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 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 8,195 3,010 4,487 582 116 996 1,164 1,685 1,914 1,680 756
Commercial banks 6,995 2,682 3,780 445 88 524 1,025 1,387 1,812 1,558 689
Savings institutions 1,200 328 707 137 28 472 139 298 102 122 67
Total assets (in billions) $13,301.5 $165.1 $1,348.6 $1,501.3 $10,286.5 $2,458.4 $3,495.1 $3,124.3 $1,063.1 $777.5 $2,383.0
Commercial banks 11,895.1 147.8 1,101.1 1,158.0 9,488.3 1,749.0 3,345.2 2,975.8 1,014.9 651.5 2,158.8
Savings institutions 1,406.4 17.4 247.5 343.3 798.2 709.4 149.9 148.5 48.2 126.0 224.3
Total deposits (in billions) 9,020.6 136.3 1,090.2 1,119.4 6,674.7 1,514.1 2,505.6 2,059.2 783.3 587.1 1,571.3
Commercial banks 8,077.2 122.9 900.8 863.7 6,189.9 1,022.0 2,395.0 1,951.1 747.7 503.8 1,457.6
Savings institutions 943.4 13.4 189.4 255.7 484.8 492.0 110.5 108.1 35.6 83.3 113.7
Net income (in millions) -3,712 29 -266 -2,800 -675 -3,331 -413 1,532 2,019 494 -4,013
Commercial banks -3,694 4 -155 -2,741 -801 -3,530 -200 1,779 2,036 528 -4,305
Savings institutions -18 25 -110 -59 126 199 -212 -247 -17 -34 293
Performance Ratios (annualized,%)
Yield on earning assets 4.83 5.64 5.54 5.18 4.66 5.22 4.58 4.20 5.65 5.08 5.18
Cost of funding earning assets 1.35 1.81 1.97 1.84 1.18 1.50 1.33 1.19 1.14 1.49 1.48
Net interest margin 3.48 3.82 3.57 3.34 3.49 3.73 3.25 3.01 4.51 3.60 3.69
Noninterest income to assets 2.01 1.28 1.00 1.34 2.25 1.86 2.22 2.29 3.30 1.52 1.08
Noninterest expense to assets 2.96 3.88 3.31 3.31 2.86 2.93 2.77 2.98 4.11 3.31 2.63
Loan and lease loss provision to assets 1.99 0.70 1.04 1.87 2.16 1.92 2.08 1.68 1.69 1.21 2.76
Net operating income to assets 0.01 0.06 -0.08 -0.75 0.13 0.10 0.02 0.12 0.89 0.19 -0.69
Pretax return on assets -0.10 0.19 -0.07 -0.81 -0.01 -0.48 -0.05 0.33 1.24 0.30 -1.09
Return on assets -0.11 0.07 -0.08 -0.75 -0.03 -0.54 -0.05 0.19 0.76 0.25 -0.68
Return on equity -1.07 0.55 -0.79 -7.02 -0.25 -4.34 -0.44 2.30 7.33 2.56 -6.42
Net charge-offs to loans and leases 2.55 0.89 1.10 2.17 2.89 2.90 2.25 2.38 2.54 1.32 3.36
Loan and lease loss provision to net charge-offs 136.77 125.49 135.64 126.39 138.33 122.59 154.45 136.69 100.00 140.83 144.33
Efficiency ratio 57.07 80.91 75.89 68.28 53.35 55.43 53.22 59.67 55.33 67.17 59.43
% of unprofitable institutions 28.30 27.14 27.75 34.88 46.55 28.41 52.92 23.03 19.28 17.14 49.60
% of institutions with earnings gains 34.72 39.80 32.34 28.01 28.45 34.94 24.57 38.16 35.84 38.81 30.42
Structural Changes
New Charters 12 10 0 1 1 0 6 2 0 3 1
Institutions absorbed by mergers 39 12 22 4 1 9 7 6 9 7 1
Failed Institutions 24 3 17 3 1 1 8 4 3 1 7
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2008		 0.14 0.57 0.53 0.25 0.07 0.76 0.16 0.11 0.91 0.59 -0.79
2006 1.34 1.02 1.26 1.34 1.36 1.28 1.32 1.09 1.63 1.29 1.78
2004 1.31 0.98 1.17 1.46 1.32 1.08 1.40 1.36 1.53 1.31 1.59
Net charge-offs to loans & leases (%)
2008		 1.32 0.30 0.47 1.00 1.53 1.30 1.14 1.27 1.31 0.65 1.80
2006 0.35 0.15 0.15 0.20 0.42 0.56 0.15 0.23 0.37 0.22 0.54
2004 0.58 0.23 0.23 0.45 0.68 0.85 0.32 0.41 0.76 0.39 0.61
* See Table IV-A (page 9) for explanations.

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