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Quarterly Banking Profile

TABLE III-A. First Three Quarters 2002, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
All Institutions Less
than $100
Million		 $100 Million
to
$1 Billion		 $1 Billion
to
$10 Billion		 Greater
than $10
Billion		 East West

First Three Quarters Preliminary
(The way it is)

 North-
east		 South-
east		 Central  Mid-
west		 South-
west		 West
Number of institutions reporting 7,933 4,285 3,249 319 80 628 1,378 1,690 2,063 1,310 864
Total assets (in billions) $6,932.5 $216.8 $855.5 $917.0 $4,943.2 $2,351.2 $1,717.8 $1,424.0 $384.8 $288.0 $766.6
Total deposits (in billions) 4,541.1 182.2 695.6 631.0 3,032.3 1,449.8 1,169.8 902.7 254.8 233.4 530.6
Net income (in millions) 68,617 1,702 7,811 10,200 48,905 19,893 17,497 14,131 4,693 2,796 9,608
% of unprofitable institutions 6.2 9.4 2.4 2.8 3.8 9.6 9.4 4.7 3.2 4.8 10.8
% of institutions with earnings gains 72.6 67.3 79.0 77.7 76.3 73.4 77.3 76.6 70.3 68.5 68.5
Performance ratios (annualized, %)
Yield on earning assets 6.27 6.79 6.80 6.43 6.12 6.13 6.20 6.05 7.29 6.45 6.69
Cost of funding earning assets 2.16 2.45 2.36 2.14 2.12 2.39 2.11 2.19 2.18 1.95 1.64
Net interest margin 4.11 4.34 4.44 4.29 4.00 3.74 4.09 3.86 5.11 4.50 5.05
Noninterest income to earning assets 2.97 1.12 1.56 2.90 3.34 3.84 2.64 2.21 3.14 1.65 3.00
Noninterest expense to earning assets 3.98 3.66 3.69 4.09 4.03 4.39 3.90 3.30 4.48 3.83 4.09
Loan and lease loss provision to assets 0.70 0.28 0.36 0.57 0.80 0.95 0.44 0.55 1.02 0.31 0.81
Net operating income to assets 1.31 1.05 1.26 1.50 1.30 1.11 1.35 1.29 1.64 1.28 1.75
Pretax return on assets 2.05 1.39 1.78 2.33 2.07 1.77 2.06 2.03 2.43 1.84 2.78
Return on assets 1.37 1.08 1.27 1.54 1.37 1.17 1.41 1.37 1.67 1.34 1.76
Return on equity 14.90 9.69 12.99 15.12 15.51 13.51 14.81 16.03 16.55 13.61 16.57
Net charge-offs to loans and leases 1.12 0.30 0.38 0.92 1.34 1.78 0.67 0.81 1.30 0.39 1.22
Loan and lease loss provision to net charge-offs 106.03 154.92 147.32 100.57 104.01 105.13 105.61 103.89 114.42 139.35 103.90
Efficiency ratio 55.04 66.89 61.11 55.91 53.52 56.74 56.42 53.00 52.76 61.81 49.96
Condition Ratios (%)
Earning assets to total assets 85.56 91.43 91.46 89.99 83.46 82.39 84.65 88.22 90.38 89.74 88.39
Loss allowance to:
Loans and leases 1.86 1.45 1.46 1.79 1.97 2.29 1.56 1.70 1.78 1.50 1.91
Noncurrent loans and leases 123.41 123.39 143.77 162.97 115.97 106.71 131.50 115.80 155.46 138.82 179.05
Noncurrent assets plus other real estate owned to assets 0.97 0.89 0.80 0.74 1.05 1.16 0.81 1.05 0.89 0.75 0.74
Equity capital ratio 9.22 11.28 9.93 10.33 8.81 8.69 9.52 8.55 10.51 10.07 10.50
Core capital (leverage) ratio 8.00 10.83 9.31 9.17 7.41 7.60 7.76 7.80 9.40 8.84 9.04
Tier 1 risk-based capital ratio 10.18 16.06 13.03 12.65 9.11 10.05 9.60 9.36 12.75 13.01 11.33
Total risk-based capital ratio 12.95 17.18 14.22 14.68 12.31 13.08 12.31 12.42 14.12 14.44 14.03
Net loans and leases to deposits 87.95 72.50 79.03 86.35 91.25 78.18 88.34 101.24 104.49 70.90 90.68
Structural Changes (YTD)
New Charters 65 64 1 0 0 7 22 3 7 6 20
Banks absorbed by mergers 210 91 96 18 5 24 46 36 41 33 30
Failed banks 8 5 2 1 0 1 3 2 0 1 1
PRIOR FIRST THREE QUARTERS
(The way it was)
Number of institutions
2001 8,149 4,598 3,150 321 80 650 1,411 1,738 2,106 1,351 893
1999 8,621 5,240 2,989 315 77 682 1,442 1,878 2,219 1,467 933
1997 9,214 5,977 2,874 297 66 724 1,536 2,020 2,343 1,613 978
Total assets (in billions)
2001 $6,555.5 $225.8 $803.2 $898.2 $4,628.4 $2,343.0 $1,647.8 $1,251.0 $335.6 $269.9 $708.2
1999 5,513.1 245.4 743.6 881.8 3,642.3 1,898.5 1,493.7 931.7 373.8 306.7 508.6
1997 4,869.3 272.3 711.1 899.7 2,986.2 1,839.9 898.5 793.4 329.2 341.4 666.9
Return on assets (%)
2001 1.17 0.96 1.22 1.31 1.14 1.15 1.03 1.04 1.42 1.18 1.68
1999 1.32 1.08 1.36 1.50 1.29 1.25 1.29 1.29 1.51 1.21 1.68
1997 1.24 1.25 1.38 1.30 1.18 1.13 1.29 1.27 1.40 1.24 1.31
Net charge-offs to loans & leases (%)
2001 0.83 0.27 0.35 0.90 0.93 0.96 0.69 0.76 0.69 0.39 1.20
1999 0.58 0.35 0.32 0.64 0.64 0.76 0.40 0.35 0.74 0.42 0.94
1997 0.62 0.23 0.33 1.03 0.58 0.71 0.44 0.48 0.82 0.33 0.83
Noncurrent assets plus OREO to assets (%)
2001 0.85 0.82 0.73 0.77 0.89 0.82 0.85 0.96 0.73 0.74 0.84
1999 0.67 0.72 0.63 0.62 0.69 0.78 0.57 0.59 0.62 0.68 0.72
1997 0.68 0.77 0.71 0.82 0.62 0.72 0.61 0.62 0.67 0.55 0.77
Equity capital ratio (%)
2001 8.93 11.25 9.86 9.79 8.49 8.09 9.58 8.61 9.23 9.83 10.31
1999 8.51 10.92 9.40 9.27 7.97 7.91 8.59 8.21 8.89 8.73 10.62
1997 8.53 10.96 9.69 9.33 7.79 7.39 9.28 8.69 9.20 8.98 9.92

REGIONS:

Northeast - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico, Rhode Island, Vermont, US Virgin Islands

Southeast - Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia

Central - Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin

Midwest - Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota

Southwest - Arkansas, Louisiana, New Mexico, Oklahoma, Texas

West - Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

Last Updated 11/26/2002 insurance-research@fdic.gov

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