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| TABLE IV-A. Fourth Quarter 2000, 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 | West | Mid-west | South-west | |||||
| Number of institutions reporting | 8,315 | 4,842 | 3,078 | 313 | 82 | 665 | 1,425 | 1,791 | 2,144 | 1,384 | 906 |
| Total assets (in billions) | $6,238.7 | $231.2 | $773.0 | $884.1 | $4,350.4 | $2,181.0 | $1,610.8 | $1,071.9 | $419.0 | $302.3 | $653.7 |
| Total deposits (in billions) | 4,176.6 | 194.9 | 632.5 | 621.6 | 2,727.6 | 1,371.4 | 1,096.0 | 729.8 | 290.7 | 241.4 | 447.3 |
| Net income (in millions) | 17,821.1 | 453.5 | 2,275.2 | 2,415.7 | 12,676.8 | 7,052.0 | 4,316.4 | 2,512.7 | 1,424.6 | 533.8 | 1,981.5 |
| % of unprofitable institutions | 12.2 | 17.7 | 4.5 | 6.1 | 7.3 | 11.6 | 15.5 | 9.3 | 11.9 | 12.2 | 14.2 |
| % of institutions with earnings gains | 55.8 | 52.3 | 61.0 | 57.5 | 58.5 | 62.1 | 55.2 | 56.1 | 51.0 | 57.2 | 60.7 |
| Performance Ratios (annualized, %) | |||||||||||
| Yield on earning assets | 8.46 | 8.62 | 8.69 | 8.67 | 8.36 | 8.29 | 8.32 | 8.38 | 8.95 | 8.53 | 9.17 |
| Cost of funding earning assets. | 4.56 | 4.15 | 4.25 | 4.43 | 4.67 | 4.75 | 4.45 | 4.72 | 4.48 | 4.09 | 4.21 |
| Net interest margin | 3.90 | 4.47 | 4.44 | 4.24 | 3.69 | 3.54 | 3.86 | 3.65 | 4.47 | 4.44 | 4.97 |
| Noninterest income to earning assets | 2.97 | 1.27 | 1.80 | 2.47 | 3.40 | 4.02 | 2.42 | 1.89 | 2.89 | 1.45 | 3.61 |
| Noninterest expense to earning assets | 4.16 | 4.18 | 3.96 | 4.05 | 4.22 | 4.64 | 3.74 | 3.37 | 4.34 | 3.83 | 5.07 |
| Credit loss provision to assets | 0.62 | 0.35 | 0.41 | 0.72 | 0.65 | 0.48 | 0.56 | 0.62 | 0.69 | 0.92 | 1.05 |
| Net operating income to assets | 1.13 | 0.80 | 1.19 | 1.12 | 1.14 | 1.30 | 1.00 | 0.94 | 1.37 | 0.70 | 1.24 |
| Return on assets | 1.16 | 0.80 | 1.19 | 1.11 | 1.18 | 1.32 | 1.07 | 0.95 | 1.38 | 0.72 | 1.25 |
| Return on equity | 13.57 | 7.17 | 12.50 | 12.31 | 14.54 | 16.31 | 12.55 | 11.82 | 14.53 | 7.96 | 12.42 |
| Net charge-offs to loans and leases | 0.81 | 0.43 | 0.44 | 0.81 | 0.90 | 0.92 | 0.73 | 0.55 | 0.92 | 0.66 | 1.15 |
| Credit loss provision to net charge-offs | 123.91 | 130.29 | 140.89 | 138.47 | 119.32 | 97.80 | 116.69 | 166.66 | 108.88 | 229.48 | 139.01 |
| Efficiency ratio | 58.63 | 71.89 | 62.51 | 58.16 | 57.45 | 59.65 | 57.41 | 59.19 | 57.02 | 63.18 | 56.77 |
| Structural Changes (QTR) | |||||||||||
| New charters | 51 | 51 | 0 | 0 | 0 | 3 | 18 | 7 | 4 | 6 | 13 |
| Banks absorbed by mergers | 109 | 45 | 55 | 8 | 1 | 6 | 23 | 26 | 16 | 22 | 16 |
| Failed banks | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 |
| PRIOR FOURTH QUARTERS | |||||||||||
| (The way it was) | |||||||||||
| Return on assets (%) 1999 | 1.27 | 0.85 | 1.31 | 1.42 | 1.25 | 1.21 | 1.29 | 1.25 | 1.44 | 0.98 | 1.51 |
| 1997 | 1.24 | 0.99 | 1.26 | 1.55 | 1.16 | 1.13 | 1.06 | 1.37 | 1.57 | 1.17 | 1.47 |
| 1995 | 1.12 | 1.05 | 1.20 | 1.27 | 1.04 | 0.96 | 1.18 | 1.09 | 1.42 | 1.22 | 1.35 |
| Net charge-offs to loans & leases (%) | |||||||||||
| 1999 | 0.71 | 0.44 | 0.48 | 0.80 | 0.75 | 0.88 | 0.59 | 0.43 | 0.80 | 0.60 | 0.99 |
| 1997 | 0.69 | 0.44 | 0.47 | 1.21 | 0.60 | 0.81 | 0.54 | 0.54 | 0.83 | 0.51 | 0.84 |
| 1995 | 0.62 | 0.39 | 0.52 | 0.92 | 0.52 | 0.75 | 0.48 | 0.45 | 0.67 | 0.38 | 0.75 |
| Last Updated 03/07/2001 | Questions, Suggestions & Requests |
