| Table A.9 - Banking-Sector Balance-Sheet Ratios, Assets, and Liabilities, Commercial Banks vs. Savings Institutions 1985, 1994 and 2003 |
| A. Assets as of June |
| |
Commercial Banks |
Savings Institutions |
| |
Community |
Midsize |
Top 25 |
Community |
Midsize |
Top 25 |
| |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
| Consumer Credit |
12.8 |
8.9 |
5.8 |
13.1 |
13.3 |
9.3 |
8.0 |
10.8 |
9.9 |
4.4 |
3.3 |
3.1 |
4.4 |
4.0 |
8.2 |
2.6 |
4.3 |
2.1 |
| Home mortgages |
10.8 |
16.0 |
16.8 |
7.7 |
15.0 |
16.2 |
4.7 |
11.8 |
17.0 |
49.5 |
46.4 |
38.4 |
40.4 |
43.9 |
37.4 |
52.4 |
46.4 |
60.0 |
| Commercial & Industrial loans |
14.8 |
9.7 |
10.6 |
20.0 |
15.1 |
11.2 |
28.9 |
15.9 |
12.4 |
1.2 |
1.1 |
3.0 |
2.2 |
0.9 |
3.9 |
0.0 |
1.1 |
1.9 |
| Domestic Commercial & Industrial loans |
14.7 |
9.6 |
10.6 |
19.1 |
14.8 |
10.9 |
16.0 |
10.8 |
9.8 |
1.2 |
1.1 |
3.0 |
2.2 |
0.9 |
3.9 |
0.0 |
1.1 |
1.9 |
| Small Commercial & Industrial loans |
N.A |
8.3 |
8.3 |
N.A |
4.7 |
4.3 |
N.A |
1.9 |
1.9 |
N.A |
0.9 |
2.3 |
N.A |
0.5 |
1.7 |
N.A |
0.2 |
0.5 |
| Commercial real estate |
5.4 |
10.4 |
17.0 |
4.7 |
8.8 |
11.9 |
2.5 |
4.7 |
4.1 |
6.7 |
6.4 |
9.1 |
6.7 |
5.2 |
6.0 |
7.2 |
4.1 |
2.1 |
| Small Commercial real estate |
N.A |
8.5 |
11.1 |
N.A |
4.1 |
4.6 |
N.A |
1.6 |
1.3 |
N.A |
4.7 |
5.7 |
N.A |
1.9 |
1.9 |
N.A |
0.4 |
0.5 |
| Construction & land development |
2.2 |
2.2 |
5.4 |
3.8 |
2.0 |
4.8 |
3.3 |
1.2 |
1.7 |
5.1 |
3.3 |
4.2 |
5.7 |
1.5 |
3.5 |
2.5 |
0.3 |
0.7 |
| Multi-Family real estate |
0.5 |
1.0 |
1.5 |
0.5 |
1.0 |
1.8 |
0.4 |
0.6 |
0.6 |
5.5 |
3.8 |
3.3 |
7.4 |
6.9 |
4.3 |
8.4 |
12.4 |
5.9 |
| Farm real estate |
1.2 |
2.1 |
2.7 |
0.2 |
0.4 |
0.5 |
0.1 |
0.1 |
0.1 |
0.0 |
0.0 |
0.1 |
0.0 |
0.0 |
0.0 |
N.A |
0.0 |
0.0 |
| Small farm real estate |
N.A |
2.0 |
2.3 |
N.A |
0.3 |
0.3 |
N.A |
0.1 |
0.0 |
N.A |
0.1 |
0.2 |
N.A |
0.0 |
0.0 |
N.A |
0.0 |
0.0 |
| Farm operating |
4.3 |
3.6 |
2.9 |
0.8 |
0.6 |
0.5 |
0.6 |
0.3 |
0.2 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
N.A |
0.0 |
0.1 |
| Small farm operating |
N.A |
3.4 |
2.5 |
N.A |
0.4 |
0.3 |
N.A |
0.1 |
0.1 |
N.A |
0.0 |
0.1 |
N.A |
0.0 |
0.0 |
N.A |
0.0 |
0.0 |
| Foreign government loans |
0.0 |
0.0 |
0.0 |
0.8 |
0.1 |
0.0 |
3.3 |
0.7 |
0.1 |
N.A |
0.0 |
0.0 |
N.A |
0.0 |
0.0 |
N.A |
0.0 |
0.0 |
| Total loans and leases |
54.2 |
55.0 |
64.0 |
59.7 |
60.4 |
59.9 |
64.9 |
55.6 |
54.9 |
69.5 |
62.9 |
61.3 |
62.8 |
61.6 |
63.8 |
70.3 |
68.7 |
72.9 |
| Securities |
28.6 |
33.6 |
23.1 |
17.1 |
24.4 |
24.5 |
6.1 |
15.8 |
16.4 |
21.9 |
28.2 |
25.9 |
25.0 |
30.5 |
26.2 |
18.6 |
21.3 |
14.4 |
| Mortgage backed securities |
1.6 |
8.2 |
7.5 |
1.1 |
10.3 |
14.2 |
0.4 |
7.7 |
10.3 |
6.9 |
15.2 |
13.0 |
10.4 |
24.2 |
20.0 |
12.1 |
18.0 |
9.8 |
| Other Assets |
17.2 |
11.4 |
12.8 |
23.1 |
15.2 |
15.6 |
29.0 |
28.6 |
28.6 |
8.6 |
8.9 |
12.8 |
12.2 |
7.8 |
10.0 |
11.1 |
10.0 |
12.7 |
| Total Assets |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
| B. Liabilities as of year-end |
| |
Commercial Banks |
Savings Institutions |
| |
Community |
Midsize |
Top 25 |
Community |
Midsize |
Top 25 |
| |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
1985 |
1994 |
2003 |
| Total deposits |
96.1 |
94.8 |
91.5 |
83.5 |
79.8 |
77.5 |
74.2 |
70.5 |
67.1 |
92.4 |
89.8 |
85.6 |
80.4 |
74.2 |
68.3 |
74.0 |
80.4 |
62.0 |
| Domestic deposits |
96.0 |
94.4 |
91.4 |
78.2 |
73.7 |
74.2 |
46.9 |
51.3 |
51.3 |
92.4 |
89.8 |
85.6 |
80.4 |
74.2 |
68.3 |
74.0 |
80.4 |
62.0 |
| Core deposits |
82.8 |
85.1 |
76.8 |
65.5 |
66.1 |
61.2 |
35.6 |
47.3 |
45.6 |
86.1 |
82.3 |
68.0 |
70.7 |
67.0 |
50.9 |
55.6 |
69.0 |
41.9 |
| Other borrowing |
2.4 |
4.1 |
7.6 |
13.2 |
17.5 |
19.1 |
17.5 |
19.1 |
22.2 |
6.4 |
9.4 |
13.3 |
17.4 |
24.2 |
29.6 |
23.2 |
17.1 |
35.3 |
| Subordinated debt |
0.1 |
0.0 |
0.0 |
0.4 |
0.7 |
0.9 |
1.0 |
1.7 |
2.0 |
0.0 |
0.0 |
0.0 |
0.4 |
0.3 |
0.4 |
0.2 |
1.0 |
0.8 |
| Federal Home Loan Bank advances a |
N.A |
1.1 |
5.3 |
N.A |
1.2 |
7.0 |
N.A |
0.2 |
1.8 |
4.3 |
6.2 |
11.8 |
8.6 |
11.7 |
18.5 |
7.6 |
4.9 |
19.2 |
| Other liabilities |
1.4 |
1.0 |
0.8 |
2.9 |
2.0 |
2.6 |
7.2 |
8.7 |
8.7 |
1.2 |
0.9 |
1.0 |
1.8 |
1.3 |
1.7 |
2.6 |
1.5 |
1.9 |
| Total liabilities |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
| Memo items |
| Liabilities (% of assets) |
91.8 |
90.6 |
89.9 |
94.0 |
92.3 |
90.2 |
94.8 |
92.7 |
91.4 |
96.6 |
90.9 |
89.2 |
96.6 |
92.7 |
90.8 |
94.7 |
92.1 |
91.0 |
| Equity (% of assets) |
8.2 |
9.4 |
10.1 |
6.0 |
7.7 |
9.8 |
5.2 |
7.3 |
8.6 |
3.3 |
9.1 |
10.8 |
3.4 |
7.3 |
9.2 |
5.3 |
7.9 |
9.0 |
| Volatile liabilities |
15.6 |
13.0 |
18.4 |
31.1 |
28.8 |
29.1 |
56.0 |
40.1 |
39.3 |
12.7 |
16.2 |
27.6 |
27.0 |
30.5 |
44.2 |
41.5 |
28.2 |
55.3 |
| Domestic liabilities |
99.8 |
99.6 |
99.9 |
94.3 |
93.6 |
96.3 |
68.6 |
72.6 |
78.4 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
100.0 |
|
Note: These are aggregate balance-sheet ratios for each size class. Asset categories are measures as a percentage of total assets. Liability categories are measured as a percentage of total liabilities, except where noted.
Bank-level data for commercial banks and savings institutions are classified into the size categories on the basis of size class of their controlling organization.
Community banks are defined as banking organizations (bank and thrift holding companies, independent banks, and independent thrifts) with aggregate bank or thrift assets of less than $1 billion (in 2002 dollars). The top 25 banks are the 25 largest banking organizations, measured in terms of the banking industry assets they controlled at the indicated time. Midsize banks consist of all remaining banking organizations.
a1994 data for commercial banks taken from Federal Housing Finance Board.
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