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Home > Industry Analysis > Research & Analysis > FDIC Banking Review |
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FDIC Banking Review |
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| Table 10
Comparison of Near-Failures by Outcome |
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| Survivors | Purchased | Difference | |
|---|---|---|---|
| AS OF THE PCA DATE | |||
| Number of Institutions | 18 | 21 | 3 |
| Median Total Assets ($MM) | 91 | 38 | (53) |
| Median Asset Growth | (7.24) | (12.57) | (5.33) |
| Institutions with CAMELS Rating of 4 or 5 (%) | 77.80 | 90.50 | 12.70 |
| Median Balance Sheet Percentages | |||
| Investment Securities | 12.46 | 8.83 | (3.63) |
| 1-4 Family Mortgages | 18.01 | 16.38 | (1.63) |
| Commercial Real Estate | 6.42 | 12.39 | 5.97 |
| Multifamily Real Estate | 1.42 | 0.53 | (0.89) |
| Commercial & Industrial Loans | 6.44 | 12.60 | 6.16 |
| Deposits | 97.44 | 97.89 | 0.45 |
| Median Rolling Four-Quarter Performance Ratios | |||
| Return on Assets | (4.20) | (6.04) | (1.84) |
| Return on Equity | (116.31) | (125.72) | (9.41) |
| Yield on Earning Assets | 8.55 | 9.12 | 0.57 |
| Cost of Funding Earning Assets | 4.15 | 4.46 | 0.31 |
| Net Interest Margin | 4.75 | 4.69 | (0.06) |
| Noninterest Income to Earning Assets | 1.49 | 0.83 | (0.66)* |
| Noninterest Expense to Earning Assets | 8.11 | 6.14 | (1.97) |
| Net Operating Income to Assets | (4.33) | (6.07) | (1.74) |
| Net Charge-offs to Loans | 3.17 | 4.56 | 1.39 |
| Loss Provision to Average Assets | 1.96 | 4.08 | 2.12** |
| Loss Provision to Net Charge-offs | 118.54 | 124.65 | 6.11 |
| Efficiency Ratio | 133.11 | 115.98 | (17.13) |
| Median Condition Ratios | |||
| Loss Allowance to Loans | 2.73 | 5.05 | 2.32 |
| Loss Allowance to Noncurrent (Coverage Ratio) | 61.40 | 74.66 | 13.26 |
| Noncurrent & OREO to Assets | 7.89 | 6.02 | (1.87) |
| OREO to Assets | 1.10 | 0.57 | (0.53) |
| Noncurrent RE Loans to RE Loans | 2.98 | 3.54 | 0.56 |
| Noncurrent Loans & Leases to Loans & Leases | 8.53 | 6.36 | (2.17) |
| Noncurrent Loan Growth | 22.71 | 29.44 | 6.73 |
| Equity Capital Ratio | 1.00 | 0.88 | (0.12) |
| Core Capital (Leverage) Ratio | 0.77 | 1.26 | 0.49 |
| Equity Capital plus Reserves to Assets | 3.80 | 4.11 | 0.31 |
| AS OF MID-YEAR BEFORE PCA DATE, OR MOST RECENT EXAM | |||
| Median Economic Condition Measures | |||
| Problem Bank Index | 0.05 | 0.01 | (0.03) |
| Geographic Diversification Index | 1.00 | 1.00 | 0.00 |
| Median Examiner Classification Ratios | |||
| Reserves to Estimated Reserves | 104.05 | 91.97 | (12.08) |
| Classified Assets to Assets | 5.93 | 12.97 | 7.04 |
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*Significant at the 10% level **Significant at the 5% level ***Significant at the 1% level |
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| Last Updated 7/25/2003 | Questions, Suggestions & Requests |