|
Statistics at a Glance
| As of December 31, 2008 |
Dollar Amounts in Billions
Fourth Quarter 2008 |
All Insured Institutions |
Commercial Banks |
Savings Institutions |
Asset Concentration Group |
| Credit Card Lenders |
International Banks |
Agricultural Banks |
Commercial Lenders |
Mortgage Lenders |
Consumer Lenders |
Other Specialized < $1 Billion |
All Other < $1Billion |
All Other > $1Billion |
| Number of FDIC-Insured |
8,305 |
7,085 |
1,220 |
26 |
5 |
1,558 |
4,752 |
838 |
91 |
281 |
710 |
44 |
| Number of FDIC-Supervised |
5,098 |
4,688 |
410 |
10 |
0 |
1,084 |
3,001 |
343 |
49 |
165 |
434 |
12 |
| Total Assets $ |
13,847 |
12,313 |
1,534 |
513 |
3,410 |
169 |
5,466 |
998 |
122 |
35 |
95 |
3,041 |
| Total Loans $ |
7,875 |
6,840 |
1,035 |
385 |
1,288 |
112 |
3,826 |
665 |
97 |
8 |
54 |
1,440 |
| Domestic Deposits $ |
7,496 |
6,543 |
953 |
176 |
1,075 |
136 |
3,703 |
548 |
86 |
25 |
77 |
1,671 |
| Net Income (QTR) $ |
-32.109 |
-26.047 |
-6.062 |
-0.273 |
-0.320 |
0.290 |
-19.771 |
-3.972 |
-0.492 |
0.060 |
0.171 |
-7.803 |
| Percent Profitable (QTR) % |
67.4 |
67.7 |
66.0 |
53.8 |
80.0 |
82.5 |
58.6 |
73.6 |
72.5 |
73.0 |
84.6 |
54.5 |
| Average Return on Assets (QTR) % |
-0.94 |
-0.86 |
-1.60 |
-0.22 |
-0.04 |
0.70 |
-1.47 |
-1.61 |
-1.65 |
0.70 |
0.73 |
-1.06 |
| Average Return on Equity (QTR) % |
-9.88 |
-8.97 |
-17.40 |
-1.08 |
-0.53 |
6.32 |
-14.18 |
-20.99 |
-16.92 |
3.72 |
6.46 |
-11.26 |
| Net Interest Margin (QTR) % |
3.34 |
3.39 |
2.96 |
11.10 |
3.12 |
3.94 |
3.60 |
2.84 |
3.73 |
2.82 |
3.88 |
1.96 |
| Equity to Assets % |
9.36 |
9.40 |
9.04 |
20.44 |
7.01 |
11.01 |
10.11 |
7.49 |
9.85 |
18.56 |
11.31 |
9.11 |
| Noncurrent Loan Rate - Total Loans * % |
2.93 |
2.91 |
3.10 |
2.78 |
3.84 |
1.43 |
2.84 |
3.37 |
1.48 |
1.03 |
1.43 |
2.47 |
| Real Estate Loans % |
3.80 |
3.89 |
3.41 |
2.73 |
5.09 |
1.78 |
3.67 |
3.49 |
2.15 |
1.08 |
1.57 |
3.82 |
| C&I Loans % |
1.69 |
1.69 |
1.76 |
3.74 |
3.21 |
1.84 |
1.35 |
1.10 |
0.40 |
1.49 |
1.91 |
1.03 |
| Consumer Loans % |
1.77 |
1.81 |
1.34 |
2.82 |
2.12 |
0.82 |
1.13 |
1.31 |
1.00 |
0.52 |
0.76 |
0.84 |
| Coverage Ratio ** % |
75.02 |
78.56 |
53.09 |
255.14 |
72.75 |
92.09 |
65.44 |
39.85 |
164.59 |
133.07 |
87.44 |
70.66 |
| Net Charge-Off Rate - All Loans (QTR) % |
1.92 |
1.91 |
1.96 |
6.96 |
1.85 |
0.74 |
1.83 |
1.78 |
2.14 |
0.48 |
0.54 |
1.16 |
| Real Estate Loans (QTR) % |
1.65 |
1.65 |
1.63 |
4.56 |
1.84 |
0.55 |
1.74 |
1.77 |
1.58 |
0.17 |
0.29 |
1.25 |
| C&I Loans (QTR) % |
1.65 |
1.56 |
3.40 |
9.96 |
1.24 |
2.11 |
1.78 |
0.98 |
3.61 |
0.51 |
1.19 |
0.88 |
| Consumer Loans (QTR) % |
4.06 |
4.06 |
4.09 |
7.09 |
3.64 |
1.12 |
3.01 |
2.87 |
2.62 |
0.93 |
1.28 |
1.78 |
| Fourth Quarter 2007 |
| Number of FDIC-Insured |
8,534 |
7,283 |
1,251 |
27 |
5 |
1,592 |
4,773 |
784 |
109 |
373 |
815 |
56 |
| Number of FDIC-Supervised |
5,198 |
4,773 |
425 |
10 |
0 |
1,104 |
2,962 |
317 |
55 |
230 |
499 |
21 |
| Total Assets $ |
13,034 |
11,176 |
1,858 |
479 |
2,784 |
158 |
4,619 |
1,328 |
95 |
38 |
110 |
3,423 |
| Total Loans $ |
7,907 |
6,626 |
1,280 |
368 |
1,237 |
105 |
3,262 |
943 |
77 |
9 |
63 |
1,843 |
| Domestic Deposits $ |
6,913 |
5,808 |
1,105 |
142 |
743 |
128 |
3,150 |
737 |
71 |
26 |
90 |
1,826 |
| Net Income (QTR) $ |
0.575 |
8.841 |
-8.266 |
2.326 |
-1.383 |
0.413 |
2.687 |
-6.728 |
0.148 |
0.194 |
0.252 |
2.666 |
| Percent Profitable (QTR) % |
81.0 |
82.0 |
75.4 |
85.2 |
60.0 |
88.8 |
78.1 |
78.1 |
78.9 |
71.3 |
89.9 |
85.7 |
| Average Return on Assets (QTR) % |
0.02 |
0.32 |
-1.75 |
2.01 |
-0.20 |
1.07 |
0.24 |
-1.97 |
0.62 |
2.09 |
0.92 |
0.32 |
| Average Return on Equity (QTR) % |
0.17 |
3.16 |
-15.34 |
9.18 |
-2.55 |
9.47 |
2.14 |
-22.22 |
4.98 |
10.43 |
8.04 |
3.09 |
| Net Interest Margin (QTR) % |
3.32 |
3.40 |
2.86 |
8.98 |
2.73 |
3.98 |
3.58 |
2.52 |
4.42 |
3.10 |
3.73 |
2.95 |
| Equity to Assets % |
10.34 |
10.23 |
11.01 |
21.26 |
8.01 |
11.17 |
11.00 |
8.38 |
12.62 |
19.98 |
11.46 |
10.32 |
| Noncurrent Loan Rate - Total Loans * % |
1.40 |
1.31 |
1.87 |
2.01 |
1.44 |
1.05 |
1.33 |
1.88 |
1.97 |
0.78 |
0.94 |
1.15 |
| Real Estate Loans % |
1.73 |
1.64 |
2.01 |
1.81 |
2.02 |
1.21 |
1.65 |
1.94 |
3.15 |
0.83 |
0.98 |
1.61 |
| C&I Loans % |
0.65 |
0.64 |
0.94 |
2.21 |
0.33 |
1.35 |
0.74 |
0.87 |
0.75 |
1.21 |
1.16 |
0.54 |
| Consumer Loans % |
1.43 |
1.48 |
0.98 |
2.10 |
2.09 |
0.73 |
0.66 |
0.96 |
0.94 |
0.49 |
0.78 |
0.83 |
| Coverage Ratio ** % |
92.63 |
102.55 |
56.64 |
208.49 |
101.34 |
122.84 |
93.55 |
47.56 |
61.56 |
171.15 |
124.59 |
80.25 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.84 |
0.87 |
0.69 |
4.24 |
1.05 |
0.32 |
0.62 |
0.67 |
1.03 |
0.26 |
0.38 |
0.55 |
| Real Estate Loans (QTR) % |
0.45 |
0.44 |
0.49 |
2.61 |
0.68 |
0.20 |
0.45 |
0.55 |
0.16 |
0.04 |
0.18 |
0.30 |
| C&I Loans (QTR) % |
0.88 |
0.86 |
1.27 |
5.13 |
0.97 |
0.69 |
0.72 |
1.36 |
2.61 |
0.38 |
0.88 |
0.54 |
| Consumer Loans (QTR) % |
2.75 |
2.77 |
2.54 |
4.39 |
2.88 |
0.77 |
1.57 |
3.16 |
1.83 |
0.95 |
1.04 |
1.92 |
|
* Nonaccruing loans and loans past due 90+ days.
** Loss reserve as a percentage of noncurrent loans.
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