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Home > Industry Analysis > Research & Analysis > Working Paper Series > Bank Consolidation and Small Business Lending > Table 1




Bank Consolidation and Small Business Lending: The Role of Community Banks

   Table 1: Distribution of Banking Organizations, Assets, Deposits, and Loans, 1994 and 2000


Percentage of total by organization asset-size class


 

Organization Size Classa

<$300M

  $300M-$1B

$1B-$10B

>$10B

Total

Numberb

Organizations (number)

 

1994

87.1

8.6

3.6

0.8

100.0

10,341

2000

83.8

11.0

4.3

1.0

100.0

8,292

Assets

 

1994

12.9

8.0

18.6

60.5

100.0

5,675.3

2000

8.7

6.5

13.9

70.9

100.0

7,122.1

Deposits

 

1994

17.5

10.2

21.5

50.8

100.0

3,628.3

2000

12.9

9.1

17.6

60.4

100.0

3,951.9

Large business loans
(over $1,000,000)c

 

1994

2.0

4.1

14.9

79.0

100.0

542.4

2000

2.1

4.0

12.2

81.7

100.0

913.4

Small business loans
(under $1,000,000)c

 

Total small business loans

 

1994

28.1

13.5

19.7

38.7

100.0

381.4

2000

23.0

14.4

19.0

43.6

100.0

478.8

Small business loans
under $100,000

 

1994

44.3

12.9

16.6

26.1

100.0

121.8

2000

33.0

13.5

16.2

37.4

100.0

130.0

Small business loans
over $100,000

 

1994

20.5

13.8

21.1

44.6

100.0

259.6

2000

19.3

14.8

20.1

45.9

100.0

348.9

Commercial real estate (CRE) small business loans

 

1994

29.1

15.4

20.6

34.9

100.0

194.9

2000

24.9

16.8

20.0

38.3

100.0

232.9

Commercial & industrial (C&I) small business loans

 

1994

27.0

11.6

18.8

42.6

100.0

186.5

2000

21.2

12.2

18.1

48.6

100.0

245.9



1 Organizations are bank or thrift holding companies and independent commercial banks or savings institutions.

2 Size categories are determined using total organization assets measured in 2000 dollars.  

3 Number of organizations and mid-year outstandings (for assets, deposits, and loans) in billions of 2000 dollars.

4 Business loans include commercial & industrial loans and commercial real estate loans.


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