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Quarterly Banking Profile


TABLE IV-A. Third Quarter 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

THIRD QUARTER 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) 17,388 530 2,431 2,951 11,475 6,249 3,168 3,116 1,255 810 2,790
% of unprofitable institutions 8.2 11.4 3.8 5.0 7.5 11.0 11.9 6.4 5.1 7.7 11.6
% of institutions with earnings gains 55.1 49.8 61.4 68.4 63.8 60.3 53.4 58.8 55.1 52.0 51.6
Performance Ratios (annualized, %)
Yield on earning assets 7.25 7.83 7.87 7.75 7.00 6.92 7.13 7.23 7.94 7.56 8.12
Cost of funding earning assets 3.32 3.58 3.46 3.33 3.28 3.52 3.16 3.40 3.41 3.10 2.99
Net interest margin 3.93 4.26 4.41 4.42 3.72 3.40 3.97 3.83 4.53 4.46 5.13
Noninterest income to earning assets 2.81 1.11 1.73 2.57 3.15 3.61 2.34 2.04 2.91 1.57 3.23
Noninterest expense to earning assets 4.06 3.70 3.84 3.98 4.14 4.32 4.09 3.30 4.38 3.86 4.50
Credit loss provision to assets 0.72 0.31 0.39 0.74 0.79 0.61 0.74 0.89 0.63 0.34 0.90
Net operating income to assets 1.04 0.93 1.20 1.29 0.96 1.04 0.75 0.96 1.49 1.17 1.54
Pretax return on assets 1.64 1.25 1.76 2.04 1.56 1.68 1.20 1.46 2.20 1.66 2.54
Return on assets 1.08 0.95 1.23 1.34 1.01 1.10 0.78 1.00 1.53 1.21 1.59
Return on equity 12.20 8.48 12.52 13.92 11.99 13.54 8.32 11.84 16.48 12.43 15.62
Net charge-offs to loans and leases 0.96 0.34 0.41 0.96 1.10 1.04 0.98 0.86 0.80 0.43 1.18
Credit loss provision to net charge-offs 124.99 147.96 142.79 121.24 124.01 117.98 117.33 152.62 114.31 134.97 120.31
Efficiency ratio 58.44 68.44 61.73 55.12 58.17 59.72 62.57 54.71 57.92 62.46 51.91
Structural Changes (QTR)
New charters 30 30 0 0 0 1 11 3 2 3 10
Banks absorbed by mergers 58 29 23 4 2 8 11 14 11 5 9
Failed banks 2 1 0 1 0 0 0 1 0 1 0
PRIOR THIRD QUARTERS
(The way it was)
Return on assets (%)
2000
1.28 1.07 1.28 1.49 1.24 1.36 1.31 1.02 1.42 1.04 1.40

1998

1.15 1.27 1.33 1.62 0.97 0.90 1.47 1.38 1.49 1.26 0.82

1996

1.19 1.26 1.27 1.31 1.11 1.12 1.17 1.21 1.46 1.23 1.24
Net charge-offs to loans & leases (%)

2000

0.61 0.24 0.37 0.67 0.66 0.74 0.46 0.38 0.72 0.37 1.05

1998

0.71 0.26 0.36 1.04 0.72 0.98 0.39 0.39 0.75 0.37 1.11

1996

0.56 0.25 0.39 1.03 0.42 0.59 0.44 0.45 0.68 0.34 0.77

Last Updated 11/29/2001 research@fdic.gov