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Statistics at a Glance
As of September 30, 2005
Dollar Amounts in Billions
Third Quarter 2005
All Insured Institutions Commercial Banks Savings Institutions Asset Concentration Group
International Banks Agricultural Banks Credit Card Lenders Commercial Lenders Mortgage Lenders Consumer Lenders Other Specialized < $1 Billion All Other < $1Billion All Other > $1Billion
Number of FDIC-Insured 8,854 7,540 1,314 4 1,732 29 4,553 928 125 420 993 70
Number of FDIC-Supervised 5,245 4,795 450 0 1,199 10 2,731 376 70 244 583 32
Total Assets $ 10,700 8,904 1,796 1,839 143 360 3,667 1,677 109 48 129 2,729
Total Loans $ 6,577 5,266 1,311 816 94 267 2,571 1,198 85 12 72 1,462
Domestic Deposits $ 6,066 5,014 1,052 562 115 97 2,588 955 65 33 105 1,546
Net Income (QTR) $ 34.637 29.776 4.860 4.632 0.477 2.892 12.579 4.247 0.474 0.210 0.357 8.769
Percent Profitable (QTR) % 94.0 94.4 92.3 100.0 97.7 93.1 93.6 92.6 96.8 82.1 95.6 95.7
Average Return on Assets (QTR) % 1.31 1.35 1.10 1.02 1.35 3.16 1.39 1.03 1.76 1.77 1.12 1.30
Average Return on Equity (QTR) % 12.69 13.29 9.93 12.34 12.34 14.43 13.55 9.59 18.23 9.18 10.27 13.27
Net Interest Margin (QTR) % 3.50 3.60 3.03 2.55 4.17 9.01 3.97 2.75 4.75 2.99 3.79 3.13
Equity to Assets % 10.25 10.10 10.99 8.23 10.87 22.07 10.21 10.67 9.58 19.27 10.83 9.66
Noncurrent Loan Rate - Total Loans * % 0.74 0.75 0.69 1.02 0.88 1.83 0.61 0.73 0.67 0.78 0.82 0.62
Real Estate Loans % 0.67 0.66 0.69 1.07 0.85 1.00 0.56 0.75 0.51 0.77 0.81 0.66
C&I Loans % 0.89 0.88 1.02 1.27 1.48 1.15 0.82 0.84 0.80 0.96 1.30 0.68
Consumer Loans % 1.14 1.20 0.58 1.49 0.80 1.92 0.51 0.37 0.72 0.76 0.65 0.69
Coverage Ratio ** % 162.98 179.00 92.83 146.29 158.46 253.52 199.52 64.50 256.36 191.62 155.05 156.50
Net Charge-Off Rate - All Loans (QTR) % 0.51 0.59 0.20 1.19 0.16 4.28 0.23 0.10 1.39 0.18 0.20 0.26
Real Estate Loans (QTR) % 0.05 0.06 0.02 0.08 0.04 0.19 0.07 0.02 0.10 0.06 0.05 0.04
C&I Loans (QTR) % 0.25 0.20 1.04 -0.19 0.39 2.34 0.38 0.24 2.76 0.16 0.38 0.17
Consumer Loans (QTR) % 2.90 3.04 1.69 4.93 0.91 4.63 1.00 1.21 1.80 0.80 0.75 1.13
Third Quarter 2004
Number of FDIC-Insured 9,024 7,660 1,364 6 1,783 35 4,385 1,000 136 458 1,138 83
Number of FDIC-Supervised 5,265 4,797 468 0 1,230 11 2,572 405 74 261 675 37
Total Assets $ 9,877 8,245 1,632 1,566 138 368 3,195 1,405 212 54 148 2,792
Total Loans $ 5,981 4,815 1,166 621 88 270 2,183 1,022 162 14 83 1,539
Domestic Deposits $ 5,564 4,587 977 403 111 103 2,229 805 104 40 120 1,648
Net Income (QTR) $ 32.443 27.725 4.718 3.373 0.453 3.598 10.600 3.980 0.594 0.205 0.419 9.220
Percent Profitable (QTR) % 94.1 94.4 92.8 100.0 97.0 85.7 93.3 94.3 95.6 85.6 96.2 95.2
Average Return on Assets (QTR) % 1.33 1.36 1.17 0.86 1.33 4.10 1.34 1.15 1.16 1.53 1.14 1.34
Average Return on Equity (QTR) % 13.54 14.17 10.71 11.97 12.40 21.06 13.13 13.21 10.67 9.16 10.66 13.52
Net Interest Margin (QTR) % 3.62 3.71 3.18 2.67 4.14 8.76 3.92 3.12 4.04 3.02 3.89 3.34
Equity to Assets % 10.13 9.97 10.98 7.27 10.87 20.78 10.40 8.74 13.62 16.95 10.92 10.25
Noncurrent Loan Rate - Total Loans * % 0.85 0.91 0.58 1.66 1.03 1.77 0.69 0.74 0.74 0.92 0.94 0.64
Real Estate Loans % 0.65 0.69 0.54 0.92 0.96 0.07 0.61 0.72 0.84 0.85 0.90 0.55
C&I Loans % 1.41 1.43 1.09 3.09 1.73 1.32 1.02 1.25 1.43 1.35 1.55 1.15
Consumer Loans % 1.32 1.39 0.67 2.33 0.80 1.94 0.57 0.61 0.49 0.90 0.81 0.77
Coverage Ratio ** % 165.49 171.23 127.99 115.30 143.05 255.85 196.30 72.55 202.13 179.98 145.42 196.59
Net Charge-Off Rate - All Loans (QTR) % 0.51 0.57 0.24 0.89 0.20 4.24 0.28 0.10 1.10 0.27 0.26 0.26
Real Estate Loans (QTR) % 0.07 0.08 0.04 0.07 0.06 0.07 0.09 0.03 0.26 0.03 0.06 0.05
C&I Loans (QTR) % 0.45 0.41 1.06 0.35 0.53 5.26 0.55 0.37 1.96 0.47 0.63 0.18
Consumer Loans (QTR) % 2.58 2.64 1.99 2.87 0.68 4.62 1.17 1.28 2.01 1.31 1.01 1.65

* Nonaccruing loans and loans past due 90+ days.

** Loss reserve as a percentage of noncurrent loans.

Last Updated 11/22/2005 Questions, Suggestions & Requests