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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 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) 24,222 592 4,431 3,635 15,563 11,095 4,047 6,249 5,595 2,837 -5,600
Commercial banks 29,395 492 4,004 3,118 21,780 9,379 5,792 6,059 5,588 2,797 -222
Savings institutions -5,173 100 427 517 -6,217 1,715 -1,746 190 6 40 -5,379
Performance Ratios (annualized,%)
Yield on earning assets 6.02 6.45 6.49 6.36 5.90 6.23 5.70 5.41 6.62 6.24 6.60
Cost of funding earning assets 2.67 2.59 2.81 2.73 2.64 2.70 2.73 2.59 2.35 2.54 2.80
Net interest margin 3.35 3.86 3.68 3.63 3.26 3.53 2.98 2.82 4.27 3.70 3.80
Noninterest income to assets 1.84 1.52 1.05 1.40 2.00 2.22 1.65 2.02 3.20 1.45 1.15
Noninterest expense to assets 2.85 3.92 3.14 2.97 2.77 2.91 2.54 2.71 3.83 3.17 2.89
Loan and lease loss provision to assets 1.32 0.28 0.43 0.93 1.51 1.01 1.29 1.11 1.39 0.69 2.01
Net operating income to assets 0.38 0.64 0.65 0.49 0.33 0.88 0.26 0.37 1.10 0.70 -0.25
Pretax return on assets 0.53 0.91 0.89 0.83 0.44 1.37 0.33 0.70 1.72 1.00 -0.69
Return on assets 0.37 0.68 0.68 0.51 0.30 0.90 0.24 0.43 1.15 0.76 -0.41
Return on equity 3.58 4.98 6.47 4.59 3.01 7.50 2.33 4.68 11.70 7.71 -4.10
Net charge-offs to loans and leases 1.16 0.24 0.37 0.83 1.35 1.23 0.95 1.05 1.23 0.55 1.58
Loan and lease loss provision to net charge-offs 190.07 180.89 165.23 159.14 194.39 145.07 219.97 196.42 164.96 188.57 200.41
Efficiency ratio 57.93 77.23 69.80 58.13 56.15 52.98 58.71 57.93 54.24 64.35 62.38
% of unprofitable institutions 16.73 21.49 13.28 14.16 26.72 18.09 30.83 13.69 9.64 10.92 30.36
% of institutions with earnings gains 44.95 46.37 44.91 41.22 24.14 50.58 26.22 48.33 50.66 50.41 32.78
Condition Ratios (%)
Earning assets to total assets 86.02 91.71 91.65 90.51 84.56 86.09 85.62 85.48 86.31 89.59 85.93
Loss Allowance to:
Loans and leases 1.80 1.29 1.25 1.49 1.96 1.77 1.65 1.80 1.79 1.34 2.16
Noncurrent loans and leases 88.55 87.48 71.74 67.51 94.79 117.41 81.76 85.38 83.15 78.43 87.30
Noncurrent assets plus other real estate owned to assets 1.38 1.20 1.57 1.77 1.30 0.92 1.43 1.26 1.69 1.35 1.74
Equity capital ratio 10.16 13.36 10.28 10.96 9.98 12.05 10.06 9.20 9.72 9.86 9.84
Core capital (leverage) ratio 7.89 13.18 9.83 9.32 7.34 8.74 6.90 7.23 7.98 8.85 8.76
Tier 1 risk-based capital ratio 10.10 19.13 12.98 11.73 9.37 11.97 8.72 8.94 9.37 11.18 11.58
Total risk-based capital ratio 12.86 20.16 14.08 13.09 12.56 14.09 11.58 12.01 12.07 12.86 14.72
Net loans and leases to deposits 91.59 77.61 89.34 98.97 91.08 90.38 92.67 81.97 96.00 91.12 100.32
Net loans to total assets 59.03 63.00 70.25 69.53 56.03 55.90 60.76 52.50 66.84 65.63 62.08
Domestic deposits to total assets 52.85 81.17 78.51 69.60 46.67 52.56 58.42 49.35 62.86 71.20 41.19
Structural Changes
New Charters 62 61 1 0 0 15 22 0 3 9 13
Institutions absorbed by mergers 141 57 62 19 3 18 35 25 29 28 6
Failed Institutions 4 3 0 1 0 0 0 0 3 1 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2007		 8,614 3,582 4,371 538 123 1,070 1,216 1,806 2,000 1,750 772
2005 8,868 3,996 4,266 492 114 1,109 1,214 1,897 2,079 1,812 757
2003 9,268 4,509 4,183 466 110 1,194 1,236 2,034 2,145 1,884 775
Total assets (in billions)
2007		 $12,261.4 $189.8 $1,295.4 $1,410.7 $9,365.5 $2,261.8 $3,004.5 $2,830.9 $910.0 $674.4 $2,579.7
2005 10,474.4 207.5 1,209.8 1,351.2 7,705.9 2,729.8 2,579.4 2,426.9 765.4 570.0 1,402.8
2003 8,923.3 231.4 1,154.0 1,303.1 6,234.8 3,053.6 1,867.3 1,678.4 439.6 596.4 1,288.0
Return on assets (%)
2007		 1.20 0.85 1.11 1.13 1.24 1.08 1.23 1.06 1.64 1.13 1.30
2005 1.31 1.07 1.23 1.34 1.32 1.28 1.40 0.97 1.61 1.28 1.63
2003 1.38 0.96 1.19 1.46 1.42 1.25 1.37 1.36 1.55 1.41 1.66
Net charge-offs to loans & leases (%)
2007		 0.47 0.14 0.16 0.29 0.56 0.82 0.24 0.34 0.63 0.21 0.58
2005 0.44 0.15 0.18 0.24 0.54 0.72 0.19 0.29 0.55 0.21 0.63
2003 0.80 0.25 0.29 0.59 0.98 1.19 0.59 0.66 1.04 0.38 0.67
Noncurrent assets plus OREO to assets (%)
2007		 0.62 0.81 0.75 0.67 0.59 0.58 0.42 0.63 1.10 0.66 0.68
2005 0.48 0.72 0.54 0.44 0.47 0.49 0.31 0.55 0.76 0.58 0.47
2003 0.81 0.93 0.74 0.66 0.84 0.87 0.66 0.95 0.79 0.79 0.68
Equity capital ratio (%)
2007		 10.43 13.42 10.48 11.28 10.24 12.48 9.83 9.01 10.00 10.57 11.01
2005 10.38 12.16 10.29 10.86 10.26 10.70 10.00 9.30 10.83 9.64 12.34
2003 9.09 11.44 10.07 10.33 8.57 8.80 8.80 8.57 10.76 9.57 10.12

*REGIONS:

Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia
Chicago: 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

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

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