QBP State Tables

FDIC Quarterly Banking Profile

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	Report Group 1	Report Group 2	Report Group 3
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State Banking Performance Summary

FDIC-Insured Institutions

	All Insured Institutions National March 31, 2008			All Insured Institutions National December 31, 2007			All Insured Institutions National September 30, 2007
(dollar figures in millions)	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million
Number of institutions reporting	8,494	3,347	5,147	8,534	3,440	5,094	8,559	3,513	5,046
Total employees (full-time equivalent)	2,212,503	64,200	2,148,303	2,215,029	62,890	2,152,139	2,220,522	65,578	2,154,944
AGGREGATE CONDITION AND INCOME DATA
Net income (year-to-date)	19,264	319	18,945	99,945	1,292	98,652	100,560	1,146	99,414
Total assets	13,369,323	178,015	13,191,307	13,033,935	181,886	12,852,049	12,706,150	186,094	12,520,056
Earning assets	11,474,315	163,699	11,310,616	11,304,656	166,791	11,137,864	11,031,811	171,131	10,860,680
Total loans & leases	7,967,877	110,837	7,857,040	7,906,496	114,964	7,791,532	7,703,914	118,103	7,585,811
Other real estate owned	15,648	397	15,251	12,127	357	11,770	9,818	308	9,510
Total deposits	8,565,753	144,738	8,421,015	8,415,367	148,075	8,267,292	8,180,226	151,302	8,028,924
Equity capital	1,360,843	24,535	1,336,308	1,347,365	24,972	1,322,393	1,327,143	25,454	1,301,688
PERFORMANCE RATIOS (YTD, %)
Yield on earning assets	6.27	6.63	6.27	6.75	6.95	6.75	6.81	7.00	6.81
Cost of funding earning assets	2.95	2.75	2.95	3.47	2.91	3.48	3.50	2.93	3.51
Net interest margin	3.33	3.88	3.32	3.29	4.04	3.28	3.31	4.07	3.30
Noninterest income to avg. earning assets	2.13	1.71	2.13	2.17	1.33	2.18	2.35	1.46	2.37
Noninterest expense to avg. earning assets	3.19	4.33	3.18	3.42	4.11	3.41	3.33	4.16	3.32
Net charge-offs to loans & leases	0.99	0.20	1.00	0.59	0.24	0.59	0.50	0.18	0.51
Credit-loss provision to net charge-offs	189.46	193.77	189.45	157.05	148.53	157.10	133.07	164.90	132.89
Net operating income to average assets	0.57	0.67	0.57	0.83	0.73	0.83	1.11	0.84	1.11
Retained earnings to average equity	1.56	-0.89	1.60	-0.81	0.08	-0.82	0.64	1.33	0.63
Pre tax return on assets	0.86	0.97	0.85	1.19	0.95	1.19	1.63	1.08	1.64
Return on assets	0.58	0.73	0.58	0.81	0.74	0.81	1.10	0.84	1.11
Return on equity	5.69	5.23	5.70	7.75	5.27	7.80	10.50	6.12	10.59
Percent of unprofitable institutions	14.23	20.32	10.28	12.09	18.52	7.75	10.32	17.08	5.61
Percent of institutions with earning gains	48.53	47.65	49.10	48.49	49.51	47.80	49.34	49.13	49.48
CONDITION RATIOS (%)
Net loans and leases to assets	58.69	61.45	58.65	59.87	62.39	59.84	59.95	62.65	59.91
Loss allowance to:
Loans and leases	1.52	1.31	1.52	1.30	1.28	1.30	1.13	1.29	1.13
Noncurrent loans a	87.76	93.80	87.69	91.66	107.10	91.47	104.54	116.04	104.36
Noncurrent loans & leases to
total loans & leas	1.73	1.40	1.74	1.42	1.20	1.42	1.08	1.11	1.08
Nonperforming assets to assets	1.15	1.09	1.15	0.95	0.96	0.95	0.73	0.87	0.73
Core deposits to total liabilities	48.44	76.15	48.08	48.71	76.12	48.34	48.85	75.90	48.46
Equity capital to total assets	10.18	13.78	10.13	10.34	13.73	10.29	10.44	13.68	10.40
Core capital (leverage) ratio	7.89	13.48	7.81	7.97	13.52	7.89	8.14	13.51	8.06
Total capital to risk-weighted assets	12.80	20.72	12.71	12.77	20.69	12.67	12.74	20.68	12.63
Gross 1-4 family mortgages to gross assets	21.05	18.21	21.09	21.71	18.49	21.76	22.11	18.43	22.17
Gross real estate assets to gross assets	45.24	48.45	45.19	45.90	47.80	45.87	46.34	47.10	46.33


Source: Call Report and Thrift Financial Report Prepared by the FDIC-Division of Insurance and Research

Last Updated 05/01/2010

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