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Home > News & Events > Quarterly Banking Profile |
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Quarterly Banking Profile |
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| TABLE IV-A. Third 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 | |||||
|
THIRD
QUARTER Preliminary |
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) | 17,388 | 530 | 2,431 | 2,951 | 11,475 | 6,249 | 3,168 | 3,116 | 1,255 | 810 | 2,790 |
| % of unprofitable institutions | 8.2 | 11.4 | 3.8 | 5.0 | 7.5 | 11.0 | 11.9 | 6.4 | 5.1 | 7.7 | 11.6 |
| % of institutions with earnings gains | 55.1 | 49.8 | 61.4 | 68.4 | 63.8 | 60.3 | 53.4 | 58.8 | 55.1 | 52.0 | 51.6 |
| Performance Ratios (annualized, %) | |||||||||||
| Yield on earning assets | 7.25 | 7.83 | 7.87 | 7.75 | 7.00 | 6.92 | 7.13 | 7.23 | 7.94 | 7.56 | 8.12 |
| Cost of funding earning assets | 3.32 | 3.58 | 3.46 | 3.33 | 3.28 | 3.52 | 3.16 | 3.40 | 3.41 | 3.10 | 2.99 |
| Net interest margin | 3.93 | 4.26 | 4.41 | 4.42 | 3.72 | 3.40 | 3.97 | 3.83 | 4.53 | 4.46 | 5.13 |
| Noninterest income to earning assets | 2.81 | 1.11 | 1.73 | 2.57 | 3.15 | 3.61 | 2.34 | 2.04 | 2.91 | 1.57 | 3.23 |
| Noninterest expense to earning assets | 4.06 | 3.70 | 3.84 | 3.98 | 4.14 | 4.32 | 4.09 | 3.30 | 4.38 | 3.86 | 4.50 |
| Credit loss provision to assets | 0.72 | 0.31 | 0.39 | 0.74 | 0.79 | 0.61 | 0.74 | 0.89 | 0.63 | 0.34 | 0.90 |
| Net operating income to assets | 1.04 | 0.93 | 1.20 | 1.29 | 0.96 | 1.04 | 0.75 | 0.96 | 1.49 | 1.17 | 1.54 |
| Pretax return on assets | 1.64 | 1.25 | 1.76 | 2.04 | 1.56 | 1.68 | 1.20 | 1.46 | 2.20 | 1.66 | 2.54 |
| Return on assets | 1.08 | 0.95 | 1.23 | 1.34 | 1.01 | 1.10 | 0.78 | 1.00 | 1.53 | 1.21 | 1.59 |
| Return on equity | 12.20 | 8.48 | 12.52 | 13.92 | 11.99 | 13.54 | 8.32 | 11.84 | 16.48 | 12.43 | 15.62 |
| Net charge-offs to loans and leases | 0.96 | 0.34 | 0.41 | 0.96 | 1.10 | 1.04 | 0.98 | 0.86 | 0.80 | 0.43 | 1.18 |
| Credit loss provision to net charge-offs | 124.99 | 147.96 | 142.79 | 121.24 | 124.01 | 117.98 | 117.33 | 152.62 | 114.31 | 134.97 | 120.31 |
| Efficiency ratio | 58.44 | 68.44 | 61.73 | 55.12 | 58.17 | 59.72 | 62.57 | 54.71 | 57.92 | 62.46 | 51.91 |
| Structural Changes (QTR) | |||||||||||
| New charters | 30 | 30 | 0 | 0 | 0 | 1 | 11 | 3 | 2 | 3 | 10 |
| Banks absorbed by mergers | 58 | 29 | 23 | 4 | 2 | 8 | 11 | 14 | 11 | 5 | 9 |
| Failed banks | 2 | 1 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 1 | 0 |
| PRIOR THIRD
QUARTERS (The way it was) |
|||||||||||
| Return on assets (%) 2000 |
1.28 | 1.07 | 1.28 | 1.49 | 1.24 | 1.36 | 1.31 | 1.02 | 1.42 | 1.04 | 1.40 |
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1998 |
1.15 | 1.27 | 1.33 | 1.62 | 0.97 | 0.90 | 1.47 | 1.38 | 1.49 | 1.26 | 0.82 |
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1996 |
1.19 | 1.26 | 1.27 | 1.31 | 1.11 | 1.12 | 1.17 | 1.21 | 1.46 | 1.23 | 1.24 |
| Net charge-offs to loans & leases (%) | |||||||||||
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2000 |
0.61 | 0.24 | 0.37 | 0.67 | 0.66 | 0.74 | 0.46 | 0.38 | 0.72 | 0.37 | 1.05 |
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1998 |
0.71 | 0.26 | 0.36 | 1.04 | 0.72 | 0.98 | 0.39 | 0.39 | 0.75 | 0.37 | 1.11 |
|
1996 |
0.56 | 0.25 | 0.39 | 1.03 | 0.42 | 0.59 | 0.44 | 0.45 | 0.68 | 0.34 | 0.77 |
| Last Updated 11/29/2001 | research@fdic.gov |
