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FDIC Banking Review
Table 4
Mean Values of Size, Balance-Sheet Ratios, Asset Quality Ratios, and Growth Measuresa
(as of December 31, 2003) |
| |
(1)
Credit Card Banks |
(2)
Internet Banks |
(3)
Subprime Lenders |
(4)
All Banks and Thrifts |
| Assets (in $1,000s) |
9,677,284 |
3,490,314 |
4,008,279 |
988,648 |
| Balance Sheet Ratios |
| Equity |
20.6 |
9.3 |
11.8 |
11.5 |
| Noncore funding |
54.6 |
44.5 |
27.7 |
19.5 |
| Liquid assets |
17.1 |
27.8 |
26.1 |
34.3 |
| Loans & long-term securities |
74.3 |
71.9 |
74.6 |
69.7 |
| Asset Quality Ratios |
| Non-performing & non-accruals |
4.9 |
1.1 |
4.0 |
1.4 |
| Gross charge-offsb |
6.3 |
0.3 |
2.7 |
0.3 |
| Provision for loan lossesb |
4.6 |
0.2 |
1.8 |
0.3 |
| Growth Measures (in percent) |
| Asset growth |
47.7 |
20.3 |
13.6 |
9.8 |
| Equity growth |
18.9 |
2.5 |
10.5 |
0.5 |
| Loan growth |
42.3 |
30.5 |
16.0 |
15.4 |
| No. of observations |
36 |
15 |
116 |
9181 |
aThe variable Assets is expressed in $1000s. The growth measures are one-year change (in percent) in assets, equity, and loans. The remaining variables are expressed as a percentage of assets. bGross charge-offs and provision for loan losses are merger-adjusted four-quarter totals. |
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