|
Statistics at a Glance
| As of
December 31, 2004 |
Dollar Amounts in Billions
Fourth Quarter 2004 |
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 |
8,975 |
7,630 |
1,345 |
5 |
1,730 |
34 |
4,424 |
990 |
132 |
465 |
1,120 |
75 |
| Number of FDIC-Supervised |
5,262 |
4,804 |
459 |
0 |
1,190 |
11 |
2,607 |
404 |
70 |
264 |
682 |
34 |
| Total Assets $ |
10,105 |
8,413 |
1,692 |
1,881 |
138 |
382 |
3,301 |
1,504 |
104 |
52 |
144 |
2,598 |
| Total Loans $ |
6,119 |
4,905 |
1,214 |
799 |
88 |
294 |
2,279 |
1,061 |
83 |
13 |
80 |
1,422 |
| Domestic Deposits $ |
5,718 |
4,727 |
991 |
559 |
113 |
106 |
2,320 |
863 |
58 |
38 |
117 |
1,545 |
| Net Income (QTR) $ |
31.771 |
27.030 |
4.740 |
3.626 |
0.372 |
3.264 |
10.274 |
4.526 |
0.418 |
0.229 |
0.369 |
8.693 |
| Percent Profitable (QTR) % |
90.8 |
90.6 |
91.9 |
100.0 |
90.0 |
88.2 |
91.7 |
91.7 |
93.9 |
80.4 |
91.6 |
94.7 |
| Average Return on Assets (QTR) % |
1.28 |
1.30 |
1.14 |
0.77 |
1.09 |
3.63 |
1.26 |
1.23 |
1.51 |
1.77 |
1.03 |
1.36 |
| Average Return on Equity (QTR) % |
12.57 |
13.08 |
10.31 |
9.68 |
10.05 |
18.89 |
12.71 |
11.78 |
14.31 |
10.42 |
9.52 |
13.18 |
| Net Interest Margin (QTR) % |
3.63 |
3.73 |
3.18 |
2.60 |
4.14 |
9.47 |
3.97 |
3.05 |
4.74 |
3.28 |
3.90 |
3.37 |
| Equity to Assets % |
10.28 |
10.10 |
11.18 |
8.05 |
10.79 |
20.52 |
10.09 |
10.55 |
11.36 |
16.94 |
10.79 |
10.25 |
| Noncurrent Loan Rate - Total Loans * % |
0.80 |
0.86 |
0.56 |
1.29 |
0.92 |
1.98 |
0.63 |
0.54 |
0.64 |
0.98 |
0.86 |
0.74 |
| Real Estate Loans % |
0.61 |
0.65 |
0.51 |
0.94 |
0.84 |
0.09 |
0.56 |
0.54 |
0.34 |
0.93 |
0.84 |
0.70 |
| C&I Loans % |
1.16 |
1.17 |
1.00 |
2.09 |
1.57 |
1.16 |
0.90 |
0.84 |
0.76 |
1.41 |
1.33 |
1.02 |
| Consumer Loans % |
1.40 |
1.46 |
0.83 |
2.07 |
0.79 |
2.18 |
0.55 |
0.37 |
0.76 |
1.02 |
0.78 |
0.77 |
| Coverage Ratio ** % |
167.78 |
174.64 |
125.38 |
135.34 |
156.74 |
215.84 |
206.31 |
97.06 |
259.42 |
168.43 |
155.30 |
156.27 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.61 |
0.68 |
0.28 |
1.10 |
0.32 |
4.67 |
0.35 |
0.15 |
1.44 |
0.54 |
0.40 |
0.24 |
| Real Estate Loans (QTR) % |
0.08 |
0.10 |
0.05 |
0.18 |
0.12 |
0.09 |
0.10 |
0.05 |
0.14 |
0.10 |
0.13 |
0.05 |
| C&I Loans (QTR) % |
0.58 |
0.53 |
1.33 |
0.49 |
0.93 |
0.45 |
0.71 |
0.76 |
2.46 |
0.65 |
1.00 |
0.30 |
| Consumer Loans (QTR) % |
2.97 |
3.05 |
2.27 |
3.62 |
0.98 |
5.22 |
1.39 |
1.66 |
2.19 |
2.42 |
1.30 |
1.21 |
| Fourth Quarter 2003 |
| Number of FDIC-Insured |
9,181 |
7,770 |
1,411 |
6 |
1,766 |
36 |
4,253 |
1,033 |
157 |
529 |
1,310 |
91 |
| Number of FDIC-Supervised |
5,319 |
4,836 |
483 |
0 |
1,224 |
11 |
2,499 |
409 |
80 |
280 |
774 |
42 |
| Total Assets $ |
9,075 |
7,601 |
1,474 |
1,448 |
129 |
348 |
2,924 |
1,658 |
147 |
61 |
172 |
2,189 |
| Total Loans $ |
5,434 |
4,429 |
1,006 |
572 |
79 |
267 |
1,960 |
1,135 |
121 |
16 |
96 |
1,189 |
| Domestic Deposits $ |
5,213 |
4,288 |
925 |
367 |
107 |
105 |
2,070 |
997 |
70 |
45 |
142 |
1,311 |
| Net Income (QTR) $ |
30.984 |
26.456 |
4.528 |
4.390 |
0.335 |
3.817 |
8.800 |
5.284 |
0.388 |
0.518 |
0.395 |
7.058 |
| Percent Profitable (QTR) % |
89.5 |
89.5 |
89.6 |
100.0 |
89.2 |
88.9 |
90.1 |
90.5 |
86.6 |
82.0 |
90.5 |
90.1 |
| Average Return on Assets (QTR) % |
1.38 |
1.41 |
1.24 |
1.22 |
1.05 |
4.64 |
1.22 |
1.26 |
1.07 |
3.41 |
0.93 |
1.31 |
| Average Return on Equity (QTR) % |
15.09 |
15.45 |
13.31 |
16.66 |
9.77 |
28.11 |
13.18 |
14.08 |
14.30 |
20.93 |
8.82 |
14.72 |
| Net Interest Margin (QTR) % |
3.75 |
3.85 |
3.22 |
3.06 |
4.05 |
8.82 |
3.93 |
3.21 |
4.83 |
3.03 |
3.86 |
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 |
10.45 |
8.87 |
| Noncurrent Loan Rate - Total Loans * % |
1.12 |
1.20 |
0.80 |
2.24 |
1.15 |
2.04 |
0.88 |
0.95 |
1.07 |
0.97 |
1.07 |
0.95 |
| Real Estate Loans % |
0.83 |
0.86 |
0.77 |
1.30 |
1.03 |
0.40 |
0.75 |
0.97 |
1.20 |
0.84 |
1.03 |
0.63 |
| C&I Loans % |
2.06 |
2.10 |
1.29 |
4.25 |
1.88 |
1.28 |
1.39 |
1.30 |
2.06 |
1.61 |
1.66 |
2.18 |
| Consumer Loans % |
1.46 |
1.53 |
0.85 |
2.59 |
0.87 |
2.19 |
0.64 |
0.29 |
0.76 |
1.12 |
0.89 |
0.73 |
| Coverage Ratio ** % |
140.35 |
145.71 |
104.97 |
102.23 |
132.83 |
235.19 |
166.41 |
75.69 |
158.32 |
183.49 |
129.69 |
158.47 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.80 |
0.91 |
0.29 |
1.36 |
0.43 |
5.31 |
0.49 |
0.13 |
2.82 |
0.56 |
0.46 |
0.56 |
| Real Estate Loans (QTR) % |
0.20 |
0.26 |
0.04 |
0.10 |
0.17 |
0.17 |
0.16 |
0.05 |
2.55 |
0.12 |
0.15 |
0.34 |
| C&I Loans (QTR) % |
1.09 |
1.13 |
1.40 |
1.57 |
0.26 |
5.87 |
1.00 |
0.21 |
2.70 |
1.12 |
1.15 |
0.94 |
| Consumer Loans (QTR) % |
3.09 |
3.10 |
3.01 |
3.29 |
0.80 |
5.86 |
1.52 |
1.31 |
3.10 |
2.10 |
1.44 |
1.44 |
|
* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
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