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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 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) | 32,569 | 616 | 4,395 | 2,335 | 25,222 | 11,278 | 7,931 | 7,061 | 6,889 | 3,188 | -3,779 |
| Commercial banks | 38,123 | 644 | 4,178 | 3,265 | 30,037 | 11,463 | 8,269 | 7,454 | 6,913 | 3,588 | 437 |
| Savings institutions | -5,555 | -28 | 217 | -930 | -4,815 | -185 | -338 | -392 | -25 | -399 | -4,216 |
| Performance Ratios (annualized,%) | |||||||||||
| Yield on earning assets | 5.81 | 6.36 | 6.40 | 6.14 | 5.67 | 6.08 | 5.47 | 5.18 | 6.53 | 6.18 | 6.40 |
| Cost of funding earning assets | 2.48 | 2.48 | 2.70 | 2.57 | 2.44 | 2.53 | 2.51 | 2.41 | 2.22 | 2.42 | 2.61 |
| Net interest margin | 3.33 | 3.89 | 3.70 | 3.57 | 3.23 | 3.55 | 2.96 | 2.77 | 4.32 | 3.76 | 3.79 |
| Noninterest income to assets | 1.80 | 1.04 | 1.10 | 1.22 | 1.98 | 2.10 | 1.64 | 1.92 | 2.86 | 1.42 | 1.22 |
| Noninterest expense to assets | 2.81 | 3.63 | 3.22 | 2.97 | 2.72 | 2.90 | 2.46 | 2.69 | 3.83 | 3.22 | 2.81 |
| Loan and lease loss provision to assets | 1.27 | 0.34 | 0.55 | 0.92 | 1.44 | 1.16 | 1.19 | 1.20 | 1.40 | 0.80 | 1.71 |
| Net operating income to assets | 0.38 | 0.50 | 0.55 | 0.32 | 0.37 | 0.68 | 0.37 | 0.26 | 0.92 | 0.57 | -0.04 |
| Pretax return on assets | 0.49 | 0.61 | 0.61 | 0.40 | 0.49 | 0.96 | 0.43 | 0.45 | 1.38 | 0.77 | -0.30 |
| Return on assets | 0.33 | 0.48 | 0.45 | 0.21 | 0.33 | 0.60 | 0.31 | 0.31 | 0.94 | 0.57 | -0.21 |
| Return on equity | 3.35 | 3.58 | 4.30 | 1.90 | 3.45 | 5.09 | 3.04 | 3.47 | 9.54 | 5.75 | -2.37 |
| Net charge-offs to loans and leases | 1.18 | 0.30 | 0.49 | 0.85 | 1.37 | 1.31 | 0.98 | 1.14 | 1.36 | 0.65 | 1.48 |
| Loan and lease loss provision to net charge-offs | 181.62 | 177.88 | 158.47 | 157.47 | 185.64 | 157.79 | 197.51 | 196.39 | 151.17 | 185.24 | 186.59 |
| Efficiency ratio | 57.70 | 78.65 | 69.81 | 61.13 | 55.38 | 53.80 | 57.23 | 58.74 | 56.57 | 64.37 | 60.20 |
| % of unprofitable institutions | 21.00 | 22.90 | 19.42 | 21.43 | 27.19 | 28.14 | 36.42 | 17.55 | 11.73 | 12.97 | 36.42 |
| % of institutions with earnings gains | 40.73 | 44.26 | 39.51 | 33.57 | 23.68 | 40.21 | 23.14 | 43.93 | 48.43 | 47.59 | 27.03 |
| Condition Ratios (%) | |||||||||||
| Earning assets to total assets | 84.68 | 91.85 | 91.73 | 90.21 | 82.89 | 82.90 | 84.35 | 84.70 | 86.30 | 89.89 | 84.73 |
| Loss Allowance to: | |||||||||||
| Loans and leases | 1.95 | 1.32 | 1.28 | 1.54 | 2.15 | 1.93 | 1.76 | 2.01 | 1.88 | 1.47 | 2.39 |
| Noncurrent loans and leases | 84.69 | 79.21 | 64.59 | 62.19 | 91.76 | 114.98 | 73.64 | 79.44 | 77.46 | 71.69 | 92.95 |
| Noncurrent assets plus other real estate owned to assets | 1.54 | 1.40 | 1.81 | 2.04 | 1.43 | 0.98 | 1.67 | 1.56 | 1.90 | 1.63 | 1.75 |
| Equity capital ratio | 9.63 | 13.15 | 10.19 | 10.89 | 9.33 | 10.92 | 10.15 | 8.56 | 9.67 | 9.87 | 8.80 |
| Core capital (leverage) ratio | 7.81 | 12.99 | 9.79 | 9.24 | 7.23 | 8.71 | 6.93 | 7.76 | 8.02 | 8.83 | 7.78 |
| Tier 1 risk-based capital ratio | 9.79 | 18.68 | 12.95 | 11.62 | 8.98 | 11.81 | 8.92 | 8.82 | 9.44 | 11.24 | 10.12 |
| Total risk-based capital ratio | 12.54 | 19.73 | 14.07 | 13.00 | 12.16 | 13.87 | 11.88 | 11.86 | 12.12 | 12.99 | 13.18 |
| Net loans and leases to deposits | 89.76 | 78.75 | 89.59 | 98.12 | 88.68 | 86.34 | 91.80 | 83.35 | 95.17 | 92.04 | 96.21 |
| Net loans to total assets | 57.71 | 63.81 | 70.52 | 69.66 | 54.33 | 53.04 | 59.87 | 52.77 | 66.83 | 65.79 | 60.34 |
| Domestic deposits to total assets | 53.21 | 81.03 | 78.58 | 70.23 | 47.17 | 53.05 | 58.13 | 50.11 | 64.26 | 70.71 | 40.11 |
| Structural Changes | |||||||||||
| New Charters | 83 | 77 | 4 | 1 | 1 | 18 | 28 | 1 | 4 | 14 | 18 |
| Institutions absorbed by mergers | 214 | 78 | 109 | 22 | 5 | 28 | 53 | 44 | 44 | 37 | 8 |
| Failed Institutions | 13 | 3 | 4 | 4 | 2 | 0 | 3 | 0 | 4 | 1 | 5 |
| PRIOR FIRST THREE QUARTERS (The way it was...) |
|||||||||||
| Number of institutions 2007 |
8,559 | 3,513 | 4,391 | 539 | 116 | 1,046 | 1,215 | 1,793 | 1,990 | 1,740 | 775 |
| 2005 | 8,858 | 3,943 | 4,294 | 503 | 118 | 1,113 | 1,219 | 1,890 | 2,074 | 1,806 | 756 |
| 2003 | 9,236 | 4,464 | 4,190 | 469 | 113 | 1,188 | 1,231 | 2,027 | 2,141 | 1,878 | 771 |
| Total assets (in billions) 2007 |
$12,706.2 | $186.1 | $1,296.7 | $1,408.2 | $9,815.2 | $2,382.1 | $3,195.9 | $2,796.4 | $931.5 | $659.4 | $2,740.9 |
| 2005 | 10,700.7 | 205.8 | 1,225.7 | 1,365.9 | 7,903.2 | 2,755.9 | 2,635.3 | 2,494.5 | 784.1 | 585.0 | 1,445.8 |
| 2003 | 8,943.1 | 229.1 | 1,159.8 | 1,289.6 | 6,264.7 | 3,039.0 | 1,858.6 | 1,653.8 | 445.3 | 592.6 | 1,353.9 |
| Return on assets (%) 2007 |
1.10 | 0.84 | 1.06 | 1.09 | 1.12 | 1.00 | 1.05 | 1.01 | 1.63 | 1.15 | 1.16 |
| 2005 | 1.31 | 1.08 | 1.24 | 1.34 | 1.32 | 1.27 | 1.38 | 1.01 | 1.65 | 1.25 | 1.62 |
| 2003 | 1.38 | 0.97 | 1.20 | 1.35 | 1.43 | 1.25 | 1.38 | 1.31 | 1.62 | 1.39 | 1.65 |
| Net charge-offs to loans & leases (%) 2007 |
0.50 | 0.18 | 0.19 | 0.35 | 0.59 | 0.86 | 0.25 | 0.37 | 0.66 | 0.23 | 0.64 |
| 2005 | 0.47 | 0.16 | 0.18 | 0.22 | 0.58 | 0.81 | 0.22 | 0.29 | 0.54 | 0.23 | 0.61 |
| 2003 | 0.78 | 0.26 | 0.32 | 0.52 | 0.95 | 1.17 | 0.56 | 0.66 | 0.97 | 0.38 | 0.64 |
| Noncurrent assets plus OREO to assets (%) 2007 |
0.73 | 0.87 | 0.89 | 0.83 | 0.69 | 0.66 | 0.54 | 0.78 | 1.19 | 0.78 | 0.80 |
| 2005 | 0.50 | 0.71 | 0.54 | 0.50 | 0.49 | 0.46 | 0.31 | 0.54 | 0.80 | 0.73 | 0.58 |
| 2003 | 0.77 | 0.91 | 0.73 | 0.64 | 0.81 | 0.84 | 0.60 | 0.96 | 0.74 | 0.78 | 0.64 |
| Equity capital ratio (%) 2007 |
10.45 | 13.68 | 10.57 | 11.38 | 10.23 | 12.43 | 10.14 | 9.09 | 10.13 | 10.39 | 10.58 |
| 2005 | 10.25 | 12.26 | 10.26 | 10.57 | 10.14 | 10.63 | 9.86 | 9.18 | 10.67 | 9.57 | 12.12 |
| 2003 | 9.13 | 11.44 | 10.03 | 10.48 | 8.60 | 8.96 | 8.83 | 8.64 | 10.79 | 9.64 | 9.74 |
|
* REGIONS: Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West VirginiaChicago: 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 |
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| Last Updated 11/25/2008 | Questions, Suggestions & Requests |
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