|
|
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 |
