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The FDIC Preliminary Bank Earnings Report

TABLE III-A. First Three Quarters 2000, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
Less $100 Million $1 Billion Greater East West
FIRST THREE QUARTERS Preliminary All than $100 to to than $10 North- South-   Mid- South-  
(The way it is.. ) Institutions Million $1 Billion $10 Billion Billion east east Central west west West
Number of institutions reporting 8,375 4,922 3,070 301 82 668 1,429 1,808 2,151 1,406 913
Total assets (in billions $6,064.1 $233.2 $770.5 $868.1 $4,192.3 $2,092.4 $1,611.1 $1,041.9 $406.5 $294.1 $618.1
Total deposits (in billions 4,019.6 195.8 626.4 602.2 2,595.1 1,309.6 1,068.6 700.4 282.9 233.4 424.7
Net income (in millions 53,438 1,954 7,255 8,616 35,612 20,204 12,389 8,064 4,230 2,336 6,215
% of unprofitable institutions 6.6 9.8 1.7 4.0 8.5 9.1 10.8 5.6 3.1 5.8 9.9
% of institutions with earnings gains 68.2 66.7 71.5 63.1 56.1 65.9 68.2 65.2 67.4 70.3 74.7
Performance ratios (annualized, %)
Yield on earning assets 8.24 8.37 8.50 8.41 8.15 8.02 8.12 8.18 8.65 8.26 9.17
Cost of funding earning assets 4.27 3.80 3.93 4.12 4.40 4.44 4.18 4.51 4.18 3.76 3.84
Net interest margin 3.97 4.57 4.57 4.29 3.75 3.58 3.94 3.67 4.47 4.50 5.34
Noninterest income to earning assets 2.95 1.22 1.73 2.58 3.38 3.98 2.47 1.88 2.77 1.43 3.64
Noninterest expense to earning assets 4.19 3.84 3.87 3.92 4.33 4.61 3.97 3.34 4.12 3.70 5.18
Credit loss provision to assets 0.45 0.25 0.33 0.49 0.47 0.42 0.35 0.38 0.61 0.34 0.84
Net operating income to assets 1.25 1.15 1.32 1.40 1.21 1.28 1.16 1.10 1.47 1.19 1.52
Return on assets 1.20 1.16 1.30 1.36 1.16 1.31 1.05 1.06 1.44 1.08 1.44
Return on equity 14.25 10.45 13.97 15.45 14.33 16.41 12.35 13.18 15.75 12.22 14.05
Net charge-offs to loans and leases 0.59 0.23 0.34 0.63 0.64 0.74 0.43 0.35 0.79 0.35 0.96
Credit loss provision to net charge-offs 123.78 177.51 153.63 124.05 119.64 107.80 126.27 161.80 113.87 162.07 130.91
Efficiency ratio 58.43 65.75 60.62 55.17 58.38 58.88 59.64 58.66 55.19 60.67 55.54
Condition Ratios (%)
Earning assets to total assets 86.65 92.01 91.89 90.18 84.66 83.66 86.96 89.87 90.42 89.78 86.61
Loss allowance to:
Loans and leases 1.66 1.39 1.41 1.71 1.71 1.86 1.50 1.41 1.58 1.35 2.10
Noncurrent loans and leases 160.96 148.93 175.57 195.01 153.66 147.24 153.78 156.60 199.52 143.47 223.04
Noncurrent assets plus
other real estate owned to assets 0.70 0.69 0.61 0.61 0.73 0.73 0.70 0.67 0.60 0.66 0.70
Equity capital ratio 8.59 11.08 9.44 8.99 8.22 8.20 8.46 8.14 9.51 9.07 10.20
Core capital (leverage) ratio 7.84 11.18 9.34 8.43 7.25 7.65 7.55 7.75 8.28 8.44 8.85
Tier 1 risk-based capital ratio 9.57 16.51 13.04 11.17 8.44 9.68 8.99 9.00 10.50 11.84 10.25
Total risk-based capital ratio 12.27 17.61 14.21 12.99 11.60 12.60 11.74 11.74 12.68 13.67 12.68
Net loans and leases to deposits 92.41 72.75 79.47 90.55 97.46 84.37 97.87 100.88 98.01 75.95 94.83
Structural Changes (YTD)
New Charters 140 137 2 1 0 14 49 28 19 7 23
Banks absorbed by mergers 344 148 152 39 5 29 85 78 83 37 32
Failed banks 4 3 1 0 0 0 1 0 2 0 1
PRIOR FIRST THREE QUARTERS
(The way it was..)
Number of institutions
1999
8,621 5,241 2,988 315 77 682 1,442 1,877 2,219 1,467 934
1997 9,214 5,977 2,874 297 66 724 1,536 2,020 2,343 1,613 978
1995 10,052 6,828 2,816 339 69 809 1,671 2,195 2,527 1,789 1,061
Total assets (in billions)
1999
$5,512.5 $245.4 $743.0 $881.8 $3,642.3 $1,898.5 $1,493.7 $931.1 $373.8 $306.7 $508.7
1997 4,869.3 272.3 711.1 899.8 2,986.2 1,839.9 898.5 793.4 329.2 341.4 666.9
1995 4,229.5 301.5 692.2 1,066.8 2,168.9 1,613.6 709.8 692.5 274.2 315.5 623.9
Return on assets (%)
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 1.14 1.29 1.27 1.40 1.24 1.31
1995 1.19 1.24 1.25 1.31 1.10 1.04 1.19 1.19 1.53 1.20 1.43
Net charge-offs to loans & leases (%)
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
1995 0.45 0.20 0.32 0.67 0.40 0.60 0.27 0.27 0.49 0.19 0.59
Noncurrent assets plus
  OREO to assets (%)
1999
0.67 0.72 0.63 0.62 0.69 0.78 0.57 0.60 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
1995 0.92 0.85 0.87 0.89 0.95 1.14 0.69 0.64 0.65 0.64 1.18
Equity capital ratio (%)
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
1995 8.13 10.51 9.42 8.69 7.12 7.57 8.24 8.31 8.83 8.71 8.68
REGIONS: Northeast - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico,
Rhode Island, Vermont, U.S. 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

Last Updated 12/05/2000 Questions, Suggestions & Requests