|
Statistics at a Glance
As of March 31, 2002
| Dollar Amounts in
Billions |
Commercial Banks |
Savings Institutions |
Total |
| 1st Qtr 2002 |
1st Qtr 2001 |
1st Qtr 2002 |
1st Qtr 2001 |
1st Qtr 2002 |
| Number of FDIC-Insured |
8,005 |
8,238 |
1,515 |
1,584 |
9,520 |
| Number of FDIC-Supervised |
4,932 |
5,055 |
508 |
525 |
5,440 |
| Total Assets $ |
6,505 |
6,316 |
1,318 |
1,255 |
7,823 |
| Total Loans $ |
3,893 |
3,831 |
860 |
848 |
4,753 |
| Domestic Deposits $ |
3,749 |
3,515 |
820 |
762 |
4,569 |
| Net Income $ |
21.732 |
19.836 |
3.637 |
2.923 |
25.369 |
| Percent Profitable % |
93.3 |
93.0 |
92.2 |
89.8 |
93.1 |
| Average Return on Assets % |
1.33 |
1.26 |
1.11 |
0.95 |
1.29 |
| Assets under $1 Billion % |
1.17 |
1.20 |
0.32 |
0.70 |
0.99 |
| Assets over $1 Billion % |
1.36 |
1.28 |
1.33 |
1.03 |
1.36 |
| Average Return on Equity % |
14.46 |
14.71 |
12.83 |
11.27 |
14.20 |
| Net Interest Margin % |
4.19 |
3.83 |
3.52 |
3.03 |
4.07 |
| Equity to Assets % |
9.30 |
8.67 |
8.89 |
8.48 |
9.22 |
| Noncurrent Loans * % |
1.47 |
1.20 |
0.92 |
0.74 |
1.37 |
| Real Estate Loans % |
1.00 |
0.87 |
0.89 |
0.69 |
0.96 |
| C&I Loans % |
2.61 |
1.82 |
2.21 |
1.66 |
2.59 |
| Consumer Loans % |
1.49 |
1.41 |
0.60 |
0.85 |
1.41 |
| Coverage Ratio ** % |
130.88 |
140.38 |
99.39 |
119.32 |
126.98 |
| Net Charge-Off Rate % |
1.14 |
0.73 |
0.26 |
0.25 |
0.98 |
| Real Estate Loans % |
0.15 |
0.11 |
0.06 |
0.04 |
0.12 |
| C&I Loans % |
1.45 |
0.90 |
1.39 |
1.37 |
1.44 |
| Consumer Loans % |
3.98 |
2.44 |
1.92 |
1.93 |
3.78 |
|
* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
|
| All Insured Institutions |
1st Qtr 2002 YTD |
2001 |
2000 |
1999 |
1998 |
| Credit Card Loans |
| Held on Balance Sheet $ |
248 |
233 |
249 |
212 |
242 |
| Securitized and Sold $ |
358 |
341 |
299 |
291 |
261 |
| Unused Commitments $ |
3,170 |
2,876 |
2,528 |
2,116 |
2,042 |
| Total Credit Card Lines $ |
3,776 |
3,450 |
3,076 |
2,619 |
2,554 |
| Credit Card Loss Rate $ |
8.19 |
5.14 |
4.28 |
4.39 |
5.15 |
| No of Personal Bankruptcies |
369,237 |
1,451,575 |
1,217,628 |
1,281,360 |
1,397,695 |
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