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Home > Industry Analysis > Research & Analysis > FDIC Banking Review |
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FDIC Banking Review |
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| Table 12
Comparison of Survivors |
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| At PCA Date | One Year Later | Difference | |
|---|---|---|---|
| Number of Institutions | 18 | 18 | 0 |
| Median Total Assets ($MM) | 91 | 104 | 13 |
| Median Asset Growth | (7.24) | (4.74) | 2.50 |
| Median Balance Sheet Percentages | |||
| Investment Securities | 12.46 | 10.26 | (2.20) |
| 1-4 Family Mortgages | 18.01 | 20.39 | 2.38 |
| Commercial Real Estate | 6.42 | 7.59 | 1.17 |
| Multifamily Real Estate | 1.42 | 1.25 | (0.17) |
| Commercial & Industrial Loans | 6.44 | 10.83 | 4.39 |
| Deposits | 97.44 | 92.23 | (5.21)*** |
| Median Rolling Four-Quarter Performance Ratios | |||
| Return on Assets | (4.20) | (0.73) | 3.47*** |
| Return on Equity | (116.31) | (19.16) | 97.15*** |
| Yield on Earning Assets | 8.55 | 8.48 | (0.07) |
| Cost of Funding Earning Assets | 4.15 | 4.11 | (0.04) |
| Net Interest Margin | 4.75 | 4.54 | (0.21) |
| Noninterest Income to Earning Assets | 1.49 | 1.01 | (0.48) |
| Noninterest Expense to Earning Assets | 8.11 | 6.81 | (1.30) |
| Net Operating Income to Assets | (4.33) | (0.77) | 3.56*** |
| Net Charge-offs to Loans | 3.17 | 1.37 | (1.80) |
| Loss Provision to Average Assets | 1.96 | 0.60 | (1.36)*** |
| Loss Provision to Net Charge-offs | 118.54 | 54.30 | (64.24)** |
| Efficiency Ratio | 133.11 | 98.59 | (34.52) |
| Median Condition Ratios | |||
| Loss Allowance to Loans | 2.73 | 2.23 | (0.50) |
| Loss Allowance to Noncurrent (Coverage Ratio) | 61.40 | 51.27 | (10.13) |
| Noncurrent & OREO to Assets | 7.89 | 4.80 | (3.09) |
| OREO to Assets | 1.10 | 1.06 | (0.04) |
| Noncurrent RE Loans to RE Loans | 2.98 | 3.08 | 0.10 |
| Noncurrent Loans & Leases to Loans & Leases | 8.53 | 5.73 | (2.80) |
| Noncurrent Loan Growth | 22.71 | (29.97) | (52.68)* |
| Equity Capital Ratio | 1.00 | 5.28 | 4.28*** |
| Core Capital (Leverage) Ratio | 0.77 | 5.28 | 4.51*** |
| Equity Capital plus Reserves to Assets | 3.80 | 7.58 | 3.78*** |
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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 |