|
Statistics at a Glance
As of September 30, 2002
| Dollar Amounts in
Billions |
Commercial Banks |
Savings Institutions |
Total |
| 3rd Qtr 2002 |
3rd Qtr 2001 |
3rd Qtr 2002 |
3rd Qtr 2001 |
3rd Qtr 2002 |
| Number of FDIC-Insured |
7,933 |
8,149 |
1,482 |
1,553 |
9,415 |
| Number of FDIC-Supervised |
4,894 |
4,997 |
499 |
515 |
5,393 |
| Total Assets $ |
6,933 |
6,556 |
1,339 |
1,289 |
8,272 |
| Total Loans $ |
4,069 |
3,861 |
885 |
871 |
4,954 |
| Domestic Deposits $ |
3,928 |
3,613 |
851 |
790 |
4,779 |
| Net Income $ |
23.344 |
17,365 |
3.971 |
3.460 |
27.315 |
| Percent Profitable % |
93.9 |
92.5 |
93.3 |
90.6 |
93.6 |
| Average Return on Assets % |
1.37 |
1.08 |
1.20 |
1.08 |
1.34 |
| Assets under $1 Billion % |
1.29 |
1.16 |
0.93 |
0.84 |
1.21 |
| Assets over $1 Billion % |
1.38 |
1.06 |
1.28 |
1.15 |
1.37 |
| Average Return on Equity % |
14.84 |
12.17 |
12.89 |
12.62 |
14.52 |
| Net Interest Margin % |
4.08 |
3.93 |
3.41 |
3.27 |
3.96 |
| Equity to Assets % |
9.22 |
8.93 |
9.27 |
8.68 |
9.22 |
| Noncurrent Loans * % |
1.50 |
1.34 |
0.87 |
0.82 |
1.39 |
| Real Estate Loans % |
0.93 |
0.92 |
0.82 |
0.78 |
0.90 |
| C&I Loans % |
3.01 |
2.18 |
2.28 |
1.68 |
2.96 |
| Consumer Loans % |
1.45 |
1.42 |
0.63 |
0.79 |
1.38 |
| Coverage Ratio ** % |
123.43 |
131.96 |
108.10 |
109.84 |
121.59 |
| Net Charge-Off Rate % |
1.15 |
0.96 |
0.28 |
0.27 |
0.99 |
| Real Estate Loans % |
0.15 |
0.30 |
0.05 |
0.06 |
0.12 |
| C&I Loans % |
2.04 |
1.30 |
1.34 |
1.41 |
2.00 |
| Consumer Loans % |
3.23 |
2.71 |
2.24 |
2.09 |
3.14 |
|
* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
|
| All Insured Institutions |
3rd Qtr 2002 YTD |
2001 |
2000 |
1999 |
1998 |
| Credit Card Loans |
| Held on Balance Sheet $ |
268 |
233 |
249 |
227 |
242 |
| Securitized and Sold $ |
361 |
338 |
299 |
293 |
259 |
| Unused Commitments $ |
3,314 |
2,876 |
2,528 |
2,129 |
2,042 |
| Total Credit Card Lines $ |
3,943 |
3,446 |
3,076 |
2,649 |
2,543 |
| Credit Card Loss Rate $ |
6.50 |
5.16 |
4.36 |
4.39 |
5.15 |
| No of Personal Bankruptcies |
1,152,101 |
1,451,575 |
1,217,628 |
1,281,360 |
1,397,695 |
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