Each depositor insured to at least $250,000 per insured bank



Home > Industry Analysis > Bank Data & Statistics > Statistics at a Glance




Statistics at a Glance
As of December 31, 2008
Dollar Amounts in Billions

Fourth Quarter 2008
All Insured Institutions Commercial Banks Savings Institutions Asset Concentration Group
Credit Card Lenders International Banks Agricultural Banks Commercial Lenders Mortgage Lenders Consumer Lenders Other Specialized < $1 Billion All Other < $1Billion All Other > $1Billion
Number of FDIC-Insured 8,305 7,085 1,220 26 5 1,558 4,752 838 91 281 710 44
Number of FDIC-Supervised 5,098 4,688 410 10 0 1,084 3,001 343 49 165 434 12
Total Assets $ 13,847 12,313 1,534 513 3,410 169 5,466 998 122 35 95 3,041
Total Loans $ 7,875 6,840 1,035 385 1,288 112 3,826 665 97 8 54 1,440
Domestic Deposits $ 7,496 6,543 953 176 1,075 136 3,703 548 86 25 77 1,671
Net Income (QTR) $ -32.109 -26.047 -6.062 -0.273 -0.320 0.290 -19.771 -3.972 -0.492 0.060 0.171 -7.803
Percent Profitable (QTR) % 67.4 67.7 66.0 53.8 80.0 82.5 58.6 73.6 72.5 73.0 84.6 54.5
Average Return on Assets (QTR) % -0.94 -0.86 -1.60 -0.22 -0.04 0.70 -1.47 -1.61 -1.65 0.70 0.73 -1.06
Average Return on Equity (QTR) % -9.88 -8.97 -17.40 -1.08 -0.53 6.32 -14.18 -20.99 -16.92 3.72 6.46 -11.26
Net Interest Margin (QTR) % 3.34 3.39 2.96 11.10 3.12 3.94 3.60 2.84 3.73 2.82 3.88 1.96
Equity to Assets % 9.36 9.40 9.04 20.44 7.01 11.01 10.11 7.49 9.85 18.56 11.31 9.11
Noncurrent Loan Rate - Total Loans * % 2.93 2.91 3.10 2.78 3.84 1.43 2.84 3.37 1.48 1.03 1.43 2.47
Real Estate Loans % 3.80 3.89 3.41 2.73 5.09 1.78 3.67 3.49 2.15 1.08 1.57 3.82
C&I Loans % 1.69 1.69 1.76 3.74 3.21 1.84 1.35 1.10 0.40 1.49 1.91 1.03
Consumer Loans % 1.77 1.81 1.34 2.82 2.12 0.82 1.13 1.31 1.00 0.52 0.76 0.84
Coverage Ratio ** % 75.02 78.56 53.09 255.14 72.75 92.09 65.44 39.85 164.59 133.07 87.44 70.66
Net Charge-Off Rate - All Loans (QTR) % 1.92 1.91 1.96 6.96 1.85 0.74 1.83 1.78 2.14 0.48 0.54 1.16
Real Estate Loans (QTR) % 1.65 1.65 1.63 4.56 1.84 0.55 1.74 1.77 1.58 0.17 0.29 1.25
C&I Loans (QTR) % 1.65 1.56 3.40 9.96 1.24 2.11 1.78 0.98 3.61 0.51 1.19 0.88
Consumer Loans (QTR) % 4.06 4.06 4.09 7.09 3.64 1.12 3.01 2.87 2.62 0.93 1.28 1.78
Fourth Quarter 2007
Number of FDIC-Insured 8,534 7,283 1,251 27 5 1,592 4,773 784 109 373 815 56
Number of FDIC-Supervised 5,198 4,773 425 10 0 1,104 2,962 317 55 230 499 21
Total Assets $ 13,034 11,176 1,858 479 2,784 158 4,619 1,328 95 38 110 3,423
Total Loans $ 7,907 6,626 1,280 368 1,237 105 3,262 943 77 9 63 1,843
Domestic Deposits $ 6,913 5,808 1,105 142 743 128 3,150 737 71 26 90 1,826
Net Income (QTR) $ 0.575 8.841 -8.266 2.326 -1.383 0.413 2.687 -6.728 0.148 0.194 0.252 2.666
Percent Profitable (QTR) % 81.0 82.0 75.4 85.2 60.0 88.8 78.1 78.1 78.9 71.3 89.9 85.7
Average Return on Assets (QTR) % 0.02 0.32 -1.75 2.01 -0.20 1.07 0.24 -1.97 0.62 2.09 0.92 0.32
Average Return on Equity (QTR) % 0.17 3.16 -15.34 9.18 -2.55 9.47 2.14 -22.22 4.98 10.43 8.04 3.09
Net Interest Margin (QTR) % 3.32 3.40 2.86 8.98 2.73 3.98 3.58 2.52 4.42 3.10 3.73 2.95
Equity to Assets % 10.34 10.23 11.01 21.26 8.01 11.17 11.00 8.38 12.62 19.98 11.46 10.32
Noncurrent Loan Rate - Total Loans * % 1.40 1.31 1.87 2.01 1.44 1.05 1.33 1.88 1.97 0.78 0.94 1.15
Real Estate Loans % 1.73 1.64 2.01 1.81 2.02 1.21 1.65 1.94 3.15 0.83 0.98 1.61
C&I Loans % 0.65 0.64 0.94 2.21 0.33 1.35 0.74 0.87 0.75 1.21 1.16 0.54
Consumer Loans % 1.43 1.48 0.98 2.10 2.09 0.73 0.66 0.96 0.94 0.49 0.78 0.83
Coverage Ratio ** % 92.63 102.55 56.64 208.49 101.34 122.84 93.55 47.56 61.56 171.15 124.59 80.25
Net Charge-Off Rate - All Loans (QTR) % 0.84 0.87 0.69 4.24 1.05 0.32 0.62 0.67 1.03 0.26 0.38 0.55
Real Estate Loans (QTR) % 0.45 0.44 0.49 2.61 0.68 0.20 0.45 0.55 0.16 0.04 0.18 0.30
C&I Loans (QTR) % 0.88 0.86 1.27 5.13 0.97 0.69 0.72 1.36 2.61 0.38 0.88 0.54
Consumer Loans (QTR) % 2.75 2.77 2.54 4.39 2.88 0.77 1.57 3.16 1.83 0.95 1.04 1.92

* Nonaccruing loans and loans past due 90+ days.

** Loss reserve as a percentage of noncurrent loans.

Last Updated 03/18/2009 Questions, Suggestions & Requests