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The FDIC Preliminary Bank Earnings Report

TABLE IV-A. Full Year 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

December 31, 2001

North-
east
South-
east
Central  Mid-
west
South-
west
West
Number of institutions reporting 8,080 4,486 3,194 320 80 651 1,392 1,721 2,094 1,342 880
Total assets (in billions) $6,569.3 $221.6 $819.8 $915.5 $4,612.4 $2,259.3 $1,634.0 $1,321.6 $363.7 $276.7 $714.1
Total deposits (in billions) 4,391.6 187.7 668.4 625.1 2,910.5 1,432.7 1,127.4 860.7 253.9 226.1 491.0
Net income (in millions) 74,248 1,888 9,293 11,513 51,554 23,693 18,254 13,271 5,005 3,088 10,937
% of unprofitable institutions 7.8 11.6 3.1 3.1 1.3 10.6 12.8 5.9 4.2 6.0 12.8
% of institutions with earnings gains 56.4 49.3 65.1 69.1 62.5 65.8 55.5 60.0 55.2 50.2 56.3
Performance Ratios (%)
Yield on earning assets 7.29 7.83 7.90 7.76 7.06 6.96 7.20 7.31 8.03 7.62 8.05
Cost of funding earning assets 3.40 3.61 3.54 3.45 3.35 3.50 3.31 3.52 3.51 3.21 3.06
Net interest margin 3.90 4.22 4.36 4.31 3.71 3.46 3.89 3.79 4.51 4.41 4.99
Noninterest income to earning assets 2.85 1.11 1.71 2.62 3.19 3.66 2.45 2.05 2.88 1.58 3.22
Noninterest expense to earning assets 4.03 3.74 3.87 4.02 4.07 4.36 3.87 3.40 4.33 3.89 4.44
Loan and lease loss provision to assets 0.67 0.32 0.38 0.66 0.74 0.74 0.51 0.73 0.66 0.33 0.88
Net operating income to assets 1.11 0.88 1.16 1.26 1.08 1.01 1.09 0.98 1.46 1.11 1.56
Pretax return on assets 1.73 1.18 1.68 2.02 1.71 1.61 1.67 1.51 2.17 1.62 2.51
Return on assets 1.15 0.90 1.19 1.31 1.13 1.05 1.13 1.03 1.49 1.16 1.63
Return on equity 13.09 7.97 12.21 13.76 13.43 12.74 12.21 12.35 16.48 12.13 15.95
Net charge-offs to loans and leases 0.94 0.35 0.42 1.03 1.06 1.20 0.74 0.80 0.87 0.45 1.24
Loan and lease loss provision to net charge-offs 118.23 149.65 139.71 101.80 119.45 120.80 105.48 133.77 112.90 125.88 110.78
Efficiency ratio 57.72 69.63 62.85 55.75 56.83 59.37 58.66 56.09 57.59 63.32 52.11
Condition Ratios (%)
Earning assets to total assets 85.23 91.38 91.15 89.48 83.03 82.09 84.28 88.11 90.44 89.41 87.69
Loss allowance to:
Loans and leases 1.85 1.42 1.44 1.80 1.97 2.12 1.61 1.76 1.72 1.43 2.08
Noncurrent loans and leases 131.12 129.29 152.22 167.73 123.46 124.98 125.36 120.57 165.97 136.49 174.56
Noncurrent assets plus other real estate owned to assets 0.92 0.81 0.73 0.73 1.00 0.97 0.88 1.04 0.77 0.72 0.81
Equity capital ratio 9.09 10.89 9.68 9.76 8.77 8.60 9.73 8.45 8.92 9.48 10.34
Core capital (leverage) ratio 7.79 10.62 9.18 8.74 7.23 7.24 7.99 7.60 8.48 8.57 8.83
Tier 1 risk-based capital ratio 9.90 15.86 12.87 11.83 8.86 9.75 9.76 9.02 11.32 12.56 10.84
Total risk-based capital ratio 12.72 16.96 14.05 13.77 12.17 12.70 12.64 12.15 13.01 14.09 13.52
Net loans and leases to deposits 87.06 71.10 78.56 88.73 89.69 79.25 88.06 99.43 94.64 70.08 89.82
Structural Changes
New charters 128 123 4 0 1 17 37 19 14 8 33
Banks absorbed by mergers 356 159 163 25 9 35 73 97 60 44 47
Failed banks 3 3 0 0 0 1 0 1 0 1 0
PRIOR FULL YEARS (The way it was)
Number of institutions
2000 8,315 4,837 3,081 314 83 664 1,426 1,792 2,144 1,383 906
1998 8,773 5,408 2,973 321 71 693 1,445 1,904 2,265 1,517 949
1996 9,527 6,203 2,926 325 73 743 1,577 2,109 2,401 1,683 1,014
Total assets (in billions)
2000 6,244.6 230.9 773.6 879.4 4,360.7 2,180.8 1,611.9 1,072.4 419.0 302.3 658.2
1998 5,442.5 252.3 726.8 921.8 3,541.6 1,922.4 1,211.5 889.3 376.5 304.7 738.3
1996 4,578.3 280.0 713.5 1,002.4 2,582.5 1,730.7 805.4 716.8 297.2 334.4 693.8
Return on assets (%)
2000 1.19 1.00 1.28 1.28 1.16 1.30 1.05 1.03 1.42 0.97 1.38
1998 1.19 1.13 1.31 1.52 1.08 1.06 1.30 1.25 1.50 1.13 1.11
1996 1.19 1.16 1.28 1.31 1.12 1.10 1.22 1.21 1.43 1.22 1.24
Net charge-offs to loans & leases (%)
2000 0.67 0.41 0.33 0.70 0.75 0.79 0.61 0.40 0.83 0.43 1.00
1998 0.67 0.31 0.40 1.02 0.65 0.91 0.43 0.44 0.74 0.43 0.87
1996 0.58 0.27 0.42 0.89 0.52 0.63 0.45 0.44 0.70 0.35 0.79
Noncurrent assets plus OREO to assets (%)
2000 0.74 0.67 0.61 0.64 0.79 0.74 0.82 0.74 0.61 0.62 0.73
1998 0.65 0.71 0.62 0.71 0.64 0.78 0.55 0.56 0.57 0.59 0.67
1996 0.75 0.77 0.74 0.85 0.71 0.84 0.68 0.57 0.65 0.61 0.88
Equity capital ratio (%)
2000 8.50 11.06 9.59 8.98 8.07 8.00 8.66 7.91 9.49 8.93 9.87
1998 8.49 10.95 9.52 9.46 7.85 7.80 9.10 8.27 8.72 8.83 9.29
1996 8.20 10.54 9.44 8.77 7.38 7.36 8.48 8.43 8.74 8.74 9.22

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