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 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) 2,613 139 694 -3,420 5,199 -2,975 2,255 2,484 3,524 -886 -1,789
Commercial banks 4,513 96 721 -3,033 6,729 -2,631 2,830 2,833 3,485 729 -2,731
Savings institutions -1,901 43 -27 -387 -1,530 -344 -575 -348 39 -1,615 942
Performance Ratios (annualized,%)
Yield on earning assets 4.84 5.68 5.61 5.26 4.66 5.27 4.46 4.29 5.64 5.14 5.22
Cost of funding earning assets 1.41 1.87 2.04 1.91 1.23 1.58 1.38 1.25 1.18 1.57 1.52
Net interest margin 3.43 3.80 3.57 3.36 3.42 3.69 3.08 3.05 4.46 3.57 3.70
Noninterest income to assets 2.01 1.27 0.98 1.23 2.26 1.91 2.04 2.20 3.19 1.47 1.46
Noninterest expense to assets 2.90 3.87 3.22 3.11 2.82 2.84 2.68 3.02 3.97 3.40 2.52
Loan and lease loss provision to assets 1.89 0.60 0.89 1.67 2.06 2.03 1.81 1.61 1.94 1.06 2.47
Net operating income to assets 0.09 0.16 0.09 -0.49 0.17 0.10 0.05 0.09 0.76 0.14 -0.16
Pretax return on assets 0.11 0.28 0.16 -0.47 0.18 -0.19 0.23 0.28 1.04 -0.13 -0.33
Return on assets 0.04 0.17 0.10 -0.46 0.10 -0.24 0.12 0.16 0.66 -0.23 -0.15
Return on equity 0.38 1.34 1.04 -4.31 0.99 -1.98 1.21 1.87 6.59 -2.30 -1.51
Net charge-offs to loans and leases 2.24 0.75 0.93 1.78 2.56 2.55 1.97 2.00 2.34 1.13 3.01
Loan and lease loss provision to net charge-offs 147.73 127.22 137.28 136.47 149.87 147.60 155.52 155.00 124.21 143.99 143.97
Efficiency ratio 55.35 80.06 74.34 66.96 51.64 53.51 54.25 57.84 54.55 66.24 52.58
% of unprofitable institutions 26.94 25.75 26.34 34.88 41.38 26.81 49.57 22.02 17.97 15.36 51.72
% of institutions with earnings gains 35.06 40.53 33.12 23.54 25.86 38.86 23.63 39.17 36.00 39.40 26.46
Condition Ratios (%)
Earning assets to total assets 86.15 91.33 91.65 90.45 84.72 85.08 84.48 86.52 87.60 90.46 87.16
Loss Allowance to:
Loans and leases 2.77 1.48 1.56 2.00 3.14 2.99 2.52 2.89 2.61 1.80 3.23
Noncurrent loans and leases 63.54 62.78 48.65 47.47 68.00 94.96 55.10 57.89 64.16 59.57 63.45
Noncurrent assets plus other real estate owned to assets 2.77 2.03 2.94 3.43 2.67 1.81 3.08 2.87 3.13 2.43 3.14
Equity capital ratio 10.56 12.46 9.95 10.62 10.60 12.53 10.97 8.55 10.80 9.96 10.64
Core capital (leverage) ratio 8.25 12.02 9.47 9.14 7.90 9.37 7.44 7.11 9.15 8.82 9.21
Tier 1 risk-based capital ratio 11.05 17.81 12.92 12.12 10.55 12.46 9.68 9.70 10.35 11.65 13.94
Total risk-based capital ratio 13.76 18.88 14.10 13.46 13.68 14.57 12.95 12.92 13.04 13.39 15.99
Net loans and leases to deposits 82.19 75.30 84.83 89.82 80.62 85.70 82.37 75.84 88.53 85.29 82.53
Net loans to total assets 55.74 62.13 68.58 66.97 52.31 52.78 59.05 49.99 65.23 64.40 54.42
Domestic deposits to total assets 56.80 82.52 80.76 74.04 50.72 54.43 64.25 51.96 66.40 74.74 44.51
Structural Changes
New Charters 25 22 0 1 2 1 10 5 0 5 4
Institutions absorbed by mergers 89 34 46 7 2 18 12 19 20