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FDIC - Quarterly Banking Profile
TABLE IV-A.Full Year 2007, All FDIC-Insured Institutions
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 8,534 27 5 1,591 4,772 784 109 374 816 56
Commercial banks 7,283 23 5 1,586 4,278 181 84 332 752 42
Savings institutions 1,251 4 0 5 494 603 25 42 64 14
Total assets (in billions) $13,034.1 $479.3 $2,784.3 $157.5 $4,619.0 $1,328.1 $94.9 $37.9 $110.5 $3,422.7
Commercial banks 11,176.1 437.9 2,784.3 157.1 4,158.8 211.2 41.7 29.5 95.4 3,260.2
Savings institutions 1,857.9 41.4 0.0 0.4 460.2 1,116.9 53.1 8.4 15.0 162.4
Total deposits (in billions) 8,415.4 153.6 1,706.1 128.2 3,269.5 737.8 71.7 26.7 90.3 2,231.4
Commercial banks 7,309.8 143.2 1,706.1 127.8 2,966.8 78.6 27.9 21.1 78.5 2,159.9
Savings institutions 1,105.5 10.4 0.0 0.3 302.8 659.2 43.8 5.6 11.8 71.5
Net income (in millions) 100,137 14,974 14,893 1,796 37,035 383 1,178 943 1,108 27,828
Commercial banks 97,773 13,383 14,893 1,792 35,816 1,793 792 622 1,017 27,664
Savings institutions 2,364 1,591 0 4 1,219 -1,410 385 322 90 164
Performance Ratios (%)
Yield on earning assets 6.75 13.19 6.23 7.15 6.88 6.54 7.61 5.48 6.56 6.23
Cost of funding earning assets 3.47 4.63 3.64 3.18 3.29 3.92 3.35 2.45 2.86 3.30
Net interest margin 3.29 8.56 2.59 3.96 3.59 2.62 4.26 3.04 3.70 2.94
Noninterest income to assets 1.89 10.49 1.97 0.68 1.26 0.93 2.53 11.07 1.03 1.88
Noninterest expense to assets 2.98 8.47 2.83 2.69 2.78 2.47 3.54 9.87 3.05 2.74
Loan and lease loss provision to assets 0.56 3.72 0.59 0.18 0.39 0.62 1.03 0.09 0.14 0.34
Net operating income to assets 0.83 3.25 0.57 1.20 0.88 0.06 1.23 2.54 1.01 0.90
Pretax return on assets 1.19 5.24 0.75 1.44 1.23 0.19 1.97 3.85 1.26 1.27
Return on assets 0.81 3.36 0.58 1.20 0.84 0.03 1.26 2.56 1.03 0.88
Return on equity 7.76 14.68 7.44 10.81 7.69 0.31 11.60 12.90 9.06 8.31
Net charge-offs to loans and leases 0.59 3.95 0.76 0.22 0.35 0.40 0.87 0.29 0.22 0.39
Loan and lease loss provision to net charge-offs 156.50 126.17 176.05 118.64 155.82 218.15 144.02 122.69 109.22 161.24
Efficiency ratio 59.49 45.34 66.95 61.99 59.46 61.12 52.87 71.00 68.49 60.54
% of unprofitable institutions 12.00 7.41 0.00 3.21 14.90 14.67 10.09 25.13 4.53 5.36
% of institutions with earnings gains 48.59 55.56 40.00 60.78 46.56 32.14 48.62 44.65 54.41 44.64
Condition Ratios (%)
Earning assets to total assets 86.74 80.85 83.66 91.04 88.46 92.35 91.25 88.20 91.62 85.08
Loss Allowance to:
Loans and leases 1.30 4.16 1.46 1.28 1.24 0.89 1.21 1.33 1.17 0.93
Noncurrent loans and leases 93.07 207.47 105.13 122.51 93.45 47.59 61.56 171.54 124.62 80.25
Noncurrent assets plus other real estate owned to assets 0.94 1.54 0.66 0.83 1.07 1.52 1.64 0.23 0.65 0.68
Equity capital ratio 10.34 21.27 8.01 11.17 11.00 8.38 12.62 20.01 11.46 10.32
Core capital (leverage) ratio 7.97 14.57 6.38 10.31 8.47 7.88 9.86 18.53 11.05 7.43
Tier 1 risk-based capital ratio 10.11 13.12 8.59 13.69 9.72 12.94 11.32 40.92 18.14 9.86
Total risk-based capital ratio 12.78 15.73 12.50 14.74 11.81 14.95 13.11 41.95 19.24 12.78
Net loans and leases to deposits 92.74 229.49 71.46 80.83 98.52 126.69 105.79 33.55 68.77 81.83
Net loans to total assets 59.87 73.56 43.79 65.78 69.74 70.38 79.96 23.66 56.25 53.35
Domestic deposits to total assets 53.04 29.58 26.68 81.38 68.19 55.49 74.62 68.18 81.78 53.35
Structural Changes
New Charters 181 1 0 5 49 5 0 120 1 0
Institutions absorbed by mergers 321 1 0 24 254 12 2 2 7 19
Failed Institutions 3 0 0 0 0 2 0 0 0 1
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2006		 8,680 26 4 1,634 4,713 817 123 411 895 57
2004 8,976 34 5 1,731 4,423 990 132 466 1,120 75
2002 9,354 40 5 1,823 4,070 1,107 196 488 1,525 100
Total assets (in billions)
2006		 $11,861.5 $408.4 $2,337.2 $149.2 $4,904.7 $1,445.0 $109.9 $42.2 $119.6 $2,345.4
2004 10,105.9 383.0 1,881.3 138.7 3,301.4 1,503.6 104.1 52.0 143.3 2,598.4
2002 8,435.7 299.3 1,273.1 123.8 2,960.6 1,342.0 166.5 60.2 197.4 2,013.0
Return on assets (%)
2006		 1.28 4.19 1.01 1.23 1.28 0.94 1.75 1.54 1.04 1.26
2004 1.28 4.03 0.76 1.22 1.29 1.18 1.66 1.68 1.10 1.32
2002 1.30 3.60 0.74 1.24 1.30 1.31 1.35 1.08 1.14 1.32
Net charge-offs to loans & leases (%)
2006		 0.39 3.48 0.48 0.17 0.22 0.15 1.40 0.42 0.20 0.22
2004 0.56 4.66 0.91 0.22 0.30 0.12 1.57 0.59 0.29 0.25
2002 0.97 6.12 1.77 0.29 0.65 0.20 1.07 1.36 0.35 0.81
Noncurrent assets plus OREO to assets (%)
2006		 0.54 1.37 0.40 0.67 0.55 0.56 0.85 0.20 0.56 0.46
2004 0.53 1.50 0.57 0.68 0.51 0.43 0.53 0.31 0.59 0.45
2002 0.90 1.68 1.19 0.85 0.87 0.71 1.28 0.59 0.70 0.75
Equity capital ratio (%)
2006		 10.52 22.88 7.75 10.73 11.16 9.91 14.16 21.12 10.97 9.78
2004 10.28 20.54 8.05 10.78 10.10 10.55 11.36 17.47 10.79 10.23
2002 9.20 15.48 7.14 10.76 9.36 9.07 7.35 17.18 10.62 9.10

* Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive):

Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.
International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices.
Agricultural Banks - Banks whose agricultural production loans plus real estate loans secured by farmland exceed 25 percent of total loans and leases.
Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties exceed 25 percent of total assets.
Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets.
Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets.
Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets.
All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.
All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.

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

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