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FDIC - Quarterly Banking Profile
TABLE III-A. First Quarter 2008, All FDIC-Insured Institutions
First Quarter
(The way it is...)		 All Insured
Institutions		 Asset Concentration Groups*
Credit Card
Institutions		 International
Banks		 Agricultural
Banks		 Commercial
Lenders		 Mortgage
Lenders		 Consumer
Lenders		 Other
Specialized
< $1 Billion		 All Other
< $1 Billion		 All Other
> $1 Billion
Number of institutions reporting 8,494 26 6 1,550 4,749 807 102 364 838 52
Commercial banks 7,240 23 6 1,545 4,251 195 78 331 770 41
Savings institutions 1,254 3 0 5 498 612 24 33 68 11
Total assets (in billions) $13,369.5 $448.5 $3,085.6 $158.0 $5,271.1 $1,363.3 $66.4 $39.1 $113.0 $2,824.5
Commercial banks 11,494.7 431.0 3,085.6 157.5 4,717.1 212.6 28.6 33.7 96.5 2,732.3
Savings institutions 1,874.7 17.6 0.0 0.4 554.0 1,150.8 37.8 5.5 16.5 92.2
Total deposits (in billions) 8,565.7 155.3 1,868.4 127.8 3,668.2 781.7 54.5 28.9 92.7 1,788.3
Commercial banks 7,433.4 151.0 1,868.4 127.4 3,338.2 83.9 21.9 25.0 79.6 1,737.9
Savings institutions 1,132.4 4.2 0.0 0.4 330.0 697.7 32.6 3.9 13.1 50.4
Net income (in millions) 19,347 5,189 2,600 466 10,197 -720 211 209 284 911
Commercial banks 19,302 5,049 2,600 466 9,324 480 117 141 272 855
Savings institutions 45 140 0 1 873 -1,200 95 68 13 56
Performance Ratios (%)
Yield on earning assets 6.28 12.22 5.74 6.71 6.50 6.25 7.49 5.19 6.29 5.47
Cost of funding earning assets 2.95 3.58 2.91 2.87 2.83 3.52 2.58 2.12 2.68 2.86
Net interest margin 3.33 8.64 2.83 3.84 3.67 2.73 4.90 3.07 3.61 2.61
Noninterest income to assets 1.84 11.06 1.83 0.66 1.58 1.22 2.19 10.29 0.92 1.12
Noninterest expense to assets 2.76 6.29 2.71 2.61 2.88 2.30 3.25 9.68 2.93 2.11
Loan and lease loss provision to assets 1.13 5.14 0.95 0.17 0.85 1.89 1.87 0.11 0.14 0.89
Net operating income to assets 0.57 4.16 0.37 1.17 0.73 -0.26 1.15 2.13 0.97 0.25
Pretax return on assets 0.86 7.18 0.47 1.42 1.15 -0.39 1.97 3.29 1.23 0.21
Return on assets 0.59 4.60 0.35 1.20 0.78 -0.21 1.30 2.18 1.02 0.13
Return on equity 5.72 20.59 4.44 10.66 6.87 -2.57 14.31 10.74 9.00 1.36
Net charge-offs to loans and leases 0.99 4.97 1.13 0.14 0.70 1.15 1.78 0.23 0.17 0.64
Loan and lease loss provision to net charge-offs 189.35 138.90 202.29 184.24 172.68 231.27 121.83 187.06 143.45 262.33
Efficiency ratio 56.73 32.15 64.01 62.03 57.75 60.86 47.23 73.91 68.72 61.82
% of unprofitable institutions 13.92 7.69 16.67 3.42 17.46 16.98 9.80 26.10 5.73 13.46
% of institutions with earnings gains 48.23 53.85 66.67 60.52 42.91 50.06 52.94 43.96 55.25 42.31
Condition Ratios (%)
Earning assets to total assets 85.83 78.88 81.90 91.80 87.79 91.61 94.58 89.48 91.92 83.95
Loss allowance to:
Loans and leases 1.52 4.95 1.75 1.31 1.36 1.31 1.75 1.37 1.19 1.13
Noncurrent loans and leases 88.88 222.70 112.56 103.49 77.12 54.97 209.06 146.56 114.53 90.28
Noncurrent assets plus other real estate owned to assets 1.14 1.61 0.68 0.98 1.41 1.97 0.73 0.28 0.74 0.70
Equity capital ratio 10.18 22.86 7.57 11.22 11.36 8.09 9.01 19.97 11.33 9.61
Core capital (leverage) ratio 7.87 15.33 6.07 10.17 8.82 7.92 8.89 18.01 10.78 6.55
Tier 1 risk-based capital ratio 10.10 14.89 8.49 13.68 10.18 12.98 10.49 39.32 17.66 8.77
Total risk-based capital ratio 12.83 17.65 12.37 14.74 12.42 14.95 12.56 40.31 18.77 11.81
Net loans and leases to deposits 91.61 199.86 65.82 79.75 99.63 123.11 100.60 32.27 67.14 81.73
Net loans to total assets 58.69 69.18 39.86 64.49 69.33 70.59 82.64 23.82 55.10 51.75
Domestic deposits to total assets 52.87 32.42 25.93 80.86 66.25 57.28 80.80 71.01 82.08 54.82
Structural Changes
New Charters 38 0 0 0 10 1 0 27 0 0
Institutions absorbed by mergers 77 0 0 12 52 6 0 1 5 1
Failed Institutions 2 0 0 1 1 0 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2007		 8,649 26 4 1,617 4,719 798 115 403 906 61
2005 8,931 28 5 1,698 4,489 971 134 459 1,079 68
2003 9,313 41 5 1,800 4,100 1,072 172 500 1,524 99
Total assets (in billions)
2007		 $11,982.4 $407.2 $2,435.7 $149.0 $4,757.5 $1,507.4 $99.4 $45.7 $119.5 $2,461.0
2005 10,286.4 363.7 1,875.5 135.1 3,466.7 1,582.0 110.9 54.5 137.0 2,561.0
2003 8,605.7 289.3 1,275.2 121.7 3,054.1 1,418.3 366.0 59.1 201.9 1,820.2
Return on assets (%)
2007		 1.20 3.84 0.93 1.19 1.15 0.91 1.77 2.03 0.99 1.25
2005 1.34 3.22 0.92 1.28 1.32 1.20 1.52 1.52 1.17 1.48
2003 1.39 3.59 1.08 1.23 1.32 1.53 1.57 1.23 1.13 1.25
Net charge-offs to loans & leases (%)
2007		 0.45 3.86 0.57 0.14 0.23 0.21 1.43 0.18 0.17 0.31
2005 0.47 4.39 0.76 0.13 0.22 0.10 1.49 0.22 0.21 0.18
2003 0.81 5.49 1.51 0.15 0.55 0.18 0.90 0.36 0.25 0.61
Noncurrent assets plus OREO to assets (%)
2007		 0.57 1.32 0.41 0.78 0.62 0.67 0.55 0.18 0.59 0.45
2005 0.50 1.26 0.54 0.71 0.49 0.41 0.52 0.30 0.56 0.42
2003 0.86 1.54 1.10 0.97 0.86 0.68 0.81 0.63 0.72 0.76
Equity capital ratio (%)
2007		 10.58 24.50 7.67 10.87 11.33 10.15 10.25 20.27 11.26 9.75
2005 10.26 21.96 8.17 10.78 9.95 10.83 11.10 17.09 10.79 9.97
2003 9.20 16.59 7.20 10.78 9.36 9.01 8.45 16.06 10.57 8.97
* See Table IV-A (page 8) for explanations

Last Updated 05/29/2008 Questions, Suggestions & Requests

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