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Quarterly Banking Profile
TABLE IV-A.First Three Quarters 2008, All FDIC-Insured Institutions
FIRST THREE QUARTERS
(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) 32,569 8,309 6,912 1,395 10,596 -2,295 530 413 625 6,083
Commercial banks 38,123 7,908 6,912 1,392 11,587 1,938 317 272 624 7,172
Savings institutions -5,555 401 0 3 -991 -4,233 213 141 0 -1,089
Performance Ratios (annualized,%)
Yield on earning assets 5.81 11.99 5.27 6.48 6.06 5.34 6.94 4.71 6.16 4.80
Cost of funding earning assets 2.48 3.05 2.48 2.57 2.47 2.75 2.24 1.73 2.39 2.29
Net interest margin 3.33 8.94 2.80 3.91 3.59 2.59 4.71 2.97 3.77 2.51
Noninterest income to assets 1.80 8.69 1.72 0.67 1.52 0.62 1.97 11.30 0.96 1.76
Noninterest expense to assets 2.81 6.75 2.58 2.62 2.96 1.74 3.09 10.98 2.97 2.26
Loan and lease loss provision to assets 1.27 5.78 1.13 0.25 1.19 1.50 1.95 0.13 0.23 0.80
Net operating income to assets 0.38 2.10 0.29 1.15 0.32 -0.28 0.90 1.79 0.99 0.53
Pretax return on assets 0.49 3.76 0.32 1.34 0.38 -0.22 1.51 2.53 1.09 0.55
Return on assets 0.33 2.43 0.31 1.13 0.24 -0.29 1.00 1.56 0.89 0.36
Return on equity 3.35 11.14 4.16 10.15 2.18 -3.72 10.90 7.72 7.87 4.00
Net charge-offs to loans and leases 1.18 5.64 1.28 0.28 0.97 0.74 1.81 0.43 0.29 0.88
Loan and lease loss provision to net charge-offs 181.62 138.96 204.12 135.53 176.61 290.78 127.77 123.77 144.23 196.58
Efficiency ratio 57.70 39.47 63.39 61.25 60.02 56.89 48.08 76.27 67.03 56.63
% of unprofitable institutions 21.00 7.69 25.00 5.29 27.85 23.37 11.88 18.18 9.39 25.00
% of institutions with earnings gains 40.73 34.62 50.00 55.64 32.45 47.82 49.50 44.78 52.75 42.50
Condition Ratios (%)
Earning assets to total assets 84.68 79.29 79.91 91.62 86.90 91.60 93.18 88.43 91.55 82.38
Loss Allowance to:
Loans and leases 1.95 5.84 2.36 1.28 1.70 1.65 1.97 1.33 1.22 1.48
Noncurrent loans and leases 84.69 248.14 104.00 91.62 70.75 57.38 211.15 146.05 96.94 83.19
Noncurrent assets plus other real estate owned to assets 1.54 1.73 1.09 1.15 1.92 2.30 0.82 0.28 0.92 0.85
Equity capital ratio 9.63 20.86 7.13 11.07 10.67 7.99 9.15 19.55 11.20 8.61
Core capital (leverage) ratio 7.81 13.82 6.79 10.18 8.03 7.79 8.97 17.64 10.97 6.84
Tier 1 risk-based capital ratio 9.79 13.09 8.30 13.49 9.42 14.03 10.44 38.13 17.83 9.71
Total risk-based capital ratio 12.54 15.60 12.18 14.55 11.90 15.01 12.51 39.03 18.92 12.63
Net loans and leases to deposits 89.76 193.28 68.53 84.31 98.98 120.74 100.08 31.52 68.91 69.44
Net loans to total assets 57.71 69.30 41.78 67.02 68.82 68.49 82.22 23.15 55.96 43.04
Domestic deposits to total assets 53.21 33.01 31.03 79.49 66.04 56.66 81.12 69.92 81.14 49.14
Structural Changes
New Charters 83 0 0 2 22 2 0 57 0 0
Institutions absorbed by mergers 214 0 2 24 159 12 2 1 8 6
Failed Institutions 13 0 0 1 10 2 0 0 0 0
PRIOR FIRST THREE QUARTERS
(The way it was...)
Number of institutions
2007		 8,559 28 4 1,634 4,739 780 120 376 821 57
2005 8,858 29 4 1,733 4,557 928 125 420 992 70
2003 9,236 36 6 1,821 4,167 1,024 166 522 1,391 103
Total assets (in billions)
2007		 $12,706.2 $423.5 $2,644.0 $157.3 $5,054.4 $1,454.1 $95.8 $40.1 $111.4 $2,725.5
2005 10,700.7 359.9 1,838.9 143.0 3,667.4 1,677.1 109.2 47.7 128.6 2,729.0
2003 8,943.1 308.8 1,427.9 129.5 3,095.8 1,588.5 191.9 62.2 192.1 1,946.3
Return on assets (%)
2007		 1.10 3.81 0.87 1.25 1.09 0.73 1.40 2.37 1.04 1.09
2005 1.31 3.19 0.88 1.32 1.36 1.12 1.70 1.73 1.12 1.36
2003 1.38 3.93 1.05 1.25 1.30 1.44 1.54 1.36 1.09 1.31
Net charge-offs to loans & leases (%)
2007		 0.50 3.90 0.65 0.19 0.28 0.29 0.97 0.30 0.17 0.35
2005 0.47 4.27 0.88 0.15 0.22 0.10 1.46 0.29 0.27 0.20
2003 0.78 5.12 1.41 0.24 0.52 0.19 1.42 1.44 0.31 0.56
Noncurrent assets plus OREO to assets (%)
2007		 0.73 1.34 0.51 0.81 0.81 1.09 0.53 0.26 0.64 0.54
2005 0.50 1.36 0.48 0.68 0.48 0.57 0.54 0.25 0.57 0.37
2003 0.77 1.34 0.98 0.95 0.79 0.64 0.88 0.36 0.74 0.61
Equity capital ratio (%)
2007		 10.45 23.17 7.78 11.32 10.86 9.44 11.89 19.54 11.58 10.55
2005 10.25 22.07 8.23 10.86 10.21 10.67 9.58 19.26 10.83 9.66
2003 9.13 17.03 7.27 10.81 9.42 8.79 7.49 15.92 10.57 8.75

* 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 11/25/2008 Questions, Suggestions & Requests

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