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Statistics at a Glance
As of September 30, 2006
Dollar Amounts in Billions
Third Quarter 2006
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 8,743 7,450 1,293 4 1,691 29 4,711 846 125 396 886 55
Number of FDIC-Supervised 5,237 4,796 441 0 1,173 11 2,842 339 65 240 541 26
Total Assets $ 11,758 9,765 1,992 2,129 152 382 4,671 1,792 107 41 117 2,366
Total Loans $ 7,169 5,735 1,434 887 102 272 3,255 1,261 85 9 66 1,232
Domestic Deposits $ 6,475 5,323 1,152 601 122 70 3,217 1,019 76 28 95 1,246
Net Income (QTR) $ 37.629 32.468 5.160 4.815 0.492 3.879 15.333 4.651 0.419 0.223 0.311 7.506
Percent Profitable (QTR) % 92.6 93.1 89.6 100.0 97.0 96.6 92.3 89.1 92.0 77.0 95.5 96.4
Average Return on Assets (QTR) % 1.29 1.34 1.06 0.92 1.31 4.09 1.32 1.06 1.60 2.17 1.06 1.28
Average Return on Equity (QTR) % 12.47 13.06 9.68 11.77 12.11 15.07 12.91 9.98 16.22 9.58 9.74 13.01
Net Interest Margin (QTR) % 3.38 3.48 2.90 2.44 4.06 9.54 3.78 2.63 4.95 3.22 3.70 2.96
Equity to Assets % 10.46 10.36 10.91 7.82 10.94 27.18 10.39 10.53 9.77 22.70 11.11 9.94
Noncurrent Loan Rate - Total Loans * % 0.73 0.74 0.71 0.90 0.86 1.90 0.64 0.65 0.77 0.72 0.76 0.65
Real Estate Loans % 0.70 0.71 0.69 1.08 0.87 1.84 0.65 0.64 0.69 0.74 0.76 0.79
C&I Loans % 0.73 0.72 0.97 0.78 1.39 1.59 0.70 0.89 1.19 1.11 1.10 0.62
Consumer Loans % 1.17 1.22 0.75 1.54 0.75 1.94 0.66 0.62 0.77 0.63 0.61 0.58
Coverage Ratio ** % 148.42 163.68 85.10 141.80 157.34 213.38 174.16 69.03 169.54 199.62 163.02 123.42
Net Charge-Off Rate - All Loans (QTR) % 0.40 0.43 0.27 0.64 0.15 3.86 0.19 0.18 1.21 0.12 0.17 0.23
Real Estate Loans (QTR) % 0.07 0.07 0.06 0.13 0.05 0.76 0.08 0.06 0.10 0.03 0.03 0.04
C&I Loans (QTR) % 0.30 0.27 0.73 0.08 0.36 3.46 0.30 0.14 3.88 0.06 0.36 0.21
Consumer Loans (QTR) % 2.25 2.23 2.41 2.70 0.60 3.98 0.88 2.49 1.52 0.61 0.66 1.23
Third Quarter 2005
Number of FDIC-Insured 8,858 7,541 1,317 4 1,733 29 4,557 928 125 420 992 70
Number of FDIC-Supervised 5,247 4,796 451 0 1,199 10 2,733 376 70 244 583 32
Total Assets $ 10,701 8,904 1,797 1,839 143 360 3,667 1,677 109 48 129 2,729
Total Loans $ 6,577 5,266 1,311 816 94 267 2,572 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) $ 34.659 29.803 4.856 4.632 0.473 2.892 12.571 4.242 0.474 0.211 0.356 8.809
Percent Profitable (QTR) % 93.9 94.2 92.3 100.0 97.6 93.1 93.5 92.6 96.0 82.1 95.4 95.7
Average Return on Assets (QTR) % 1.31 1.35 1.10 1.02 1.33 3.16 1.39 1.03 1.76 1.77 1.12 1.31
Average Return on Equity (QTR) % 12.70 13.30 9.92 12.34 12.23 14.43 13.54 9.58 18.23 9.21 10.27 13.33
Net Interest Margin (QTR) % 3.50 3.60 3.03 2.55 4.16 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 10.86 22.07 10.21 10.67 9.58 19.26 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 0.83 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 0.82 0.66
C&I Loans % 0.89 0.88 1.01 1.27 1.48 1.15 0.83 0.84 0.80 0.96 1.30 0.68
Consumer Loans % 1.13 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 92.83 146.29 158.50 253.52 199.38 64.53 256.39 191.81 154.45 156.65
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 0.03 0.19 0.07 0.02 0.10 0.06 0.06 0.04
C&I Loans (QTR) % 0.25 0.20 1.04 -0.19 0.42 2.34 0.39 0.24 2.76 0.16 0.39 0.17
Consumer Loans (QTR) % 2.90 3.04 1.69 4.93 0.91 4.63 1.00 1.21 1.80 0.79 0.76 1.13

* Nonaccruing loans and loans past due 90+ days

** Loss reserve as a percentage of noncurrent loans

Last Updated 11/21/2006 Questions, Suggestions & Requests