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FDIC Quarterly Banking Profile

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	Report Group 1	Report Group 2	Report Group 3
Institution Type:
Geographical Area:
Report Date:

State Banking Performance Summary

FDIC-Insured Institutions

	Commercial Banks Florida December 31, 2008			Commercial Banks Florida December 31, 2007			Commercial Banks Florida December 31, 2006
(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	270	66	204	281	80	201	269	71	198
Total employees (full-time equivalent)	23,403	1,319	22,084	24,743	1,783	22,960	24,930	1,650	23,280
AGGREGATE CONDITION AND INCOME DATA
Net income (year-to-date)	-1,197	-76	-1,121	555	-20	575	1,262	10	1,252
Total assets	116,369	4,339	112,029	112,921	4,752	108,169	113,036	4,394	108,642
Earning assets	106,549	3,860	102,690	104,019	4,313	99,705	104,445	4,049	100,396
Total loans & leases	84,449	2,896	81,553	82,462	3,109	79,354	81,493	2,710	78,783
Other real estate owned	583	23	560	191	3	188	30	0	29
Total deposits	89,158	3,293	85,865	83,083	3,500	79,583	85,930	3,308	82,622
Equity capital	11,862	825	11,037	12,451	982	11,469	12,054	887	11,167
PERFORMANCE RATIOS (YTD, %)
Yield on earning assets	5.78	5.80	5.78	6.98	6.54	7.00	6.98	6.24	7.01
Cost of funding earning assets	2.51	2.30	2.52	3.29	2.67	3.31	2.87	2.17	2.89
Net interest margin	3.27	3.50	3.26	3.69	3.87	3.69	4.11	4.07	4.11
Noninterest income to avg. earning assets	0.75	0.44	0.76	0.91	1.08	0.90	0.96	1.19	0.95
Noninterest expense to avg. earning assets	3.53	5.17	3.47	3.14	5.12	3.05	3.03	4.59	2.97
Net charge-offs to loans & leases	1.43	0.85	1.45	0.43	0.16	0.44	0.08	0.04	0.08
Credit-loss provision to net charge-offs	147.73	201.35	146.66	196.78	437.60	193.71	341.54	1,244.62	328.11
Net operating income to average assets	-0.98	-1.84	-0.95	0.52	-0.46	0.57	1.19	0.25	1.22
Retained earnings to average equity	-11.79	-9.60	-11.96	1.00	-3.35	1.39	7.44	-0.14	8.06
Pre tax return on assets	-1.20	-2.22	-1.16	0.73	-0.57	0.78	1.70	0.36	1.75
Return on assets	-1.07	-1.83	-1.04	0.51	-0.46	0.55	1.18	0.25	1.22
Return on equity	-10.03	-9.08	-10.10	4.66	-2.06	5.26	11.30	1.21	12.13
Percent of unprofitable institutions	61.48	77.27	56.37	29.54	56.25	18.91	18.22	42.25	9.60
Percent of institutions with earning gains	13.70	16.67	12.75	27.05	20.00	29.85	63.57	45.07	70.20
CONDITION RATIOS (%)
Net loans and leases to assets	71.13	65.60	71.34	71.98	64.62	72.31	71.27	60.99	71.69
Loss allowance to:
Loans and leases	1.99	1.71	2.00	1.43	1.21	1.44	1.14	1.12	1.14
Noncurrent loans and leases	40.88	50.76	40.64	74.04	116.72	73.15	227.30	420.94	223.83
Noncurrent loans & leases to
total loans & leases	4.87	3.37	4.92	1.93	1.04	1.96	0.50	0.27	0.51
Nonperforming assets to assets	4.04	2.77	4.09	1.58	0.75	1.62	0.39	0.17	0.40
Core deposits to total liabilities	64.29	69.69	64.11	61.71	70.35	61.37	63.55	70.83	63.29
Equity capital to total assets	10.19	19.01	9.85	11.03	20.66	10.60	10.66	20.19	10.28
Core capital (leverage) ratio	8.99	18.91	8.61	9.76	20.89	9.28	9.81	20.74	9.37
Total capital to risk-weighted assets	12.95	26.69	12.45	13.52	28.70	12.91	13.52	30.46	12.92
Gross 1-4 family mortgages to gross assets	19.41	16.35	19.53	18.42	16.80	18.49	17.49	16.68	17.53


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

Last Updated 11/24/2009

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