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

Quarterly Banking Profile
TABLE III-A. Second Quarter 2009, All FDIC-Insured Institutions
Second 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 8,195 24 5 1,551 4,637 809 81 294 742 52
Commercial banks 6,995 20 5 1,546 4,150 223 64 262 685 40
Savings institutions 1,200 4 0 5 487 586 17 32 57 12
Total assets (in billions) $13,301.5 $484.8 $3,204.0 $170.1 $5,947.3 $933.2 $86.3 $36.0 $101.7 $2,338.1
Commercial banks 11,895.1 462.5 3,204.0 169.7 5,447.0 241.0 43.5 30.4 88.2 2,208.7
Savings institutions 1,406.4 22.3 0.0 0.5 500.2 692.2 42.7 5.6 13.5 129.3
Total deposits (in billions) 9,020.6 163.7 1,996.8 137.5 4,400.5 554.6 71.5 27.3 83.7 1,585.1
Commercial banks 8,077.2 151.1 1,996.8 137.1 4,058.4 101.0 34.0 23.8 73.0 1,501.9
Savings institutions 943.4 12.5 0.0 0.4 342.1 453.6 37.5 3.5 10.7 83.2
Net income (in millions) -3,712 -873 -4,296 336 -2,429 1,299 119 110 188 1,833
Commercial banks -3,694 -1,087 -4,296 337 -1,786 893 56 64 186 1,939
Savings institutions -18 214 0 -1 -643 406 63 46 2 -105
Performance Ratios (annualized,%)
Yield on earning assets 4.83 11.83 3.92 5.69 5.08 5.13 5.84 3.87 5.42 3.78
Cost of funding earning assets 1.35 1.39 0.99 1.79 1.48 1.89 1.74 1.18 1.68 1.18
Net interest margin 3.48 10.44 2.93 3.90 3.60 3.24 4.10 2.68 3.74 2.61
Noninterest income to assets 2.01 4.84 1.78 0.64 1.87 0.97 3.14 8.03 0.89 2.52
Noninterest expense to assets 2.96 5.86 2.73 2.84 3.28 1.95 3.16 8.49 3.07 2.22
Loan and lease loss provision to assets 1.99 8.69 1.76 0.50 1.86 1.12 2.52 0.18 0.33 1.82
Net operating income to assets 0.01 -0.92 -0.10 0.76 -0.16 0.57 0.56 1.20 0.76 0.43
Pretax return on assets -0.10 -1.08 -0.71 0.93 -0.13 0.90 1.32 1.82 0.90 0.38
Return on assets -0.11 -0.73 -0.54 0.79 -0.16 0.56 0.57 1.21 0.75 0.30
Return on equity -1.07 -3.03 -6.36 7.14 -1.56 6.13 6.07 7.51 6.55 2.91
Net charge-offs to loans and leases 2.55 10.78 3.07 0.60 2.04 1.27 2.85 0.71 0.49 2.30
Loan and lease loss provision to net charge-offs 136.77 111.26 151.96 127.12 131.55 134.42 111.19 103.31 119.29 172.40
Efficiency ratio 57.07 41.06 63.68 65.68 61.91 48.56 44.73 80.75 70.72 46.81
% of unprofitable institutions 28.30 41.67 40.00 11.48 37.57 21.76 16.05 22.79 15.50 30.77
% of institutions with earnings gains 34.72 29.17 40.00 38.68 31.16 45.36 40.74 34.35 36.66 34.62
Structural Changes
New Charters 12 0 0 1 2 0 0 7 0 2
Institutions absorbed by mergers 39 0 0 2 33 1 0 0 2 1
Failed Institutions 24 0 0 1 20 1 0 0 2 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%) 2008 0.14 2.39 0.26 1.17 0.24 -1.46 0.82 1.82 0.99 0.12
2006 1.34 4.64 1.01 1.31 1.33 1.07 1.79 2.76 1.02 1.29
2004 1.31 4.08 0.68 1.27 1.36 1.21 1.54 1.28 1.10 1.33
Net charge-offs to loans & leases (%) 2008 1.32 5.87 1.27 0.26 1.00 1.82 1.75 0.66 0.29 0.94
2006 0.35 3.43 0.59 0.17 0.17 0.13 0.92 0.56 0.18 0.19
2004 0.58 5.08 0.99 0.18 0.32 0.11 1.15 0.41 0.29 0.31
* See Table IV-A (page 8) for explanations

Last Updated 8/27/2009 Questions, Suggestions & Requests