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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank


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Table 1. Summary Statistics in Level (as a percentage unless indicated otherwise)
Variable Name
(1)
Full Set of Data
(2)
In 1989
(3)
In 2000
(4)
Obs Mean (Std. Dev.) Obs Mean (Std. Dev.) Obs Mean (Std. Dev.)
Uninsured deposit 1/ 20630 94,747
(633,882)
1846
91,110
(655,872)
830 153,909
(1,061,837)
Total deposits 1/ 20630 478,418
(4,281,228)
1846 409,267
(2,728,150)
830 809,934
(9,181,614)
Dependent Variable  
UninsDep 20630 14.91
(13.98)
1846 13.75
(13.74)
830 19.16
(15.17)
Price Factors  
UninsIntMarg 20030 1.59
(1.55)
1761 2.21
(1.57)
826 1.74
(0.93)
JumboIntMarg 20030 -0.01
(1.48)
1761 -0.04
(1.41)
826 0.03
(0.91)
DepIntMarg 20601 -0.33
(0.83)
1843 -0.44
(0.92)
829 -0.19
(0.77)
Bank Specific Variables  
Assets 1/ 20630 725,633
(6496123)
1846 666,980
(4882174)
830 1,088,684
(11,900,000)
Size 20630 12.49
(0.86)
1846 12.44
(0.89)
830 12.69
(0.86)
AssetGrowth 18768 8.64
(54.54)
1839 6.34
(12.56)
830 7.59
(12.70)
Equity 20630 9.02
(3.31)
1846 8.20
(2.48)
830 10.46
(4.37)
RoA 20630 1.11
(1.06)
1846 1.08
(0.74)
830 1.30
(0.82)
Loans 20630 59.26
(15.13)
1846 60.81
(15.00)>
830 62.67
(14.97)
ResidLoans 20621 34.70
(22.67)
1845 31.17
(21.25)>
829 40.28
(24.98)
NonCLoans 20375 1.70
(2.21)
1763 1.87
(2.07)
829 0.76
(1.08)
Macroeconomic Variables  
GDP 20630 3.03
(1.46)
1846 3.55
(0.00)
830 5.09
(0.00)
Infl 20630 2.70
(0.82)
1846 3.96
(0.00)
830 2.23
(0.00)
Treas1 20630 6.11
(1.44)
1846 8.44
(0.00)
830 6.17
(0.00)

1/ In thousands of 1996 U.S. dollars.

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