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FDIC Banking Review

Table 4.
Selected Descriptive Statistics for Data in Logits: Mean Standard Deviation, and Minimum and Maximum Values of Financial Ratios for Each State
Variable All Recover Merge Remain a Problem Fail
Number of Banks 3,747 1,326 228 2,077 116
Capital
Tangible Equity Capital
Mean 6.42 6.68 6.57 6.39 3.90
Standard Deviation 3.12 2.54 3.42 3.37 2.76
Minimum -4.77 -0.10 -4.77 -1.26 -1.37
Maximum 63.10 38.34 34.52 63.10 15.79
Capital Injections:
From BHC
Mean 0.20 0.19 0.41 0.20 0.14
Standard Deviation 0.87 0.82 1.41 0.84 0.65
Minimum -1.07 -1.07 0.00 -0.93 -0.02
Maximum 12.87 9.98 12.87 8.97 4.74
Outside
Mean 0.36 0.36 0.29 0.29 0.42
Standard Deviation 1.38 1.46 1.52 1.25 2.24
Minimum -2.03 -1.89 -0.07 -2.03 -0.62
Maximum 25.16 15.98 15.98 25.16 18.38
Asset Quality
Past-Due Loans (30 - 89 days)
Mean 2.24 1.88 2.12 2.43 3.08
Standard Deviation 1.58 1.38 1.84 1.60 1.95
Minimum 0.00 0.00 0.00 0.00 0.25
Maximum 18.66 12.41 18.66 13.96 9.59
Past-Due Loans (90+ days)
Mean 0.79 0.59 0.65 0.92 1.17
Standard Deviation 1.39 0.81 0.81 1.66 1.82
Minimum 0.00 0.00 0.00 0.00 0.00
Maximum 44.66 10.25 6.22 44.66 14.42
Nonaccrual Loans and Leases
Mean 2.51 2.17 2.56 2.64 3.82
Standard Deviation 2.13 1.83 2.62 2.19 2.36
Minimum 0.00 0.00 0.00 0.00 0.05
Maximum 24.71 15.60 24.71 17.67 11.18
Other Real Estate Owned
Mean 2.36 2.00 1.88 2.60 3.19
Standard Deviation 2.55 2.13 1.97 2.79 2.63
Minimum -10.05 0.00 0.00 -10.05 -0.24
Maximum 20.20 18.61 10.99 20.20 12.48
Allowance for Loan Loss
Mean 1.74 1.69 1.97 1.72 2.11
Standard Deviation 1.13 1.08 2.01 1.03 0.95
Minimum 0.11 0.11 0.36 0.14 0.28
Maximum 26.45 19.82 26.45 14.13 5.63
Management
Efficiency Ratio
Mean 92.91 88.32 94.15 94.43 115.77
Standard Deviation 25.00 22.85 25.34 25.09 29.99
Minimum -30.64 -30.64 35.09 29.38 26.72
Maximum 198.71 193.89 195.03 198.71 194.40
Earnings
Total Interest Income
Mean 9.30 8.80 8.99 9.59 10.58
Standard Deviation 3.14 2.60 4.63 3.14 4.11
Minimum -0.01 -0.01 5.24 0.97 4.47
Maximum 64.32 33.69 64.32 32.78 26.25
Total Noninterest income
Mean 1.45 1.41 1.44 1.45 1.98
Standard Deviation 2.31 2.18 1.84 2.38 3.20
Minimum -0.09 -0.09 0.00 -0.05 0.18
Maximum 46.35 37.82 16.34 46.35 30.51
Total Interest Expense
Mean 4.98 4.47 4.51 5.27 6.51
Standard Deviation 2.18 1.76 2.25 2.28 2.95
Minimum -0.68 -0.68 1.25 0.25 0.95
Maximum 17.01 14.74 15.42 17.01 16.57
Loan-Loss Provision
Mean 1.72 1.35 2.23 1.81 3.21
Standard Deviation 2.43 1.72 6.07 2.02 2.69
Minimum -13.56 -2.17 -1.54 -13.56 -0.42
Maximum 87.33 23.14 87.33 24.55 13.82
Loan Charge-offs
Mean 1.71 1.46 1.78 1.80 2.86
Standard Deviation 1.89 1.41 3.52 1.86 2.06
Minimum -6.32 -0.49 -6.32 0.00 0.25
Maximum 47.20 19.12 47.20 24.12 11.50
Expenses on Premises
Mean 0.75 0.68 0.75 0.77 0.96
Standard Deviation 0.46 0.40 0.44 0.47 0.67
Minimum -0.48 -0.48 0.00 -0.04 0.15
Maximum 4.46 3.38 2.79 4.35 4.46
Salaries
Mean 2.14 2.06 2.08 2.18 2.56
Standard Deviation 1.18 0.95 0.99 1.23 2.32
Minimum 0.00 0.06 0.00 0.04 0.43
Maximum 22.99 16.14 9.17 22.36 22.99
Other noninterest expense
Mean 2.39 2.23 2.54 2.43 3.29
Standard Deviation 1.68 1.55 2.43 1.61 2.12
Minimum -3.03 -3.03 0.45 -0.41 0.71
Maximum 32.70 22.46 32.70 25.38 14.86
Liquidity
Volatile Liabilities
Mean 14.28 13.26 13.62 14.96 15.04
Standard Deviation 9.85 9.51 11.08 9.90 9.26
Minimum 0.00 0.00 0.00 0.00 0.00
Maximum 90.19 86.08 90.19 89.43 51.54
Loans + Securities > Five years
Mean 67.74 66.13 68.11 68.71 68.04
Standard Deviation 11.51 11.39 12.15 11.43 11.21
Minimum 19.40 24.31 19.40 22.14 37.34
Maximum 102.02 102.02 96.38 101.05 90.33



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