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Quarterly Banking Profile

TABLE IV-A. Third Quarter 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

Third Quarter 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) 23,409 610 2,778 3,770 16,251 6,239 6,061 4,840 1,627 978 3,665
% of unprofitable institutions 6.1 9.0 2.6 3.8 5.0 9.4 8.8 5.5 3.3 4.5 9.8
% of institutions with earnings gains 72.1 67.6 77.7 77.4 70.0 70.9 75.8 73.7 70.0 70.6 71.6
Performance Ratios (annualized, %)
Yield on earning assets 6.20 6.77 6.73 6.24 6.06 6.02 6.16 5.95 7.34 6.39 6.58
Cost of funding earning assets 2.12 2.34 2.26 2.05 2.10 2.40 2.06 2.11 2.15 1.86 1.58
Net interest margin 4.07 4.43 4.47 4.19 3.96 3.63 4.11 3.84 5.19 4.52 5.00
Noninterest income to earning assets 2.98 1.16 1.59 3.13 3.30 3.76 2.61 2.21 3.31 1.66 3.33
Noninterest expense to earning assets 3.99 3.71 3.69 4.08 4.04 4.34 3.91 3.32 4.55 3.91 4.13
Loan and lease loss provision to assets 0.75 0.31 0.38 0.61 0.85 1.00 0.46 0.58 1.17 0.32 0.86
Net operating income to assets 1.28 1.09 1.28 1.60 1.22 0.98 1.35 1.24 1.66 1.26 1.92
Pretax return on assets 2.05 1.47 1.84 2.57 2.01 1.66 2.05 2.03 2.47 1.90 3.11
Return on assets 1.37 1.14 1.32 1.67 1.34 1.07 1.44 1.38 1.71 1.38 1.96
Return on equity 14.88 10.14 13.35 16.17 15.16 12.42 15.09 16.11 16.50 13.74 18.39
Net charge-offs to loans and leases 1.15 0.33 0.39 1.05 1.36 1.82 0.70 0.84 1.25 0.42 1.31
Loan and lease loss provision to net charge-offs 110.34 152.36 149.75 94.36 110.09 111.04 107.32 106.41 134.44 129.75 101.49
Efficiency ratio 55.20 66.06 60.56 54.77 54.03 57.62 56.77 52.92 52.03 62.58 48.80
Structural Changes (QTR)
New charters 23 23 0 0 0 1 10 0 2 2 8
Banks absorbed by mergers 58 28 23 6 1 6 7 16 16 7 6
Failed banks 1 1 0 0 0 0 1 0 0 0 0
PRIOR THIRD QUARTERS
(The way it was)
Return on assets (%)
2001 1.08 0.95 1.23 1.31 1.01 1.10 0.78 1.00 1.53 1.21 1.58
1999 1.41 1.11 1.32 1.57 1.41 1.46 1.37 1.25 1.40 1.26 1.74
1997 1.22 1.31 1.43 1.40 1.11 1.09 1.32 1.28 1.32 1.23 1.32
Net charge-offs to loans & leases (%)
2001 0.96 0.34 0.41 0.97 1.10 1.04 0.98 0.86 0.79 0.44 1.19
1999 0.58 0.23 0.35 0.70 0.63 0.78 0.41 0.33 0.80 0.44 0.85
1997 0.66 0.26 0.34 1.10 0.62 0.74 0.47 0.54 0.90 0.39 0.86

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

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