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FDIC Banking Review

Table 1
Summary Statistics for Sample of Downgraded Institutions
  A. At Time of Downgrade to 3 B. At Time of Downgrade to 4 or 5
No. Minimum Median Maximum No. Minimum Median Maximum
Total Assets ($000s) 83 36,647 440,381 9,375,411 107 20,316 381,583 15,469,836
Book Equity/Asset Ratio (%) 83 4.82 7.37 96.98 107 0.00 6.02 16.50
Return on Assets (%) 83 7.71 0.40 2.27 107 16.75 1.03 1.20
CRSP Market Data
Market Price ($ per share) 83 0.74 7.96 36.25 107 0.53 5.23 16.87
Market Capitalization ($000s) 83 2,523 21,434 656,355 107 444 14,700 453,148
Book/Market Equity Ratio 83 0.09 1.45 10.60 107 0.02 1.58 9.04
Total Sample 83       107      
Number with Assets < $1 Billion 64       79      
Number with Assets $1-5 Billion 16       19      
Number with Assets > $5 Billion 3       9      
Number of Banks 77       99      
Number of Thrifts 6       8      
Note: The data are from quarterly financial data reported to regulators or are derived from CRSP during the quarter in which the CAMEL rating of the institution was downgraded. Market capitalization equals equity price times number of shares at the end of the quarter of the downgrade.

Last Updated 9/11/2003 Questions, Suggestions & Requests