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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 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) | -32,109 | -120 | -346 | -4,849 | -26,795 | -2,810 | -13,495 | -1,644 | -982 | 133 | -13,310 |
| Commercial banks | -26,047 | -91 | -345 | -3,747 | -21,864 | -848 | -12,894 | -1,022 | -975 | 206 | -10,514 |
| Savings institutions | -6,062 | -29 | -1 | -1,102 | -4,930 | -1,962 | -601 | -623 | -7 | -73 | -2,796 |
| Performance Ratios (annualized, %) | |||||||||||
| Yield on earning assets | 5.21 | 6.03 | 6.01 | 5.81 | 4.99 | 6.07 | 4.20 | 4.76 | 6.21 | 5.54 | 5.92 |
| Cost of funding earning assets | 1.87 | 2.17 | 2.37 | 2.28 | 1.73 | 2.09 | 1.68 | 1.77 | 1.67 | 1.90 | 2.13 |
| Net interest margin | 3.34 | 3.86 | 3.64 | 3.53 | 3.26 | 3.99 | 2.52 | 2.99 | 4.53 | 3.65 | 3.79 |
| Noninterest income to assets | 1.19 | 1.01 | 0.96 | 0.88 | 1.27 | 1.93 | 0.73 | 1.59 | 2.08 | 1.32 | 0.22 |
| Noninterest expense to assets | 3.25 | 4.05 | 3.27 | 3.44 | 3.21 | 3.30 | 3.02 | 2.82 | 3.95 | 3.35 | 3.80 |
| Loan and lease loss provision to assets | 2.03 | 0.76 | 1.13 | 1.93 | 2.17 | 2.24 | 1.59 | 1.74 | 3.08 | 1.15 | 2.70 |
| Net operating income to assets | -0.93 | -0.26 | -0.05 | -1.16 | -1.02 | -0.20 | -1.45 | -0.39 | -0.59 | 0.07 | -2.05 |
| Pretax return on assets | -1.35 | -0.29 | -0.22 | -1.57 | -1.48 | -0.65 | -1.80 | -0.24 | -0.74 | 0.09 | -3.57 |
| Return on assets | -0.94 | -0.28 | -0.10 | -1.32 | -1.00 | -0.46 | -1.45 | -0.20 | -0.38 | 0.07 | -2.18 |
| Return on equity | -9.88 | -2.18 | -1.02 | -12.21 | -10.89 | -4.03 | -14.58 | -2.49 | -3.96 | 0.69 | -25.24 |
| Net charge-offs to loans and leases | 1.92 | 0.82 | 1.07 | 1.71 | 2.11 | 1.85 | 1.60 | 1.86 | 2.26 | 0.96 | 2.73 |
| Loan and lease loss provision to net charge-offs | 182.79 | 144.39 | 147.61 | 160.58 | 189.17 | 218.10 | 167.32 | 176.33 | 201.58 | 179.86 | 171.77 |
| Efficiency ratio | 64.86 | 87.36 | 72.47 | 69.81 | 62.74 | 53.91 | 71.29 | 58.79 | 64.02 | 65.46 | 83.99 |
| % of unprofitable institutions | 32.56 | 33.41 | 30.70 | 38.86 | 51.75 | 33.43 | 51.19 | 27.68 | 26.41 | 23.12 | 49.94 |
| % of institutions with earnings gains | 35.65 | 39.96 | 34.16 | 25.67 | 25.44 | 41.72 | 23.05 | 37.42 | 39.38 | 39.76 | 24.64 |
| Structural Changes | |||||||||||
| New Charters | 15 | 15 | 0 | 0 | 0 | 2 | 6 | 2 | 1 | 0 | 4 |
| Institutions absorbed by mergers | 79 | 34 | 37 | 6 | 2 | 13 | 19 | 16 | 13 | 17 | 1 |
| Failed Institutions | 12 | 3 | 6 | 2 | 1 | 0 | 5 | 2 | 0 | 2 | 3 |
| PRIOR FOURTH QUARTERS (The way it was...) |
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| Return on assets (%) 2007 |
0.02 | 0.44 | 0.68 | 0.60 | -0.16 | 0.13 | 0.10 | 0.60 | 0.98 | 0.55 | -1.26 |
| 2005 | 1.21 | 0.80 | 1.25 | 1.19 | 1.22 | 1.10 | 1.30 | 0.96 | 1.49 | 1.11 | 1.58 |
| 2003 | 1.38 | 0.85 | 1.15 | 1.41 | 1.44 | 1.34 | 1.36 | 1.30 | 1.62 | 1.26 | 1.58 |
| Net charge-offs to loans & leases (%) 2007 |
0.84 | 0.37 | 0.46 | 0.63 | 0.94 | 1.00 | 0.56 | 0.75 | 1.11 | 0.51 | 1.10 |
| 2005 | 0.60 | 0.31 | 0.26 | 0.28 | 0.73 | 0.89 | 0.26 | 0.44 | 0.61 | 0.33 | 0.95 |
| 2003 | 0.80 | 0.43 | 0.48 | 0.60 | 0.92 | 1.06 | 0.49 | 0.90 | 1.40 | 0.47 | 0.54 |
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*REGIONS: Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West VirginiaChicago: 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 |
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| Last Updated 03/20/2009 | Questions, Suggestions & Requests |
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