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Statistics at a Glance
As of March 31, 2003
Dollar Amounts in Billions
First Quarter 2003 |
All Insured Institiutions |
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 |
9,314 |
7,864 |
1,450 |
6 |
1,800 |
40 |
4,099 |
1,072 |
172 |
501 |
1,525 |
99 |
| Number of FDIC-Supervised |
5,341 |
4,849 |
492 |
0 |
1,243 |
12 |
2,380 |
408 |
84 |
276 |
901 |
37 |
| Total Assets $ |
8,606 |
7,196 |
1,410 |
1,328 |
122 |
237 |
3,054 |
1,418 |
366 |
59 |
202 |
1,820 |
| Total Loans $ |
5,126 |
4,192 |
934 |
548 |
74 |
186 |
2,039 |
928 |
291 |
16 |
114 |
930 |
| Domestic Deposits $ |
5,026 |
4,126 |
900 |
350 |
101 |
70 |
2,146 |
845 |
189 |
44 |
166 |
1,115 |
| Net Income (QTR) $ |
29.377 |
24.942 |
4.434 |
3.862 |
0.376 |
2.227 |
9.942 |
5.171 |
1.394 |
0.183 |
0.566 |
5.656 |
| Percent Profitable (QTR) % |
94.1 |
94.3 |
93.1 |
100.0 |
96.2 |
95.0 |
93.4 |
94.4 |
96.5 |
85.6 |
95.6 |
97.0 |
| Average Return on Assets (QTR) % |
1.38 |
1.40 |
1.28 |
1.17 |
1.24 |
3.66 |
1.32 |
1.49 |
1.57 |
1.25 |
1.13 |
1.25 |
| Average Return on Equity (QTR) % |
15.00 |
15.27 |
13.64 |
15.43 |
11.49 |
23.19 |
14.08 |
16.48 |
18.45 |
7.64 |
10.68 |
13.89 |
| Net Interest Margin (QTR) % |
3.80 |
3.89 |
3.36 |
3.30 |
4.00 |
8.39 |
4.00 |
3.37 |
4.61 |
2.96 |
3.94 |
3.33 |
| Equity to Assets % |
9.20 |
9.16 |
9.39 |
7.58 |
10.78 |
16.47 |
9.36 |
9.01 |
8.45 |
16.07 |
10.58 |
8.97 |
| Noncurrent Loan Rate - Total Loans * % |
1.31 |
1.40 |
0.89 |
2.51 |
1.39 |
1.99 |
1.14 |
0.91 |
0.92 |
1.62 |
1.05 |
1.37 |
| Real Estate Loans % |
0.89 |
0.90 |
0.86 |
1.61 |
1.21 |
0.53 |
0.85 |
0.90 |
0.51 |
1.63 |
0.95 |
0.90 |
| C&I Loans % |
2.76 |
2.80 |
1.92 |
4.99 |
2.06 |
1.75 |
2.09 |
1.72 |
2.11 |
2.89 |
1.86 |
3.07 |
| Consumer Loans % |
1.35 |
1.42 |
0.67 |
2.09 |
0.86 |
2.19 |
0.72 |
0.52 |
1.25 |
0.72 |
0.86 |
0.66 |
| Coverage Ratio ** % |
127.76 |
131.50 |
101.23 |
99.27 |
110.50 |
256.98 |
139.49 |
83.77 |
130.30 |
101.80 |
129.96 |
129.91 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.81 |
0.92 |
0.32 |
1.69 |
0.15 |
5.57 |
0.55 |
0.19 |
0.90 |
0.36 |
0.25 |
0.61 |
| Real Estate Loans (QTR) % |
0.10 |
0.12 |
0.05 |
0.15 |
0.03 |
0.15 |
0.10 |
0.07 |
0.16 |
0.07 |
0.07 |
0.14 |
| C&I Loans (QTR) % |
1.39 |
1.39 |
1.41 |
1.75 |
0.32 |
5.91 |
1.34 |
0.95 |
2.05 |
1.30 |
0.56 |
1.21 |
| Consumer Loans (QTR) % |
3.02 |
3.04 |
2.74 |
3.88 |
0.52 |
6.08 |
1.57 |
1.42 |
1.78 |
0.76 |
0.85 |
1.62 |
| First Quarter 2002 |
| Number of FDIC-Insured |
9,521 |
8,005 |
1,516 |
6 |
1,852 |
48 |
4,032 |
1,201 |
214 |
463 |
1,610 |
95 |
| Number of FDIC-Supervised |
5,441 |
4,932 |
509 |
0 |
1,289 |
14 |
2,316 |
461 |
110 |
250 |
968 |
33 |
| Total Assets $ |
7,823 |
5,897 |
1,336 |
1,211 |
119 |
299 |
3,579 |
1,191 |
151 |
49 |
198 |
1,025 |
| Total Loans $ |
4,754 |
3,533 |
867 |
540 |
72 |
220 |
2,405 |
762 |
121 |
13 |
114 |
506 |
| Domestic Deposits $ |
4,569 |
3,395 |
834 |
323 |
99 |
116 |
2,443 |
694 |
78 |
35 |
164 |
616 |
| Net Income (QTR) $ |
25.348 |
19.737 |
3.638 |
2.477 |
0.372 |
2.497 |
12.049 |
3.862 |
0.534 |
-0.262 |
0.567 |
3.253 |
| Percent Profitable (QTR) % |
92.8 |
93.0 |
91.7 |
100.0 |
96.0 |
89.6 |
91.1 |
93.8 |
96.7 |
82.9 |
94.7 |
96.8 |
| Average Return on Assets (QTR) % |
1.29 |
1.33 |
1.10 |
0.82 |
1.25 |
3.22 |
1.34 |
1.31 |
1.44 |
-2.11 |
1.15 |
1.26 |
| Average Return on Equity (QTR) % |
14.20 |
14.53 |
12.51 |
10.89 |
11.92 |
22.93 |
14.05 |
15.19 |
17.80 |
-12.68 |
11.19 |
15.93 |
| Net Interest Margin (QTR) % |
4.06 |
4.18 |
3.52 |
3.53 |
4.07 |
8.49 |
4.17 |
3.56 |
5.06 |
3.43 |
4.03 |
3.50 |
| Equity to Assets % |
9.22 |
9.27 |
9.00 |
7.57 |
10.56 |
14.85 |
9.62 |
8.83 |
8.41 |
16.30 |
10.25 |
8.02 |
| Noncurrent Loan Rate - Total Loans * % |
1.37 |
1.47 |
0.92 |
2.27 |
1.30 |
2.22 |
1.25 |
0.96 |
1.40 |
1.01 |
0.98 |
1.31 |
| Real Estate Loans % |
0.96 |
0.99 |
0.89 |
1.68 |
1.17 |
1.59 |
0.90 |
0.93 |
1.27 |
0.92 |
0.90 |
0.99 |
| C&I Loans % |
2.60 |
2.88 |
2.12 |
3.83 |
1.94 |
2.66 |
2.29 |
2.08 |
2.24 |
1.71 |
1.64 |
2.71 |
| Consumer Loans % |
1.39 |
1.63 |
0.59 |
2.10 |
0.85 |
2.31 |
0.66 |
0.65 |
1.36 |
0.68 |
0.79 |
0.78 |
| Coverage Ratio ** % |
127.56 |
131.38 |
100.15 |
99.47 |
117.59 |
225.84 |
135.19 |
85.04 |
102.33 |
162.34 |
133.92 |
125.10 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.98 |
1.14 |
0.25 |
1.49 |
0.20 |
7.09 |
0.62 |
0.16 |
1.10 |
0.67 |
0.24 |
0.84 |
| Real Estate Loans (QTR) % |
0.12 |
0.15 |
0.06 |
0.19 |
0.05 |
0.54 |
0.11 |
0.05 |
0.66 |
0.60 |
0.06 |
0.24 |
| C&I Loans (QTR) % |
1.47 |
1.47 |
1.35 |
1.58 |
0.46 |
4.51 |
1.36 |
1.07 |
1.74 |
0.30 |
0.43 |
1.88 |
| Consumer Loans (QTR) % |
3.70 |
3.92 |
1.72 |
4.51 |
0.55 |
8.08 |
1.61 |
1.47 |
1.35 |
1.31 |
0.90 |
1.69 |
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* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
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