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Quarterly Banking Profile


TABLE III-A. First Three Quarters 2001, 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

FIRST THREE QUARTERS Preliminary
(The way it is)

North-
east
South-
east
Central  Mid-
west
South-
west
West
Number of institutions reporting 8,147 4,598 3,149 320 80 648 1,411 1,738 2,106 1,351 893
Total assets (in billions) $6,553.5 $225.8 $802.6 $896.5 $4,628.6 $2,341.0 $1,647.8 $1,251.0 $335.6 $269.9 $708.2
Total deposits (in billions) 4,293.6 190.4 654.9 610.3 2,838.0 1,444.4 1,086.7 817.4 239.4 219.7 485.9
Net income (in millions) 55,879 1,564 7,129 8,691 38,496 19,414 12,452 9,520 3,531 2,337 8,625
% of unprofitable institutions 7.5 11.2 2.7 3.1 1.3 10.2 12.1 6.2 4.5 5.4 11.5
% of institutions with earnings gains 53.3 46.7 61.1 69.7 60.0 63.4 51.3 56.8 50.2 48.2 57.1
Performance ratios (annualized, %)
Yield on earning assets 7.58 8.05 8.12 8.10 7.35 7.35 7.33 7.58 8.12 7.86 8.53
Cost of funding earning assets 3.74 3.80 3.76 3.75 3.73 3.94 3.53 3.84 3.80 3.46 3.48
Net interest margin 3.85 4.25 4.36 4.35 3.62 3.42 3.79 3.74 4.32 4.40 5.04
Noninterest income to earning assets 2.86 1.11 1.67 2.60 3.23 3.69 2.36 2.02 2.85 1.56 3.47
Noninterest expense to earning assets 4.02 3.71 3.81 4.03 4.08 4.39 3.76 3.35 4.35 3.86 4.62
Loan and lease loss provision to assets 0.59 0.27 0.33 0.67 0.63 0.54 0.50 0.69 0.54 0.30 0.89
Net operating income to assets 1.14 0.94 1.19 1.27 1.11 1.12 1.01 0.99 1.39 1.15 1.62
Pretax return on assets 1.77 1.26 1.74 2.01 1.76 1.77 1.58 1.52 2.07 1.64 2.59
Return on assets 1.17 0.96 1.23 1.32 1.14 1.16 1.03 1.04 1.43 1.18 1.68
Return on equity 13.44 8.50 12.60 14.10 13.80 14.35 11.29 12.37 15.78 12.29 16.69
Net charge-offs to loans and leases 0.83 0.27 0.35 0.90 0.93 0.96 0.69 0.76 0.69 0.39 1.20
Loan and lease loss provision to net charge-offs 117.45 163.28 144.22 117.86 114.77 111.98 111.39 133.80 116.50 133.56 115.87
Efficiency ratio 58.05 68.82 62.41 55.73 57.37 59.87 58.86 56.02 59.60 63.01 52.44
Condition Ratios (%)
Earning assets to total assets 85.20 91.81 91.59 89.77 82.89 81.82 84.74 88.42 90.82 89.82 87.35
Loss allowance to:
Loans and leases 1.77 1.40 1.42 1.91 1.82 1.90 1.58 1.69 1.64 1.43 2.18
Noncurrent loans and leases 131.68 125.02 147.53 171.06 123.47 119.02 128.60 125.24 170.03 132.71 179.54
Noncurrent assets plus
other real estate owned to assets 0.85 0.82 0.74 0.77 0.89 0.82 0.85 0.97 0.73 0.74 0.84
Equity capital ratio 8.93 11.25 9.87 9.73 8.50 8.07 9.58 8.61 9.23 9.83 10.31
Core capital (leverage) ratio 7.81 10.86 9.27 8.68 7.22 7.41 7.81 7.56 8.53 8.67 8.85
Tier 1 risk-based capital ratio 9.41 15.93 12.56 11.43 8.32 9.54 9.25 8.65 11.79 12.65 8.89
Total risk-based capital ratio 12.10 17.02 13.69 13.36 11.45 12.37 12.11 11.68 13.32 14.18 11.14
Net loans and leases to deposits 88.32 72.32 78.86 91.01 91.00 77.88 94.50 100.88 93.58 71.04 89.60
Structural Changes (YTD)
New Charters 92 89 3 0 0 10 24 17 11 6 24
Banks absorbed by mergers 250 110 115 19 6 28 42 78 42 31 29
Failed banks 3 3 0 0 0 1 0 1 0 1 0
PRIOR FIRST THREE QUARTERS
(The way it was)
Number of institutions
2000
8,375 4,922 3,069 302 82 668 1,429 1,809 2,151 1,405 913

1998

8,909 5,579 2,947 319 64 697 1,467 1,940 2,295 1,549 961

1996

9,586 6,334 2,854 330 68 752 1,587 2,122 2,425 1,687 1,013
Total assets (in billions)
2000
$6,067.2 $233.2 $770.8 $871.0 $4,192.2 $2,092.4 $1,611.1 $1,042.3 $406.5 $294.1 $620.8

1998

5,267.8 257.4 730.9 955.3 3,324.2 1,916.5 1,148.6 835.2 363.0 301.5 703.0

1996

4,458.5 285.1 694.2 1,035.0 2,444.2 1,687.5 776.3 704.8 289.4 327.9 672.6
Return on assets (%)
2000
1.20 1.14 1.30 1.36 1.16 1.30 1.05 1.06 1.44 1.07 1.44

1998

1.22 1.24 1.35 1.58 1.08 1.08 1.29 1.32 1.49 1.20 1.22

1996

1.19 1.23 1.29 1.31 1.10 1.08 1.21 1.19 1.44 1.23 1.28
Net charge-offs to loans & leases (%)

2000

0.59 0.24 0.34 0.62 0.64 0.74 0.43 0.35 0.79 0.35 0.95

1998

0.65 0.25 0.33 1.02 0.64 0.90 0.40 0.39 0.72 0.38 0.89

1996

0.56 0.21 0.37 0.99 0.44 0.62 0.43 0.42 0.65 0.31 0.79
Noncurrent assets plus
OREO to assets (%)
2000
0.70 0.70 0.61 0.61 0.73 0.73 0.70 0.67 0.60 0.66 0.70

1998

0.65 0.76 0.65 0.74 0.61 0.74 0.55 0.59 0.65 0.59 0.65

1996

0.80 0.82 0.81 0.89 0.76 0.92 0.67 0.63 0.68 0.65 0.95
Equity capital ratio (%)
2000
8.59 11.07 9.44 8.98 8.22 8.20 8.46 8.14 9.51 9.07 10.19
1998 8.68 11.17 9.80 9.83 7.91 7.64 9.36 8.81 9.11 9.36 9.73
1996 8.31 10.57 9.45 8.96 7.44 7.39 8.52 8.62 8.86 8.89 9.53

REGIONS: Northeast - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico,

Rhode Island, Vermont, US 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 11/29/2001 research@fdic.gov