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FDIC Banking Review
Figure 4
A. Subprime Lenders-Average Net Interest Income |
| Date |
Interest Income |
Interest Expense |
Net Interest Income |
| 9/99 |
9.241016734 |
3.815130342 |
5.425886392 |
| 12/99 |
9.519044932 |
3.768525399 |
5.750519533 |
| 3/00 |
9.883359568 |
3.7593182 |
6.124041368 |
| 6/00 |
10.2773656 |
3.9568293 |
6.3205363 |
| 9/00 |
9.7955318 |
4.0653213 |
5.7302105 |
| 12/00 |
9.6062034 |
4.258906537 |
5.347296864 |
| 3/01 |
9.798803764 |
4.335736688 |
5.463067076 |
| 6/01 |
10.01477733 |
4.371925046 |
5.642852285 |
| 9/01 |
10.20459817 |
4.301982941 |
5.902615229 |
| 12/01 |
9.791500136 |
4.044113619 |
5.747386517 |
| 3/02 |
9.622385954 |
3.721639129 |
5.900746825 |
| 6/02 |
9.272153535 |
3.413636412 |
5.858517123 |
| 9/02 |
8.842609076 |
3.102204472 |
5.740404604 |
| 12/02 |
8.645473775 |
2.833339606 |
5.812134169 |
| 3/03 |
8.577080373 |
2.696371837 |
5.880708535 |
| 6/03 |
8.076329061 |
2.5261157 |
5.550213361 |
| 9/03 |
8.3013955 |
2.4869583 |
5.8144372 |
| 12/03 |
8.0328255 |
2.2822038 |
5.7506217 |
| Note: Based on 147 observations during June 2000 instead of 148 observations. One institution was taken out for this calculation due to its extreme values. |
Figure 4
B. All Banks-Average Net Interest Income |
| Date |
Interest Income |
Interest Expense |
Net Interest Income |
| 9/99 |
7.221728167 |
3.187508384 |
4.034219783 |
| 12/99 |
7.197106232 |
3.18005902 |
4.017047212 |
| 3/00 |
7.153325449 |
3.174148137 |
3.979177312 |
| 6/00 |
7.22572291 |
3.229587774 |
3.996135135 |
| 9/00 |
7.441103773 |
3.394804771 |
4.046299002 |
| 12/00 |
7.481332477 |
3.476745397 |
4.00458708 |
| 3/01 |
7.406087455 |
3.521858561 |
3.884228894 |
| 6/01 |
7.38200183 |
3.542286422 |
3.839715407 |
| 9/01 |
7.18474609 |
3.410650807 |
3.774095282 |
| 12/01 |
6.860330056 |
3.143176547 |
3.717153508 |
| 3/02 |
6.591020317 |
2.843642412 |
3.747377905 |
| 6/02 |
6.321044444 |
2.538052446 |
3.782991998 |
| 9/02 |
6.059584732 |
2.266345204 |
3.793239527 |
| 12/02 |
5.85440353 |
2.064363487 |
3.790040044 |
| 3/03 |
5.698 |
1.941 |
3.72 |
| 6/03 |
5.52105908 |
1.798287492 |
3.722771588 |
| 9/03 |
5.3536268 |
1.7241856 |
3.6294412 |
| 12/03 |
5.2652718 |
1.6125805 |
3.6526913 |
| Note: Based on 147 observations during June 2000 instead of 148 observations. One institution was taken out for this calculation due to its extreme values. |
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