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Quarterly Banking Profile
TABLE III-A. Second Quarter 2008, All FDIC-Insured Institutions
Second Quarter
(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 8,451 27 6 1,584 4,786 845 98 306 756 43
Commercial banks 7,203 23 6 1,579 4,281 218 78 278 705 35
Savings institutions 1,248 4 0 5 505 627 20 28 51 8
Total assets (in billions) $13,300.8 $450.2 $2,980.5 $165.6 $5,359.5 $1,379.0 $71.3 $32.9 $99.2 $2,762.6
Commercial banks 11,426.2 431.1 2,980.5 165.2 4,799.4 227.9 32.9 29.8 86.7 2,672.5
Savings institutions 1,874.6 19.0 0.0 0.5 560.0 1,151.1 38.4 3.1 12.5 90.1
Total deposits (in billions) 8,572.7 150.5 1,844.5 132.6 3,707.3 806.5 58.8 23.6 81.3 1,767.6
Commercial banks 7,422.7 143.6 1,844.5 132.2 3,372.8 88.0 26.5 21.7 71.3 1,722.1
Savings institutions 1,150.0 6.9 0.0 0.4 334.5 718.5 32.4 1.9 10.0 45.5
Net income (in millions) 4,959 2,702 1,977 485 3,414 -5,017 148 159 251 841
Commercial banks 10,156 2,497 1,977 484 3,214 746 47 109 237 845
Savings institutions -5,197 205 0 1 200 -5,763 101 50 14 -4
Performance Ratios (annualized,%)
Yield on earning assets 5.76 11.86 5.21 6.38 5.95 5.96 6.71 4.76 6.03 4.86
Cost of funding earning assets 2.38 2.78 2.35 2.50 2.30 2.98 2.10 1.71 2.34 2.23
Net interest margin 3.37 9.08 2.86 3.87 3.65 2.98 4.61 3.04 3.68 2.63
Noninterest income to assets 1.83 8.40 1.83 0.67 1.58 0.92 2.19 13.85 0.96 1.62
Noninterest expense to assets 2.93 7.14 2.91 2.60 3.06 2.27 3.22 13.27 2.95 2.22
Loan and lease loss provision to assets 1.51 5.44 0.95 0.23 1.19 3.57 2.40 0.22 0.17 1.16
Net operating income to assets 0.19 2.00 0.29 1.17 0.26 -1.38 0.63 1.89 1.00 0.31
Pretax return on assets 0.21 3.60 0.29 1.39 0.50 -2.32 1.20 3.05 1.23 0.11
Return on assets 0.15 2.41 0.26 1.18 0.26 -1.46 0.82 1.90 1.02 0.12
Return on equity 1.46 10.73 3.38 10.63 2.25 -18.24 8.93 8.95 9.00 1.28
Net charge-offs to loans and leases 1.32 5.87 1.27 0.25 0.99 1.85 1.75 0.52 0.29 0.94
Loan and lease loss provision to net charge-offs 190.30 127.46 184.47 140.29 170.90 269.93 164.54 171.75 105.08 235.78
Efficiency ratio 59.13 42.43 68.59 61.21 59.29 61.58 49.11 79.86 67.52 56.22
% of unprofitable institutions 17.86 22.22 33.33 5.37 23.53 16.80 15.31 21.57 7.80 18.60
% of institutions with earnings gains 42.56 29.63 50.00 52.59 35.65 55.27 51.02 38.56 51.85 46.51
Structural Changes
New Charters 24 0 0 1 7 0 0 16 0 0
Institutions absorbed by mergers 64 0 0 6 50 3 1 0 2 2
Failed Institutions 2 0 0 0 2 0 0 0 0 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2007		 1.21 3.34 0.99 1.26 1.17 0.91 3.04 2.31 1.10 1.26
2005 1.28 3.18 0.71 1.35 1.35 1.22 1.40 1.60 1.09 1.37
2003 1.38 4.01 1.04 1.26 1.31 1.49 1.49 0.65 1.08 1.29
Net charge-offs to loans & leases (%)
2007		 0.49 3.89 0.60 0.15 0.28 0.25 1.85 0.25 0.18 0.32
2005 0.42 4.18 0.66 0.15 0.21 0.09 1.11 0.40 0.34 0.17
2003 0.79 5.37 1.39 0.25 0.56 0.18 0.89 0.55 0.31 0.56
* See Table IV-A (page 8) for explanations.

Last Updated 08/26/2008 Questions, Suggestions & Requests

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