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Statistics at a Glance
As of
December 31, 2003
Dollar Amounts in Billions
Fourth Quarter 2003 |
All Insured Institutions |
Commercial Banks |
Savings Institutions |
Asset Concentration Group |
| International Banks |
Agricultural Banks |
Credit Card Lenders |
Commercial Lenders |
Mortgage Lenders |
Consumer Lenders |
Other Specialized < $1 Billion |
All Other < $1Billion |
All Other > $1Billion |
| Number of FDIC-Insured |
9,182 |
7,769 |
1,413 |
6 |
1,765 |
36 |
4,250 |
1,033 |
158 |
530 |
1,313 |
91 |
| Number of FDIC-Supervised |
5,318 |
4,833 |
485 |
0 |
1,223 |
11 |
2,497 |
409 |
80 |
281 |
775 |
42 |
| Total Assets $ |
9,077 |
7,602 |
1,474 |
1,448 |
129 |
348 |
2,923 |
1,658 |
147 |
61 |
173 |
2,190 |
| Total Loans $ |
5,434 |
4,429 |
1,006 |
572 |
79 |
267 |
1,959 |
1,135 |
121 |
16 |
96 |
1,189 |
| Domestic Deposits $ |
5,213 |
4,288 |
925 |
367 |
107 |
105 |
2,068 |
997 |
71 |
45 |
142 |
1,311 |
| Net Income (QTR) $ |
31.128 |
26.595 |
4.533 |
4.390 |
0.338 |
3.826 |
8.855 |
5.365 |
0.389 |
0.497 |
0.403 |
7.065 |
| Percent Profitable (QTR) % |
90.0 |
90.0 |
89.8 |
100.0 |
89.6 |
91.7 |
90.7 |
90.8 |
88.0 |
81.7 |
90.9 |
90.1 |
| Average Return on Assets (QTR) % |
1.38 |
1.41 |
1.24 |
1.22 |
1.06 |
4.65 |
1.22 |
1.28 |
1.07 |
3.28 |
0.94 |
1.31 |
| Average Return on Equity (QTR) % |
15.16 |
15.53 |
13.32 |
16.66 |
9.86 |
28.18 |
13.26 |
14.29 |
14.31 |
20.11 |
8.96 |
14.73 |
| Net Interest Margin (QTR) % |
3.75 |
3.86 |
3.22 |
3.06 |
4.05 |
8.78 |
3.93 |
3.21 |
4.83 |
3.03 |
3.85 |
3.48 |
| Equity to Assets % |
9.15 |
9.10 |
9.41 |
7.39 |
10.64 |
16.04 |
9.24 |
9.10 |
7.30 |
16.74 |
10.44 |
8.87 |
| Noncurrent Loan Rate - Total Loans * % |
1.12 |
1.19 |
0.80 |
2.24 |
1.15 |
2.03 |
0.88 |
0.95 |
1.07 |
0.97 |
1.06 |
0.95 |
| Real Estate Loans % |
0.83 |
0.86 |
0.77 |
1.30 |
1.03 |
0.40 |
0.75 |
0.97 |
1.20 |
0.85 |
1.02 |
0.63 |
| C&I Loans % |
2.05 |
2.10 |
1.29 |
4.23 |
1.87 |
1.28 |
1.40 |
1.30 |
2.06 |
1.61 |
1.64 |
2.18 |
| Consumer Loans % |
1.46 |
1.52 |
0.85 |
2.59 |
0.87 |
2.18 |
0.63 |
0.29 |
0.76 |
1.12 |
0.89 |
0.73 |
| Coverage Ratio ** % |
140.41 |
145.79 |
104.97 |
102.23 |
132.89 |
236.49 |
166.46 |
75.65 |
158.24 |
182.42 |
130.24 |
158.47 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.79 |
0.91 |
0.28 |
1.36 |
0.43 |
5.31 |
0.48 |
0.13 |
2.76 |
0.52 |
0.45 |
0.56 |
| Real Estate Loans (QTR) % |
0.20 |
0.25 |
0.04 |
0.10 |
0.17 |
0.17 |
0.16 |
0.05 |
2.55 |
0.12 |
0.15 |
0.34 |
| C&I Loans (QTR) % |
1.08 |
1.12 |
0.39 |
1.56 |
1.27 |
5.87 |
1.00 |
0.20 |
2.70 |
1.12 |
1.14 |
0.94 |
| Consumer Loans (QTR) % |
3.07 |
3.08 |
3.01 |
3.29 |
0.80 |
5.86 |
1.47 |
1.32 |
2.99 |
1.87 |
1.44 |
1.44 |
| Fourth Quarter 2002 |
| Number of FDIC-Insured |
9,354 |
7,887 |
1,467 |
5 |
1,823 |
40 |
4,070 |
1,107 |
196 |
488 |
1,525 |
100 |
| Number of FDIC-Supervised |
5,353 |
4,860 |
493 |
0 |
1,259 |
13 |
2,359 |
426 |
106 |
257 |
900 |
33 |
| Total Assets $ |
8,436 |
7,077 |
1,359 |
1,274 |
124 |
299 |
2,960 |
1,342 |
166 |
60 |
197 |
2,013 |
| Total Loans $ |
5,053 |
4,156 |
897 |
524 |
76 |
226 |
2,001 |
880 |
133 |
16 |
112 |
1,086 |
| Domestic Deposits $ |
4,910 |
4,032 |
879 |
319 |
103 |
105 |
2,080 |
815 |
83 |
43 |
162 |
1,202 |
| Net Income (QTR) $ |
25.446 |
21.455 |
3.992 |
1.336 |
0.310 |
2.773 |
9.354 |
4.610 |
0.588 |
-0.131 |
0.500 |
6.107 |
| Percent Profitable (QTR) % |
89.0 |
88.6 |
91.1 |
60.0 |
86.7 |
82.5 |
89.7 |
91.8 |
89.8 |
79.1 |
90.6 |
97.0 |
| Average Return on Assets (QTR) % |
1.22 |
1.23 |
1.18 |
0.43 |
1.02 |
3.78 |
1.28 |
1.39 |
1.41 |
-0.80 |
1.02 |
1.22 |
| Average Return on Equity (QTR) % |
13.20 |
13.34 |
12.47 |
5.92 |
9.33 |
24.37 |
13.62 |
15.25 |
19.15 |
-4.71 |
9.56 |
13.41 |
| Net Interest Margin (QTR) % |
3.91 |
4.03 |
3.33 |
3.28 |
4.17 |
8.77 |
4.11 |
3.38 |
4.73 |
2.76 |
4.08 |
3.56 |
| Equity to Assets % |
9.20 |
9.15 |
9.46 |
7.14 |
10.76 |
15.49 |
9.36 |
9.08 |
7.35 |
17.18 |
10.62 |
9.10 |
| Noncurrent Loan Rate - Total Loans * % |
1.36 |
1.46 |
0.93 |
2.76 |
1.20 |
2.15 |
1.15 |
0.95 |
1.46 |
1.59 |
1.01 |
1.29 |
| Real Estate Loans % |
0.89 |
0.89 |
0.90 |
1.50 |
1.09 |
0.60 |
0.84 |
0.94 |
1.29 |
1.67 |
0.94 |
0.76 |
| C&I Loans % |
2.88 |
2.92 |
2.00 |
5.32 |
1.86 |
1.82 |
2.13 |
1.80 |
2.75 |
2.83 |
1.66 |
3.07 |
| Consumer Loans % |
1.43 |
1.51 |
0.67 |
2.25 |
0.83 |
2.30 |
0.76 |
0.59 |
1.39 |
0.72 |
0.84 |
0.59 |
| Coverage Ratio ** % |
123.74 |
127.17 |
98.84 |
85.87 |
125.24 |
223.16 |
139.70 |
80.43 |
108.46 |
108.87 |
135.81 |
129.58 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.98 |
1.10 |
0.41 |
1.73 |
0.45 |
5.36 |
0.66 |
0.29 |
1.15 |
2.33 |
0.51 |
0.90 |
| Real Estate Loans (QTR) % |
0.16 |
0.18 |
0.10 |
0.16 |
0.15 |
0.23 |
0.17 |
0.11 |
0.24 |
0.87 |
0.14 |
0.18 |
| C&I Loans (QTR) % |
1.83 |
1.78 |
2.98 |
2.18 |
1.17 |
5.89 |
1.39 |
2.80 |
2.44 |
0.89 |
1.44 |
2.18 |
| Consumer Loans (QTR) % |
3.08 |
3.15 |
2.40 |
3.68 |
0.99 |
5.74 |
1.77 |
1.26 |
1.56 |
9.27 |
1.51 |
1.68 |
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* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
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