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Home > News & Events > Quarterly Banking Profile |
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Quarterly Banking Profile |
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| 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 | |||||
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SECOND QUARTER Preliminary |
North- east |
South- east |
Central | Mid- west |
South- west |
West | |||||
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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) |
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 |
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% 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 |
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% 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 |
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Performance Ratios (annualized, %) |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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Efficiency ratio |
57.67 | 68.90 | 62.60 | 55.93 | 56.73 | 59.38 | 55.95 | 57.14 | 56.46 | 62.87 | 55.98 |
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Structural Changes (QTR) |
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New charters |
31 | 29 | 2 | 0 | 0 | 5 | 7 | 7 | 3 | 2 | 7 |
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Banks absorbed by mergers |
89 | 41 | 43 | 4 | 1 | 9 | 14 | 31 | 15 | 12 | 8 |
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Failed banks |
1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
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PRIOR SECOND QUARTERS |
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| 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 |
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Net charge-offs to loans & leases (%) |
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| 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 |
