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Quarterly Banking Profile
TABLE III-A. First Quarter 2009, All FDIC-Insured Institutions
First 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 8,246 3,050 4,505 576 115 1,005 1,172 1,692 1,923 1,690 764
Commercial banks 7,037 2,716 3,796 438 87 530 1,033 1,393 1,819 1,566 696
Savings institutions 1,209 334 709 138 28 475 139 299 104 124 68
Total assets (in billions) $13,541.6 $167.1 $1,359.9 $1,513.4 $10,501.3 $2,517.9 $3,521.7 $3,176.8 $1,064.5 $910.2 $2,350.5
Commercial banks 12,006.9 149.4 1,111.3 1,162.1 9,584.0 1,806.0 3,369.3 3,026.5 1,015.8 664.1 2,125.2
Savings institutions 1,534.8 17.7 248.6 351.3 917.3 711.9 152.4 150.3 48.7 246.1 225.3
Total deposits (in billions) 8,954.4 137.5 1,092.9 1,113.8 6,610.2 1,544.0 2,464.7 2,071.2 753.0 624.5 1,497.1
Commercial banks 7,983.4 123.9 904.8 856.5 6,098.2 1,055.7 2,353.0 1,962.6 717.4 506.7 1,387.9
Savings institutions 971.0 13.6 188.1 257.4 511.9 488.2 111.7 108.5 35.6 117.7 109.2
Net income (in millions) 7,560 125 1,116 -657 6,976 371 1,524 1,076 1,521 826 2,242
Commercial banks 7,663 94 1,060 -448 6,956 904 2,244 1,159 1,461 200 1,696
Savings institutions -102 31 55 -208 20 -532 -720 -83 60 626 546
Performance Ratios (annualized, %)
Yield on earning assets 4.87 5.71 5.65 5.34 4.67 5.33 4.32 4.39 5.61 5.33 5.31
Cost of funding earning assets 1.47 1.94 2.11 1.98 1.30 1.66 1.42 1.31 1.22 1.76 1.57
Net interest margin 3.39 3.77 3.54 3.36 3.37 3.67 2.90 3.09 4.40 3.57 3.74
Noninterest income to assets 2.00 1.21 0.94 1.12 2.27 1.95 1.88 2.13 3.08 1.36 1.81
Noninterest expense to assets 2.84 3.83 3.11 2.88 2.79 2.75 2.63 3.06 3.82 3.17 2.40
Loan and lease loss provision to assets 1.78 0.45 0.69 1.45 1.98 2.13 1.51 1.52 2.18 1.32 2.15
Net operating income to assets 0.17 0.28 0.30 -0.22 0.20 0.10 0.05 0.08 0.62 0.01 0.38
Pretax return on assets 0.35 0.39 0.43 -0.13 0.41 0.10 0.34 0.26 0.84 0.66 0.44
Return on assets 0.22 0.30 0.33 -0.18 0.26 0.06 0.17 0.13 0.57 0.37 0.38
Return on equity 2.26 2.36 3.31 -1.65 2.73 0.50 1.73 1.62 5.92 3.68 3.94
Net charge-offs to loans and leases 1.94 0.54 0.71 1.41 2.27 2.21 1.79 1.62 2.14 0.90 2.66
Loan and lease loss provision to net charge-offs 160.94 132.01 138.76 149.73 163.48 180.24 144.38 180.59 153.02 222.37 141.37
Efficiency ratio 53.79 80.33 72.90 65.73 50.06 51.65 56.22 56.01 53.99 62.14 47.05
% of unprofitable institutions 21.65 23.28 19.13 29.34 38.26 22.39 38.82 17.26 13.73 13.08 42.93
% of institutions with earnings gains 39.64 43.93 39.07 23.96 26.96 45.07 28.67 44.80 40.61 43.37 27.23
Condition Ratios (%)
Earning assets to total assets 85.67 91.26 91.77 90.53 84.09 84.72 84.38 86.05 87.67 89.56 85.68
Loss Allowance to:
Loans and leases 2.50 1.43 1.46 1.85 2.82 2.82 2.16 2.59 2.65 1.88 2.80
Noncurrent loans and leases 66.49 63.96 52.52 50.47 70.87 105.08 56.15 62.28 73.78 54.87 62.77
Noncurrent assets plus other real estate owned to assets 2.39 1.86 2.52 2.98 2.30 1.52 2.53 2.45 2.72 2.60 2.81
Equity capital ratio 10.15 12.67 9.99 10.60 10.06 12.14 10.19 8.38 9.90 9.99 10.50
Core capital (leverage) ratio 8.04 12.32 9.57 9.15 7.61 9.31 6.95 7.02 8.45 8.85 9.19
Tier 1 risk-based capital ratio 10.74 18.14 12.95 11.94 10.17 12.51 9.05 9.43 9.65 11.58 13.80
Total risk-based capital ratio 13.46 19.21 14.11 13.31 13.32 14.52 12.27 12.64 12.39 13.32 16.19
Net loans and leases to deposits 84.21 75.05 85.55 91.45 82.96 84.77 82.42 77.91 91.29 93.70 87.77
Net loans to total assets 55.68 61.79 68.75 67.30 52.22 51.98 57.68 50.80 64.58 64.28 55.91
Domestic deposits to total assets 55.67 82.33 80.27 72.89 49.58 53.96 62.45 51.99 65.50 67.82 43.14
Structural Changes
New Charters 13 12 0 0 1 1 4 3 0 2 3
Institutions absorbed by mergers 50 22 24 3 1 9 5 13 11 10 2
Failed Institutions 21 1 18 2 0 1 6 3 2 1 8
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2008		 8,494 3,347 4,481 549 117 1,036 1,223 1,752 1,968 1,730 785
2006 8,790 3,826 4,334 511 119 1,106 1,225 1,863 2,055 1,783 758
2004 9,116 4,300 4,238 465 113 1,162 1,231 1,996 2,122 1,853 752
Total assets (in billions)
2008		 $13,369.4 $178.0 $1,334.3 $1,438.1 $10,419.1 $2,478.9 $3,423.5 $2,963.1 $1,000.0 $748.7 $2,755.2
2006 11,209.8 199.0 1,259.4 1,395.6 8,355.8 2,866.2 2,759.4 2,604.0 819.6 620.6 1,539.9
2004 9,377.2 221.9 1,169.4 1,282.1 6,703.9 3,186.8 1,995.6 1,700.3 738.8 571.0 1,184.9
Return on assets (%)
2008		 0.58 0.73 0.79 0.76 0.53 1.04 0.32 0.75 1.39 0.94 -0.05
2006 1.34 0.95 1.11 1.30 1.39 1.30 1.33 1.10 1.59 1.31 1.71
2004 1.38 1.00 1.17 1.48 1.41 1.32 1.32 1.38 1.52 1.35 1.57
Net charge-offs to loans & leases (%)
2008		 0.99 0.20 0.30 0.70 1.16 1.15 0.76 0.84 1.13 0.45 1.38
2006 0.32 0.12 0.12 0.18 0.39 0.47 0.16 0.23 0.35 0.16 0.52
2004 0.64 0.19 0.22 0.44 0.78 0.96 0.36 0.43 0.90 0.34 0.66
Noncurrent assets plus OREO to assets (%)
2008		 1.14 1.09 1.33 1.44 1.08 0.81 1.08 1.09 1.52 1.22 1.42
2006 0.48 0.69 0.52 0.44 0.48 0.39 0.31 0.53 0.84 0.68 0.60
2004 0.67 0.84 0.66 0.59 0.68 0.69 0.46 0.79 0.88 0.75 0.59
Equity capital ratio (%)
2008		 10.18 13.78 10.52 11.13 9.94 12.10 10.20 9.06 9.73 9.88 9.88
2006 10.38 12.29 10.28 10.78 10.28 11.15 9.77 9.02 10.48 10.19 12.36
2004 9.45 11.73 10.18 10.71 9.00 9.13 8.58 8.74 10.44 9.64 12.07
* See Table IV-A (page 9) for explanations.

Last Updated 5/18/2009 Questions, Suggestions & Requests

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