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Home > Industry Analysis > Research & Analysis > FDIC Banking Review |
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FDIC Banking Review |
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| Table 3
Comparison of Low-Cost and High-Cost Failures |
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| Low-Cost | High-Cost | Difference | |
|---|---|---|---|
| AS OF THE PCA DATE | |||
| Number of Institutions | 16 | 29 | 13.1 |
| Median Total Assets ($MM) | 66 | 64 | (2) |
| Median Asset Growth | (18.04) | (11.92) | 6.12 |
| Institutions with CAMELS Rating of 4 or 5 (%) | 93.80 | 93.10 | (0.70) |
| Median Balance Sheet Percentages | |||
| Investment Securities | 10.14 | 8.74 | (1.40) |
| 1-4 Family Mortgages | 15.61 | 9.42 | (6.19)* |
| Commercial Real Estate | 15.93 | 17.57 | 1.64 |
| Multifamily Real Estate | 1.55 | 1.01 | (0.54) |
| Commercial & Industrial Loans | 10.51 | 11.00 | 0.49 |
| Deposits | 95.13 | 97.30 | 2.17* |
| Median Rolling Four-Quarter Performance Ratios | |||
| Return on Assets | (5.23) | (5.92) | (0.69)* |
| Return on Equity | (106.23) | (134.99) | (28.76)* |
| Yield on Earning Assets | 8.11 | 8.42 | 0.31 |
| Cost of Funding Earning Assets | 3.69 | 4.16 | 0.47* |
| Net Interest Margin | 4.41 | 4.80 | 0.39 |
| Noninterest Income to Earning Assets | 1.36 | 2.02 | 0.66 |
| Noninterest Expense to Earning Assets | 7.87 | 9.23 | 1.36 |
| Net Operating Income to Assets | (4.85) | (5.73) | (0.88)* |
| Net Charge-offs to Loans | 3.85 | 3.09 | (0.76) |
| Loss Provision to Average Assets | 2.44 | 3.71 | 1.27 |
| Loss Provision to Net Charge-offs | 129.41 | 119.57 | (9.84) |
| Efficiency Ratio | 117.61 | 138.75 | 21.14 |
| Median Condition Ratios | |||
| Loss Allowance to Loans | 4.50 | 4.37 | (0.13) |
| Loss Allowance to Noncurrent (Coverage Ratio) | 69.03 | 37.85 | (31.18)*** |
| Noncurrent & OREO to Assets | 6.44 | 12.92 | 6.48*** |
| OREO to Assets | 0.46 | 4.17 | 3.71** |
| Noncurrent RE Loans to RE Loans | 4.35 | 9.20 | 4.85** |
| Noncurrent Loans & Leases to Loans & Leases | 5.67 | 11.37 | 5.70** |
| Noncurrent Loan Growth | 14.21 | 31.86 | 17.65 |
| Equity Capital Ratio | 2.09 | 0.78 | (1.31)* |
| Core Capital (Leverage) Ratio | 2.03 | 0.98 | (1.05)** |
| Equity Capital plus Reserves to Assets | 5.79 | 3.95 | (1.84) |
| AS OF MID-YEAR BEFORE PCA DATE, OR MOST RECENT EXAM | |||
| Median Economic Condition Measures | |||
| Problem Bank Index | 0.01 | 0.11 | 0.10* |
| Geographic Diversification Index | 1.00 | 1.00 | 0.00 |
| Median Examiner Classification Ratios | |||
| Reserves to Estimated Reserves | 114.13 | 97.02 | (17.12) |
| Classified Assets to Assets | 12.20 | 13.77 | 1.57 |
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Note: For failed institutions that did not file a Call Report or TFR showing that they were critically undercapitalized, the Final Call Report or TFR 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 |