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Statistics at a Glance

As of March 31, 2004

Dollar Amounts in Billions
First 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 9,116 7,712 1,404 6 1,730 35 4,276 1,028 140 520 1,294 87
Number of FDIC-Supervised 5,291 4,810 481 0 1,192 11 2,512 410 72 287 767 40
Total Assets $ 9,377 7,818 1,559 1,493 128 332 2,898 1,396 506 59 168 2,397
Total Loans $ 5,549 4,489 1,059 573 78 248 1,952 965 392 16 93 1,231
Domestic Deposits $ 5,347 4,400 947 392 106 95 2,042 826 319 44 138 1,385
Net Income (QTR) $ 31.863 27.286 4.577 4.121 0.404 3.305 9.523 3.991 1.927 0.202 0.462 7.927
Percent Profitable (QTR) % 94.5 94.8 92.7 83.3 97.4 91.4 93.8 94.0 95.0 88.3 95.7 97.7
Average Return on Assets (QTR) % 1.38 1.42 1.21 1.12 1.27 3.94 1.33 1.17 1.52 1.38 1.11 1.36
Average Return on Equity (QTR) % 14.86 15.52 11.86 15.15 11.87 23.30 14.12 12.89 17.46 8.37 10.41 14.88
Net Interest Margin (QTR) % 3.68 3.78 3.18 2.87 3.98 9.08 3.92 3.13 4.39 3.04 3.83 3.23
Equity to Assets % 9.45 9.15 10.95 7.41 10.82 17.61 9.51 9.07 8.90 16.59 10.72 9.50
Noncurrent Loan Rate - Total Loans * % 1.02 1.08 0.73 2.10 1.20 1.86 0.83 0.78 1.08 1.05 1.01 0.78
Real Estate Loans % 0.76 0.79 0.70 1.19 1.07 0.36 0.71 0.78 1.24 0.85 0.98 0.55
C&I Loans % 1.88 1.90 1.47 4.10 1.91 1.55 1.32 1.60 1.24 2.07 1.59 1.73
Consumer Loans % 1.36 1.44 0.64 2.59 0.79 2.01 0.60 0.31 0.64 1.14 0.84 0.68
Coverage Ratio ** % 149.61 156.23 107.88 102.25 128.31 273.76 175.25 81.33 110.22 160.11 138.44 179.96
Net Charge-Off Rate - All Loans (QTR) % 0.64 0.72 0.28 1.30 0.12 5.22 0.31 0.12 0.71 0.70 0.24 0.34
Real Estate Loans (QTR) % 0.08 0.10 0.05 0.06 0.03 0.11 0.09 0.04 .17 0.03 0.07 0.09
C&I Loans (QTR) % 0.70 0.68 0.94 1.00 0.24 4.75 0.54 0.52 0.93 1.29 0.40 0.61
Consumer Loans (QTR) % 2.99 3.03 2.58 3.51 0.58 5.62 1.31 1.35 2.23 3.49 1.03 1.31
First Quarter 2003
Number of FDIC-Insured 9,314 7,865 1,449 5 1,800 41 4,100 1,072 172 501 1,524 99
Number of FDIC-Supervised 5,341 4,850 491 0 1,243 12 2,381 408 84 276 900 37
Total Assets $ 8,606 7,197 1,409 1,275 122 289 3,054 1,418 366 59 202 1,820
Total Loans $ 5,126 4,194 932 521 74 213 2,040 927 291 16 114 930
Domestic Deposits $ 5,026 4,126 900 319 101 101 2,146 845 189 44 166 1,115
Net Income (QTR) $ 29.515 25.082 4.433 3.449 0.373 2.639 9.940 5.317 1.393 0.181 0.567 5.656
Percent Profitable (QTR) % 94.1 94.3 93.4 100.0 96.2 95.1 93.3 94.8 97.1 86.0 95.8 97.0
Average Return on Assets (QTR) % 1.39 1.41 1.28 1.08 1.23 3.59 1.32 1.53 1.57 1.23 1.13 1.25
Average Return on Equity (QTR) % 15.07 15.36 13.64 15.10 11.42 22.38 14.08 16.96 18.44 7.56 10.69 13.89
Net Interest Margin (QTR) % 3.80 3.89 3.36 3.20 4.00 8.02 4.00 3.37 4.61 2.96 3.94 3.33
Equity to Assets % 9.20 9.16 9.39 7.20 10.78 16.59 9.36 9.01 8.45 16.06 10.57 8.97
Noncurrent Loan Rate - Total Loans * % 1.31 1.40 0.89 2.54 1.39 1.98 1.14 0.91 0.92 1.62 1.05 1.37
Real Estate Loans % 0.89 0.90 0.86 1.61 1.22 0.53 0.85 0.90 0.51 1.64 0.95 0.90
C&I Loans % 2.76 2.80 1.92 5.03 2.06 1.75 2.09 1.72 2.11 2.89 1.87 3.07
Consumer Loans % 1.35 1.42 0.68 2.13 0.86 2.16 0.71 0.51 1.25 0.72 0.86 0.66
Coverage Ratio ** % 127.77 131.53 101.08 94.60 110.88 252.12 139.56 83.70 130.31 102.87 130.21 129.88
Net Charge-Off Rate - All Loans (QTR) % 0.81 0.92 0.32 1.51 0.15 5.49 0.55 0.18 0.90 .036 0.25 0.61
Real Estate Loans (QTR) % 0.10 0.12 0.05 0.15 0.03 0.15 0.10 0.07 0.16 0.07 0.07 0.14
C&I Loans (QTR) % 1.39 1.39 1.40 1.76 0.32 5.90 1.34 0.94 2.05 1.30 0.53 1.21
Consumer Loans (QTR) % 3.02 3.05 2.74 3.63 0.52 5.95 1.57 1.42 1.78 0.77 0.85 1.62

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans




Last Updated 05/27/2004 Questions, Suggestions & Requests