|
Statistics at a Glance
| As of December 31, 2007 |
Dollar Amounts in Billions
Fourth Quarter 2007 |
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 |
8,533 |
7,282 |
1,251 |
5 |
1,591 |
27 |
4,773 |
786 |
108 |
374 |
813 |
56 |
| Number of FDIC-Supervised |
5,197 |
4,772 |
425 |
0 |
1,104 |
10 |
2,961 |
317 |
55 |
230 |
499 |
21 |
| Total Assets $ |
13,039 |
11,176 |
1,863 |
2,784 |
158 |
479 |
4,619 |
1,334 |
94 |
38 |
110 |
3,423 |
| Total Loans $ |
7,906 |
6,626 |
1,280 |
1,237 |
105 |
369 |
3,261 |
944 |
76 |
9 |
63 |
1,843 |
| Domestic Deposits $ |
6,912 |
5,807 |
1,105 |
743 |
128 |
142 |
3,149 |
737 |
70 |
26 |
90 |
1,826 |
| Net Income (QTR) $ |
5.816 |
10.540 |
-4.724 |
-1.383 |
0.424 |
3.027 |
3.948 |
-3.230 |
0.156 |
0.214 |
0.258 |
2.402 |
| Percent Profitable (QTR) % |
82.3 |
83.2 |
77.0 |
60.0 |
89.3 |
88.9 |
79.8 |
79.1 |
79.6 |
71.9 |
91.1 |
87.5 |
| Average Return on Assets (QTR) % |
0.18 |
0.38 |
-1.00 |
-0.20 |
1.10 |
2.61 |
0.35 |
-0.94 |
0.66 |
2.30 |
0.95 |
0.29 |
| Average Return on Equity (QTR) % |
1.74 |
3.76 |
-8.70 |
-2.55 |
9.73 |
11.96 |
3.14 |
-10.51 |
5.29 |
11.46 |
8.24 |
2.78 |
| Net Interest Margin (QTR) % |
3.30 |
3.38 |
2.86 |
2.63 |
3.99 |
8.97 |
3.58 |
2.52 |
4.43 |
3.10 |
3.73 |
2.96 |
| Equity to Assets % |
10.37 |
10.24 |
11.17 |
8.01 |
11.17 |
21.26 |
11.03 |
8.61 |
12.63 |
20.04 |
11.46 |
10.32 |
| Noncurrent Loan Rate - Total Loans * % |
1.39 |
1.30 |
1.86 |
1.42 |
1.05 |
2.00 |
1.31 |
1.87 |
1.98 |
0.77 |
0.95 |
1.15 |
| Real Estate Loans % |
1.71 |
1.62 |
2.01 |
1.95 |
1.20 |
1.81 |
1.62 |
1.94 |
3.17 |
0.82 |
0.99 |
1.60 |
| C&I Loans % |
0.66 |
0.64 |
0.92 |
0.34 |
1.35 |
2.21 |
0.74 |
0.88 |
0.73 |
1.21 |
1.16 |
0.54 |
| Consumer Loans % |
1.43 |
1.48 |
0.98 |
2.09 |
0.73 |
2.10 |
0.67 |
0.96 |
0.94 |
0.49 |
0.78 |
0.83 |
| Coverage Ratio ** % |
92.54 |
102.84 |
55.35 |
103.22 |
121.50 |
207.47 |
93.62 |
45.74 |
61.51 |
172.87 |
123.83 |
80.15 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.83 |
0.86 |
0.68 |
1.05 |
0.31 |
4.23 |
0.60 |
0.66 |
1.03 |
0.26 |
0.33 |
0.55 |
| Real Estate Loans (QTR) % |
0.44 |
0.43 |
0.49 |
0.68 |
0.19 |
2.61 |
0.43 |
0.54 |
0.16 |
0.02 |
0.12 |
0.30 |
| C&I Loans (QTR) % |
0.87 |
0.85 |
1.24 |
0.97 |
0.68 |
5.13 |
0.70 |
1.35 |
2.59 |
0.38 |
0.87 |
0.54 |
| Consumer Loans (QTR) % |
2.75 |
2.77 |
2.54 |
2.88 |
0.75 |
4.39 |
1.55 |
3.16 |
1.82 |
0.95 |
1.04 |
1.92 |
| Fourth Quarter 2006 |
| Number of FDIC-Insured |
8,680 |
7,401 |
1,279 |
4 |
1,634 |
26 |
4,713 |
817 |
123 |
411 |
895 |
57 |
| Number of FDIC-Supervised |
5,220 |
4,785 |
435 |
0 |
1,139 |
10 |
2,874 |
325 |
64 |
244 |
541 |
23 |
| Total Assets $ |
11,860 |
10,090 |
1,770 |
2,337 |
149 |
408 |
4,905 |
1,445 |
110 |
42 |
120 |
2,344 |
| Total Loans $ |
7,233 |
5,981 |
1,252 |
1,037 |
99 |
294 |
3,394 |
1,015 |
88 |
9 |
67 |
1,230 |
| Domestic Deposits $ |
6,631 |
5,538 |
1,093 |
690 |
122 |
93 |
3,372 |
914 |
75 |
29 |
98 |
1,238 |
| Net Income (QTR) $ |
35.238 |
31.236 |
4.002 |
5.665 |
0.389 |
3.353 |
14.568 |
3.237 |
0.439 |
0.228 |
0.298 |
7.061 |
| Percent Profitable (QTR) % |
87.5 |
88.1 |
84.4 |
100.0 |
89.2 |
96.2 |
88.1 |
84.8 |
82.9 |
72.7 |
90.9 |
96.5 |
| Average Return on Assets (QTR) % |
1.20 |
1.25 |
0.91 |
0.96 |
1.06 |
3.43 |
1.20 |
0.91 |
1.54 |
2.17 |
1.00 |
1.21 |
| Average Return on Equity (QTR) % |
11.43 |
12.18 |
7.72 |
12.26 |
9.78 |
13.81 |
10.85 |
9.73 |
11.95 |
10.06 |
9.12 |
12.38 |
| Net Interest Margin (QTR) % |
3.20 |
3.24 |
2.97 |
1.92 |
3.99 |
8.10 |
3.68 |
2.69 |
5.74 |
3.17 |
3.68 |
2.85 |
| Equity to Assets % |
10.52 |
10.21 |
12.31 |
7.75 |
10.73 |
22.88 |
11.16 |
9.91 |
14.16 |
21.12 |
10.98 |
9.78 |
| Noncurrent Loan Rate - Total Loans * % |
0.79 |
0.80 |
0.78 |
0.85 |
0.87 |
1.90 |
0.70 |
0.69 |
1.03 |
0.74 |
0.82 |
0.80 |
| Real Estate Loans % |
0.82 |
0.84 |
0.78 |
1.05 |
0.89 |
2.67 |
0.76 |
0.70 |
0.88 |
0.76 |
0.83 |
1.03 |
| C&I Loans % |
0.63 |
0.62 |
0.74 |
0.55 |
1.45 |
1.64 |
0.62 |
0.66 |
1.31 |
0.97 |
1.12 |
0.55 |
| Consumer Loans % |
1.20 |
1.24 |
0.83 |
1.44 |
0.73 |
2.01 |
0.65 |
0.64 |
1.08 |
0.66 |
0.67 |
0.71 |
| Coverage Ratio ** % |
135.11 |
144.76 |
87.83 |
121.83 |
154.17 |
201.53 |
158.33 |
70.71 |
176.30 |
193.38 |
150.09 |
92.60 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.47 |
0.48 |
0.44 |
0.36 |
0.30 |
3.88 |
0.35 |
0.19 |
1.62 |
0.32 |
0.28 |
0.29 |
| Real Estate Loans (QTR) % |
0.15 |
0.13 |
0.21 |
0.17 |
0.12 |
1.59 |
0.21 |
0.07 |
0.07 |
0.11 |
0.09 |
0.06 |
| C&I Loans (QTR) % |
0.51 |
0.48 |
0.90 |
0.24 |
0.91 |
3.95 |
0.53 |
0.35 |
3.04 |
0.85 |
0.79 |
0.25 |
| Consumer Loans (QTR) % |
2.09 |
2.03 |
2.68 |
1.23 |
0.88 |
4.02 |
1.11 |
2.78 |
2.22 |
0.80 |
0.91 |
1.57 |
* Nonaccruing loans and loans past due 90+ days ** Loss reserve as a percentage of noncurrent loans |
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