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Quarterly Banking Profile
TABLE IV-A.First-Half 2008, All FDIC-Insured Institutions
FIRST-HALF
(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) 24,222 7,883 4,577 967 13,653 -5,737 370 387 499 1,622
Commercial banks 29,395 7,533 4,577 965 12,588 1,236 176 272 476 1,572
Savings institutions -5,173 350 0 2 1,065 -6,973 195 115 24 50
Performance Ratios (annualized,%)
Yield on earning assets 6.02 12.01 5.51 6.55 6.22 6.10 7.05 4.94 6.16 5.17
Cost of funding earning assets 2.67 3.18 2.64 2.69 2.56 3.24 2.38 1.87 2.49 2.55
Net interest margin 3.35 8.84 2.87 3.87 3.66 2.86 4.67 3.07 3.66 2.61
Noninterest income to assets 1.84 9.72 1.84 0.67 1.59 1.07 2.15 13.01 0.95 1.35
Noninterest expense to assets 2.85 6.70 2.83 2.61 2.98 2.29 3.17 12.03 2.95 2.15
Loan and lease loss provision to assets 1.32 5.29 0.96 0.20 1.03 2.73 2.08 0.15 0.15 1.03
Net operating income to assets 0.38 3.08 0.33 1.17 0.49 -0.82 0.88 2.29 0.99 0.27
Pretax return on assets 0.53 5.38 0.38 1.41 0.83 -1.35 1.56 3.55 1.23 0.15
Return on assets 0.37 3.50 0.31 1.19 0.52 -0.84 1.05 2.33 1.02 0.12
Return on equity 3.58 15.74 3.91 10.67 4.55 -10.27 11.36 10.89 9.00 1.23
Net charge-offs to loans and leases 1.16 5.38 1.20 0.21 0.85 1.50 1.72 0.39 0.22 0.78
Loan and lease loss provision to net charge-offs 190.07 132.95 192.95 147.35 171.46 255.72 143.42 152.78 126.49 248.95
Efficiency ratio 57.93 36.92 66.32 61.61 58.56 61.26 48.09 76.24 68.05 58.74
% of unprofitable institutions 16.73 11.11 16.67 4.29 22.17 16.92 14.29 19.93 7.41 16.28
% of institutions with earnings gains 44.95 44.44 50.00 57.51 38.15 52.31 53.06 43.79 53.31 37.21
Condition Ratios (%)
Earning assets to total assets 86.02 78.78 81.81 91.47 87.78 91.30 93.88 87.42 91.57 84.95
Loss Allowance to:
Loans and leases 1.80 5.37 2.07 1.28 1.51 2.05 1.98 1.44 1.20 1.44
Noncurrent loans and leases 88.55 233.60 120.04 95.85 72.88 65.63 217.38 150.22 108.47 92.38
Noncurrent assets plus other real estate owned to assets 1.38 1.67 0.76 1.07 1.67 2.55 0.80 0.28 0.79 0.91
Equity capital ratio 10.16 21.98 7.86 10.94 11.31 7.90 9.39 21.18 11.18 9.42
Core capital (leverage) ratio 7.89 14.42 6.21 10.13 8.82 7.83 9.13 18.23 10.91 6.60
Tier 1 risk-based capital ratio 10.10 13.78 8.64 13.51 10.28 12.88 10.80 39.80 17.72 8.69
Total risk-based capital ratio 12.86 16.34 12.56 14.57 12.53 14.80 12.84 40.66 18.84 11.88
Net loans and leases to deposits 91.59 205.78 64.31 82.57 100.53 119.90 100.66 32.59 67.64 80.94
Net loans to total assets 59.03 68.81 39.80 66.08 69.54 70.12 83.04 23.38 55.43 51.79
Domestic deposits to total assets 52.85 30.99 25.49 80.03 65.88 58.43 81.24 68.29 81.96 54.26
Structural Changes
New Charters 62 0 0 1 17 1 0 43 0 0
Institutions absorbed by mergers 141 0 0 18 102 9 1 1 7 3
Failed Institutions 4 0 0 1 3 0 0 0 0 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2007		 8,614 26 4 1,645 4,731 805 118 377 851 57
2005 8,868 29 6 1,731 4,545 953 118 422 1,005 59
2003 9,268 37 6 1,826 4,118 1,045 183 524 1,429 100
Total assets (in billions)
2007		 $12,261.4 $395.0 $2,544.3 $155.6 $4,789.1 $1,551.0 $117.7 $42.4 $113.1 $2,553.3
2005 10,474.4 372.3 1,927.3 139.0 3,648.1 1,642.0 146.2 49.9 127.5 2,422.2
2003 8,923.3 294.1 1,429.3 127.7 3,122.3 1,407.6 379.6 64.6 195.2 1,902.9
Return on assets (%)
2007		 1.20 3.58 0.96 1.22 1.15 0.91 2.54 2.23 1.07 1.27
2005 1.31 3.18 0.81 1.31 1.34 1.21 1.35 1.58 1.14 1.44
2003 1.38 3.79 1.06 1.24 1.32 1.51 1.53 0.95 1.08 1.27
Net charge-offs to loans & leases (%)
2007		 0.47 3.84 0.58 0.15 0.25 0.24 1.86 0.23 0.16 0.31
2005 0.44 4.26 0.70 0.13 0.21 0.09 1.16 0.31 0.29 0.17
2003 0.80 5.36 1.42 0.20 0.56 0.18 0.90 0.45 0.28 0.58
Noncurrent assets plus OREO to assets (%)
2007		 0.62 1.28 0.41 0.81 0.69 0.81 0.63 0.23 0.60 0.46
2005 0.48 1.17 0.53 0.68 0.48 0.41 0.44 0.26 0.60 0.37
2003 0.81 1.42 1.00 1.00 0.81 0.66 0.81 0.42 0.74 0.67
Equity capital ratio (%)
2007		 10.43 23.96 7.64 11.13 10.68 10.22 13.73 20.98 11.10 10.39
2005 10.38 21.70 8.46 10.96 10.09 10.89 12.08 18.40 11.06 9.91
2003 9.09 17.13 7.08 10.87 9.39 9.01 8.58 15.34 11.04 8.51

*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.

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

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