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Quarterly Banking Profile

TABLE III-A. First Half 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

FIRST HALF Preliminary
(The way it is...)

North-
east
South-
east
Central  Mid-
west
South-
west
West
Number of institutions reporting 8,178 4,685 3,101 313 79 654 1,412 1,744 2,118 1,356 894

Total assets (in billions)

$6,360.2 $228.0 $789.8 $899.6 $4,442.8 $2,233.9 $1,612.4 $1,144.2 $406.9 $264.2 $698.6

Total deposits (in billions)

4,244.7 192.5 644.4 624.2 2,783.7 1,403.1 1,093.9 756.3 291.0 216.3 484.1

Net income (in millions)

38,980 1,091 4,814 5,925 27,150 13,187 9,733 5,949 2,733" 1,534 5,844

% of unprofitable institutions.

7.1 10.7 2.4 2.6 0.0 10.6 11.6 6.0 4.1 5.0 10.0

% of institutions with earnings gains

51.1 45.3 58.3 65.5 62.0 59.3 49.1 53.6 46.9 48.2 58.3

Performance ratios (annualized, %)

Yield on earning assets

7.86 8.21 8.25 8.27 7.67 7.60 7.77 7.73 8.33 8.04 8.72

Cost of funding earning assets

4.00 3.95 3.92 3.93 4.03 4.16 3.89 4.11 3.93 3.65 3.73

Net interest margin

3.86 4.26 4.33 4.35 3.64 3.44 3.88 3.62 4.40 4.39 4.98

Noninterest income to earning assets

2.92 1.15 1.71 2.61 3.31 3.75 2.47 1.94 2.87 1.57 3.59

Noninterest expense to earning assets

4.05 3.76 3.83 4.08 4.10 4.45 3.74 3.31 4.36 3.88 4.68

Loan and lease loss provision to assets

0.53 0.25 0.30 0.63 0.57 0.51 0.42 0.52 0.72 0.28 0.88

Net operating income to assets

1.20 0.96 1.21 1.27 1.20 1.16 1.19 1.02 1.28 1.14 1.65

Return on assets

1.24 0.98 1.24 1.32 1.23 1.19 1.21 1.05 1.32 1.18 1.73

Return on equity

14.31 8.75 12.75 14.29 15.02 14.75 13.59 13.22 13.58 12.28 17.33

Net charge-offs to loans and leases

0.78 0.24 0.33 0.84 0.88 0.92 0.59 0.60 0.94 0.36 1.21

Loan and lease loss provision to net charge-offs

112.74 176.20 142.09 116.78 108.89 108.28 107.63 127.57 110.90 132.48 113.55

Efficiency ratio

57.80 68.87 62.56 56.19 56.88 60.00 56.68 57.45 58.06 63.28 52.69

Condition Ratios (%)

Earning assets to total assets

86.13 91.79 91.45 89.52 84.21 83.18 86.40 88.89 89.60 89.87 87.01

Loss allowance to:

  Loans and leases

1.70 1.39 1.42 1.88 1.74 1.86 1.52 1.58 1.60 1.41 2.13

  Noncurrent loans and leases

134.71 128.77 157.43 178.22 124.83 122.77 124.40 130.71 165.15 138.15 194.25

Noncurrent assets plus

  other real estate owned to assets

0.82 0.79 0.69 0.73 0.87 0.81 0.88 0.86 0.75 0.70 0.76

Equity capital ratio

8.76 11.14 9.80 9.50 8.31 8.16 9.13 8.10 9.84 9.69 9.99

Core capital (leverage) ratio

7.73 10.87 9.35 8.45 7.14 7.33 7.72 7.56 8.34 8.60 8.66

Tier 1 risk-based capital ratio

9.68 16.04 13.03 11.30 8.59 9.64 9.26 8.93 10.75 12.63 10.50

Total risk-based capital ratio

12.41 17.14 14.19 13.17 11.80 12.54 12.05 11.87 12.89 14.08 13.06

Net loans and leases to deposits

89.37 72.42 79.01 90.30 92.72 79.51 96.05 100.18 97.89 71.06 88.99

Structural Changes (YTD)

New Charters

64 61 3 0 0 10 14 14 9 3 14

Banks absorbed by mergers

193 82 92 15 4 20 32 64 31 26 20

Failed banks

2 2 0 0 0 1 0 1 0 0 0

PRIOR FIRST HALVES
(The way it was)

Number of institutions                              2000 8,477 5,037 3,059 299 82 670 1,435 1,834 2,180 1,429 929
 1998 8,982 5,645 2,963 310 64 704 1,474 1,961 2,306 1,570 967
 1996 9,690 6,470 2,816 331 73 765 1,592 2,137 2,454 1,722 1,020

Total assets (in billions)                            2000

$5,983.5 $237.2 $766.7 $863.5 $4,116.0 $2,042.8 $1,605.3 $1,012.3 $417.4 $317.1 $588.6
 1998 5,181.4 259.0 734.0 927.7 3,260.7 1,907.1 1,102.8 845.2 338.9 302.6 684.8
 1996 4,397.0 290.2 681.0 1,001.3 2,424.5 1,667.1 767.7 697.2 284.0 325.9 655.1

Return on assets (%)                               2000

1.16 1.19 1.30 1.29 1.11 1.28 0.91 1.06 1.45 1.08 1.48
 1998 1.25 1.24 1.37 1.56 1.14 1.16 1.21 1.31 1.48 1.17 1.43
 1996 1.18 1.22 1.29 1.30 1.10 1.06 1.24 1.19 1.44 1.23 1.30

Net charge-offs to loans & leases (%)

 2000 0.57 0.24 0.32 0.60 0.64 0.75 0.41 0.33 0.81 0.35 0.90
 1998 0.62 0.21 0.33 1.02 0.60 0.86 0.40 0.39 0.72 0.39 0.78
 1996 0.56 0.19 0.37 0.82 0.53 0.67 0.42 0.40 0.63 0.29 0.71

Noncurrent assets plus

OREO to assets (%)                                 2000

0.67 0.69 0.59 0.58 0.70 0.73 0.64 0.62 0.58 0.65 0.68
 1998 0.65 0.77 0.65 0.73 0.62 0.74 0.57 0.56 0.64 0.59 0.69
 1996 0.82 0.84 0.80 0.84 0.81 0.95 0.65 0.63 0.70 0.64 1.00

Equity capital ratio (%)                              2000

8.41 10.94 9.30 8.62 8.06 8.01 8.26 7.97 9.27 8.75 10.22
 1998 8.60 10.99 9.71 9.76 7.84 7.49 9.42 8.58 9.20 9.16 9.88
 1996 8.30 10.42 9.41 9.02 7.43 7.45 8.45 8.50 8.89 8.82 9.56

REGIONS: Northeast - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico, Rhode Island, Vermont, U.S. Virgin Islands

Southeast - Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia

Central - Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin

Midwest - Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota

Southwest - Arkansas, Louisiana, New Mexico, Oklahoma, Texas

West - Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

Last Updated 09/05/2001 Questions, Suggestions & Requests

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