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FDIC Banking Review

Table 5
Comparison of Median Ratios between Young and Established Institutions
(December 2004)
Loan Typea Florida Georgia New Jersey
Young Established Young Established Young Established
Agriculture 0 0 0 0 0 0
C&I 9.66 7.37 10.86*** 7.19 8.77*** 1.05
Other Consumer 1.39 1.48 2.16** 3.41 0.39 0.47
Credit Card 0 0 0 0 0 0
Depository 0.00**b 0 0 0 0 0
Municipality 0.00** 0 0.00* 0 0.00* 0
Agriculture–Real Estate 0 0 0.02 0.22 0 0
Construction 10.43* 6.46 20.97 17.31 5.18*** 0.77
Multifamily 1.42 1.53 0.41* 0.35 1.23** 0.58
Non-residential Real Estate 24.11 24.35 22.97 19.28 25.70*** 8.19
1–4 Family 15.32 14.02 13.08 15.58 15.99*** 37.5
Leases 0 0 0 0 0 0
Assets ($000s) 143,405 175,778 141,793 128,030 132,710 182,949
Asset Growth 56.77*** 23.25 46.01*** 15.24 45.65*** 12.31
Loans to assets 75.68 73.1 79.11** 73.45 68.03*** 56.51
Noncore Funds 22.41** 18.86 26.90*** 21 16.71 17
REST Score 4.76*** 3.95 5.00** 4.98 3.95*** 1.92
No. of Observations 90 79 67 40 34 35

a Loan and liability ratios are expressed as a percentage of assets. The asset growth is one-year change (in percent) in assets.

b Based on Kendall’s rank correlation test.

*** Indicates statistical significance at the 1% level.

** Indicates statistical significance at the 5% level.

* Indicates statistical significance at the 10% level.



Last Updated 07/29/2005 Questions, Suggestions & Requests