Each depositor insured to at least $250,000 per insured bank

FDIC - Quarterly Banking Profile
TABLE III-A. First Quarter 2008 All FDIC-Insured Institutions
First 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 8,494 3,347 4,481 549 117 1,035 1,223 1,752 1,969 1,731 784
Commercial banks 7,240 2,975 3,761 419 85 539 1,078 1,446 1,861 1,604 712
Savings institutions 1,254 372 720 130 32 496 145 306 108 127 72
Total assets (in billions) $13,369.5 $178.0 $1,334.3 $1,438.2 $10,419.0 $2,477.4 $3,423.6 $2,963.1 $1,001.6 $749.0 $2,754.8
Commercial banks 11,494.7 159.0 1,085.2 1,111.3 9,139.2 1,788.4 3,155.2 2,815.2 958.5 623.7 2,153.7
Savings institutions 1,874.7 19.0 249.1 326.9 1,279.7 689.0 268.3 147.8 43.2 125.4 601.1
Total deposits (in billions) 8,565.7 144.7 1,055.8 1,012.4 6,352.9 1,539.1 2,205.7 1,880.2 713.7 548.2 1,678.8
Commercial banks 7,433.4 130.3 870.6 782.4 5,650.0 1,079.4 2,039.3 1,775.4 683.5 475.5 1,380.3
Savings institutions 1,132.4 14.4 185.2 230.0 702.8 459.7 166.5 104.8 30.2 72.7 298.5
Net income (in millions) 19,347 323 2,635 2,710 13,679 6,370 2,702 5,425 3,485 1,721 -356
Commercial banks 19,302 262 2,378 2,503 14,159 5,430 3,104 5,262 3,473 1,593 439
Savings institutions 45 61 257 207 -480 940 -402 162 12 129 -795
Performance Ratios (annualized, %)
Yield on earning assets 6.28 6.63 6.67 6.58 6.17 6.48 5.99 5.69 6.82 6.49 6.81
Cost of funding earning assets 2.95 2.75 3.00 2.96 2.94 2.99 3.00 2.86 2.65 2.80 3.08
Net interest margin 3.33 3.88 3.67 3.62 3.23 3.49 2.98 2.83 4.16 3.69 3.73
Noninterest income to assets 1.84 1.57 1.02 1.52 1.99 2.32 1.52 2.08 3.20 1.45 1.14
Noninterest expense to assets 2.76 3.97 3.07 2.92 2.67 2.85 2.45 2.48 3.71 3.09 2.90
Loan and lease loss provision to assets 1.13 0.24 0.33 0.76 1.29 0.99 1.08 1.02 1.15 0.57 1.56
Net operating income to assets 0.57 0.68 0.76 0.73 0.53 0.98 0.38 0.68 1.30 0.84 0.00
Pretax return on assets 0.86 0.98 1.04 1.19 0.79 1.58 0.49 1.11 2.11 1.23 -0.14
Return on assets 0.59 0.74 0.80 0.76 0.53 1.04 0.32 0.75 1.40 0.94 -0.05
Return on equity 5.72 5.29 7.61 6.86 5.30 8.64 3.09 8.18 14.36 9.46 -0.52
Net charge-offs to loans and leases 0.99 0.20 0.30 0.68 1.16 1.14 0.76 0.84 1.12 0.45 1.38
Loan and lease loss provision to net charge-offs 189.35 191.73 155.03 159.54 193.65 152.69 230.76 226.59 147.22 188.80 179.41
Efficiency ratio 56.73 77.17 69.24 57.31 54.78 51.07 58.38 53.74 52.83 63.81 64.41
% of unprofitable institutions 13.92 20.11 9.64 9.29 22.22 17.87 25.10 11.59 7.01 8.84 25.00
% of institutions with earnings gains 48.23 47.09 49.48 47.72 35.90 48.21 29.76 52.57 57.75 51.36 36.61
Condition Ratios (%)
Earning assets to total assets 85.83 91.95 91.92 90.70 84.27 85.41 84.97 85.48 86.82 90.13 86.12
Loss Allowance to:
Loans and leases 1.52 1.30 1.20 1.39 1.59 1.68 1.34 1.56 1.50 1.25 1.65
Noncurrent loans and leases 88.88 93.25 78.32 75.63 92.68 123.82 85.93 85.07 78.98 80.45 81.56
Noncurrent assets plus other real estate owned to assets 1.14 1.10 1.33 1.43 1.07 0.81 1.08 1.09 1.51 1.21 1.40
Equity capital ratio 10.18 13.79 10.52 11.14 9.94 12.10 10.20 9.06 9.73 9.88 9.88
Core capital (leverage) ratio 7.87 13.49 9.90 9.39 7.30 8.75 6.97 7.13 7.90 8.79 8.70
Tier 1 risk-based capital ratio 10.10 19.68 13.11 11.91 9.32 11.95 8.82 8.81 9.55 11.14 11.52
Total risk-based capital ratio 12.83 20.72 14.21 13.23 12.48 14.02 11.61 11.87 12.27 12.84 14.64
Net loans and leases to deposits 91.61 75.58 87.62 96.92 91.79 88.63 94.20 81.85 95.62 89.25 100.92
Net loans to total assets 58.69 61.45 69.33 68.22 55.97 55.06 60.69 51.94 68.13 65.32 61.50
Domestic deposits to total assets 52.87 81.29 79.01 69.69 46.72 53.26 58.07 49.55 64.41 72.37 40.15
Structural Changes
New Charters 38 38 0 0 0 7 14 0 1 7 9
Institutions absorbed by mergers 77 31 33 11 2 10 16 10 22 17 2
Failed Institutions 2 2 0 0 0 0 0 0 2 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2007		 8,649 3,597 4,397 536 119 1,087 1,222 1,818 2,007 1,742 773
2005 8,931 4,053 4,285 480 113 1,118 1,220 1,932 2,089 1,824 748
2003 9,313 4,613 4,135 456 109 1,201 1,243 2,046 2,159 1,892 772
Total assets (in billions)
2007		 $11,982.4 $189.6 $1,298.2 $1,420.9 $9,073.7 $2,204.1 $2,948.8 $2,778.8 $863.4 $662.8 $2,524.5
2005 10,286.4 210.1 1,207.8 1,324.5 7,544.1 2,843.6 2,274.0 2,423.0 762.9 618.5 1,364.4
2003 8,605.7 235.8 1,138.2 1,292.0 5,939.7 2,938.4 1,749.1 1,608.2 437.1 591.7 1,281.3
Return on assets (%)
2007		 1.20 0.85 1.08 1.14 1.23 1.13 1.22 1.07 1.75 1.11 1.20
2005 1.34 1.04 1.21 1.34 1.36 1.31 1.44 1.01 1.67 1.28 1.64
2003 1.39 1.02 1.19 1.33 1.45 1.26 1.36 1.40 1.53 1.39 1.64
Net charge-offs to loans & leases (%)
2007		 0.45 0.15 0.13 0.25 0.55 0.81 0.22 0.31 0.63 0.19 0.57
2005 0.47 0.12 0.15 0.27 0.57 0.71 0.22 0.32 0.58 0.20 0.63
2003 0.81 0.19 0.27 0.49 1.03 1.24 0.62 0.63 1.04 0.37 0.65
Noncurrent assets plus OREO to assets (%)
2007		 0.57 0.77 0.67 0.58 0.55 0.55 0.36 0.60 1.08 0.63 0.61
2005 0.50 0.74 0.54 0.48 0.49 0.52 0.32 0.51 0.78 0.59 0.52
2003 0.86 0.92 0.76 0.69 0.92 0.94 0.76 0.98 0.82 0.83 0.72
Equity capital ratio (%)
2007		 10.58 13.24 10.50 11.24 10.43 12.73 10.04 9.13 10.57 10.60 10.92
2005 10.26 11.85 10.08 10.74 10.16 11.29 8.49 9.24 10.55 10.80 12.48
2003 9.20 11.35 10.02 10.09 8.76 8.88 9.22 8.60 10.61 9.60 9.97
* See Table IV-A (page 9) for explanations.

Last Updated 05/29/2008 Questions, Suggestions & Requests