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

Home > Industry Analysis > Research & Analysis > QBP Home
Printer Friendly Version
Institution Type:  
Geographical Area:  
Report Date:  



State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
Alabama
March 31, 2013
All Insured Institutions
Alabama
March 31, 2012
All Insured Institutions
Alabama
March 31, 2011
      (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 reporting137 46 91 141 46 95 144 48 96
Total employees (full-time equivalent)42,219 990 41,229 43,268 977 42,291 44,005 1,036 42,969
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)555 5 550 449 5 444 180 2 177
Total assets226,243 3,251 222,992 227,443 3,199 224,244 227,571 3,307 224,263
Earning assets196,688 2,914 193,774 195,224 2,841 192,384 191,786 2,946 188,840
Total loans & leases143,677 1,627 142,049 142,459 1,651 140,808 145,769 1,759 144,010
Other real estate owned604 35 569 932 38 895 1,420 38 1,382
Total deposits179,612 2,764 176,849 180,144 2,731 177,413 176,964 2,816 174,148
Equity capital32,106 396 31,710 31,149 372 30,777 30,765 374 30,391
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets3.88 4.28 3.87 4.16 4.72 4.15 4.51 4.88 4.51
Cost of funding earning assets0.42 0.60 0.41 0.54 0.83 0.54 0.79 1.11 0.79
Net interest margin3.46 3.68 3.46 3.61 3.90 3.61 3.72 3.77 3.72
Noninterest income to avg. earning assets1.45 0.83 1.46 1.51 0.77 1.52 1.45 0.66 1.46
Noninterest expense to avg. earning assets3.31 3.51 3.30 3.47 3.58 3.47 3.49 3.63 3.49
Net charge-offs to loans & leases0.68 0.69 0.68 1.23 0.59 1.23 1.78 0.24 1.80
Credit-loss provision to net charge-offs25.10 48.55 24.82 40.98 110.26 40.58 106.68 267.50 106.42
Net operating income to average assets0.94 0.61 0.94 0.79 0.55 0.79 0.13 0.28 0.13
Retained earnings to average equity2.94 2.88 2.94 5.61 3.95 5.63 2.17 1.69 2.17
Pre tax return on assets1.35 0.76 1.36 1.12 0.70 1.13 0.39 0.39 0.39
Return on assets0.98 0.64 0.98 0.80 0.61 0.80 0.32 0.30 0.32
Return on equity6.93 5.26 6.95 5.81 5.32 5.82 2.34 2.66 2.34
Percent of unprofitable institutions11.68 17.39 8.79 14.18 10.87 15.79 18.75 18.75 18.75
Percent of institutions with earning gains46.72 43.48 48.35 68.09 67.39 68.42 53.47 50.00 55.21
CONDITION RATIOS (%)                 
Net loans and leases to assets62.22 49.21 62.41 60.91 50.71 61.05 61.94 52.25 62.08
Loss allowance to:                 
    Loans and leases2.02 1.69 2.03 2.76 1.73 2.77 3.30 1.76 3.32
    Noncurrent loans a80.91 60.24 81.18 76.50 56.85 76.70 67.45 48.20 67.63
Noncurrent loans & leases to                 
    total loans & leas2.50 2.81 2.50 3.60 3.04 3.61 4.89 3.65 4.91
Nonperforming assets to assets1.90 2.49 1.89 2.72 2.75 2.72 3.81 3.08 3.82
Core deposits to total liabilities82.58 74.39 82.70 80.91 73.27 81.02 77.31 71.91 77.39
Equity capital to total assets14.19 12.17 14.22 13.70 11.61 13.72 13.52 11.32 13.55
Core capital (leverage) ratio10.38 11.67 10.36 9.94 11.14 9.93 9.00 11.09 8.97
Total capital to risk-weighted assets15.62 20.86 15.57 15.74 19.88 15.69 14.94 19.42 14.88
Gross 1-4 family mortgages to gross assets20.57 15.42 20.64 20.44 16.23 20.50 21.02 16.78 21.08
Gross real estate assets to gross assets52.16 48.50 52.22 55.31 52.36 55.35 58.55 51.65 58.66
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
Questions, Suggestions & Requests