Federal Deposit
Insurance Corporation

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



Home > Industry Analysis > Research & Analysis > FDIC Banking Review




FDIC Banking Review

Table 13 - Operating Performance Measures of Community Banks in Great Plains Depopulating Counties, by Segment, 1999-2003
Statistics High Growth/High Earnings Banks Low Growth/High Earnings Banks Middle Cross Banks High Growth/Low Earnings Banks Low Growth/Low Earnings Banks
Equity Capital Ratio (year-end 2003, %) 11.22 13.07 11.26 9.32 11.38
Growth Rates (1999-2003, annualized %)
  Assets 7.47 0.56 3.99 9.10 -0.80
  Loans 9.21 2.30 5.31 9.82 0.55
  Deposits 6.64 0.27 3.16 8.63 -1.08
  Core Deposits 5.89 0.41 2.60 8.03 -0.80
  NonCore Funding 15.43 1.15 11.32 14.78 -1.23
Branching Characteristics (% of institutions)
  Unit Banks 38.78 70.45 53.57 34.69 65.57
  Multibranch—all in HQ county 14.29 20.45 13.93 16.33 19.67
  Multibranch—some branches in metro counties 6.12 2.27 8.93 16.33 4.92
  Multibranch—no metro branches but some in growing counties 18.37 0.00 8.21 10.20 4.92
  Multibranch—but only in depopulating counties 22.45 6.82 15.36 22.45 4.92
Earnings Ratios (1999-2003, annualized %)
  Pretax Return on Assets 1.96 1.90 1.44 0.76 0.64
  Net Interest Margin 4.49 4.28 4.15 4.07 3.87
  Yield on Earning Assets 7.53 7.03 7.13 7.25 6.97
  Yield on Total Loans 8.53 8.49 8.42 8.41 8.40
  Cost of Funds 3.19 2.94 3.12 3.21 3.22
  Noninterest Income/Average Assets 0.68 0.52 0.56 0.65 0.59
  Noninterest Expense/Average Assets 2.67 2.48 2.74 3.25 3.18
    Salaries and Benefits Expense 1.55 1.48 1.59 1.83 1.84
    Premises Expense 0.32 0.29 0.34 0.46 0.41
    Other Noninterest Expense 0.79 0.71 0.81 0.96 0.92
  Provision for Loan Losses/Average Assets 0.20 0.07 0.20 0.35 0.34
Asset Quality Ratios (1999-2003, annualized %)
  Past-Due and Nonaccrual Loans/Total Loans 2.21 2.47 2.78 3.25 3.75
  Charged-Off Loans/Total Loans 0.21 0.13 0.31 0.44 0.55
Asset Composition (1999-2003, annualized %)
  Earning Assets 92.06 92.02 91.84 90.80 91.36
  Total Loans 64.68 53.85 56.16 61.19 52.21
  Securities 23.87 31.03 31.05 25.06 31.77
Loan Composition (1999-2003, annualized %)
    Agricultural (RE secured and operating) 45.75 59.81 51.54 45.75 47.99
    Commercial and Industrial (not RE secured) 16.45 12.06 14.67 16.45 15.12
    1-4 Family Residential (all liens) 15.33 10.13 12.72 12.95 14.99
    Commercial Real Estate 10.60 7.25 9.72 11.69 9.54
    Consumer 10.21 8.61 9.59 11.66 11.01
Notes: Branch data are as of June 30, 2003.
   Growth rates are merger-adjusted.
   "Commercial Real Estate" loans consist of nonresidential real estate, construction and development, and multifamily housing loans.
Source: Bank and Thrift Call Reports, institutions meeting the following descriptives:
   1. December 31, 2003 total assets of $250 million or less;
   2. established in 1993 or earlier; and
   3. headquartered in rural counties in the Great Plains that have declining populations since 1970.



Last Updated 02/11/2005 Questions, Suggestions & Requests

Skip Footer back to content