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Home > Industry Analysis > Research & Analysis > FDIC Banking Review |
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FDIC Banking Review |
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| Table 2
Comparison of Failures and Near-Failures |
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| Failures | Near-Failures | Difference | |
|---|---|---|---|
| AS OF ONE YEAR BEFORE THE PCA DATE | |||
| Number of Institutions | 45 | 39 | (6) |
| Median Total Assets ($MM) | 71 | 59 | (12) |
| Median Asset Growth | (4.21) | 0.34 | 4.55 |
| Institutions with CAMELS Rating of 4 or 5 (%) | 77.80 | 64.10 | (13.70) |
| Median Balance Sheet Percentages | |||
| Investment Securities | 8.93 | 10.35 | 1.42 |
| 1-4 Family Mortgages | 12.20 | 15.28 | 3.08 |
| Commercial Real Estate | 14.38 | 10.76 | (3.62) |
| Multifamily Real Estate | 1.60 | 1.00 | (0.60) |
| Commercial & Industrial Loans | 10.07 | 8.85 | (1.22) |
| Deposits | 92.00 | 92.00 | 0.00 |
| Median Rolling Four-Quarter Performance Ratios | |||
| Return on Assets | (1.20) | (0.72) | 0.48 |
| Return on Equity | (18.01) | (12.89) | 5.12 |
| Yield on Earning Assets | 8.76 | 8.46 | (0.30) |
| Cost of Funding Earning Assets | 3.94 | 4.04 | 0.10 |
| Net Interest Margin | 4.93 | 4.68 | (0.25)* |
| Noninterest Income to Earning Assets | 1.22 | 1.54 | 0.32 |
| Noninterest Expense to Earning Assets | 6.10 | 6.21 | 0.11 |
| Net Operating Income to Assets | (1.27) | (0.75) | 0.52 |
| Net Charge-offs to Loans | 1.40 | 1.48 | 0.08 |
| Loss Provision to Average Assets | 1.46 | 1.21 | (0.25) |
| Loss Provision to Net Charge-offs | 123.47 | 129.06 | 5.59 |
| Efficiency Ratio | 97.83 | 90.36 | (7.47) |
| Median Condition Ratios | |||
| Loss Allowance to Loans | 2.62 | 2.07 | (0.55) |
| Loss Allowance to Noncurrent (Coverage Ratio) | 44.74 | 43.47 | (1.27) |
| Noncurrent & OREO to Assets | 8.56 | 4.62 | (3.94) |
| OREO to Assets | 2.66 | 1.08 | (1.58) |
| Noncurrent RE Loans to RE Loans | 4.10 | 3.14 | (0.96) |
| Noncurrent Loans & Leases to Loans & Leases | 5.62 | 4.33 | (1.29) |
| Noncurrent Loan Growth | 10.64 | 3.92 | (6.72) |
| Equity Capital Ratio | 5.85 | 6.28 | 0.43 |
| Core Capital (Leverage) Ratio | 5.71 | 5.94 | 0.23 |
| Equity Capital plus Reserves to Assets | 8.14 | 7.77 | (0.37) |
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Note: For failed institutions that did not file a Call Report or TFR showing that they were critically undercapitalized, the Call Report or TFR one year before the Final Report was used. *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 |