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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



Last Updated 1/19/2006 Questions, Suggestions & Requests