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Statistics at a Glance

As of June 30, 2004

Dollar Amounts in Billions
Second Quarter 2004
All Insured Institutions Commercial Banks Savings Institutions Asset Concentration Group
International Banks Agricultural Banks Credit Card Lenders Commercial Lenders Mortgage Lenders Consumer Lenders Other Specialized < $1 Billion All Other < $1Billion All Other > $1Billion
Number of FDIC-Insured 9,079 7,691 1,388 6 1,775 36 4,351 995 145 489 1,195 87
Number of FDIC-Supervised 5,278 4,800 478 0 1,215 11 2,553 400 79 272 707 41
Total Assets $ 9,649 8,048 1,600 1,555 136 334 3,031 1,402 161 57 156 2,817
Total Loans $ 5,783 4,672 1,111 614 86 253 2,072 1,005 132 15 87 1,519
Domestic Deposits $ 5,456 4,499 957 404 110 89 2,125 800 80 42 128 1,678
Net Income (QTR) $ 31.184 26.646 4.538 2.582 0.431 3.411 10.178 4.114 0.613 0.183 0.428 9.245
Percent Profitable (QTR) % 94.0 94.3 92.0 83.3 97.0 91.7 93.3 94.3 96.6 83.4 95.6 95.4
Average Return on Assets (QTR) % 1.31 1.34 1.16 0.68 1.27 4.09 1.36 1.21 1.54 1.29 1.10 1.33
Average Return on Equity (QTR) % 13.87 14.64 10.59 9.30 11.92 22.96 14.47 13.76 19.37 7.83 10.44 13.43
Net Interest Margin (QTR) % 3.64 3.72 3.23 2.81 4.05 9.04 3.93 3.18 4.63 2.92 3.84 3.26
Equity to Assets % 9.50 9.22 10.94 7.18 10.52 18.02 9.34 8.65 7.99 16.27 10.38 10.23
Noncurrent Loan Rate - Total Loans * % 0.89 0.96 0.60 1.81 1.09 1.70 0.73 0.73 0.86 0.91 0.95 0.69
Real Estate Loans % 0.67 0.72 0.56 0.96 0.99 0.25 0.65 0.73 1.00 0.80 0.92 0.56
C&I Loans % 1.61 1.62 1.32 3.62 1.79 1.34 1.10 1.37 1.54 1.62 1.55 1.38
Consumer Loans % 1.29 1.37 0.65 2.42 0.78 1.87 0.57 0.50 0.55 0.89 0.79 0.65
Coverage Ratio ** % 163.34 168.38 129.36 113.46 138.30 281.46 193.27 78.18 181.44 179.15 144.88 185.39
Net Charge-Off Rate - All Loans (QTR) % 0.58 0.65 0.25 0.99 0.18 5.11 0.32 0.11 1.15 0.41 0.29 0.31
Real Estate Loans (QTR) % 0.07 0.09 0.03 0.03 0.06 0.09 0.10 0.03 0.07 0.02 0.08 0.07
C&I Loans (QTR) % 0.59 0.56 1.20 0.44 0.47 3.14 0.65 0.58 2.19 0.38 0.51 0.46
Consumer Loans (QTR) % 2.89 2.97 2.17 3.16 0.61 5.67 1.21 1.13 2.12 2.52 1.14 1.56
Second Quarter 2003
Number of FDIC-Insured 9,268 7,833 1,435 6 1,826 37 4,118 1,045 183 524 1,429 100
Number of FDIC-Supervised 5,322 4,834 488 0 1,262 10 2,396 422 91 276 829 36
Total Assets $ 8,923 7,485 1,438 1,429 128 294 3,122 1,408 380 65 195 1,903
Total Loans $ 5,250 4,294 956 567 79 218 2,078 921 309 17 110 952
Domestic Deposits $ 5,167 4,248 919 375 105 101 2,204 832 184 48 160 1,158
Net Income (QTR) $ 30.198 25.492 4.707 3.606 0.399 2.901 10.123 5.172 1.388 0.104 0.523 5.982
Percent Profitable (QTR) % 94.1 94.0 94.7 66.7 96.3 97.3 93.6 95.3 97.8 83.8 95.1 95.0
Average Return on Assets (QTR) % 1.38 1.39 1.32 1.04 1.26 4.01 1.31 1.49 1.49 .065 1.08 1.29
Average Return on Equity (QTR) % 15.08 15.28 14.10 14.44 11.62 23.75 14.02 16.50 17.53 4.23 9.82 14.83
Net Interest Margin (QTR) % 3.73 3.82 3.29 3.01 4.03 8.44 3.98 3.25 4.59 2.80 3.86 3.27
Equity to Assets % 9.09 9.04 9.39 7.08 10.87 17.13 9.40 9.01 8.58 15.34 11.04 8.51
Noncurrent Loan Rate - Total Loans * % 1.23 1.32 0.84 2.39 1.43 1.83 1.06 0.89 0.92 1.02 1.10 1.24
Real Estate Loans % 0.84 0.85 0.81 1.42 1.24 0.48 0.80 0.88 0.56 0.91 1.02 0.78
C&I Loans % 2.66 2.70 1.80 4.82 2.21 1.57 1.93 1.80 1.92 2.03 1.95 3.00
Consumer Loans % 1.30 1.37 0.66 2.25 0.87 1.97 0.67 0.45 1.22 0.76 0.81 0.67
Coverage Ratio ** % 132.54 136.06 107.61 98.61 107.07 264.78 147.91 85.93 128.42 157.58 123.38 134.28
Net Charge-Off Rate - All Loans (QTR) % 0.79 0.90 0.31 1.39 0.25 5.37 0.56 0.18 0.89 0.55 0.31 0.56
Real Estate Loans (QTR) % 0.12 0.15 0.05 0.17 0.08 0.25 0.15 0.06 0.16 0.32 0.08 0.13
C&I Loans (QTR) % 1.34 1.33 1.52 1.53 0.73 5.79 1.31 1.05 2.03 0.60 0.74 1.12
Consumer Loans (QTR) % 3.01 3.06 2.56 3.81 0.65 5.84 1.41 1.35 1.86 1.68 1.01 2.04

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans




Last Updated 08/26/2004 Questions, Suggestions & Requests