|
Statistics at a Glance
As of December 31, 2002
| Dollar Amounts in
Billions |
Commercial Banks |
Savings Institutions |
Total |
| 4th Qtr 2002 |
4th Qtr 2001 |
4th Qtr 2002 |
4th Qtr 2001 |
4th Qtr 2002 |
| Number of FDIC-Insured |
7,887 |
8,079 |
1,467 |
1,534 |
9,354 |
| Number of FDIC-Supervised |
4,859 |
4,971 |
493 |
513 |
5,352 |
| Total Assets $ |
7,075 |
6,552 |
1,359 |
1,317 |
8,434 |
| Total Loans $ |
4,160 |
3,889 |
897 |
878 |
5,057 |
| Domestic Deposits $ |
4,031 |
3,748 |
879 |
812 |
4,910 |
| Net Income $ |
21.657 |
18,446 |
3.986 |
3.657 |
25.643 |
| Percent Profitable % |
89.3 |
87.2 |
92.0 |
89.8 |
89.7 |
| Average Return on Assets % |
1.24 |
1.12 |
1.18 |
1.13 |
1.23 |
| Assets under $1 Billion % |
1.12 |
1.03 |
0.51 |
0.76 |
0.99 |
| Assets over $1 Billion % |
1.26 |
1.14 |
1.36 |
1.23 |
1.27 |
| Average Return on Equity % |
13.46 |
12.49 |
12.45 |
12.96 |
13.30 |
| Net Interest Margin % |
4.04 |
4.16 |
3.33 |
3.41 |
3.92 |
| Equity to Assets % |
9.16 |
9.06 |
9.47 |
8.60 |
9.21 |
| Noncurrent Loans * % |
1.46 |
1.41 |
0.93 |
0.86 |
1.36 |
| Real Estate Loans % |
0.89 |
0.96 |
0.90 |
0.82 |
0.89 |
| C&I Loans % |
2.92 |
2.41 |
1.99 |
1.92 |
2.88 |
| Consumer Loans % |
1.51 |
1.48 |
0.67 |
0.72 |
1.44 |
| Coverage Ratio ** % |
127.13 |
131.72 |
98.91 |
102.59 |
123.72 |
| Net Charge-Off Rate % |
1.10 |
1.32 |
0.41 |
0.34 |
0.97 |
| Real Estate Loans % |
0.18 |
0.22 |
0.10 |
0.05 |
0.16 |
| C&I Loans % |
1.75 |
2.42 |
2.95 |
1.09 |
1.80 |
| Consumer Loans % |
3.14 |
3.36 |
2.41 |
2.097 |
3.08 |
|
* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
|
| All Insured Institutions |
2002 |
2001 |
2000 |
1999 |
1998 |
| Credit Card Loans |
| Held on Balance Sheet $ |
292 |
250 |
266 |
227 |
242 |
| Securitized and Sold $ |
378 |
339 |
301 |
293 |
259 |
| Unused Commitments $ |
3,361 |
2,885 |
2,539 |
2,129 |
2,042 |
| Total Credit Card Lines $ |
4,031 |
3,474 |
3,106 |
2,649 |
2,543 |
| Credit Card Loss Rate $ |
6.22 |
5.16 |
4.36 |
4.39 |
5.15 |
| No of Personal Bankruptcies |
1,537,730 |
1,451,575 |
1,217,628 |
1,281,360 |
1,397,695 |
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