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Home > Industry Analysis > Research & Analysis > FDIC Banking Review |
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FDIC Banking Review |
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| Table 11
Comparison of Near-Failures by Outcome |
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| Survivors | Purchased | Difference | |
|---|---|---|---|
| AS OF ONE YEAR BEFORE THE PCA DATE | |||
| Number of Institutions | 18 | 21 | 3 |
| Median Total Assets ($MM) | 82 | 44 | (38) |
| Median Asset Growth | (1.08) | 0.34 | 1.42 |
| Institutions with CAMELS Rating of 4 or 5 (%) | 66.70 | 61.90 | (4.80) |
| Median Balance Sheet Percentages | |||
| Investment Securities | 8.51 | 10.55 | 2.04 |
| 1-4 Family Mortgages | 16.65 | 14.99 | (1.66) |
| Commercial Real Estate | 7.41 | 13.95 | 6.54 |
| Multifamily Real Estate | 1.91 | 0.69 | (1.22) |
| Commercial & Industrial Loans | 4.41 | 10.41 | 6.00 |
| Deposits | 90.64 | 92.09 | 1.45 |
| Median Rolling Four-Quarter Performance Ratios | |||
| Return on Assets | (0.75) | (0.72) | 0.03 |
| Return on Equity | (12.91) | (12.37) | 0.54 |
| Yield on Earning Assets | 8.21 | 8.70 | 0.49 |
| Cost of Funding Earning Assets | 3.65 | 4.12 | 0.47 |
| Net Interest Margin | 4.59 | 4.68 | 0.09 |
| Noninterest Income to Earning Assets | 2.19 | 0.83 | (1.36)** |
| Noninterest Expense to Earning Assets | 7.30 | 4.52 | (2.78)* |
| Net Operating Income to Assets | (0.78) | (0.75) | 0.03 |
| Net Charge-offs to Loans | 1.74 | 1.46 | (0.28) |
| Loss Provision to Average Assets | 1.14 | 1.25 | 0.11 |
| Loss Provision to Net Charge-offs | 101.73 | 129.64 | 27.91 |
| Efficiency Ratio | 94.12 | 86.45 | (7.67) |
| Median Condition Ratios | |||
| Loss Allowance to Loans | 1.82 | 2.09 | 0.27 |
| Loss Allowance to Noncurrent (Coverage Ratio) | 51.35 | 35.08 | (16.27) |
| Noncurrent & OREO to Assets | 5.96 | 4.50 | (1.46) |
| OREO to Assets | 1.80 | 0.71 | (1.09) |
| Noncurrent RE loans to RE Loans | 7.02 | 2.25 | (4.77) |
| Noncurrent Loans & Leases to Loans & Leases | 5.24 | 3.61 | (1.63) |
| Noncurrent Loan Growth | (2.63) | 20.08 | 22.71 |
| Equity Captial Ratio | 5.71 | 6.47 | 0.76 |
| Core Capital (Leverage) Ratio | 5.32 | 6.02 | 0.70 |
| Equity Capital plus Reserves to Assets | 7.28 | 8.03 | 0.75 |
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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 |