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FDIC - Quarterly Banking Profile
TABLE IV-A. Full Year 2007, All FDIC-Insured Institutions
All
Insured
Institutions		 Asset Size Distribution Geographic Regions*
Less
Than $100
Million		 $100 Million
To
$1 Billion		 $1 Billion
To
$10 Billion		 Greater
Than $10
Billion		 New York Atlanta Chicago Kansas
City		 Dallas San
Francisco
Number of institutions reporting 8,534 3,440 4,424 551 119 1,042 1,221 1,763 1,987 1,743 778
Commercial banks 7,283 3,065 3,705 427 86 548 1,076 1,455 1,880 1,618 706
Savings institutions 1,251 375 719 124 33 494 145 308 107 125 72
Total assets (in billions) $13,034.1 $181.9 $1,308.9 $1,422.2 $10,121.2 $2,439.6 $3,329.6 $2,842.5 $977.9 $738.6 $2,705.9
Commercial banks 11,176.1 162.9 1,060.9 1,114.7 8,837.7 1,759.5 3,061.0 2,685.6 935.2 621.1 2,113.7
Savings institutions 1,857.9 19.0 248.0 307.5 1,283.5 680.1 268.6 156.9 42.7 117.5 592.2
Total deposits (in billions) 8,415.4 148.1 1,039.2 1,009.7 6,218.3 1,512.9 2,185.1 1,828.3 691.1 547.1 1,650.9
Commercial banks 7,309.8 133.8 854.1 793.6 5,528.4 1,066.5 2,024.7 1,717.8 661.1 476.6 1,363.2
Savings institutions 1,105.5 14.3 185.1 216.1 690.0 446.4 160.4 110.5 30.0 70.5 287.7
Net income (in millions) 100,137 1,299 12,192 13,103 73,543 17,488 25,236 23,441 13,273 7,083 13,617
Commercial banks 97,773 1,261 10,603 11,182 74,727 16,541 26,289 22,932 13,087 6,242 12,681
Savings institutions 2,364 38 1,589 1,922 -1,185 946 -1,053 509 186 840 935
Performance Ratios (%)
Yield on earning assets 6.75 6.95 7.14 7.06 6.65 6.81 6.56 6.07 7.61 7.14 7.25
Cost of funding earning assets 3.47 2.91 3.29 3.37 3.52 3.45 3.47 3.34 3.26 3.28 3.73
Net interest margin 3.29 4.04 3.86 3.69 3.13 3.36 3.09 2.73 4.34 3.86 3.52
Noninterest income to assets 1.89 1.22 1.13 1.43 2.07 2.17 1.53 2.04 3.36 1.37 1.55
Noninterest expense to assets 2.98 3.78 3.14 2.84 2.97 3.17 2.59 2.76 4.21 3.19 3.02
Loan and lease loss provision to assets 0.56 0.22 0.27 0.45 0.62 0.67 0.38 0.39 0.85 0.33 0.82
Net operating income to assets 0.83 0.73 0.96 1.02 0.79 0.81 0.85 0.86 1.44 1.00 0.54
Pretax return on assets 1.19 0.96 1.29 1.44 1.15 1.19 1.18 1.26 2.09 1.34 0.79
Return on assets 0.81 0.74 0.97 0.96 0.77 0.77 0.81 0.86 1.46 1.01 0.53
Return on equity 7.76 5.30 9.27 8.54 7.50 6.24 7.85 9.59 14.26 9.85 4.89
Net charge-offs to loans and leases 0.59 0.24 0.25 0.42 0.68 0.90 0.33 0.46 0.78 0.30 0.76
Loan and lease loss provision to net charge-offs 156.50 147.94 152.97 152.86 157.15 130.36 184.53 155.08 154.10 165.15 167.28
Efficiency ratio 59.49 76.17 66.14 57.65 58.57 56.89 59.88 61.13 57.71 64.15 59.57
% of unprofitable institutions 12.00 18.37 7.66 6.72 13.45 16.22 18.26 11.57 6.39 8.38 19.92
% of institutions with earnings gains 48.59 49.59 48.92 44.10 28.57 36.66 38.08 46.51 55.01 58.52 47.17
Condition Ratios (%)
Earning assets to total assets 86.74 91.70 91.80 90.51 85.47 86.67 86.11 86.00 86.55 89.91 87.56
Loss Allowance to:
Loans and leases 1.30 1.28 1.18 1.31 1.31 1.52 1.07 1.30 1.39 1.17 1.38
Noncurrent loans and leases 93.07 106.92 96.32 95.20 92.05 121.39 92.01 84.98 81.63 92.68 87.82
Noncurrent assets plus other real estate owned to assets 0.94 0.96 1.07 1.09 0.90 0.76 0.81 0.94 1.37 1.00 1.09
Equity capital ratio 10.34 13.73 10.50 11.35 10.12 12.06 10.30 9.23 9.75 10.22 10.24
Core capital (leverage) ratio 7.97 13.53 9.95 9.42 7.40 8.67 7.06 7.17 8.08 8.87 9.02
Tier 1 risk-based capital ratio 10.11 19.66 13.18 11.94 9.31 11.85 8.93 8.79 9.45 11.12 11.56
Total risk-based capital ratio 12.78 20.69 14.28 13.26 12.39 13.91 11.64 11.72 12.18 12.78 14.63
Net loans and leases to deposits 92.74 76.64 87.97 96.32 93.33 90.83 93.25 84.18 97.15 89.06 102.65
Net loans to total assets 59.87 62.40 69.85 68.39 57.34 56.32 61.19 54.14 68.66 65.98 62.63
Domestic deposits to total assets 53.04 81.40 79.28 70.34 46.70 52.94 58.32 50.45 63.54 73.21 40.04
Structural Changes
New Charters 181 174 5 2 0 22 53 16 12 33 45
Institutions absorbed by mergers 321 114 167 31 9 74 45 77 48 46 31
Failed Institutions 3 2 0 1 0 1 1 1 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2006		 8,680 3,632 4,399 530 119 1,092 1,218 1,826 2,018 1,753 773
2004 8,976 4,093 4,286 480 117 1,129 1,219 1,951 2,094 1,834 749
2002 9,354 4,680 4,118 450 106 1,212 1,237 2,055 2,167 1,901 782
Total assets (in billions)
2006		 $11,861.5 $189.9 $1,290.0 $1,397.5 $8,984.1 $2,215.8 $2,911.4 $2,746.2 $859.8 $652.3 $2,476.1
2004 10,105.9 211.7 1,199.6 1,317.0 7,377.6 2,855.0 2,177.1 2,387.5 768.2 603.1 1,315.1
2002 8,435.7 237.8 1,124.9 1,279.1 5,793.9 2,892.6 1,711.2 1,572.0 440.1 581.5 1,238.3
Return on assets (%)
2006		 1.28 0.92 1.16 1.22 1.31 1.27 1.31 1.10 1.76 1.23 1.29
2004 1.28 1.00 1.19 1.45 1.27 1.37 1.34 0.88 1.55 1.26 1.60
2002 1.30 0.99 1.16 1.44 1.31 1.11 1.32 1.28 1.58 1.41 1.58
Net charge-offs to loans & leases (%)
2006		 0.39 0.18 0.16 0.20 0.47 0.72 0.19 0.28 0.55 0.21 0.43
2004 0.56 0.28 0.27 0.39 0.65 0.88 0.31 0.41 0.74 0.27 0.60
2002 0.97 0.32 0.41 0.69 1.18 1.45 0.71 0.77 1.19 0.44 0.81
Noncurrent assets plus OREO to assets (%)
2006		 0.54 0.73 0.59 0.52 0.53 0.51 0.33 0.57 1.05 0.62 0.56
2004 0.53 0.74 0.56 0.51 0.53 0.58 0.35 0.55 0.81 0.61 0.51
2002 0.90 0.85 0.74 0.69 0.98 1.01 0.78 1.00 0.82 0.81 0.74
Equity capital ratio (%)
2006		 10.52 13.01 10.39 10.97 10.42 12.47 10.05 9.07 10.64 10.42 10.92
2004 10.28 11.82 10.19 10.89 10.15 11.21 8.74 9.36 10.62 10.78 12.10
2002 9.20 11.28 10.06 10.06 8.76 8.85 9.38 8.57 10.34 9.60 9.98

* REGIONS:

Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia
Chicago: Illinois, Indiana, Kentucky, Missouri, Ohio, Wisconsin
Dallas: Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas
Kansas City: Iowa, Kansas, Minnesota, Missouri, North Dakota, Nebraska, South Dakota
New York: Connecticut, District of Columbia, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico, Virgin Islands
San Francisco: Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

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

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