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The FDIC Preliminary Bank Earnings Report

TABLE IV-A. Third Quarter 2000, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
    Less $100 Million $1 Billion Greater East West
THIRD QUARTER 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) 19,271.8 648.0 2,437.1 3,205.0 12,981.7 7,067.1 5,255.6 2,637.9 1,435.6 777.2 2,098.5
% of unprofitable institutions 6.8 9.6 2.3 5.3 6.1 8.8 10.5 5.8 3.9 6.3 9.0
% of institutions with earnings gains 59.0 56.4 63.1 60.8 56.1 63.2 59.2 56.6 55.9 58.5 68.1
Performance Ratios (annualized, %)
Yield on earning assets 8.44 8.62 8.73 8.66 8.33 8.15 8.29 8.40 8.93 8.51 9.55
Cost of funding earning assets 4.51 4.04 4.18 4.38 4.63 4.61 4.44 4.76 4.49 3.99 4.19
Net interest margin 3.93 4.59 4.55 4.28 3.70 3.53 3.85 3.64 4.44 4.52 5.36
Noninterest income to earning assets 3.01 1.16 1.78 2.96 3.38 3.80 2.82 1.84 2.79 1.48 3.88
Noninterest expense to earning assets 4.11 3.83 3.87 4.00 4.20 4.43 3.78 3.40 4.12 3.86 5.32
Credit loss provision to assets 0.45 0.26 0.39 0.54 0.45 0.40 0.37 0.35 0.64 0.32 0.97
Net operating income to assets 1.33 1.13 1.30 1.54 1.30 1.30 1.49 1.05 1.44 1.13 1.49
Return on assets 1.28 1.13 1.28 1.49 1.24 1.36 1.31 1.02 1.42 1.06 1.40
Return on equity 15.05 10.18 13.69 16.80 15.30 16.77 15.62 12.62 15.13 11.88 13.67
Net charge-offs to loans and leases 0.61 0.24 0.37 0.67 0.66 0.74 0.46 0.38 0.72 0.37 1.05
Credit loss provision to net charge-offs 119.33 174.07 162.33 125.61 112.12 100.13 120.67 135.19 128.72 142.52 136.96
Efficiency ratio 57.20 66.18 60.23 53.29 57.10 58.45 54.51 60.59 54.97 62.74 54.92
Structural Changes (QTR)
New charters 33 33 0 0 0 4 8 7 4 3 7
Banks absorbed by mergers 135 66 59 7 3 7 28 32 37 14 17
Failed banks 2 2 0 0 0 0 1 0 1 0 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
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
1995 1.32 1.33 1.31 1.35 1.30 1.15 1.27 1.24 1.77 1.27 1.74
Net charge-offs to loans & leases (%)
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
1995 0.51 0.25 0.35 0.73 0.48 0.71 0.29 0.33 0.54 0.24 0.61

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