|
Statistics at a Glance
As of December 31, 2001
| Dollar Amounts in
Billions |
Commercial Banks |
Savings Institutions |
Total |
| 4th Qtr 2001 |
4th Qtr 2000 |
4th Qtr 2001 |
4th Qtr 2000 |
4th Qtr 2001 |
| Number of FDIC-Insured |
8,080 |
8,315 |
1,533 |
1,589 |
9,613 |
| Number of FDIC-Supervised |
4,971 |
5,093 |
513 |
523 |
5,484 |
| Total Assets $ |
6,569 |
6,245 |
1,299 |
1,217 |
7,868 |
| Total Loans $ |
3,859 |
3,820 |
871 |
828 |
4,766 |
| Domestic Deposits $ |
3,762 |
3,473 |
798 |
735 |
4,560 |
| Net Income $ |
18.672 |
17.679 |
3.713 |
2.588 |
22.385 |
| Percent Profitable % |
87.2 |
87.8 |
89.8 |
88.3 |
87.6 |
| Average Return on Assets % |
1.13 |
1.15 |
1.16 |
0.86 |
1.14 |
| Assets under $1 Billion % |
1.08 |
1.09 |
0.79 |
0.66 |
1.01 |
| Assets over $1 Billion % |
1.15 |
1.16 |
1.27 |
0.92 |
1.16 |
| Average Return on Equity % |
12.57 |
13.44 |
13.60 |
10.23 |
12.73 |
| Net Interest Margin % |
4.15 |
3.90 |
3.44 |
2.90 |
4.03 |
| Equity to Assets % |
9.09 |
8.49 |
8.44 |
8.47 |
8.99 |
| Noncurrent Loans * % |
1.41 |
1.12 |
0.86 |
0.71 |
1.31 |
| Real Estate Loans % |
0.96 |
0.81 |
0.83 |
0.66 |
0.92 |
| C&I Loans % |
2.40 |
1.66 |
1.96 |
1.57 |
2.38 |
| Consumer Loans % |
1.50 |
1.41 |
0.65 |
0.82 |
1.42 |
| Coverage Ratio ** % |
131.04 |
149.36 |
102.34 |
124.44 |
127.56 |
| Net Charge-Off Rate % |
1.31 |
0.93 |
0.34 |
0.24 |
1.13 |
| Real Estate Loans % |
0.22 |
0.13 |
0.05 |
0.05 |
0.17 |
| C&I Loans % |
2.41 |
1.30 |
1.15 |
1.31 |
2.35 |
| Consumer Loans % |
3.32 |
3.01 |
3.05 |
1.86 |
3.29 |
|
* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
|
| All Insured Institutions |
2001 |
2000 |
1999 |
1998 |
1997 |
| Credit Card Loans |
| Held on Balance Sheet $ |
232 |
266 |
227 |
242 |
243 |
| Securitized and Sold $ |
342 |
306 |
395 |
261 |
193 |
| Unused Commitments $ |
2,908 |
2,537 |
2,129 |
2,042 |
1,677 |
| Total Credit Card Lines $ |
3,482 |
3,108 |
2,751 |
2,544 |
2,112 |
| Credit Card Loss Rate $ |
5.14 |
4.28 |
4.39 |
5.15 |
5.10 |
| No of Personal Bankruptcies |
1,451,575 |
1,217,628 |
1,281,360 |
1,397,695 |
1,349,510 |
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