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Statistics at a Glance
As of September 30, 2004
Dollar Amounts in Billions
Third 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 |
9,025 |
7,660 |
1,365 |
6 |
1,783 |
35 |
4,386 |
1000 |
136 |
459 |
1,137 |
83 |
| Number of FDIC-Supervised |
5,265 |
4,796 |
469 |
0 |
1,230 |
11 |
2,572 |
405 |
74 |
261 |
675 |
37 |
| Total Assets $ |
9,877 |
8,244 |
1,633 |
1,566 |
138 |
368 |
3,195 |
1,405 |
212 |
54 |
147 |
2,792 |
| Total Loans $ |
5,981 |
4,815 |
1,166 |
621 |
88 |
270 |
2,183 |
1,022 |
162 |
14 |
83 |
1,539 |
| Domestic Deposits $ |
5,564 |
4,586 |
977 |
403 |
111 |
103 |
2,229 |
805 |
104 |
40 |
120 |
1,648 |
| Net Income (QTR) $ |
32.498 |
27.766 |
4.732 |
3.373 |
0.455 |
3.630 |
10.617 |
3.986 |
0.594 |
0.204 |
0.420 |
9.220 |
| Percent Profitable (QTR) % |
94.3 |
94.5 |
93.2 |
100.0 |
97.1 |
85.7 |
93.4 |
94.5 |
95.6 |
85.8 |
96.3 |
95.2 |
| Average Return on Assets (QTR) % |
1.33 |
1.36 |
1.18 |
0.86 |
1.33 |
4.14 |
1.34 |
1.15 |
1.16 |
1.52 |
1.15 |
1.34 |
| Average Return on Equity (QTR) % |
13.56 |
14.20 |
10.72 |
11.97 |
12.43 |
21.23 |
13.16 |
13.23 |
10.68 |
9.12 |
10.67 |
13.50 |
| Net Interest Margin (QTR) % |
3.62 |
3.71 |
3.17 |
2.67 |
4.16 |
8.73 |
3.92 |
3.12 |
4.04 |
3.02 |
3.89 |
3.34 |
| Equity to Assets % |
10.13 |
9.96 |
10.98 |
7.27 |
10.87 |
20.79 |
10.40 |
8.74 |
13.61 |
16.97 |
10.92 |
10.25 |
| Noncurrent Loan Rate - Total Loans * % |
0.85 |
0.91 |
0.58 |
1.66 |
1.03 |
1.77 |
0.69 |
0.74 |
0.74 |
0.92 |
0.94 |
0.64 |
| Real Estate Loans % |
0.65 |
0.69 |
0.54 |
0.92 |
0.96 |
0.07 |
0.61 |
0.72 |
.84 |
0.85 |
0.90 |
0.55 |
| C&I Loans % |
1.41 |
1.43 |
1.09 |
3.09 |
1.72 |
1.32 |
1.02 |
1.25 |
1.43 |
1.38 |
1.55 |
1.15 |
| Consumer Loans % |
1.32 |
1.39 |
0.67 |
2.33 |
0.80 |
1.94 |
0.58 |
0.61 |
0.49 |
0.90 |
0.81 |
0.77 |
| Coverage Ratio ** % |
165.43 |
171.17 |
127.87 |
115.30 |
143.04 |
255.85 |
196.10 |
72.54 |
202.10 |
179.64 |
145.09 |
196.60 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.50 |
0.57 |
0.24 |
0.89 |
0.20 |
4.16 |
0.28 |
0.10 |
1.10 |
0.27 |
0.26 |
0.26 |
| Real Estate Loans (QTR) % |
0.07 |
0.08 |
0.04 |
0.07 |
0.06 |
0.07 |
0.09 |
0.03 |
0.26 |
0.03 |
0.06 |
0.05 |
| C&I Loans (QTR) % |
0.45 |
0.41 |
1.07 |
0.35 |
0.53 |
5.26 |
0.55 |
0.37 |
1.96 |
0.47 |
0.63 |
0.18 |
| Consumer Loans (QTR) % |
2.55 |
2.62 |
1.98 |
2.87 |
0.68 |
4.53 |
1.17 |
1.28 |
2.01 |
1.31 |
1.00 |
1.65 |
| Third Quarter 2003 |
| Number of FDIC-Insured |
9,236 |
7,812 |
1,424 |
6 |
1,821 |
36 |
4,167 |
1,024 |
166 |
522 |
1,391 |
103 |
| Number of FDIC-Supervised |
5,321 |
4,833 |
488 |
0 |
1,261 |
11 |
2,429 |
402 |
85 |
282 |
810 |
41 |
| Total Assets $ |
8,943 |
7,472 |
1,471 |
1,428 |
129 |
309 |
3,096 |
1,589 |
192 |
62 |
192 |
1,946 |
| Total Loans $ |
5,334 |
4,351 |
983 |
574 |
81 |
232 |
2,086 |
1,081 |
153 |
17 |
108 |
1,001 |
| Domestic Deposits $ |
5,159 |
4,224 |
934 |
369 |
107 |
98 |
2,172 |
932 |
101 |
46 |
157 |
1,178 |
| Net Income (QTR) $ |
30.381 |
25.819 |
4.562 |
3.650 |
0.403 |
3.916 |
9.893 |
5.174 |
0.816 |
0.230 |
0.505 |
6.514 |
| Percent Profitable (QTR) % |
93.3 |
93.6 |
92.1 |
100.0 |
95.6 |
97.2 |
93.0 |
93.2 |
94.0 |
84.7 |
94.7 |
92.2 |
| Average Return on Assets (QTR) % |
1.36 |
1.38 |
1.26 |
1.02 |
1.25 |
4.25 |
1.28 |
1.33 |
1.68 |
1.47 |
1.06 |
1.33 |
| Average Return on Equity (QTR) % |
14.94 |
15.22 |
13.53 |
14.25 |
11.53 |
24.90 |
13.59 |
14.79 |
22.86 |
9.23 |
10.00 |
15.31 |
| Net Interest Margin (QTR) % |
3.67 |
3.77 |
3.19 |
2.89 |
4.08 |
8.28 |
3.92 |
3.32 |
4.71 |
3.01 |
3.83 |
3.21 |
| Equity to Assets % |
9.13 |
9.12 |
9.18 |
7.27 |
10.81 |
17.03 |
9.42 |
8.79 |
7.49 |
15.92 |
10.57 |
8.75 |
| Noncurrent Loan Rate - Total Loans * % |
1.17 |
1.25 |
0.83 |
2.33 |
1.33 |
1.70 |
1.02 |
0.82 |
0.99 |
1.06 |
1.10 |
1.09 |
| Real Estate Loans % |
0.81 |
0.81 |
0.80 |
1.23 |
1.17 |
0.46 |
0.78 |
0.81 |
0.89 |
0.92 |
1.03 |
0.72 |
| C&I Loans % |
2.51 |
2.58 |
1.48 |
4.82 |
2.19 |
1.30 |
1.86 |
1.48 |
2.25 |
1.77 |
1.89 |
2.62 |
| Consumer Loans % |
1.29 |
1.35 |
0.69 |
2.40 |
0.89 |
1.97 |
0.62 |
0.34 |
0.78 |
1.18 |
0.84 |
0.68 |
| Coverage Ratio ** % |
136.36 |
140.94 |
105.82 |
94.83 |
116.15 |
263.20 |
152.08 |
88.71 |
163.93 |
171.62 |
124.04 |
148.34 |
| Net Charge-Off Rate - All Loans (QTR) % |
0.73 |
0.82 |
0.30 |
1.40 |
0.29 |
4.80 |
0.47 |
0.19 |
1.34 |
2.47 |
0.37 |
0.48 |
| Real Estate Loans (QTR) % |
0.11 |
0.13 |
0.03 |
0.11 |
0.09 |
0.13 |
0.12 |
0.05 |
0.31 |
0.05 |
0.10 |
0.13 |
| C&I Loans (QTR) % |
1.18 |
1.20 |
0.80 |
1.84 |
0.73 |
4.98 |
1.06 |
0.62 |
1.85 |
0.58 |
0.80 |
0.94 |
| Consumer Loans (QTR) % |
2.88 |
2.88 |
2.92 |
3.13 |
1.02 |
5.38 |
1.39 |
1.79 |
2.71 |
15.49 |
1.16 |
1.45 |
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* Nonaccruing loans and loans past due 90+ days
** Loss reserve as a percentage of noncurrent loans
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