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Home > News & Events > Quarterly Banking Profile |
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Quarterly Banking Profile |
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| 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 | |||||
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FIRST
HALF Preliminary |
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 |
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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 |
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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 |
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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 |
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% 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 |
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% 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 |
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Performance ratios (annualized, %) | |||||||||||
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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Efficiency ratio |
57.80 | 68.87 | 62.56 | 56.19 | 56.88 | 60.00 | 56.68 | 57.45 | 58.06 | 63.28 | 52.69 |
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Condition Ratios (%) | |||||||||||
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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 |
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Loss allowance to: | |||||||||||
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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 |
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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 |
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Noncurrent assets plus | |||||||||||
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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Structural Changes (YTD) | |||||||||||
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New Charters |
64 | 61 | 3 | 0 | 0 | 10 | 14 | 14 | 9 | 3 | 14 |
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Banks absorbed by mergers |
193 | 82 | 92 | 15 | 4 | 20 | 32 | 64 | 31 | 26 | 20 |
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Failed banks |
2 | 2 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 |
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PRIOR FIRST HALVES | |||||||||||
| 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 |
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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 |
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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 |
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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 |
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Noncurrent assets plus | |||||||||||
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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 |
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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 |
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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 |
