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FDIC Banking Review
Table 8.
Means Ratio: 1990 and 1995–99 Panel
Percentage of Assets |
| Variable |
Mean 1990 |
Mean 1995-99 |
| Capital |
| Tangible Equity Capital |
5.3409 |
7.297 |
| Capital Injections: |
| From BHC |
0.1399 |
0.2176 |
| Outside |
0.1888 |
0.6267 |
| Asset Quality |
| Past-Due Loans (30–89 days) |
2.2262 |
2.5514 |
| Past-Due Loans (90+ days) |
0.7964 |
1.1164 |
| Nonaccruing Loans |
2.6136 |
2.5111 |
| Other Real Estate Owned |
2.6808 |
1.472 |
| Loan Charge-offs |
1.6613 |
1.7754 |
| Allowance for Loan Loss |
1.7465 |
1.9878 |
| Management |
| Efficiency Ratio |
93.5429 |
93.5453 |
| Earnings |
| Interest Income |
9.6398 |
8.2684 |
| Noninterest Income |
1.2205 |
2.1216 |
| Interest Expense |
5.8164 |
3.4738 |
| Loss Provision |
1.6035 |
1.7133 |
| Salaries |
1.9194 |
2.715 |
| Expenses on Premises |
0.6952 |
0.8492 |
| Other Noninterest Expense |
2.0764 |
2.8551 |
| Liquidity |
| Volatile Liabilities |
14.4676 |
14.2472 |
| Loans and Sec. > 5 years |
65.1021 |
68.6646 |
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