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Quarterly Banking Profile

TABLE IV-A. Fourth 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

Fourth Quarter Preliminary
(The way it is)

North-
east
South-
east
Central  Mid-
west
South-
west
West
Number of institutions reporting 8,080 4,487 3,193 320 80 651 1,392 1,721 2,094 1,342 880
Total assets (in billions) $6,570.0 $221.7 $819.3 $915.4 $4,613.6 $2,259.5 $1,634.0 $1,322.3 $363.2 $276.7 $714.4
Total deposits (in billions) 4,392.1 187.8 668.3 625.0 2,910.9 1,432.7 1,127.4 861.1 253.9 226.1 491.0
Net income (in millions) 18,964 419 2,352 3,035 13,158 4,60.0 5,812 3,357 1,464 772 2,959
% of unprofitable institutions 12.7 18.0 5.8 7.5 12.5 12.7 14.5 9.2 11.7 13.9 17.4
% of institutions with earnings gains 58.5 53.7 64.5 66.3 53.8 61.8 59.5 61.7 58.9 53.4 55.0
Performance Ratios (annualized, %)
Yield on earning assets 6.62 7.36 7.37 7.00 6.35 5.98 6.81 6.53 7.94 6.97 7.50
Cost of funding earning assets 2.46 3.09 2.93 2.64 2.31 2.30 2.64 2.59 2.79 2.51 2.15
Net interest margin 4.15 4.26 4.44 4.36 4.04 3.68 4.16 3.94 5.14 4.46 5.35
Noninterest income to earning assets 2.92 1.20 1.85 2.76 3.24 3.72 2.71 2.12 2.98 1.63 2.88
Noninterest expense to earning assets 4.11 3.98 4.02 4.08 4.14 4.36 4.18 3.43 4.39 4.02 4.35
Credit loss provision to assets 0.92 0.39 0.49 0.67 1.07 1.31 0.53 0.85 0.98 0.39 0.90
Net operating income to assets 1.10 0.73 1.13 1.30 1.07 0.77 1.31 1.02 1.65 1.02 1.61
Pretax return on assets 1.67 1.01 1.63 2.12 1.62 1.23 1.90 1.46 2.44 1.63 2.62
Return on assets 1.15 0.77 1.16 1.34 1.13 0.80 1.42 1.02 1.68 1.13 1.69
Return on equity 12.76 6.90 11.89 13.73 13.07 9.49 14.67 12.04 18.47 11.73 16.31
Net charge-offs to loans and leases 1.31 0.52 0.58 1.47 1.46 1.96 0.92 0.95 1.36 0.61 1.46
Credit loss provision to net charge-offs 119.33 123.00 129.32 72.96 128.34 133.38 91.53 135.85 106.51 109.79 97.55
Efficiency ratio 56.13 72.46 62.89 55.42 54.53 57.16 58.11 54.52 53.20 64.37 50.85
Structural Changes (QTR)
New charters 42 39 2 0 1 9 15 2 4 2 10
Banks absorbed by mergers 106 49 48 6 3 8 31 19 17 13 18
Failed banks 0 0 0 0 0 0 0 0 0 0 0
PRIOR FOURTH QUARTERS
(The way it was)
Return on assets (%)
2000 1.15 0.76 1.18 1.07 1.18 1.32 1.05 0.95 1.38 0.70 1.23
1998 1.10 0.83 1.20 1.35 1.04 1.01 1.36 1.09 1.46 0.99 0.80
1996 1.21 0.97 1.28 1.42 1.14 1.17 1.26 1.28 1.39 1.20 1.12
Net charge-offs to loans & leases (%)
2000 0.93 0.45 0.46 0.90 1.05 0.92 1.16 0.55 0.92 0.66 1.15
1998 0.73 0.48 0.56 1.11 0.67 0.95 0.52 0.57 0.81 0.56 0.81
1996 0.64 0.42 0.56 1.01 0.52 0.67 0.53 0.53 0.84 0.48 0.79

Last Updated 02/28/2002 Questions, Suggestions & Requests

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