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Table 1. Summary Statistics in Level (as a percentage unless indicated otherwise)
Variable Name
(1) |
Full Set of Data
(2) |
In 1989
(3) |
In 2000
(4) |
| Obs |
Mean (Std. Dev.) |
Obs |
Mean (Std. Dev.) |
Obs |
Mean (Std. Dev.) |
| Uninsured deposit 1/ |
20630 |
94,747
(633,882) |
1846
|
91,110
(655,872) |
830 |
153,909
(1,061,837) |
| Total deposits 1/ |
20630 |
478,418
(4,281,228) |
1846 |
409,267
(2,728,150) |
830 |
809,934
(9,181,614) |
| Dependent Variable |
|
| UninsDep |
20630 |
14.91
(13.98) |
1846 |
13.75
(13.74) |
830 |
19.16
(15.17) |
| Price Factors |
|
| UninsIntMarg |
20030 |
1.59
(1.55) |
1761 |
2.21
(1.57) |
826 |
1.74
(0.93) |
| JumboIntMarg |
20030 |
-0.01
(1.48) |
1761 |
-0.04
(1.41) |
826 |
0.03
(0.91) |
| DepIntMarg |
20601 |
-0.33
(0.83) |
1843 |
-0.44
(0.92) |
829 |
-0.19
(0.77) |
| Bank Specific Variables |
|
| Assets 1/ |
20630 |
725,633
(6496123) |
1846 |
666,980
(4882174) |
830 |
1,088,684
(11,900,000) |
| Size |
20630 |
12.49
(0.86) |
1846 |
12.44
(0.89) |
830 |
12.69
(0.86) |
| AssetGrowth |
18768 |
8.64
(54.54) |
1839 |
6.34
(12.56) |
830 |
7.59
(12.70) |
| Equity |
20630 |
9.02
(3.31) |
1846 |
8.20
(2.48) |
830 |
10.46
(4.37) |
| RoA |
20630 |
1.11
(1.06) |
1846 |
1.08
(0.74) |
830 |
1.30
(0.82) |
| Loans |
20630 |
59.26
(15.13) |
1846 |
60.81
(15.00)> |
830 |
62.67
(14.97) |
| ResidLoans |
20621 |
34.70
(22.67) |
1845 |
31.17
(21.25)> |
829 |
40.28
(24.98) |
| NonCLoans |
20375 |
1.70
(2.21) |
1763 |
1.87
(2.07) |
829 |
0.76
(1.08) |
| Macroeconomic Variables |
|
| GDP |
20630 |
3.03
(1.46) |
1846 |
3.55
(0.00) |
830 |
5.09
(0.00) |
| Infl |
20630 |
2.70
(0.82) |
1846 |
3.96
(0.00) |
830 |
2.23
(0.00) |
| Treas1 |
20630 |
6.11
(1.44) |
1846 |
8.44
(0.00) |
830 |
6.17
(0.00) |
1/ In thousands of 1996 U.S. dollars.
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