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TABLE IV-A. Fourth Quarter 2000, 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
FOURTH QUARTER Preliminary (The way it is..) North-east South-east  Central West  Mid-west South-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) 17,821.1 453.5 2,275.2 2,415.7 12,676.8 7,052.0 4,316.4 2,512.7 1,424.6 533.8 1,981.5
% of unprofitable institutions 12.2 17.7 4.5 6.1 7.3 11.6 15.5 9.3 11.9 12.2 14.2
% of institutions with earnings gains 55.8 52.3 61.0 57.5 58.5 62.1 55.2 56.1 51.0 57.2 60.7
Performance Ratios (annualized, %)
Yield on earning assets 8.46 8.62 8.69 8.67 8.36 8.29 8.32 8.38 8.95 8.53 9.17
Cost of funding earning assets. 4.56 4.15 4.25 4.43 4.67 4.75 4.45 4.72 4.48 4.09 4.21
Net interest margin 3.90 4.47 4.44 4.24 3.69 3.54 3.86 3.65 4.47 4.44 4.97
Noninterest income to earning assets 2.97 1.27 1.80 2.47 3.40 4.02 2.42 1.89 2.89 1.45 3.61
Noninterest expense to earning assets 4.16 4.18 3.96 4.05 4.22 4.64 3.74 3.37 4.34 3.83 5.07
Credit loss provision to assets 0.62 0.35 0.41 0.72 0.65 0.48 0.56 0.62 0.69 0.92 1.05
Net operating income to assets 1.13 0.80 1.19 1.12 1.14 1.30 1.00 0.94 1.37 0.70 1.24
Return on assets 1.16 0.80 1.19 1.11 1.18 1.32 1.07 0.95 1.38 0.72 1.25
Return on equity 13.57 7.17 12.50 12.31 14.54 16.31 12.55 11.82 14.53 7.96 12.42
Net charge-offs to loans and leases 0.81 0.43 0.44 0.81 0.90 0.92 0.73 0.55 0.92 0.66 1.15
Credit loss provision to net charge-offs 123.91 130.29 140.89 138.47 119.32 97.80 116.69 166.66 108.88 229.48 139.01
Efficiency ratio 58.63 71.89 62.51 58.16 57.45 59.65 57.41 59.19 57.02 63.18 56.77
Structural Changes (QTR)
New charters 51 51 0 0 0 3 18 7 4 6 13
Banks absorbed by mergers 109 45 55 8 1 6 23 26 16 22 16
Failed banks 2 2 0 0 0 0 0 1 0 0 1
PRIOR FOURTH QUARTERS
(The way it was)
Return on assets (%)             1999 1.27 0.85 1.31 1.42 1.25 1.21 1.29 1.25 1.44 0.98 1.51
1997 1.24 0.99 1.26 1.55 1.16 1.13 1.06 1.37 1.57 1.17 1.47
1995 1.12 1.05 1.20 1.27 1.04 0.96 1.18 1.09 1.42 1.22 1.35
Net charge-offs to loans & leases (%)
1999 0.71 0.44 0.48 0.80 0.75 0.88 0.59 0.43 0.80 0.60 0.99
1997 0.69 0.44 0.47 1.21 0.60 0.81 0.54 0.54 0.83 0.51 0.84
1995 0.62 0.39 0.52 0.92 0.52 0.75 0.48 0.45 0.67 0.38 0.75
Last Updated 03/07/2001 Questions, Suggestions & Requests