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Statistics at a Glance
As of March 31, 2004
Dollar Amounts in Billions
First Quarter 2004 |
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 |
9,116 |
7,712 |
1,404 |
6 |
1,730 |
35 |
4,276 |
1,028 |
140 |
520 |
1,294 |
87 |
| Number of FDIC-Supervised |
5,291 |
4,810 |
481 |
0 |
1,192 |
11 |
2,512 |
410 |
72 |
287 |
767 |
40 |
| Total Assets $ |
9,377 |
7,818 |
1,559 |
1,493 |
128 |
332 |
2,898 |
1,396 |
506 |
59 |
168 |
2,397 |
| Total Loans $ |
5,549 |
4,489 |
1,059 |
573 |
78 |
248 |
1,952 |
965 |
392 |
16 |
93 |
1,231 |
| Domestic Deposits $ |
5,347 |
4,400 |
947 |
392 |
106 |
95 |
2,042 |
826 |
319 |
44 |
138 |
1,385 |
| Net Income (QTR) $ |
31.863 |
27.286 |
4.577 |
4.121 |
0.404 |
3.305 |
9.523 |
3.991 |
1.927 |
0.202 |
0.462 |
7.927 |
| Percent Profitable (QTR) % |
94.5 |
94.8 |
92.7 |
83.3 |
97.4 |
91.4 |
93.8 |
94.0 |
95.0 |
88.3 |
95.7 |
97.7 |
| Average Return on Assets (QTR) % |
1.38 |
1.42 |
1.21 |
1.12 |
1.27 |
3.94 |
1.33 |
1.17 |
1.52 |
1.38 |
1.11 |
1.36 |
| Average Return on Equity (QTR) % |
14.86 |
15.52 |
11.86 |
15.15 |
11.87 |
23.30 |
14.12 |
12.89 |
17.46 |
8.37 |
10.41 |
14.88 |
| Net Interest Margin (QTR) % |
3.68 |
3.78 |
3.18 |
2.87 |
3.98 |
9.08 |
3.92 |
3.13 |
4.39 |
3.04 |
3.83 |
3.23 |
| Equity to Assets % |
9.45 |
9.15 |
10.95 |
7.41 |
10.82 |
17.61 |
9.51 |
9.07 |
8.90 |
16.59 |
10.72 |
9.50 |
| Noncurrent Loan Rate - Total Loans * % |
1.02 |
1.08 |
0.73 |
2.10 |
1.20 |
1.86 |
0.83 |
0.78 |
1.08 |
1.05 |
1.01 |
0.78 |
| Real Estate Loans % |
0.76 |
0.79 |
0.70 |
1.19 |
1.07 |
0.36 |
0.71 |
0.78 |
1.24 |
0.85 |
0.98 |
0.55 |
| C&I Loans % |
1.88 |
1.90 |
1.47 |
4.10 |
1.91 |
1.55 |
1.32 |
1.60 |
1.24 |
2.07 |
1.59 |
1.73 |
| Consumer Loans % |
1.36 |
1.44 |
0.64 |
2.59 |
0.79 |
2.01 |
0.60 |
0.31 |
0.64 |
1.14 |
0.84 |
0.68 |
| Coverage Ratio ** % |
149.61 |
156.23 |
107.88 |
102.25 |
128.31 |
273.76 |
175.25 |
81.33 |
110.22 |
160.11 |
138.44 |
179.96 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.64 |
0.72 |
0.28 |
1.30 |
0.12 |
5.22 |
0.31 |
0.12 |
0.71 |
0.70 |
0.24 |
0.34 |
| Real Estate Loans (QTR) % |
0.08 |
0.10 |
0.05 |
0.06 |
0.03 |
0.11 |
0.09 |
0.04 |
.17 |
0.03 |
0.07 |
0.09 |
| C&I Loans (QTR) % |
0.70 |
0.68 |
0.94 |
1.00 |
0.24 |
4.75 |
0.54 |
0.52 |
0.93 |
1.29 |
0.40 |
0.61 |
| Consumer Loans (QTR) % |
2.99 |
3.03 |
2.58 |
3.51 |
0.58 |
5.62 |
1.31 |
1.35 |
2.23 |
3.49 |
1.03 |
1.31 |
| First Quarter 2003 |
| Number of FDIC-Insured |
9,314 |
7,865 |
1,449 |
5 |
1,800 |
41 |
4,100 |
1,072 |
172 |
501 |
1,524 |
99 |
| Number of FDIC-Supervised |
5,341 |
4,850 |
491 |
0 |
1,243 |
12 |
2,381 |
408 |
84 |
276 |
900 |
37 |
| Total Assets $ |
8,606 |
7,197 |
1,409 |
1,275 |
122 |
289 |
3,054 |
1,418 |
366 |
59 |
202 |
1,820 |
| Total Loans $ |
5,126 |
4,194 |
932 |
521 |
74 |
213 |
2,040 |
927 |
291 |
16 |
114 |
930 |
| Domestic Deposits $ |
5,026 |
4,126 |
900 |
319 |
101 |
101 |
2,146 |
845 |
189 |
44 |
166 |
1,115 |
| Net Income (QTR) $ |
29.515 |
25.082 |
4.433 |
3.449 |
0.373 |
2.639 |
9.940 |
5.317 |
1.393 |
0.181 |
0.567 |
5.656 |
| Percent Profitable (QTR) % |
94.1 |
94.3 |
93.4 |
100.0 |
96.2 |
95.1 |
93.3 |
94.8 |
97.1 |
86.0 |
95.8 |
97.0 |
| Average Return on Assets (QTR) % |
1.39 |
1.41 |
1.28 |
1.08 |
1.23 |
3.59 |
1.32 |
1.53 |
1.57 |
1.23 |
1.13 |
1.25 |
| Average Return on Equity (QTR) % |
15.07 |
15.36 |
13.64 |
15.10 |
11.42 |
22.38 |
14.08 |
16.96 |
18.44 |
7.56 |
10.69 |
13.89 |
| Net Interest Margin (QTR) % |
3.80 |
3.89 |
3.36 |
3.20 |
4.00 |
8.02 |
4.00 |
3.37 |
4.61 |
2.96 |
3.94 |
3.33 |
| Equity to Assets % |
9.20 |
9.16 |
9.39 |
7.20 |
10.78 |
16.59 |
9.36 |
9.01 |
8.45 |
16.06 |
10.57 |
8.97 |
| Noncurrent Loan Rate - Total Loans * % |
1.31 |
1.40 |
0.89 |
2.54 |
1.39 |
1.98 |
1.14 |
0.91 |
0.92 |
1.62 |
1.05 |
1.37 |
| Real Estate Loans % |
0.89 |
0.90 |
0.86 |
1.61 |
1.22 |
0.53 |
0.85 |
0.90 |
0.51 |
1.64 |
0.95 |
0.90 |
| C&I Loans % |
2.76 |
2.80 |
1.92 |
5.03 |
2.06 |
1.75 |
2.09 |
1.72 |
2.11 |
2.89 |
1.87 |
3.07 |
| Consumer Loans % |
1.35 |
1.42 |
0.68 |
2.13 |
0.86 |
2.16 |
0.71 |
0.51 |
1.25 |
0.72 |
0.86 |
0.66 |
| Coverage Ratio ** % |
127.77 |
131.53 |
101.08 |
94.60 |
110.88 |
252.12 |
139.56 |
83.70 |
130.31 |
102.87 |
130.21 |
129.88 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.81 |
0.92 |
0.32 |
1.51 |
0.15 |
5.49 |
0.55 |
0.18 |
0.90 |
.036 |
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 |
1.40 |
1.76 |
0.32 |
5.90 |
1.34 |
0.94 |
2.05 |
1.30 |
0.53 |
1.21 |
| Consumer Loans (QTR) % |
3.02 |
3.05 |
2.74 |
3.63 |
0.52 |
5.95 |
1.57 |
1.42 |
1.78 |
0.77 |
0.85 |
1.62 |
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* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
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