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Quarterly Banking Profile
TABLE III-A. Third Quarter 2008, All FDIC-Insured Institutions
Third 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 8,384 26 4 1,587 4,811 826 101 297 692 40
Commercial banks 7,146 22 4 1,582 4,300 213 81 271 643 30
Savings institutions 1,238 4 0 5 511 613 20 26 49 10
Total assets (in billions) $13,573.7 $467.9 $3,263.3 $168.0 $6,078.2 $1,058.6 $72.4 $35.9 $94.8 $2,334.6
Commercial banks 12,050.4 448.4 3,263.3 167.5 5,560.7 225.7 34.3 30.3 83.2 2,236.9
Savings institutions 1,523.3 19.5 0.0 0.5 517.5 832.9 38.1 5.6 11.6 97.7
Total deposits (in billions) 8,727.5 167.8 1,989.4 133.5 4,226.5 600.4 59.5 26.4 77.0 1,447.0
Commercial banks 7,778.5 158.8 1,989.4 133.2 3,894.6 88.2 27.5 22.6 68.0 1,396.3
Savings institutions 949.0 8.9 0.0 0.4 331.9 512.2 32.0 3.8 9.0 50.7
Net income (in millions) 1,726 451 3,702 424 -1,677 -3,100 165 12 151 1,599
Commercial banks 8,284 377 3,702 423 25 711 145 -19 164 2,756
Savings institutions -6,558 74 0 1 -1,703 -3,811 21 31 -13 -1,157
Performance Ratios (annualized, %)
Yield on earning assets 5.63 12.12 4.84 6.36 5.91 5.84 6.80 4.63 6.07 4.41
Cost of funding earning assets 2.26 2.84 2.15 2.36 2.27 2.85 2.00 1.57 2.19 1.96
Net interest margin 3.37 9.28 2.69 4.00 3.64 2.99 4.80 3.07 3.88 2.45
Noninterest income to assets 1.76 6.73 2.02 0.67 1.44 0.55 1.74 11.00 0.98 1.78
Noninterest expense to assets 2.83 6.91 2.48 2.66 3.03 2.08 3.05 11.78 3.01 2.16
Loan and lease loss provision to assets 1.53 6.78 1.37 0.35 1.38 2.36 1.70 0.16 0.30 0.83
Net operating income to assets 0.19 0.23 0.36 1.12 0.14 -1.10 0.96 0.86 1.00 0.52
Pretax return on assets 0.07 0.63 0.44 1.21 -0.15 -1.18 1.43 0.88 0.79 0.50
Return on assets 0.05 0.39 0.49 1.01 -0.11 -1.17 0.93 0.13 0.64 0.28
Return on equity 0.53 1.84 6.59 9.21 -1.03 -15.07 9.99 0.67 5.70 3.17
Net charge-offs to loans and leases 1.42 6.24 1.44 0.41 1.21 1.03 2.00 0.43 0.34 1.11
Loan and lease loss provision to net charge-offs 181.23 148.52 222.42 125.78 163.75 327.66 100.68 152.18 155.69 165.61
Efficiency ratio 57.98 45.45 58.16 60.69 61.16 61.53 48.69 79.11 65.96 54.01
% of unprofitable institutions 24.08 19.23 0.00 8.63 31.03 24.94 13.86 20.88 12.86 32.50
% of institutions with earnings gains 40.71 23.08 50.00 55.39 32.16 53.27 48.51 42.42 50.87 30.00
Structural Changes
New Charters 21 0 0 1 5 1 0 14 0 0
Institutions absorbed by mergers 73 0 2 6 57 3 1 0 1 3
Failed Institutions 9 0 0 0 7 2 0 0 0 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2007		 0.92 4.07 0.69 1.30 0.99 0.31 1.17 2.20 1.07 0.81
2005 1.31 3.16 1.02 1.33 1.39 1.03 1.76 1.78 1.12 1.31
2003 1.36 4.25 1.02 1.25 1.28 1.33 1.68 1.47 1.06 1.33
Net charge-offs to loans and leases (%)
2007		 0.57 3.98 0.77 0.26 0.32 0.42 1.04 0.32 0.22 0.42
2005 0.51 4.28 1.19 0.16 0.23 0.10 1.39 0.18 0.20 0.26
2003 0.73 4.80 1.40 0.29 0.47 0.19 1.34 2.47 0.37 0.48
* See Table IV-A (page 8) for explanations.

Last Updated 11/25/2008 Questions, Suggestions & Requests

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