Each depositor insured to at least $250,000 per insured bank

Quarterly Banking Profile
TABLE III-A. Full Year 2008, All FDIC-Insured Institutions
Full Year
(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 8,305 3,131 4,499 561 114 1,014 1,180 1,705 1,935 1,700 771
Commercial banks 7,085 2,784 3,790 425 86 530 1,041 1,407 1,829 1,575 703
Savings institutions 1,220 347 709 136 28 484 139 298 106 125 68
Total assets (in billions) $13,847.3 $170.8 $1,355.7 $1,491.6 $10,829.2 $2,433.1 $3,749.2 $3,264.8 $1,057.4 $781.0 $2,561.8
Commercial banks 12,312.9 152.5 1,105.7 1,142.5 9,912.2 1,725.5 3,483.0 3,117.5 1,008.1 653.4 2,325.2
Savings institutions 1,534.4 18.3 250.0 349.1 917.0 707.6 266.2 147.2 49.3 127.6 236.5
Total deposits (in billions) 9,035.7 139.2 1,071.9 1,080.0 6,744.6 1,534.4 2,513.5 2,155.6 718.8 571.1 1,542.2
Commercial banks 8,082.1 125.2 887.4 830.5 6,239.0 1,058.4 2,363.4 2,050.6 683.3 492.0 1,434.3
Savings institutions 953.6 14.0 184.5 249.5 505.6 476.0 150.1 104.9 35.5 79.1 107.9
Net income (in millions) 10,170 493 4,204 -2,638 8,112 8,850 -3,349 9,121 5,854 3,998 -14,303
Commercial banks 18,726 528 3,992 -1,113 15,319 11,079 -2,039 10,137 5,887 3,763 -10,101
Savings institutions -8,556 -36 212 -1,525 -7,207 -2,229 -1,310 -1,017 -33 234 -4,202
Performance Ratios (%)
Yield on earning assets 5.36 6.25 6.32 5.99 5.11 6.12 4.39 4.87 6.42 5.88 6.08
Cost of funding earning assets 2.18 2.39 2.61 2.47 2.07 2.42 1.94 2.14 2.07 2.18 2.40
Net interest margin 3.18 3.87 3.71 3.51 3.04 3.70 2.44 2.72 4.35 3.70 3.68
Noninterest income to assets 1.58 1.11 1.05 1.12 1.72 2.17 1.15 1.84 2.64 1.40 0.95
Noninterest expense to assets 2.77 3.78 3.23 3.05 2.66 3.07 2.21 2.58 3.85 3.22 2.99
Loan and lease loss provision to assets 1.32 0.45 0.68 1.16 1.44 1.44 1.02 1.23 1.83 0.79 1.75
Net operating income to assets 0.11 0.32 0.41 -0.05 0.09 0.51 -0.08 0.23 0.52 0.54 -0.44
Pretax return on assets 0.12 0.40 0.42 -0.11 0.12 0.63 -0.04 0.43 0.82 0.71 -0.97
Return on assets 0.08 0.30 0.32 -0.18 0.08 0.38 -0.09 0.31 0.59 0.53 -0.60
Return on equity 0.79 2.24 3.11 -1.64 0.83 3.14 -0.89 3.60 6.02 5.38 -6.76
Net charge-offs to loans and leases 1.28 0.45 0.63 1.05 1.44 1.43 1.00 1.22 1.59 0.68 1.72
Loan and lease loss provision to net charge-offs 175.31 159.07 153.07 160.54 178.84 177.73 169.83 189.25 169.66 174.31 170.01
Efficiency ratio 59.04 80.69 70.24 63.11 56.60 53.35 59.34 58.39 58.46 64.60 65.17
% of unprofitable institutions 23.59 24.43 21.94 28.70 40.35 30.18 41.78 19.65 13.33 14.35 41.89
% of institutions with earnings gains 36.82 40.72 35.85 25.31 24.56 37.77 19.58 40.18 44.08 42.53 23.74
Condition Ratios (%)
Earning assets to total assets 84.99 91.44 91.55 89.99 83.38 85.56 84.03 85.12 86.45 90.18 83.50
Loss Allowance to:
Loans and leases 2.20 1.38 1.38 1.76 2.43 2.39 1.90 2.22 2.39 1.54 2.61
Noncurrent loans and leases 75.02 70.27 58.89 61.32 79.46 114.41 64.73 68.41 80.01 68.08 72.34
Noncurrent assets plus other real estate owned to assets 1.88 1.66 2.14 2.37 1.79 1.26 1.95 1.94 2.28 1.80 2.16
Equity capital ratio 9.36 12.89 10.07 10.75 9.03 11.40 9.60 8.08 9.50 9.96 8.46
Core capital (leverage) ratio 7.49 12.57 9.60 9.26 6.90 8.61 6.64 6.84 8.21 9.01 7.81
Tier 1 risk-based capital ratio 9.99 18.24 12.83 11.83 9.23 12.34 8.69 9.11 9.79 11.57 10.61
Total risk-based capital ratio 12.81 19.30 13.97 13.24 12.50 14.21 11.73 12.29 12.59 13.34 13.84
Net loans and leases to deposits 85.24 77.64 88.43 94.46 83.41 87.86 85.48 77.18 96.08 89.21 86.98
Net loans to total assets 55.62 63.27 69.91 68.39 51.95 55.41 57.31 50.96 65.32 65.24 52.36
Domestic deposits to total assets 54.14 81.49 78.97 71.58 48.19 54.60 58.94 52.16 64.35 72.28 39.43
Structural Changes
New Charters 98 92 4 1 1 20 34 3 5 14 22
Institutions absorbed by mergers 292 111 146 28 7 41 72 60 56 54 9
Failed Institutions 25 6 10 6 3 0 8 2 4 3 8
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2007		 8,534 3,440 4,424 551 119 1,043 1,221 1,763 1,986 1,742 779
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
Total assets (in billions)
2007		 $13,034.1 $181.9 $1,308.8 $1,422.1 $10,121.3 $2,441.1 $3,329.6 $2,842.5 $976.3 $738.3 $2,706.3
2005 10,878.3 200.8 1,247.6 1,393.2 8,036.7 2,768.2 2,683.9 2,505.8 803.7 607.7 1,508.9
2003 9,075.7 225.7 1,160.5 1,313.0 6,376.5 3,085.2 1,882.6 1,693.8 456.3 563.3 1,394.3
Return on assets (%)
2007		 0.81 0.74 0.97 0.96 0.77 0.77 0.81 0.86 1.46 1.00 0.52
2005 1.28 0.99 1.24 1.28 1.29 1.21 1.36 0.99 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
Net charge-offs to loans & leases (%)
2007		 0.59 0.24 0.25 0.42 0.68 0.90 0.33 0.47 0.78 0.30 0.76
2005 0.49 0.20 0.19 0.24 0.60 0.80 0.23 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
Noncurrent assets plus OREO to assets (%)
2007		 0.94 0.96 1.07 1.09 0.91 0.76 0.81 0.94 1.37 1.00 1.12
2005 0.50 0.69 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
Equity capital ratio (%)
2007		 10.34 13.73 10.49 11.34 10.12 12.06 10.30 9.23 9.74 10.22 10.24
2005 10.28 12.16 10.20 10.68 10.18 10.54 9.80 9.23 10.45 10.17 12.40
2003 9.15 11.49 10.05 10.34 8.66 9.05 8.78 8.49 10.59 9.60 10.05
* See Table IV-A (page 9) for explanations.

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