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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 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 8,451 3,304 4,473 558 116 1,034 1,213 1,738 1,960 1,722 784
Commercial banks 7,203 2,939 3,756 424 84 540 1,069 1,434 1,853 1,595 712
Savings institutions 1,248 365 717 134 32 494 144 304 107 127 72
Total assets (in billions) $13,300.8 $177.1 $1,333.4 $1,464.5 $10,325.7 $2,477.2 $3,396.9 $2,937.7 $990.5 $763.8 $2,734.7
Commercial banks 11,426.2 158.3 1,084.7 1,131.6 9,051.6 1,786.7 3,133.2 2,792.2 948.0 634.7 2,131.4
Savings institutions 1,874.6 18.8 248.7 332.9 1,274.2 690.5 263.8 145.4 42.5 129.1 603.3
Total deposits (in billions) 8,572.7 143.8 1,048.6 1,028.9 6,351.4 1,532.0 2,227.0 1,881.7 689.6 550.1 1,692.3
Commercial banks 7,422.7 129.5 864.9 796.4 5,631.8 1,072.2 2,061.0 1,778.7 660.0 475.7 1,375.1
Savings institutions 1,150.0 14.3 183.6 232.5 719.6 459.8 166.0 103.0 29.6 74.4 317.2
Net income (in millions) 4,959 260 1,862 964 1,873 4,735 1,374 824 2,265 1,121 -5,360
Commercial banks 10,156 220 1,688 651 7,597 3,957 2,698 796 2,266 1,212 -773
Savings institutions -5,197 40 174 313 -5,724 778 -1,324 28 -1 -91 -4,586
Performance Ratios (annualized,%)
Yield on earning assets 5.76 6.30 6.30 6.12 5.62 5.98 5.42 5.10 6.40 5.98 6.37
Cost of funding earning assets 2.38 2.45 2.62 2.50 2.33 2.42 2.45 2.31 2.04 2.28 2.51
Net interest margin 3.37 3.85 3.68 3.62 3.28 3.57 2.97 2.79 4.36 3.70 3.85
Noninterest income to assets 1.83 1.45 1.08 1.30 2.00 2.11 1.76 1.95 3.18 1.44 1.14
Noninterest expense to assets 2.93 3.92 3.19 3.04 2.86 2.97 2.61 2.91 3.92 3.24 2.86
Loan and lease loss provision to assets 1.51 0.31 0.53 1.06 1.71 1.03 1.48 1.19 1.64 0.80 2.44
Net operating income to assets 0.19 0.55 0.55 0.26 0.13 0.77 0.15 0.06 0.93 0.56 -0.52
Pretax return on assets 0.21 0.80 0.75 0.49 0.10 1.15 0.18 0.30 1.37 0.79 -1.25
Return on assets 0.15 0.59 0.56 0.27 0.07 0.76 0.16 0.11 0.92 0.59 -0.78
Return on equity 1.46 4.36 5.40 2.41 0.72 6.33 1.59 1.22 9.44 6.01 -7.90
Net charge-offs to loans and leases 1.32 0.28 0.45 0.97 1.54 1.33 1.14 1.27 1.31 0.64 1.79
Loan and lease loss provision to net charge-offs 190.30 175.85 166.52 156.74 195.09 138.35 211.80 176.72 183.33 187.30 215.60
Efficiency ratio 59.13 78.31 70.07 59.12 57.49 55.00 59.06 62.23 55.04 64.97 60.85
% of unprofitable institutions 17.86 22.28 14.40 16.85 30.17 17.89 32.15 14.33 12.09 11.32 32.27
% of institutions with earnings gains 42.56 42.77 43.24 39.25 26.72 50.39 26.05 47.07 45.66 46.92 30.48
Structural Changes
New Charters 24 23 1 0 0 8 8 0 2 2 4
Institutions absorbed by mergers 64 26 29 8 1 8 19 15 7 11 4
Failed Institutions 2 1 0 1 0 0 0 0 1 1 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2007		 1.21 0.85 1.14 1.11 1.25 1.04 1.25 1.05 1.54 1.15 1.41
2005 1.28 1.09 1.24 1.35 1.28 1.29 1.34 0.93 1.55 1.28 1.63
2003 1.38 0.89 1.19 1.50 1.41 1.25 1.39 1.34 1.57 1.41 1.64
Net charge-offs to loans & leases (%)
2007		 0.49 0.14 0.18 0.33 0.57 0.84 0.26 0.37 0.63 0.23 0.59
2005 0.42 0.19 0.19 0.24 0.51 0.69 0.18 0.26 0.51 0.23 0.63
2003 0.79 0.30 0.31 0.65 0.94 1.14 0.57 0.68 1.05 0.39 0.70
* See Table IV-A (page 9) for explanations.

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

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