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Quarterly Banking Profile

TABLE III-A. First Quarter 2001, 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
FIRST QUARTER Preliminary
(The way it is)

All Institutions North-
east
South-
east
Central  Mid-
west
South-
west
West 
Number of institutions reporting 8,238 4,760 3,088 311 79 655 1,419 1,767 2,133 1,366 898
Total assets (in billions) $6,311.2 $229.6 $781.4 $884.1 $4,416.2 $2,237.2 $1,598.6 $1,126.4 $414.3 $262.6 $672.0
Total deposits (in billions) 4,184.0 194.0 639.3 612.4 2,738.3 1,392.2 1,079.8 745.2 288.0 214.4 464.3
Net income (in millions) 19,879 565 2,436 3,041 13,839 6,585 4,686 3,075 1,312 761 3,461
% of unprofitable institutions 6.9 10.3 2.1 2.6 1.3 9.3 10.2 6.1 4.1 5.2 10.4
% of institutions with earnings gains 53.0 48.2 59.0 64.0 60.8 59.2 51.4 54.0 48.6 51.9 60.7
 
Performance ratios (annualized, %)
Yield on earning assets 8.11 8.34 8.39 8.50 7.96 7.88 7.97 8.02 8.50 8.20 9.03
Cost of funding earning assets 4.28 4.06 4.07 4.16 4.35 4.47 4.14 4.41 4.20 3.84 3.99
Net interest margin 3.83 4.28 4.32 4.34 3.61 3.41 3.83 3.61 4.30 4.37 5.04
Noninterest income to earning assets 2.97 1.10 1.74 2.55 3.40 3.86 2.41 1.87 2.77 1.55 4.12
Noninterest expense to earning assets 4.07 3.75 3.84 4.02 4.14 4.55 3.72 3.24 4.36 3.87 4.72
Loan and lease loss provision to assets 0.51 0.22 0.27 0.55 0.55 0.48 0.41 0.47 0.68 0.27 0.88
Net operating income to assets 1.24 0.97 1.23 1.33 1.23 1.17 1.15 1.04 1.20 1.13 2.05
Return on assets 1.27 1.00 1.26 1.38 1.26 1.19 1.17 1.10 1.26 1.17 2.09
Return on equity 14.78 8.92 12.97 15.10 15.51 14.88 13.27 13.88 12.99 12.33 21.00
Net charge-offs to loans and leases 0.73 0.20 0.28 0.73 0.84 0.86 0.57 0.58 0.86 0.33 1.11
Loan and lease loss provision to net charge-offs 113.93 180.29 148.52 117.03 110.25 108.73 108.45 119.03 116.41 139.19 123.02
Efficiency ratio 57.94 69.10 62.45 56.28 57.06 60.68 57.55 57.71 59.70 63.09 49.64
Condition Ratios (%)
Earning assets to total assets 86.25 91.98 91.62 89.66 84.31 83.13 86.43 89.66 89.74 89.81 86.93
Loss allowance to:
Loans and leases 1.69 1.40 1.42 1.84 1.72 1.85 1.52 1.53 1.62 1.41 2.12
Noncurrent loans and leases 140.30 138.90 164.55 178.76 130.75 129.69 128.80 139.53 170.67 141.42 190.09
Noncurrent assets plus
other real estate owned to assets 0.79 0.73 0.65 0.72 0.83 0.77 0.85 0.80 0.70 0.68 0.78
Equity capital ratio 8.66 11.19 9.78 9.29 8.20 8.02 8.98 7.98 9.88 9.60 10.02
Core capital (leverage) ratio 7.69 11.13 9.37 8.33 7.08 7.22 7.67 7.58 8.32 8.64 8.72
Tier 1 risk-based capital ratio 9.55 16.65 13.15 11.05 8.43 9.46 9.12 8.86 10.78 12.64 10.35
Total risk-based capital ratio 12.29 17.77 14.30 12.86 11.66 12.37 11.91 11.83 12.98 14.05 12.84
Net loans and leases to deposits 89.96 71.17 78.06 90.98 93.84 80.16 96.67 101.21 96.07 70.65 90.79
Structural Changes (YTD)
New Charters 33 31 1 0 0 4 7 7 6 1 8
Banks absorbed by mergers 103 41 49 10 3 11 17 33 16 14 12
Failed banks 1 1 0 0 0 1 0 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was)
   Number of institutions
2000
8,518 5,093 3,047 299 79 674 1,429 1,848 2,195 1,443 929
1998 9,023 5,742 2,918 298 65 708 1,480 1,970 2,309 1,579 977
1996 9,838 6,582 2,835 349 72 785 1,640 2,158 2,471 1,743 1,041
   Total assets (in billions)
2000
$5,845.6 $238.7 $761.8 $857.0 $3,988.2 $2,010.8 $1,556.1 $997.8 $396.9 $315.2 $568.8
1998 5,109.1 263.8 729.0 899.7 3,216.6 1,894.1 1,017.0 813.7 336.7 363.3 684.2
1996 4,308.4 295.7 692.1 1,081.2 2,239.4 1,620.2 750.5 689.4 284.5 327.5 636.2
   Return on assets (%)
2000
1.34 1.14 1.33 1.55 1.32 1.40 1.36 1.21 1.42 1.12 1.42
1998 1.26 1.19 1.37 1.72 1.11 1.19 1.16 1.32 1.48 1.21 1.41
1996 1.12 1.21 1.30 1.28 0.97 0.90 1.18 1.17 1.37 1.28 1.35
   Net charge-offs to loans & leases (%)
2000 0.57 0.17 0.31 0.68 0.62 0.76 0.39 0.34 0.83 0.34 0.86
1998 0.62 0.17 0.28 1.04 0.61 0.89 0.37 0.37 0.72 0.33 0.77
1996 0.55 0.17 0.34 0.86 0.49 0.68 0.42 0.39 0.64 0.24 0.68
Noncurrent assets plus
   OREO to assets (%)
2000
0.65 0.69 0.59 0.60 0.67 0.73 0.61 0.57 0.59 0.59 0.66
1998 0.67 0.75 0.66 0.76 0.65 0.77 0.58 0.60 0.65 0.55 0.71
1996 0.86 0.85 0.82 0.88 0.87 1.02 0.67 0.67 0.70 0.64 1.07
   Equity capital ratio (%)
2000
8.41 10.79 9.30 8.99 7.97 7.95 8.55 7.93 8.79 8.63 10.12
1998 8.41 10.88 9.61 9.58 7.61 7.44 8.71 8.60 9.12 8.71 9.92
1996 8.20 10.42 9.41 8.85 7.22 7.65 8.38 8.50 8.86 8.60 8.57
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 06/07/2001 Questions, Suggestions & Requests