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Insurance Corporation

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



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Quarterly Banking Profile

TABLE IV-A. Second Quarter 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

SECOND QUARTER 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)

19,163.6 536.9 2,423.4 2,869.2 13,334.1 6,597.3 5,084.4 2,901.2 1,422.6 775.3 2,382.8

% of unprofitable institutions

8.0 11.6 3.1 3.5 1.3 10.4 13.2 6.1 5.6 6.0 10.4

% of institutions with earnings gains

49.4 43.5 56.6 64.2 63.3 59.3 46.5 52.0 46.8 45.7 53.6

Performance Ratios (annualized, %)

Yield on earning assets

7.64 8.12 8.12 8.07 7.43 7.30 7.67 7.52 8.16 7.86 8.44

Cost of funding earning assets

3.74 3.86 3.78 3.70 3.74 3.84 3.70 3.86 3.67 3.46 3.49

Net interest margin

3.90 4.26 4.34 4.37 3.69 3.45 3.97 3.65 4.49 4.40 4.95

Noninterest income to earning assets

2.87 1.17 1.72 2.66 3.23 3.63 2.55 2.03 2.96 1.58 3.11

Noninterest expense to earning assets

4.05 3.77 3.85 4.15 4.08 4.34 3.80 3.41 4.35 3.87 4.68

Credit loss provision to assets

0.56 0.28 0.33 0.71 0.58 0.53 0.44 0.58 0.75 0.29 0.88

Net operating income to assets

1.17 0.94 1.20 1.23 1.17 1.14 1.25 1.00 1.36 1.16 1.29

Return on assets

1.21 0.95 1.24 1.28 1.20 1.18 1.27 1.02 1.39 1.18 1.39

Return on equity

13.88 8.51 12.66 13.60 14.58 14.60 13.99 12.71 14.06 12.21 13.86

Net charge-offs to loans and leases

0.82 0.27 0.37 0.95 0.91 0.97 0.62 0.63 1.02 0.39 1.31

Credit loss provision to net charge-offs

111.50 174.02 135.72 116.62 107.47 107.82 106.85 134.55 106.25 126.08 105.49

Efficiency ratio

57.67 68.90 62.60 55.93 56.73 59.38 55.95 57.14 56.46 62.87 55.98

Structural Changes (QTR)

New charters

31 29 2 0 0 5 7 7 3 2 7

Banks absorbed by mergers

89 41 43 4 1 9 14 31 15 12 8

Failed banks

1 1 0 0 0 0 0 1 0 0 0

PRIOR SECOND QUARTERS
(the way it is)

Return on assets (%)                   2000 0.99 1.20 1.32 1.12 0.89 1.17 0.47 0.92 1.52 1.04 1.51
1998 1.25 1.23 1.37 1.41 1.18 1.15 1.24 1.30 1.48 1.12 1.45
1996 1.27 1.24 1.31 1.37 1.23 1.25 1.30 1.20 1.51 1.21 1.31

Net charge-offs to loans & leases (%)

2000 0.58 0.30 0.33 0.62 0.64 0.74 0.43 0.32 0.80 0.36 0.95
1998 0.62 0.24 0.35 1.04 0.59 0.83 0.43 0.41 0.72 0.42 0.79
1996 0.57 0.23 0.40 0.88 0.51 0.68 0.42 0.41 0.62 0.34 0.74

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

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