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

Quarterly Banking Profile
TABLE IV-A.First-Half 2009, All FDIC-Insured Institutions
FIRST-HALF
(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) 2,613 -2,538 774 750 -4,918 2,599 75 124 409 5,338
Commercial banks 4,513 -2,973 774 750 -1,549 1,262 -3 45 403 5,804
Savings institutions -1,901 436 0 0 -3,369 1,338 78 78 5 -467
Performance Ratios (annualized,%)
Yield on earning assets 4.84 11.75 3.98 5.72 5.11 5.19 5.84 4.02 5.49 3.67
Cost of funding earning assets 1.41 1.39 1.03 1.85 1.54 2.02 1.67 1.25 1.74 1.24
Net interest margin 3.43 10.35 2.95 3.87 3.57 3.17 4.17 2.77 3.75 2.43
Noninterest income to assets 2.01 5.38 2.05 0.63 1.76 0.99 2.48 8.01 0.87 2.30
Noninterest expense to assets 2.90 5.87 2.60 2.73 3.26 1.88 3.01 9.14 3.02 2.13
Loan and lease loss provision to assets 1.89 9.68 1.62 0.44 1.67 1.18 2.89 0.20 0.30 1.64
Net operating income to assets 0.09 -1.19 0.27 0.86 -0.11 0.52 0.18 0.67 0.80 0.35
Pretax return on assets 0.11 -1.62 0.05 1.04 -0.11 0.92 0.51 1.19 1.00 0.63
Return on assets 0.04 -1.04 0.05 0.89 -0.16 0.57 0.19 0.68 0.82 0.43
Return on equity 0.38 -4.55 0.60 8.02 -1.60 6.41 1.99 4.18 7.16 4.34
Net charge-offs to loans and leases 2.24 9.57 2.73 0.47 1.74 1.13 2.74 0.81 0.42 2.04
Loan and lease loss provision to net charge-offs 147.73 138.13 156.76 142.88 138.53 158.05 132.04 98.67 129.54 176.40
Efficiency ratio 55.35 39.63 57.17 64.29 60.90 47.60 46.47 80.51 69.75 48.39
% of unprofitable institutions 26.94 54.17 40.00 10.19 36.45 20.77 12.35 19.05 13.07 26.92
% of institutions with earnings gains 35.06 16.67 40.00 39.97 29.35 54.88 46.91 36.05 37.87 32.69
Condition Ratios (%)
Earning assets to total assets 86.15 80.15 83.77 91.89 87.66 92.62 93.66 89.74 91.85 83.23
Loss Allowance to:
Loans and leases 2.77 9.01 3.82 1.39 2.24 1.45 3.00 1.42 1.30 2.54
Noncurrent loans and leases 63.54 264.41 67.63 79.22 53.30 34.89 203.44 60.53 73.77 56.43
Noncurrent assets plus other real estate owned to assets 2.77 2.45 2.25 1.45 3.36 3.00 1.23 0.72 1.30 2.23
Equity capital ratio 10.56 24.51 8.42 11.08 10.55 9.47 9.96 16.58 11.37 10.91
Core capital (leverage) ratio 8.25 18.26 7.03 10.01 8.18 8.93 9.61 14.19 11.00 7.54
Tier 1 risk-based capital ratio 11.05 12.68 11.38 13.59 9.96 17.14 12.39 33.93 18.01 10.73
Total risk-based capital ratio 13.76 14.73 14.72 14.69 12.56 18.14 14.31 34.69 19.16 13.95
Net loans and leases to deposits 82.19 194.39 57.57 80.79 91.62 107.61 93.75 31.10 67.13 67.84
Net loans to total assets 55.74 65.62 35.88 65.28 67.79 63.95 77.68 23.53 55.29 45.99
Domestic deposits to total assets 56.80 31.68 30.33 80.80 70.64 59.36 81.20 73.49 82.32 58.03
Structural Changes
New Charters 25 0 0 1 5 1 0 15 1 2
Institutions absorbed by mergers 89 0 0 6 75 2 0 1 4 1
Failed Institutions 45 0 0 3 38 2 0 0 2 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2008		 8,451 27 6 1,585 4,788 844 98 306 754 43
2006 8,777 29 5 1,681 4,708 861 123 404 910 56
2004 9,078 36 6 1,775 4,350 997 144 488 1,195 87
Total assets (in billions)
2008		 $13,300.5 $450.1 $2,980.5 $165.7 $5,362.5 $1,376.1 $71.3 $32.8 $98.8 $2,762.6
2006 11,526.1 376.8 2,097.8 146.6 4,552.3 1,765.2 97.5 45.3 117.1 2,327.6
2004 9,648.5 334.4 1,554.5 135.7 3,031.1 1,402.0 160.7 57.1 155.6 2,817.4
Return on assets (%)
2008		 0.36 3.49 0.31 1.18 0.51 -0.84 1.04 2.28 1.01 0.12
2006 1.34 4.58 1.08 1.29 1.33 1.06 2.00 0.88 1.02 1.27
2004 1.33 3.97 0.89 1.26 1.35 1.22 1.58 1.36 1.10 1.29
Net charge-offs to loans & leases (%)
2008		 1.16 5.38 1.20 0.21 0.86 1.48 1.72 0.46 0.22 0.78
2006 0.34 3.14 0.55 0.14 0.17 0.12 0.94 0.74 0.15 0.19
2004 0.60 5.03 1.13 0.15 0.32 0.12 1.29 0.50 0.27 0.29
Noncurrent assets plus OREO to assets (%)
2008		 1.40 1.67 0.86 1.06 1.67 2.56 0.80 0.27 0.79 0.90
2006 0.47 1.28 0.40 0.68 0.47 0.54 0.60 0.21 0.53 0.36
2004 0.60 1.33 0.75 0.80 0.59 0.58 0.79 0.30 0.64 0.43
Equity capital ratio (%)
2008		 10.16 21.98 7.86 10.94 11.31 7.90 9.39 20.93 11.16 9.42
2006 10.27 27.09 8.05 10.73 10.20 10.64 9.92 21.35 10.79 9.14
2004 9.50 18.01 7.18 10.52 9.35 8.65 7.99 16.25 10.38 10.23

*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 8/27/2009 Questions, Suggestions & Requests