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TABLE III-A. Full Year 2000, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
Less than $100 Million $100 Million to $1 Billion $1 Billion to $10 Billion Greater than $10 Billion East West

FULL YEAR Preliminary
(The way it is)

All Institutions North-east South-east Central  Mid-west South-west West 
Number of institutions reporting 8,315 4,842 3,078 313 82 665 1,425 1,791 2,144 1,384 906
Total assets (in billions) $6,238.7 $231.2 $773.0 $884.1 $4,350.4 $2,181.0 $1,610.8 $1,071.9 $419.0 $302.3 $653.7
Total deposits (in billions) 4,176.6 194.9 632.5 621.6 2,727.6 1,371.4 1,096.0 729.8 290.7 241.4 447.3
Net income (in millions) 71,176 2,220 9,396 10,927 48,633 27,186 16,692 10,652 5,637 2,839 8,170
% of unprofitable institutions 7.1 10.6 1.8 4.2 7.3 10.1 11.8 5.7 3.5 5.9 10.4
% of institutions with earnings gains 67.8 65.4 72.1 65.8 48.8 68.9 68.5 64.4 65.9 69.8 73.7
Performance ratios (%)
Yield on earning assets 8.29 8.41 8.52 8.48 8.20 8.08 8.17 8.22 8.70 8.31 9.15
Cost of funding earning assets 4.34 3.87 4.00 4.20 4.46 4.52 4.25 4.56 4.24 3.84 3.93
Net interest margin 3.95 4.54 4.51 4.28 3.73 3.56 3.92 3.66 4.46 4.47 5.22
Noninterest income to earning assets 2.96 1.22 1.75 2.56 3.38 3.99 2.46 1.89 2.79 1.43 3.63
Noninterest expense to earning assets 4.18 3.89 3.91 3.96 4.29 4.62 3.91 3.35 4.17 3.73 5.14
Credit loss provision to assets 0.49 0.35 0.33 0.56 0.51 0.44 0.40 0.44 0.63 0.48 0.90
Net operating income to assets 1.22 1.01 1.29 1.32 1.19 1.28 1.12 1.07 1.44 1.05 1.44
Return on assets 1.19 1.01 1.28 1.29 1.16 1.31 1.05 1.03 1.42 0.98 1.38
Return on equity 14.07 9.09 13.56 14.57 14.42 16.38 12.37 12.89 15.40 11.02 13.61
Net charge-offs to loans and leases 0.64 0.40 0.33 0.68 0.71 0.79 0.50 0.40 0.83 0.43 1.01
Credit loss provision to net charge-offs 123.88 141.75 152.66 129.76 119.62 104.92 122.84 163.35 112.40 189.04 133.31
Efficiency ratio. 58.48 66.97 61.48 55.94 58.11 59.10 59.09 58.77 55.65 61.42 55.83
 
Condition Ratios (%)
Earning assets to total assets 86.17 91.78 91.59 89.47 84.23 83.15 86.34 89.49 89.82 89.05 86.69
Loss allowance to:
Loans and leases 1.68 1.38 1.41 1.76 1.73 1.84 1.51 1.48 1.59 1.54 2.13
Noncurrent loans and leases 149.27 153.28 177.13 190.11 139.13 139.56 130.69 146.06 195.23 171.36 207.96
Noncurrent assets plus
other real estate owned to assets 0.74 0.67 0.61 0.64 0.79 0.73 0.82 0.74 0.61 0.62 0.73
Equity capital ratio 8.49 11.08 9.60 8.99 8.05 8.00 8.61 7.91 9.50 8.93 9.89
Core capital (leverage) ratio 7.71 11.01 9.28 8.36 7.11 7.48 7.50 7.57 8.25 8.21 8.65
Tier 1 risk-based capital ratio 9.42 16.34 12.96 11.01 8.30 9.53 8.91 8.81 10.45 11.42 10.01
Total risk-based capital ratio. 12.13 17.44 14.12 12.81 11.48 12.47 11.66 11.64 12.60 13.27 12.39
Net loans and leases to deposits.. 89.84 71.86 78.63 88.64 93.99 81.52 95.07 98.24 96.84 74.41 92.59
 
Structural Changes
New Charters. 192 189 2 1 0 18 67 35 23 13 36
Banks absorbed by mergers. 453 193 207 47 6 35 108 104 99 59 48
Failed banks. 6 5 1 0 0 0 1 1 2 0 2
 
PRIOR FULL YEARS
(The way it was)
Number of institutions          1999 8,580 5,156 3,030 318 76 678 1,450 1,858 2,205 1,456 933
1997 9,142 5,853 2,922 301 66 714 1,525 1,998 2,329 1,600 976
1995 9,940 6,658 2,861 346 75 794 1,659 2,178 2,487 1,773 1,049
 
Total assets (in billions)        1999 $5,734.8 $242.4 $754.7 $915.2 $3,822.5 $2,009.6 $1,531.6 $952.0 $389.6 $314.2 $537.7
1997 5,014.9 267.8 727.7 902.7 3,116.7 1,893.9 946.9 804.8 335.0 355.9 678.4
1995 4,312.7 297.9 696.7 1,052.8 2,265.2 1,625.6 737.7 695.2 287.5 326.4 640.3
 
Return on assets (%)           1999 1.31 1.01 1.34 1.48 1.28 1.24 1.29 1.28 1.48 1.15 1.63
1997 1.23 1.18 1.33 1.36 1.18 1.14 1.23 1.29 1.43 1.22 1.35
1995 1.17 1.18 1.24 1.27 1.10 1.02 1.19 1.15 1.50 1.20 1.41
 
Net charge-offs to loans & leases (%)
1999 0.61 0.37 0.36 0.68 0.66 0.79 0.45 0.37 0.76 0.47 0.95
1997 0.64 0.28 0.36 1.08 0.58 0.73 0.46 0.50 0.82 0.38 0.83
1995 0.49 0.24 0.37 0.69 0.46 0.64 0.32 0.31 0.54 0.24 0.62
 
Noncurrent assets plus
OREO to assets (%)             1999 0.63 0.66 0.58 0.58 0.66 0.72 0.58 0.55 0.60 0.61 0.67
1997 0.66 0.71 0.65 0.77 0.63 0.73 0.59 0.58 0.69 0.52 0.72
1995 0.85 0.78 0.80 0.82 0.89 1.03 0.64 0.63 0.64 0.62 1.09
 
Equity capital ratio (%)         1999 8.37 10.68 9.24 9.09 7.87 7.71 8.60 8.02 8.84 8.53 10.29
1997 8.33 10.81 9.62 9.16 7.58 7.33 8.87 8.35 9.06 8.65 9.82
1995 8.11 10.42 9.39 8.57 7.19 7.61 8.23 8.30 8.70 8.52 8.53
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
West - Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

Last Updated 03/07/2001 Questions, Suggestions & Requests