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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 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 8,384 3,240 4,470 560 114 1,027 1,197 1,721 1,943 1,719 777
Commercial banks 7,146 2,882 3,755 425 84 535 1,056 1,419 1,837 1,592 707
Savings institutions 1,238 358 715 135 30 492 141 302 106 127 70
Total assets (in billions) $13,573.7 $174.9 $1,338.3 $1,475.0 $10,585.5 $2,689.6 $3,427.8 $3,324.7 $1,009.2 $770.8 $2,351.5
Commercial banks 12,050.4 156.4 1,088.3 1,137.1 9,668.7 1,994.0 3,164.1 3,178.0 964.5 636.0 2,113.7
Savings institutions 1,523.3 18.5 250.1 337.9 916.8 695.6 263.7 146.7 44.7 134.8 237.8
Total deposits (in billions) 8,727.5 141.7 1,053.3 1,047.1 6,485.3 1,652.4 2,235.6 2,105.0 708.7 551.0 1,474.8
Commercial banks 7,778.5 127.6 869.2 812.8 5,968.8 1,197.2 2,076.0 2,001.3 677.9 473.0 1,353.1
Savings institutions 949.0 14.1 184.1 234.3 516.4 455.2 159.7 103.7 30.7 78.0 121.6
Net income (in millions) 1,726 128 43 -1,924 3,479 226 2,307 830 1,322 361 -3,320
Commercial banks 8,284 150 301 -434 8,267 2,093 2,437 1,413 1,340 801 200
Savings institutions -6,558 -21 -258 -1,490 -4,788 -1,867 -130 -583 -18 -440 -3,520
Performance Ratios (annualized,%)
Yield on earning assets 5.63 6.28 6.25 5.86 5.49 5.87 5.47 4.89 6.41 6.04 6.09
Cost of funding earning assets 2.26 2.30 2.50 2.30 2.21 2.24 2.41 2.14 1.98 2.19 2.36
Net interest margin 3.37 3.98 3.75 3.56 3.28 3.63 3.07 2.75 4.43 3.86 3.73
Noninterest income to assets 1.76 0.99 1.06 0.62 2.02 1.91 1.85 1.78 2.20 1.35 1.38
Noninterest expense to assets 2.83 3.68 3.29 2.78 2.77 2.93 2.56 2.74 3.83 3.29 2.68
Loan and lease loss provision to assets 1.53 0.46 0.74 1.12 1.70 1.45 1.39 1.39 1.42 1.01 2.19
Net operating income to assets 0.19 0.40 0.34 -0.16 0.21 0.33 0.40 0.07 0.57 0.32 -0.33
Pretax return on assets 0.07 0.37 0.08 -0.56 0.16 0.20 0.31 0.01 0.73 0.31 -0.68
Return on assets 0.05 0.30 0.01 -0.52 0.14 0.03 0.27 0.11 0.53 0.19 -0.56
Return on equity 0.53 2.24 0.13 -4.72 1.42 0.30 2.68 1.20 5.45 1.91 -6.34
Net charge-offs to loans and leases 1.42 0.42 0.69 1.04 1.63 1.49 1.28 1.32 1.60 0.84 1.79
Loan and lease loss provision to net charge-offs 181.23 172.09 149.53 155.34 186.46 176.41 177.60 195.67 130.65 180.81 197.72
Efficiency ratio 57.98 79.15 69.99 65.49 55.29 55.41 55.82 60.42 61.85 64.54 56.74
% of unprofitable institutions 24.08 24.75 23.09 26.61 31.58 31.65 40.27 20.05 14.82 15.76 39.64
% of institutions with earnings gains 40.71 45.19 39.26 30.00 22.81 40.21 22.97 45.67 48.38 46.02 26.77
Structural Changes
New Charters 21 16 3 1 1 3 6 1 1 5 5
Institutions absorbed by mergers 73 21 47 3 2 10 18 19 15 9 2
Failed Institutions 9 0 4 3 2 0 3 0 1 0 5
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2007		 0.92 0.79 1.03 1.18 0.87 0.89 0.75 0.90 1.61 1.14 0.88
2005 1.31 1.08 1.27 1.34 1.32 1.24 1.35 1.08 1.73 1.18 1.60
2003 1.36 1.01 1.17 1.34 1.41 1.24 1.40 1.21 1.77 1.34 1.66
Net charge-offs to loans and leases (%)
2007		 0.57 0.26 0.24 0.42 0.66 0.92 0.29 0.44 0.74 0.29 0.76
2005 0.51 0.16 0.18 0.23 0.64 0.97 0.27 0.29 0.54 0.25 0.59
2003 0.73 0.30 0.37 0.49 0.87 1.10 0.50 0.65 0.85 0.38 0.60
* See Table IV-A (page 9) for explanations.

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

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