans and leases to deposits 85.24 179.11 58.53 81.63 96.96 119.66 108.67 30.08 68.39 72.57
Net loans to total assets 55.62 69.82 36.72 65.57 68.69 65.80 77.53 22.35 55.91 46.53
Domestic deposits to total assets 54.14 34.36 31.51 80.33 67.75 54.93 70.21 72.04 81.66 54.95
Structural Changes
New Charters 98 0 0 2 28 2 0 66 0 0
Institutions absorbed by mergers 292 0 2 32 217 18 1 1 12 9
Failed Institutions 25 0 0 1 21 3 0 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2007		 8,534 27 5 1,592 4,773 784 109 373 815 56
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
Total assets (in billions)
2007		 $13,034.1 $479.2 $2,784.4 $157.5 $4,619.2 $1,328.1 $94.9 $37.8 $110.4 $3,422.7
2005 10,878.3 359.1 1,851.2 142.3 4,257.3 1,655.1 117.3 47.7 128.7 2,319.6
2003 9,075.7 348.4 1,448.0 129.5 2,923.8 1,657.9 146.6 61.1 171.1 2,189.3
Return on assets (%)
2007		 0.81 3.35 0.58 1.20 0.83 0.03 1.26 2.56 1.03 0.88
2005 1.28 2.90 0.86 1.27 1.36 1.07 1.55 2.18 1.09 1.35
2003 1.38 4.08 1.10 1.20 1.28 1.38 1.31 1.85 1.06 1.34
Net charge-offs to loans & leases (%)
2007		 0.59 3.95 0.76 0.22 0.35 0.40 0.87 0.29 0.22 0.39
2005 0.49 4.64 0.87 0.18 0.23 0.12 1.44 0.26 0.23 0.24
2003 0.78 5.22 1.40 0.28 0.46 0.18 2.09 1.22 0.38 0.62
Noncurrent assets plus OREO to assets (%)
2007		 0.94 1.54 0.68 0.83 1.07 1.52 1.64 0.23 0.65 0.68
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
Equity capital ratio (%)
2007		 10.34 21.26 8.01 11.17 11.00 8.38 12.62 19.98 11.46 10.32
2005 10.28 21.51 8.30 10.55 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
* See Table IV-A (page 8) for explanations.

Last Updated 03/20/2009 Questions, Suggestions & Requests

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