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FDIC Banking Review

Table 2.
Mean and Standard Errors for Financial Variables, by State
(Standard Errors in Parentheses)
Variable Recover Merge Remain a Problem Fail
Number of Banks 1,326 228 2,077 116
Capital
Tangible Equity Capital 6.68*** 6.57*** 6.39*** 3.90***
(0.08) (0.20) (0.07) (0.29)
Capital Injections:
From BHC 0.19*** 0.41*** 0.20*** 0.14*
(0.02) (0.06) (0.02) (0.08)
Outside 0.36*** 0.29*** 0.29*** 0.42***
(0.04) (0.09) (0.03) (0.13)
Asset Quality
Past-Due Loans (30 - 89 days) 1.88*** 2.12*** 2.43*** 3.08***
(0.04) (0.10) (0.03) (0.14)
Past-Due Loans (90+ days) 0.59*** 0.65*** 0.92*** 1.17***
(0.04) (0.09) (0.03) (0.13)
Nonaccrual Loans and Leases 2.17*** 2.56*** 2.64*** 3.82***
(0.06) (0.14) (0.05) (0.20)
Other Real Estate Owned 2.00*** 1.88*** 2.60*** 3.19
(0.07) (0.17) (0.06) (0.23)***
Allowance for Loan Loss 1.69*** 1.97*** 1.72*** 2.11***
(0.03) (0.07) (0.02) (0.10)
Management
Efficiency Ratio 88.32*** 94.15*** 94.43*** 115.77***
(0.67) (1.62) (0.54) (2.28)
Earnings
Total Interest Income 8.80*** 8.99*** 9.59*** 10.58***
(0.09) (0.21) (0.07) (0.29)
Total Noninterest income 1.41*** 1.44*** 1.45 ***1.98***
(0.06) (0.15) (0.05) (0.21)
Total Interest Expense 4.47*** 4.51*** 5.27*** 6.51***
(0.06) (0.14) (0.05) (0.20)
Loan-Loss Provision 1.35*** 2.23*** 1.81*** 3.21***
(0.07) (0.16) (0.05) (0.22)
Loan Charge-offs 1.46*** 1.78*** 1.80*** 2.86***
(0.05) (0.12) (0.04) (0.17)
Expenses on Premises 0.68*** 0.75*** 0.77*** 0.96***
(0.01) (0.03) (0.01) (0.04)
Salaries 2.06*** 2.08*** 2.18*** 2.56***
(0.03) (0.08) (0.03) (0.11)
Other noninterest expense 2.23*** 2.54*** 2.43*** 3.29***
(0.05) (0.11) (0.04) (0.16)
Liquidity
Volatile Liabilities 13.26*** 13.62*** 14.96*** 15.04***
(0.27) (0.65) (0.22) (0.91)
Loans + Securities > Five Years 66.13*** 68.11*** 68.71*** 68.04***
(0.31) (0.76) (0.25) (1.06)
Significance at 1%, 5% and 10% levels are indicated by ***, **, and * asterisks, respectively.



Last Updated 1/19/2006 Questions, Suggestions & Requests