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State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
Washington
September 30, 2010
All Insured Institutions
Washington
September 30, 2009
All Insured Institutions
Washington
September 30, 2008
      (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 reporting82 17 65 95 19 76 97 23 74
Total employees (full-time equivalent)13,527 252 13,275 14,970 236 14,734 16,139 376 15,763
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)-269 -11 -258 -1,351 -15 -1,336 -79 -5 -74
Total assets68,024 915 67,108 77,688 882 76,806 78,479 1,223 77,256
Earning assets61,798 825 60,973 71,565 820 70,746 72,505 1,145 71,360
Total loans & leases45,836 621 45,214 57,522 645 56,877 63,357 984 62,374
Other real estate owned1,250 26 1,224 943 5 938 273 5 268
Total deposits53,069 799 52,270 59,610 748 58,862 57,362 1,003 56,359
Equity capital7,349 81 7,268 7,349 99 7,250 8,277 179 8,097
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets5.11 5.30 5.10 5.46 5.62 5.46 6.70 6.73 6.70
Cost of funding earning assets1.57 1.44 1.58 2.21 1.88 2.22 2.96 2.60 2.97
Net interest margin3.53 3.86 3.53 3.24 3.74 3.24 3.74 4.13 3.73
Noninterest income to avg. earning assets0.80 0.08 0.81 0.67 0.26 0.67 0.70 0.36 0.71
Noninterest expense to avg. earning assets3.12 4.43 3.10 3.35 4.47 3.33 3.10 4.50 3.08
Net charge-offs to loans & leases2.57 1.43 2.59 3.16 1.38 3.18 0.76 0.31 0.77
Credit-loss provision to net charge-offs88.44 116.03 88.23 123.65 143.87 123.56 198.66 237.46 198.42
Net operating income to average assets-0.58 -1.60 -0.57 -2.28 -2.35 -2.28 -0.08 -0.54 -0.07
Retained earnings to average equity-5.55 -18.21 -5.39 -24.29 -21.01 -24.33 -4.48 -5.28 -4.46
Pre tax return on assets-0.43 -1.50 -0.41 -2.50 -1.89 -2.51 -0.06 -0.62 -0.05
Return on assets-0.53 -1.51 -0.51 -2.31 -2.34 -2.31 -0.14 -0.56 -0.13
Return on equity-5.25 -16.40 -5.11 -23.18 -19.39 -23.24 -1.24 -3.54 -1.19
Percent of unprofitable institutions45.12 47.06 44.62 61.05 63.16 60.53 31.96 56.52 24.32
Percent of institutions with earning gains70.73 76.47 69.23 16.84 5.26 19.74 27.84 34.78 25.68
CONDITION RATIOS (%)                 
Net loans and leases to assets65.72 65.85 65.71 72.18 71.60 72.19 79.53 79.22 79.53
Loss allowance to:                 
    Loans and leases2.47 3.01 2.46 2.51 2.11 2.52 1.49 1.54 1.49
    Noncurrent loans a42.10 64.18 41.86 29.53 56.18 29.39 46.49 121.31 46.02
Noncurrent loans & leases to                 
    total loans & leas5.87 4.69 5.89 8.52 3.75 8.57 3.21 1.27 3.24
Nonperforming assets to assets5.80 6.01 5.80 7.54 3.28 7.59 2.94 1.42 2.97
Core deposits to total liabilities68.46 72.19 68.41 65.09 72.57 65.01 62.55 71.09 62.42
Equity capital to total assets10.80 8.85 10.83 9.46 11.23 9.44 10.55 14.66 10.48
Core capital (leverage) ratio9.90 8.68 9.92 8.71 11.08 8.68 9.40 14.70 9.32
Total capital to risk-weighted assets16.20 13.73 16.24 12.93 16.80 12.88 12.61 18.01 12.52
Gross 1-4 family mortgages to gross assets22.94 15.30 23.05 22.04 15.85 22.11 21.66 12.64 21.80
Gross real estate assets to gross assets68.78 56.30 68.95 71.89 55.16 72.08 75.03 56.56 75.33
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
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