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Quarterly Banking Profile |
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| TABLE IV-A. Full Year 2000, FDIC-Insured Commercial Banks | |||||||||||
| Asset Size Distribution | Geographic Distribution by Region | ||||||||||
| Less than $100 Million |
$100 Million to $1 Billion |
$1 Billion to $10 Billion |
Greater than $10 Billion |
East | West | ||||||
| All Institutions | North- east |
South- east |
Central | Mid- west |
South- west |
West | |||||
| Number of institutions reporting | 8,315 | 4,841 | 3,079 | 313 | 82 | 665 | 1,425 | 1,792 | 2,144 | 1,384 | 905 |
| Total assets (in billions) | $6,239.1 | $231.2 | $773.4 | $884.1 | $4,350.3 | $2,180.9 | $1,610.7 | $1,072.4 | $419.0 | $302.3 | $653.7 |
| Total deposits (in billions) | 4,176.9 | 194.9 | 632.8 | 621.6 | 2,727.6 | 1,371.4 | 1,096.0 | 730.2 | 290.7 | 241.4 | 447.3 |
| Net income (in millions) | 71,023 | 2,203 | 9,391 | 10,852 | 48,576 | 27,126 | 16,629 | 10,650 | 5,644 | 2,833 | 8,142 |
| % of unprofitable institutions | 7.2 | 10.8 | 1.8 | 4.5 | 7.3 | 10.1 | 12.1 | 5.7 | 3.7 | 6.1 | 10.5 |
| % of institutions with earnings gains | 67.6 | 65.2 | 71.9 | 65.8 | 48.8 | 68.7 | 68.1 | 64.5 | 65.7 | 69.4 | 73.6 |
| Performance Ratios (%) | |||||||||||
| Yield on earning assets | 8.29 | 8.41 | 8.52 | 8.48 | 8.20 | 8.08 | 8.17 | 8.22 | 8.70 | 8.31 | 9.15 |
| Cost of funding earning assets | 4.34 | 3.87 | 4.00 | 4.20 | 4.46 | 4.52 | 4.25 | 4.56 | 4.24 | 3.84 | 3.93 |
| Net interest margin | 3.95 | 4.54 | 4.52 | 4.28 | 3.73 | 3.56 | 3.92 | 3.66 | 4.46 | 4.47 | 5.22 |
| Noninterest income to earning assets | 2.97 | 1.22 | 1.75 | 2.56 | 3.39 | 3.99 | 2.50 | 1.89 | 2.79 | 1.43 | 3.63 |
| Noninterest expense to earning assets | 4.18 | 3.89 | 3.91 | 3.97 | 4.30 | 4.62 | 3.92 | 3.35 | 4.17 | 3.73 | 5.14 |
| Credit loss provision to assets | 0.50 | 0.35 | 0.33 | 0.56 | 0.53 | 0.44 | 0.45 | 0.44 | 0.63 | 0.49 | 0.90 |
| Net operating income to assets | 1.21 | 1.01 | 1.29 | 1.31 | 1.19 | 1.28 | 1.12 | 1.07 | 1.44 | 1.05 | 1.44 |
| Return on assets | 1.19 | 1.00 | 1.28 | 1.28 | 1.16 | 1.30 | 1.05 | 1.03 | 1.42 | 0.97 | 1.38 |
| Return on equity | 14.04 | 9.02 | 13.55 | 14.47 | 14.41 | 16.35 | 12.33 | 12.88 | 15.41 | 10.99 | 13.56 |
| Net charge-offs to loans and leases | 0.67 | 0.41 | 0.33 | 0.70 | 0.75 | 0.79 | 0.61 | 0.40 | 0.83 | 0.43 | 1.01 |
| Credit loss provision to net charge-offs | 121.02 | 142.93 | 152.73 | 126.51 | 116.64 | 104.91 | 111.55 | 163.34 | 112.45 | 189.48 | 133.66 |
| Efficiency ratio | 58.42 | 67.03 | 61.48 | 56.10 | 58.00 | 59.17 | 58.74 | 58.78 | 55.62 | 61.44 | 55.85 |
| Condition Ratios (%) | |||||||||||
| Earning assets to total assets | 86.17 | 91.78 | 91.59 | 89.47 | 84.23 | 83.15 | 86.34 | 89.49 | 89.82 | 89.05 | 86.69 |
| Loss allowance to: | |||||||||||
| Loans and leases | 1.68 | 1.39 | 1.41 | 1.76 | 1.73 | 1.84 | 1.51 | 1.48 | 1.59 | 1.54 | 2.13 |
| Noncurrent loans and leases | 149.32 | 154.06 | 176.70 | 190.58 | 139.13 | 139.49 | 130.72 | 146.06 | 195.13 | 171.80 | 208.53 |
| Noncurrent assets plus | |||||||||||
| other real estate owned to assets. | 0.74 | 0.67 | 0.61 | 0.64 | 0.79 | 0.73 | 0.82 | 0.74 | 0.61 | 0.62 | 0.73 |
| Equity capital ratio | 8.49 | 11.07 | 9.59 | 8.98 | 8.05 | 8.00 | 8.61 | 7.91 | 9.49 | 8.93 | 9.89 |
| Core capital (leverage) ratio | 7.70 | 11.00 | 9.28 | 8.35 | 7.11 | 7.48 | 7.49 | 7.57 | 8.25 | 8.21 | 8.65 |
| Tier 1 risk-based capital ratio | 9.41 | 16.33 | 12.91 | 11.00 | 8.30 | 9.53 | 8.89 | 8.81 | 10.45 | 11.42 | 10.00 |
| Total risk-based capital ratio | 12.13 | 17.43 | 14.07 | 12.80 | 11.49 | 12.47 | 11.64 | 11.65 | 12.60 | 13.27 | 12.39 |
| Net loans and leases to deposits | 89.84 | 71.86 | 78.64 | 88.63 | 93.99 | 81.51 | 95.07 | 98.24 | 96.83 | 74.41 | 92.58 |
| Structural Changes | |||||||||||
| New charters | 192 | 189 | 2 | 1 | 0 | 18 | 67 | 35 | 23 | 13 | 36 |
| Banks absorbed by mergers | 453 | 193 | 207 | 47 | 6 | 35 | 108 | 104 | 99 | 59 | 48 |
| Failed banks | 6 | 5 | 1 | 0 | 0 | 0 | 1 | 1 | 2 | 0 | 2 |
| PRIOR FULL YEARS | |||||||||||
| (The way it was) | |||||||||||
Number of institutions 1999 |
8,581 | 5,156 | 3,031 | 318 | 76 | 678 | 1,450 | 1,859 | 2,205 | 1,456 | 933 |
| 1997 | 9,142 | 5,853 | 2,922 | 301 | 66 | 714 | 1,525 | 1,998 | 2,329 | 1,600 | 976 |
| 1995 | 9,940 | 6,658 | 2,861 | 346 | 75 | 794 | 1,659 | 2,178 | 2,487 | 1,773 | 1,049 |
Total assets (in billions) 1999 |
$5,735.2 | $242.4 | $755.1 | $915.2 | $3,822.5 | $2,009.6 | $1,531.6 | $952.5 | $389.6 | $314.2 | $537.7 |
| 1997 | 5,014.9 | 267.8 | 727.7 | 902.7 | 3,116.7 | 1,893.9 | 946.9 | 804.8 | 335.0 | 355.9 | 678.4 |
| 1995 | 4,312.7 | 297.9 | 696.7 | 1,052.8 | 2,265.2 | 1,625.6 | 737.7 | 695.2 | 287.5 | 326.4 | 640.3 |
Return on assets (%) 1999 |
1.31 | 1.01 | 1.34 | 1.48 | 1.28 | 1.24 | 1.29 | 1.28 | 1.48 | 1.15 | 1.63 |
| 1997 | 1.23 | 1.18 | 1.33 | 1.36 | 1.18 | 1.14 | 1.23 | 1.29 | 1.43 | 1.22 | 1.35 |
| 1995 | 1.17 | 1.18 | 1.24 | 1.27 | 1.10 | 1.02 | 1.19 | 1.15 | 1.50 | 1.20 | 1.41 |
Net charge-offs to loans & leases (%) |
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| FHLB Advances | 0.61 | 0.37 | 0.36 | 0.68 | 0.66 | 0.79 | 0.45 | 0.37 | 0.76 | 0.47 | 0.95 |
| 1997 | 0.64 | 0.28 | 0.36 | 1.08 | 0.58 | 0.73 | 0.46 | 0.50 | 0.82 | 0.38 | 0.83 |
| 1995 | 0.49 | 0.24 | 0.37 | 0.69 | 0.46 | 0.64 | 0.32 | 0.31 | 0.54 | 0.24 | 0.62 |
Noncurrent assets plus |
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OREO to assets (%) 1999 |
0.63 | 0.66 | 0.58 | 0.58 | 0.66 | 0.72 | 0.58 | 0.55 | 0.60 | 0.61 | 0.67 |
| 1997 | 0.66 | 0.71 | 0.65 | 0.77 | 0.63 | 0.73 | 0.59 | 0.58 | 0.69 | 0.52 | 0.72 |
| 1995 | 0.85 | 0.78 | 0.80 | 0.82 | 0.89 | 1.03 | 0.64 | 0.63 | 0.64 | 0.62 | 1.09 |
Equity capital ratio (%) 1999 |
8.37 | 10.68 | 9.24 | 9.09 | 7.87 | 7.71 | 8.60 | 8.02 | 8.84 | 8.53 | 10.29 |
| 1997 | 8.33 | 10.81 | 9.62 | 9.16 | 7.58 | 7.33 | 8.87 | 8.35 | 9.06 | 8.65 | 9.82 |
| 1995 | 8.11 | 10.42 | 9.39 | 8.57 | 7.19 | 7.61 | 8.23 | 8.30 | 8.70 | 8.52 | 8.53 |
| Last Updated 06/07/2001 | Questions, Suggestions & Requests |
