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Quarterly Banking Profile
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| TABLE IV-A. Fourth Quarter 2008, All FDIC-Insured Institutions | ||||||||||
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FOURTH QUARTER (The way it is...) |
All Insured Institutions |
Asset Concentration Groups* | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
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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 |
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| 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) | -32,109 | -273 | -320 | 290 | -19,771 | -3,972 | -492 | 60 | 171 | -7,803 |
| Commercial banks | -26,047 | -195 | -320 | 289 | -19,393 | 548 | -348 | 6 | 178 | -6,813 |
| Savings institutions | -6,062 | -78 | 0 | 1 | -378 | -4,520 | -144 | 54 | -7 | -990 |
| Performance Ratios (annualized, %) | ||||||||||
| Yield on earning assets | 5.21 | 13.35 | 4.91 | 6.13 | 5.61 | 5.32 | 6.56 | 4.23 | 5.91 | 3.28 |
| Cost of funding earning assets | 1.87 | 2.24 | 1.79 | 2.20 | 2.02 | 2.47 | 2.83 | 1.41 | 2.03 | 1.32 |
| Net interest margin | 3.34 | 11.10 | 3.12 | 3.94 | 3.60 | 2.84 | 3.73 | 2.82 | 3.88 | 1.96 |
| Noninterest income to assets | 1.19 | 6.29 | 1.36 | 0.62 | 1.15 | 0.34 | 1.35 | 10.69 | 0.84 | 0.44 |
| Noninterest expense to assets | 3.25 | 6.51 | 3.29 | 2.80 | 3.91 | 1.84 | 3.15 | 11.20 | 3.10 | 1.87 |
| Loan and lease loss provision to assets | 2.03 | 9.36 | 1.48 | 0.62 | 2.16 | 2.88 | 4.24 | 0.21 | 0.43 | 0.99 |
| Net operating income to assets | -0.93 | -0.40 | -0.47 | 0.73 | -1.45 | -1.51 | -1.65 | 0.87 | 0.79 | -0.55 |
| Pretax return on assets | -1.35 | -0.39 | -0.53 | 0.77 | -1.82 | -1.94 | -2.58 | 1.51 | 0.76 | -1.59 |
| Return on assets | -0.94 | -0.22 | -0.04 | 0.70 | -1.47 | -1.61 | -1.65 | 0.70 | 0.73 | -1.06 |
| Return on equity | -9.88 | -1.08 | -0.53 | 6.32 | -14.18 | -20.99 | -16.92 | 3.72 | 6.46 | -11.26 |
| Net charge-offs to loans and leases | 1.92 | 6.96 | 1.85 | 0.74 | 1.83 | 1.78 | 2.14 | 0.48 | 0.54 | 1.16 |
| Loan and lease loss provision to net charge-offs | 182.79 | 180.90 | 204.76 | 124.42 | 167.49 | 239.16 | 247.80 | 191.22 | 138.15 | 172.01 |
| Efficiency ratio | 64.86 | 39.39 | 69.98 | 65.87 | 66.49 | 61.74 | 64.97 | 77.29 | 70.19 | 78.69 |
| % of unprofitable institutions | 32.56 | 46.15 | 20.00 | 17.46 | 41.41 | 26.37 | 27.47 | 27.05 | 15.35 | 45.45 |
| % of institutions with earnings gains | 35.65 | 23.08 | 60.00 | 43.07 | 28.77 | 51.55 | 41.76 | 39.15 | 45.63 | 22.73 |
| Structural Changes | ||||||||||
| New Charters | 15 | 0 | 0 | 0 | 6 | 0 | 0 | 9 | 0 | 0 |
| Institutions absorbed by mergers | 79 | 0 | 0 | 8 | 59 | 5 | 0 | 0 | 4 | 3 |
| Failed Institutions | 12 | 0 | 0 | 0 | 11 | 1 | 0 | 0 | 0 | 0 |
| PRIOR FOURTH QUARTERS (The way it was...) |
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| Return on assets (%) 2007 |
0.02 | 2.01 | -0.20 | 1.07 | 0.24 | -1.97 | 0.62 | 2.09 | 0.92 | 0.32 |
| 2005 | 1.21 | 2.16 | 0.79 | 1.12 | 1.32 | 1.02 | 1.35 | 3.75 | 0.96 | 1.30 |
| 2003 | 1.38 | 4.66 | 1.22 | 1.05 | 1.21 | 1.26 | 1.07 | 3.40 | 0.93 | 1.34 |
| Net charge-offs to loans & leases (%) 2007 |
0.84 | 4.24 | 1.05 | 0.32 | 0.62 | 0.67 | 1.03 | 0.26 | 0.38 | 0.55 |
| 2005 | 0.60 | 6.16 | 0.86 | 0.26 | 0.29 | 0.19 | 1.67 | 0.36 | 0.32 | 0.30 |
| 2003 | 0.80 | 5.30 | 1.36 | 0.44 | 0.49 | 0.13 | 2.81 | 0.56 | 0.44 | 0.56 |
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*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. |
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| Last Updated 03/20/2009 | Questions, Suggestions & Requests |
