FDIC: Quarterly Banking Profile


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Quarterly Banking Profile

TABLE III-A. First Three Quarters 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
FIRST THREE QUARTERS Preliminary (The way it is)	All Institutions	Less than $100 Million	$100 Million to $1 Billion	$1 Billion to $10 Billion	Greater than $10 Billion	North- east	South- east	Central	Mid- west	South- west	West
Number of institutions reporting	8,147	4,598	3,149	320	80	648	1,411	1,738	2,106	1,351	893
Total assets (in billions)	$6,553.5	$225.8	$802.6	$896.5	$4,628.6	$2,341.0	$1,647.8	$1,251.0	$335.6	$269.9	$708.2
Total deposits (in billions)	4,293.6	190.4	654.9	610.3	2,838.0	1,444.4	1,086.7	817.4	239.4	219.7	485.9
Net income (in millions)	55,879	1,564	7,129	8,691	38,496	19,414	12,452	9,520	3,531	2,337	8,625
% of unprofitable institutions	7.5	11.2	2.7	3.1	1.3	10.2	12.1	6.2	4.5	5.4	11.5
% of institutions with earnings gains	53.3	46.7	61.1	69.7	60.0	63.4	51.3	56.8	50.2	48.2	57.1
Performance ratios (annualized, %)
Yield on earning assets	7.58	8.05	8.12	8.10	7.35	7.35	7.33	7.58	8.12	7.86	8.53
Cost of funding earning assets	3.74	3.80	3.76	3.75	3.73	3.94	3.53	3.84	3.80	3.46	3.48
Net interest margin	3.85	4.25	4.36	4.35	3.62	3.42	3.79	3.74	4.32	4.40	5.04
Noninterest income to earning assets	2.86	1.11	1.67	2.60	3.23	3.69	2.36	2.02	2.85	1.56	3.47
Noninterest expense to earning assets	4.02	3.71	3.81	4.03	4.08	4.39	3.76	3.35	4.35	3.86	4.62
Loan and lease loss provision to assets	0.59	0.27	0.33	0.67	0.63	0.54	0.50	0.69	0.54	0.30	0.89
Net operating income to assets	1.14	0.94	1.19	1.27	1.11	1.12	1.01	0.99	1.39	1.15	1.62
Pretax return on assets	1.77	1.26	1.74	2.01	1.76	1.77	1.58	1.52	2.07	1.64	2.59
Return on assets	1.17	0.96	1.23	1.32	1.14	1.16	1.03	1.04	1.43	1.18	1.68
Return on equity	13.44	8.50	12.60	14.10	13.80	14.35	11.29	12.37	15.78	12.29	16.69
Net charge-offs to loans and leases	0.83	0.27	0.35	0.90	0.93	0.96	0.69	0.76	0.69	0.39	1.20
Loan and lease loss provision to net charge-offs	117.45	163.28	144.22	117.86	114.77	111.98	111.39	133.80	116.50	133.56	115.87
Efficiency ratio	58.05	68.82	62.41	55.73	57.37	59.87	58.86	56.02	59.60	63.01	52.44
Condition Ratios (%)
Earning assets to total assets	85.20	91.81	91.59	89.77	82.89	81.82	84.74	88.42	90.82	89.82	87.35
Loss allowance to:
Loans and leases	1.77	1.40	1.42	1.91	1.82	1.90	1.58	1.69	1.64	1.43	2.18
Noncurrent loans and leases	131.68	125.02	147.53	171.06	123.47	119.02	128.60	125.24	170.03	132.71	179.54
Noncurrent assets plus
other real estate owned to assets	0.85	0.82	0.74	0.77	0.89	0.82	0.85	0.97	0.73	0.74	0.84
Equity capital ratio	8.93	11.25	9.87	9.73	8.50	8.07	9.58	8.61	9.23	9.83	10.31
Core capital (leverage) ratio	7.81	10.86	9.27	8.68	7.22	7.41	7.81	7.56	8.53	8.67	8.85
Tier 1 risk-based capital ratio	9.41	15.93	12.56	11.43	8.32	9.54	9.25	8.65	11.79	12.65	8.89
Total risk-based capital ratio	12.10	17.02	13.69	13.36	11.45	12.37	12.11	11.68	13.32	14.18	11.14
Net loans and leases to deposits	88.32	72.32	78.86	91.01	91.00	77.88	94.50	100.88	93.58	71.04	89.60
Structural Changes (YTD)
New Charters	92	89	3	0	0	10	24	17	11	6	24
Banks absorbed by mergers	250	110	115	19	6	28	42	78	42	31	29
Failed banks	3	3	0	0	0	1	0	1	0	1	0
PRIOR FIRST THREE QUARTERS (The way it was)
Number of institutions 2000	8,375	4,922	3,069	302	82	668	1,429	1,809	2,151	1,405	913
1998	8,909	5,579	2,947	319	64	697	1,467	1,940	2,295	1,549	961
1996	9,586	6,334	2,854	330	68	752	1,587	2,122	2,425	1,687	1,013
Total assets (in billions) 2000	$6,067.2	$233.2	$770.8	$871.0	$4,192.2	$2,092.4	$1,611.1	$1,042.3	$406.5	$294.1	$620.8
1998	5,267.8	257.4	730.9	955.3	3,324.2	1,916.5	1,148.6	835.2	363.0	301.5	703.0
1996	4,458.5	285.1	694.2	1,035.0	2,444.2	1,687.5	776.3	704.8	289.4	327.9	672.6
Return on assets (%) 2000	1.20	1.14	1.30	1.36	1.16	1.30	1.05	1.06	1.44	1.07	1.44
1998	1.22	1.24	1.35	1.58	1.08	1.08	1.29	1.32	1.49	1.20	1.22
1996	1.19	1.23	1.29	1.31	1.10	1.08	1.21	1.19	1.44	1.23	1.28
Net charge-offs to loans & leases (%)
2000	0.59	0.24	0.34	0.62	0.64	0.74	0.43	0.35	0.79	0.35	0.95
1998	0.65	0.25	0.33	1.02	0.64	0.90	0.40	0.39	0.72	0.38	0.89
1996	0.56	0.21	0.37	0.99	0.44	0.62	0.43	0.42	0.65	0.31	0.79
Noncurrent assets plus OREO to assets (%) 2000	0.70	0.70	0.61	0.61	0.73	0.73	0.70	0.67	0.60	0.66	0.70
1998	0.65	0.76	0.65	0.74	0.61	0.74	0.55	0.59	0.65	0.59	0.65
1996	0.80	0.82	0.81	0.89	0.76	0.92	0.67	0.63	0.68	0.65	0.95
Equity capital ratio (%) 2000	8.59	11.07	9.44	8.98	8.22	8.20	8.46	8.14	9.51	9.07	10.19
1998	8.68	11.17	9.80	9.83	7.91	7.64	9.36	8.81	9.11	9.36	9.73
1996	8.31	10.57	9.45	8.96	7.44	7.39	8.52	8.62	8.86	8.89	9.53
REGIONS: Northeast - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico, Rhode Island, Vermont, US 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 11/29/2001

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Each depositor insured to at least $250,000 per insured bank