Fi,el Quarter 1996 

FDIC 

OMsion ot Research 

& Statistics 

Don Inscoe 

A&sociate Director, 

Statistics Branch 

(202) 898-3940 

Tim Crilchfield 

(202) 898-8557 

Jim McFadyen 

(202) 898-1027

Roes Waldrop 

\202) 898-SBSI 

Tue FDIC 

uarterl Y-------R_

lc_kl_Helfe_-'-r,_C_ha_lrm_an_

anking Rofile 

COMMERCIAL BANKING PERFORMANCE - FIRST QUARTER 1996 

• First-Quarter Earnings Surpass $12 Billion

• Industry ROA Exceeds One Percent For Thirteenth Consecutive Quarter

• Higher Fee And Trading Income, Growth In Earning Assets Lift Industry

Profits

• Asset-Quality Indicators Show Slight Deterioration

Insured commercial banks reported net Income

of $12.0billion for the first quarter, an 8.2-porcent

($908-million) Increase over the first quarter of

1995. The average return on asset s (ROA) was

1.12 percent, a slight improvoment from 1.1 o

percent a year ago, and a sl ight decline from

1.13 percent in the fourth quarter of 1995, when

industry earnings also totaled $12.0 billion. Compared to one yoar earlier, higher noninterest

income and increased net nterest income outweighed the impact of increased loan-loss provisions and merger-related expenses. Athough 

t he improvement in ROA was greatest at banks

with less than $1 00 million in assets, a majority

of ban ks in all asset-size groups reported inc reased earnings. More than two out or every 

three ban ks (69 percent) reported higher 

earnings than a year ago, wl1ile 70 percent of 

all banks reported RO As above one pe rcenl. 

Quarterly Net Income, 1992 • 1996

$Oi1101:; 

15 I t,·a1 o�e1a1i,;,:, Ince.me 

• Sc-:1.1rr.1e, .ll'ld Cl'\c,: G;,tr$, Ne

! 

''" 

;l 

I 

I 

12.C· 

�·-

; 

' 

2• 

,:ic. :·� 

' 

l 

i 

i 

1 ;, .J 4 1 ::> 3 4 · � 3 4 1 234 1 

1:ln l!>:1:l ·�!'.1,1. 15!\!i 11.QS 

The growth in noninterest revenues reflected

higher fee income and increased earnings from

trading activities. Industry profits also received

a boost from gains on sales of securities, which

totaled $487 million. This was the highest level

in two years, and a $532-million Improvement

from a year earlier, when securities sales p roduced a net loss of $45 mil lion. The iargest 

contribution to the earnings improvement was

the $2.2-billion increase In net Interest in·

come. This was primarily the result of a 6.7-percent increase in interest-earning assets over the

past twelve months. Net Interest margins were

generally lower than a year ago. The average 

margins for the industry declined for the ten1h

time in the fast thirteen quarters, as average

asset yields fell more rapidly than average funding costs. At 4.26 percent, the industry margin

is 29 basis points below the peak level of 4.55

Quarterly Net Interest Margins, 1992 • 1996 

Nal ln!r.·A�I Mugir I�,) 

45 

' 

1 1 3 • 1 P J C I 2 J 4 

1992 : 9Y3 199i. 

rl 3 4 1 

199G 1996 

Reqvsst� ;o( copies of and SClbscript.ions to the FDIC Oaa,terly Bankfrig Profile should be rr1ade lhrou_qh u�e FD/C's Publ.:c 

lnforma/1on Center, 80117th S:ree!, NW. Wasnington, DC 20434; telephone (202) 416·6940. 

Internet address: World Wide Web, www.la1cgov. or Gcpher. gopher.fa'ic.go•1. 
percent, reached in the fourth quarter of 1992. Margin 

shrinkage was greatest at banks with less than $1 oo 

million in assets. Larger institutions were more successful in limiting declines In asset ylelds. 

Industry assets declined by $4.3 billion in the first 

quarter, due to seasonal reductions in cash items in 

process of collection and balances due from other 

depository institutions. Together, these two asset cale· 

gorles !ell by $32.4 billion from year-end 1995 levels. 

Assets in trading accounts dec ined by $8.9 billion, 

due to rower revaluation gains on off-balance-sheet 

derivatives contracts. Total loans and leases increased 

by $29.3 billion, the smallest quarterly rise in two years. 

Growth in commercial and industrial loans remained 

strong, but credit card loans declined by $13.0 billion, 

due to seasonal pay-downs of card balances and 

securitization of credit card receivables al several large 

credit card banks. Real estate loans grew by $9.7 

billion, the second-lowest quarterly increase in the ast 

eight quarters. Banks' securities holdings grew by 

$563 mlllion, despite a $5.7-blllion drop In the market 

value of their available-for-sale securities. Banks increased their holdings of mortgage-backed securiti

es, 

while reducing their holdings of U.S. Treasury and 

other securities. Assets In trading accounts declined 

by $8.9 billion in the quarter. 

Noncurrent loans - those past due 90 days or more 

plus those in nonaccrual status - rose for only the 

second lime in the last five years, increasing by $659 

million (they also increased in the first quarter of 1995, 

due to changes in GAAP accounting rules). The largest 

increases were in residential mortgage loans, where 

they grew by $261 million, and in commercial and 

industrial loans, where they rose by $243 million. 

Noncurrent agricultural loans had a mostly seasonal 

increase of $180 million, and noncurrent commercial 

real estate loans rose by $115 million. At the end of 

Ouarterly Noncurrent Loan Rates, 1992. 1996* 

%of loans 

s.o � - -- -----------� 

.. .. .. ....

..

..

·•.

/"• ....

C&I "• .... 

..

.. .. 2.5 - , \ • 

Real Estate 

/ ... -·- ...... 

Ot.h1r ' 

..

.

' ...... . 

.... • • • • • •/• • • .,. • :.,... "••••••••••••••••••w-.AA , ........... _ .... ... . 

Loan•to - , _ Individuals - _ _ _ _ _ 

0.0 '--...1.....L....L.....J--,..._.._.._ __ ..._ _ _.__.__,_..,_, 

1992 1993 

FDIC-Insured Commercial Banks 

1994 1995 1996 

2 

March, total noncurrent loans represented 1.18 

percent of total loans, up from 1.17 percent at the end 

of 1995. These are the two lowest percentages in the 

fourteen years that banks have reported noncurrent 

loan amounts. 

Net charge-offs totaled $3.6 billion in the first quarter, 

a 58-percent ($1.3·bllllon) increase from a year earner. 

The annualized net charge-off rate in the first quarter 

was 0.55 percent, the highest first-quarter rate since 

1993, but still well below the record high rate of 1 .30 

percent, set in the first quarter of 1990. Net charge-off 

rates were h gher than a year ago for banks in all 

regions and asset-siie groups. Most of the increase in 

charge-offs during the quarter came from consumer 

loans. Net charge-offs on credt-card loans, at S2 .2 

billion, were $845 million h gher than in the first quarter 

of 1995. Net charge-offs on other consumer 

installment loans totaled $631 million, almost 

two-thirds more than the $389 million that banks 

charged o!f a year earlier. Net charge-offs of 

commercial and industrial loans increased from $218 

million to $422 million. Net charge-offs on real estate 

loans were $73 million (21 percent) lower than a year 

ago. 

Quarterly Net Loan Charge-Off Rates

1992 -1996 

% of L.oans 

3.0 

2 0 

1.0 

0.0 

• • , .,. Loans to Individuals 

¥

/

c&1'· •••••

. ( 

_

. ........... -. .. ...... ,,. ...

.......

.. \ ....

. -.

, 

•

, 

Real Estate 

- .... - - /

Olher ' 

.. ,·· 

1992 1993 

\ I 

19!M 

.

.

•. 

.... 

....... 

.. #· .

.

..

- -

1996 1996 

Equity capital rose by $3.9 billion, to $354 billion, or 

8.21 percent of totat assets. Banks retained $4.4 billion 

of their first-quarter earnings as additions to equity, but 

declines in available-for-sale securities values resulted 

in a net subtraction of $3.5 bltllon from equity. Banks 

increased their loan-loss reserves by $113 mill Ion, 

to $52.9 billion, reversing two quarters of declines. 

Despite this increase, the Industry's "coverage ratio" 

declined slightly, to $1.71 in reserves for every $1.00 

in noncurrent loans, from $1.74 at the end of 1995, due 

to the increase In noncurrent loans. These are the two 

FDIC Quartorly Banking Proflle 

First Quarter 1996 
highest levers for lhe coverage ratio In the 14 years 

thal banks have reported noncurrent loan 

amounts. 

The number of insured commercial banks de­

. clined by 1 00 during the first quarter, to 9,841 

institutions. Mergers absorbed 131 banks, and 

one bank failed, while 29 new banks were chartered and four savings institutions converted to 

commercial bank charters. This is the largest number of new bank charters in a first quarter since 

1990. The number of banks on the FDIC's "Problem list" decltned from 144 banks with $17 billion 

in assets at the end of 1995, to 127 banks with $13 

billion in assets at the end of March. 

Coverage Ratio and Reserve Levels, 1991 • 1996· 

$1:Ml,ns 

200 

Coverage Ratio("') 

200 

160 1eo 

120 120 

eo Loan Rosorvos ($) eo 

···

·

·

·· _,,,.,. 

... ... ..... ... -· .. ·:-:·:. ........... : .. · ......................... . 

,o ___ .....

.........

. ,,.,.,.,.,.- ,o 

....................... . 

Noncurront Loans($) 

n ....__,__._.._'-''-'-'--'--'--'--'-.._'-''-'-'--'--'--'-...u o 

1 2 3 4 1 2 3 4 f 2 3 4 1 2 3 4 1 2 3 4 1 

1991 1992 1993 1994 1995 1096 

• Loan,Lo&S fleservN to Nor.cunent lo&11& a."ld Leese,

Commercial and Industrial Loan Growth Rates• 

March 31, 1995 -March 31, 1996 

CJ L&SS than 0% 

1::9 0%to 5% 

-5%1010%

• Greater than 10%

FD C Quarterly Banking Profil&

First Qua,ter 1996 

Colorado 

13.1 

Hawaii 

-12.1 

Soulh 0.,1tola 

12.7 

,.,;:.=�' � " " 

Midwest 

Central Northeast 

p.,,no Alco 

20-2

... 

•some groW1h rates have been adjusted to retoct significant inters1ate migrations. See Notes to Users.

3 FDIC-Insured Commorcial Banks 
TABLE l·A. Selected Indicators, FDIC-Insured Commercial Banks 

1996" 1995" 1995 1994 1993 1992 --1001 

FIE:ilurn on .as�a1o {%) .... ............. ... 1.12 1.10 1.17 1.15 1.20 0.93 0.53 

Return on e,q11it)' (°A) ................................................. 19.70 14.00 14.67 14.61 15.34 12.98 7.04 

Core copl!•I Q.v•rag•) raUo {%) ............................... 7.G9 7.GG 7.62 7.6,i 7.65 7.20 6.48 

NooourrMt 3$$.C,s p,us 

ulh1:1r ,1101 y.sl«ht o wrltlld 10 no::.ab (%) ..... O.BG 0.99 0.85 1.01 1.61 2.54 3.02 

Net chsrg�offl't to loans(%) . , ................................... 0.55 o.�8 0.49 0.50 O.Sb 1.27 1.59 

A&St.}1 g1uv,1.h rat�{%} ··· ················· ······•········· 4.67 7.10 7.53 8.21 5.72 2.19 1.?.?. 

N� intP.u�m m:lrnin (�) ............................................. 4.26 4.;J1 4.29 4.;J� 4.40 4.41 4.11 

Net opcmtln1:1 lncorn& growth{%} ..... ..... .............. ... 4.56 3.98 7.59 16.17 35.97 92.41 ·0.63

Number or in:sl ilution& reporli.119 .... .... ............ .......... 9,841 10,242 9,9'11 10 451 10,AAB 11,462 11,!121 

PN��gP. of UOflfOlitablP. institulion� ................. .... j 3.31 a.49 :uu 3.97 4.09 6.85 11.00 

Number of )JtulJl�111 lns.tituUons ........ , 127 215 1•1'1 247 426 787 1,016 

A!t.�P.1� of r,r1>1'>1cim in�titulioM (in billiom:) ................. $13 $27 $17 $�3 $242 $408 $528 

Numb�r <>f 1..._lh:1d!c1:s�ris10d Institutions 1 3 G 11 42 100 108 

'Through March 31, ratios annualized where appropriate. As6et growth r�tes Rrefor l? rnonlhr, P.ndin!) M;\re,h �i I, 

TABLE 11-A. Aggregate Condition and Income Data, FDIC-Insured co__m_m_e_r_c_la_l_B_a_n_kc.s ___ _ 

(dollar nguret In ml/lion,) 

· ·· Prollm'rnary · 

Number of in�Hlulioni; reporting .. , ............ .. 

T olal orrproyoos (fulHime �quiv::tlcnt) ................................... .. 

CONDITION DATA 

Total a&.sets ...... , ... , ............ .. . 

loa11::. s"'cur�d t.,y r&al ostat� 

Commercial 

& indu&trisl loans 

l1>,1n� 10 individuat� .......................................................... . 

F'arn1 lo<:6.h::. ..... .... ............ ...... . 

OU-.P.r l�:\n!t. A. P.��P.i., ... ,, ................................................. ..

Loss.: Unoarn<1d incom� ... ................. ................ ............ .. 

r o4_. 1uans & leases ............... ...... ......................... ............. . 

Le��: RP.S�fVP. for lo�se� .................................................... . 

Net loans & ltc,as':1::0 ............... ... ............. ...... ........ ............. .. 

SP.<::Uft�� .. ............................................................................. 1 

Other rEi�I 1:1s11:1.

t1:1 uw11ed ... .................................. . ·

· ··1 Goodwill end other in1angibles .. . ............ , ... .... ...... .... ... , ... , 

All othP.f at.f:¢ts ..................................................... ...... ........ . 

Tola I liabilities .,nd c:sptal ... ........................... .. .... .......... . ,.� 

NonintP.l'O$I· l:><,aring depci�it� ............................................... .. 

lhlares1·b�a,h1g dt,pooit.s 

Other bortowP.d funds . ................. ............ ............. ,, . .......... • 

Subordina1<:d dOOt ............................................................... ,1 All othf!f li:1hil ti� ........ ................. ............ .... ..................... . 

Equity eapl�tl ..... ............ .... ............ .... ....... .... ........... ... . . 

Losn.s and le9SP.S 30-89 days psst due ....... .... ... ................. . 

Non�ulTf!nt lo:vis 3n'1 lea.�P.� .......... . .......... .... ..................... . 

R�thJc.,1ur�d luitl\S i'nd l�sas ................. ........ ...... ......... . 

OirP.¢1 and indimct investmf!nl� in real eslate ........................ .. 

1 -<4 F'arnlly 1e::.ldM1tltll mortgagas ............. .... ........... ........... . 

r...1ono�9P.-h,<te,kP.'1 �P.curiliM,.,,,,.,,, ........... ........................... . . 

E:arnlng assots ........ ........... ... ..... ..... ....... .... .. ........... .. .. .. 

l.nn!)-1P-rrn i:i��P.tr, (S� years} .................. ............ .................. . 

Volatile lloblllll•s ................. ..... ..................... ............ . 

Foreign oltice deposils .. , ....... .... .. . 

Unu$ed loan co1nmitmP,fltS ..................................................... . 

Oll·balancfHtiP.P.1 del'l\'atives ... . , .................... . 

INCOMED.O.TA 

To1,>,l lntorc$1 lncomo ....................................... .... . 

Total i nter�, expense ..... .. .............. .... , ....... ..... . 

NCI intcrc$t incom� .............................. ............. . 

l'rovl::.1011 f<H loan lo� ...... ................. ............. . 

Total non nlerest income ................... .... ....... .... . 

Total t1011ht<1rvs111:>!f)enso ............. .... ............ .... . 

Sacurilitt::. g.;lins {kisses.} ....................... ............. . 

Applicable income 13xes, ......... ......... ......... ..... . 

Exira.ordinary g,1ins, net ...................................... . 

NYI lnco1n11 ......... ...............................................• 

Net chargc.off:s ......................................... .......... . 

Cash d vidend::. ... .............. .. . 

FDIC-Insured Commercal Banks

Full Year 

1995 

$302-;;in2 

148,179 

154,222 

12,585 

82,.t23 

149,679 

542 

26,150 

?.6 

48,798 

12,193 

31,067 

48,449 

161 QuarteJ 

199ij 

9,841 

1,4.?tl,2/6 

$4,308,334 

1,080,737 

67!i,989 

524,007 

38,010 

:<09,945 

5,627 

2,632,069 

52,940 

2,579,129 

811,669 

5,830 

31,6�8 

1100.047 

4,308;934 

�/0,/GU 

2,�5-1,090 

657,501 

45,277 

226,249 

353,541 

94,?88 

�1,04() 

3,G6G 

b(/ 

630,106 

3:tS,247 

3,758,796 

616,454 

1.290,G61 

4!:i4,493 

::!,24:J,Cf/3 

18,409,�J!_ 

4 

Full Vear 

1994 

f2�/,IJ29 

111,278 

14S,55f 

10.963 

76,276 

144,234 

(571) 

22,420 

(15) 

4•.G24 

11,249 

28,087 

45,ro1 

4\hQuarter 

19CJS 

9,941 

1,464,626 

$4,31?,619 

1,080,062 

661,515 

ti:J�,2SU 

'10,183 

291,ij48 

5,859 

2,602,747 

52,f)'l7 

2,510,920 ,

811,107 

G,065 

30,170 

tlfb,366 

4,31?,619 

611,!JtS 

2,415,647 

666,587 

43,536 

22$.306 

349,628 

:l3,751 

30,387 

3,885 

683 

1�1 Quarter 

1995 

10,242 

1,474,126 

$4,116,029 

1,020,086 

6;>1,854 

489,686 

37,321 

260,697 

G.149 

2,4?3,695 

ti2,71Jij 

2,370,007 

013,367 

7,{132 

26,277 

997,54·

1 

4,116,029 

530,32/ 

2,392,176 

616,4?.0 

40,830 

272,116 

924,162 

30,576 

32,319 

5,499 

686 

625,885 583,164 

329,126 320,265 

3,736.374 3,523,334 

5H7,�3?. 546,a10 

1,200,008 f ,222,320 

454,094 44�,305 

2, t54,ij21 1.�m1,!:152 

%Chann� 

95:t-06!1 

-3.9 

-1.1

4.7 

G.8

8.7 

7.0 

1.9 

18.�

·8.5 

8,6 

0.3 

8.8 

·0.2

-26 5 

20.5 

·2.0 

4.7 

l.G 

5.3 

6.7 

10.9 

·16.9

9.1 

12.1 

·3.0 

·39.3 

·1 7 

8.1 

4.7 

G.7 

12.7 

G.3 

2.7

18.6 

17,f65,204 17,99?.,376 

· -Preliminary 

____ 2.9 

"loChsngP. 

fl.3 

33.2 

5,2 

14.8 

8.1 

NIM 

16.6 

N.IM 

9.4 

H,4 

10.G 

7.6 

1st Querier 

1996 

$77,554 

97,6116 

:l9,90R 

3,601 

22,182 

40,::iHIJ 

487 

6,412 

66 

12,04:J 

1,S90 

1,683 

11,653 

1&1 Quar1er 

1995 

S7'i,asm 

�'1,696 

37,7fl2 

2,696 

10,t57 

37,059 

(45) 

5,961 

94 

11,13� 

?.,279 

6,260 

_11, _ .

145 

%Chal'\je 

95:1-96:1 

- - 7.1 

8.5 

5,9 

34.1 

15.8 

�.s

t�1M 

7.5 

99.8

0.2 

57.S 

22:1 

-�

FDIC Ouarto11y Banking Ptofile 

First Quarter 1996 
T .ABLE Ill-A. First Quarter 1996, FDIC-Insured Commercial Banks 

I Assc1 Sizo Disulbuion Less $100MI1lor, $1 Sllicn 

FIRST OVARTER Prt./lm/11a,y I /\II thon $100 to to 

(The IVBY ii is . .. ) , lnslituticos Milllon �LE�llfon $10 BIiiion 

�umter o• ·ns�i'.u'.ion! reporting 9,841 6,584 283S 349 

TOt:ll :lMP.iS rir.hilJiOf'\S) ........ '""" .... ........ $4 toA,:t $29S.7 $£9?..1 $1,0Al.2 

Tc1.d dei:ooit.s {in bil!ion.s) ..... ...... ............. I 3,025.8 257.2 591.9 751.9 

Net inc:omP. (in millions) ........ .. .................. : 12,043 910 ?,?.4.• �.469 

% of unprofit..il;,_, ln$lilullt;f\S ..................... 3.3 4.0 1.G 3.4 

� or insttutons wilh @:vnin9 ... !JAin s,. ....... 1 68.Q 65.5 76.4 71.9 

Performance Ratios (annualized,%) 

Ylclcl on eain

i

n!J asso1s ............................. 8:Ll 8.28 8.34 8.57 

Co$l of lundlniJ &o1111!1iy as:.-ats ... .........•.. . 4.02 3.60 3.64 3.84 

N�I interest ma,g

i

n .......................... , •.. , .•.. 4 26 4 .58 4 69 4.74 

Nonin:crcst inoomo to oaminQ: .:issc1s ....... VS/ 1.30 1.47 2,4U 

N<ininteresl etpense lo aaming assets ..... <1.33· 3 81 3.82 A.27 

NP.1 or:eu,ting incomP. to Rs:sP.ls ................. 1.08 1.?.2 1.28 1,26 

RP.IJrn er ssse:s 1.. 2 1.23 1.30 1.28 

Aa l urn Oil �GUii�· ............ 13.70 11.78 13.8G 14.U5

N el 1.:h<1.1ya-:.11f� le -:,;,,1w :.•1d l:1.v;e:; .. 0.55 C.1� c.�4 0.05 

Lo�n le ... � r,rovi�o.'l io nc1 �ha1ge·oll� ...... 100,(7 177 .. � 11s�1 1•7.$:1 

Condition Ratios(%) 

Lo ...... :1FowRn::i?. to: 

LoRn!\ 3nd IP.RSP..'>,,., .... ....................... ... ?..01 1.59 1.6S ?.11 

Nooc:.uron� loans and loasos ..... ............ 170.62 1�6.17 1S3.07 W4Jj7 

Nonc.:u!1s,•,l asi.'8�s plus 

(l1hP.r fP..'\I P.!'t(::\iP. O\\'�d In ::liSSP.tS ........... -O.a6 0,85 O.A?. ·�.8!=1 

Equty capital ra6o ... ....... ......................... 8.21 10.45 9.41 tU\� 

Gote c.:<4>!1.d (lev;,,rctga} 1;,.l!o . . ........ ... .... . 7.G9 10.37 9.19 e.21 

NP.t loRns Md leRsP.s to cter:nstts. .............. A.5.?4 63.18 70,S8 9�.1;, 

Growth Rates(yeer-fo-year, %) 

Assets ..................................... ................. 4.67 

l::.qu!ty ci.,pihtl ...............• . ........... ............. 9.0C 

Not lr\lorcst incomo ....................... ........... b.85 

N9lirK:Ome ..•................ ........... ........... .... 8.15 

Noncur($1l1 l:IS�&t.s plus 

olhar r9Rt eslR!e owned ........................... ·849

NP,t cha1g., olfs ... ................. .......... . ....... 57.SU 

lo<it. lOSl:> μ10\ i.i:ion ..... ....... ... ... ...... ..... 3A.OO 

PIIIOR FIRST QUARTERS 

(The way it was .•. ) 

Nur:ibcr of lr.s111..1lons .. . ............. 1005 10,2�2 i'.123 2.725 331 

....................... ...•............• 1999 11,390 8,215 2,741 S22 

....................... ................. 1991 12,249 9, 17A 2,702 323 

lo:.d .ss9ls (In blllicns) ... ..•. ............ 1995 $4,1 rn.o $3t0.3 $G67 8 $1,077.0 

......................................... 1993 3,513.U 3'14.8 UG9.3 f,OG-1.5 

......................................... 1991 :\S51,2 • SS9.1 8!i2.9 1,050.6 

Fh:11urn on cM>SE:11$ (%) ........................ 1995 1. 10 1.17 1.29 1.29 

•.•. .......•••...•.•

.• •..••..... .....• 19as 1.�s 1.28 1.25 1.26 

..... ................................... 1Y41 U.65 1.16 M3 o.�s

N-31 charge-offs to loans & leRses (%) 

......................................... 19;)� 11.30 0.15 u.:31 o.so

.................. ... 1003 0.85 0.20 0.43 0.94 

.... ................. .......... ... .•. t9il1 1.20 O.A6 0.74 1.54 

No1:c1.,:u:111l <1.s.e� plUl:> 

onF.o lo Assets (%) ...................... 196'5 O.Q9 0.89 0.91 0.90 

..................... . ................. 19!.IS 2,42 1.3'1 1.10 2.06 

.... ................ .... 1991 3.23 1.78 2.11 3.0� 

(quhy caplt>I ra110 (%) ... ... 1995 "/,U3 10.22 9.21 6.32 

............... .... . ......... 1003 7.79 9.GG 8.5,t 8.05 

......................................... 1991 6.66 9,05 7.A4 6.66 

Greater 

lhan $10 No1thSi!l on east 

72 785 

$2,%\H $',€2tl.2 

1,'ISt..4 1,025.9 

S,421 3,633 

4.2 5.2 

76,4 706 

8.10 6.33 

4.28 4.411 

9.82 S.89 

2.76 3.01 

if.GI 4.91 

0.92 0.85 

0.97 Q.90 

13.45 1:.7� 

(l.4;) c.�s 

7A.00 10U.54 

2.13 ?. Se 

172.10 16�.2� 

O,A7 1.02 

·1.22 'l.65 

5 G4 7.20 

91.0P. A7.?.2 

1.40 

7.01 

4 84 

0.29 

-1S,90 

26.40 

14 St 

63 830 

52 911 

<6 1,053 

$2,0S0.9 1,@7.9 

1,"195.0 1,32S.6 

1,?JIA.6 1,2fi6.5

0.8A 0.93 

1.19 1, 1!i. 

tl.43 Mg 

U.37 U.66 

1.00 1.33 

! .31 1.58 

1.07 1.2, 

3.22 3.�2 

4.32 4.80 

6.66 7.25 

G 8,( 7.03 

6,SQ 5.91 

-�eogrsphlc Oishib�lon by lleoion

Eac:1 

Soulheul 

1

;s£6 

$750.3 

550.0 

2 194 

3A 

71,9 

U,16 

3.89 

4.27 

1.81 

3.81 

1.15 

?.18 

111.15 

3.4� 

10l,!j(.\ 

1.6.'!. 

196.51 

on 

8.38 

7.81 

AA,24 

10.03 

16.74 

10.51 

15.9&1 

0.69 

103.80 

85.28 

1,G97 

1,877 

1,�42 

$682.0 

556.5 

soe.e 

1.12 

1.16 

u.eo 

0.:13 

OA2 

0.'4 

0.73 

1.63 

2.30 

7.97 

7 81 

7.1a 

rP-nlnil 

?,159 

$689.5 

500.3 

2,033 

2.8 

70,9 

0.10 

3.97 

4,1S 

1.G1 

9.50 

1.15 

1.17 

)9.97 

•:i.3& 

112.65 

1.70 

186:/9 

0.67 

8.51 

8.05 

88.AI 

3.69 

8.s0 

3 .22 

7.16 

6.RO 

99.44 

.(1.78 

2,237 

2,497 

2,697 

$665.0 

574.3 

544.6 

1.15 

1.28 

U.!l"l 

u.21

0.52 

0.70 

0.65 

,.:t4 

1.77 

8.14 

8.18 

._7.?.6 

.• 

I Wes1 

M.t- South· 

WP.st Y/Cst 

2,<72 1,743 

$284.G $327.5 

214.1 25g,ij 

015 1,0'14 

2.6 1.7 

$9,Y 63.6 

8.35 7.96 

9.90 S,58 

4.45 4.38 

2.53 1.84 

4.20 S.9� 

1,:14 1.27 

1.37 1 .?.A 

15.58 14.93 

O.Gt. o .�,i 

110,18 '12 31 

1.79 1.S1 

180.06 166.78 

0.10 0.64 

8.87 8.GO 

8.56 8.07 

ao.1e 69.36 

8.00 6.81 

10.38 8.80 

5.84 7.74 

6.1S 24.73 

14.40 2.73 

70.08 60.66 

Al.28 60.46 

2,5GG 1,828 

i,76?. ?.,COS 

C:,S(j7 2.1�7 

$261.3 $906.6 

23".7 283.0 

2�5.8 264,0 

1.41 1. to 

1.S8 1.9C 

1.UY 0.62 

0.41 0.16 

0.58 0.21 

0.92 1.24 

0.67 O.GG 

1.20 1.35 

1.58 2.n 

0$ 8.44 

8.85 3.1� 

?,Q4 6.71 

W0st 

1,04i 

$6S6.2 

415.6 

2, 1G4 

7.4 

65.5 

8.€0 

3.46 

5.14 

2.50 

4.71 

1.31 

1.�'\6 

15.85 

0.59 

83.01 

2.27 

182.82 

1.0i' 

8.58 

7.85 

ug,12 

5.45 

6.87 

4.8G 

G.95 

-12.04 

96.71

31.03 

1,0!M 

1,?.75 

1.46:J 

$609.9 

535.5 

�4:l.9 

1.32 

t.05 

0.91 

0.$7 

0,91 

1.H 

1.28 

3.28 

2.7� 

8.46 

o.sa

G.78 

REGIONS: Nr>rrhNSI-Connecticut, O&ware, OlsUICI of Columbla, Maine. Mafyfanc:C, t.1AS$Ar,hu�etts, NAY! HRm�hire, New Jersey, Mew Yo1k, Penn�y1va11i.:t, Puerto Rco, 

Rhoda Island, Vermon1, U S. Virgin ht <ind� 

Sr>Ufhcast-· AlclOOma, Florida, Geort\, M s�t'l-.�inr. North C�mlina, South Carolina, Tenneesee. Virginia. Wesl V rvinis 

Centr�I-Illinois. Indiana, Kcnluck.y, lchlgan, OhlO, Wlscorisrn 

Mldwest-1()','t'-", KAn1tH, Minneeota, Missou1i, Nebraska, North Oakola, Soolh Dakota 

Soulhwcsr-Arl<ans.>s, Louisiana. New M�. Ok ahomA, Tex11s 

West- AIRs!o'.11, A1izona, Caliro,ni

a, Colorado, Hc1w;,,ii, ld.iho, Monliina, Nt.'Vcld3, Oregon, 1-'ilciflc ls.1�1':ls, Uti1h, Wash "lgton, W�·omln� 

FDIC Quarterly Banking Prome 

First Quarter 1996 5 FDIC-Insured Commercial 6anl<s 
TABLE IV·A. Full Y

_

ear 1995, FDIC,ln�ured Commercial Bank$

Nu,:;:.ie• o! inslilulions rep.">rlirt9 ............. ... 

Tot� �M.P.\� (in hillir.:nt) ............................. 

Total dcposll$ (l.•1 l:IIUoni.) 

l\-y1 income (:n millions) ............................. · 

% :I uni:t01ili\hle in�timti<111s ............... 

� n1 irslilulions with eall',l11gs yaln� 

Performa.ne.e Ratios(%) 

Yl1>ld M camlng c1-Ssat.s 

<..:o�l ol lunc'ing saming ASSP.I!., ................ 

t..iet int�r�s� m:lrn

i

11 ................. ......... 

Nonintcrcst in1,;un1a lo al:lfning aHats ....... 

�oninl'3r�st expanse lo uming :l��P.l

.>;, .... 

Net Of.P.!:l.lin!l inc:omo 10 a::!t;.11:. 

H::11u:n en .inel� 

Helu1n on equity, ....................................... 

Iv.:: ,;•1uJy(M.�II$ •.:.i loar.s and lease! .. 

Loar: k.lss �ro,i.::ion lo nal ch�rge·offr. ..... . 

Condition Ratios(%) 

LO!\S Rl!rll/R�f':!'! �n: 

I OROS Rn<i lR:l..<;�$ .... ., .. , ..... , .. 

Noncuuom l1,;&1s and htases .....•...... 

l\or,�umml as!\sls rilu� 

n1��r r�al ,,sta10 owr.fdd le .:tl:>l:>ld1s ....... 

(1.1\.II� c.ipJ.i r.ilic; ... . .......... ....... ..............

Sora c:RpilRI (levP.rnt.,!'!) ra:io ...................... 

Not loans ru•.d lo�a� lu :Ja�osits ... 

Growth. Rates (year-to-.yP.ar, "!.) 

As!.�:s ............ ..... 

;.::iully .,;a;.iltal.. ...•....... .. .... ...... .... .... .......

NP.I inl�r<?St inCO.'l'II> ....... 

N1;l ln��111a ..... ...................... 

N:in�urrr.rt asscs !):us 

OlilC' (!did fdsto!a .:,wned I Nel cha1se·ofrs ....... ........... ...................... 

l.o:ln :o�� pr<1•1islo11 .... 

PRIOR FULL YEARS 

(The IY,1}' fl W',t.s.,,) 

I\Jtub�r of inslilutions ....... .•... , ..... , ..• 1994 

......................... .......... .... 1902 1 

........... 1990 

Tol:ll :l..";;P.1.,; (in billion.$} ... 10!)4 

...................................... .. '9'J2 

.... 1ggo 

.=tot.1m on �!.$01s (%) ........ 199.S 

......................... 1 99?. 

.................... ........ 1000 

Nel chRrg�·o:f! 10 :nan� & l

,riascs (%) 

..... 1S9< 

.. ......... ..................... 1 "9?. 

............................... ... ..... Hl90 

NC"ICUrfent ASSP.IS rlu� 

OA[O lo OSSCIS (%) ..................... 1994 

..... .... ..... , ........................ 199:::' 

,,,, .............. . .......... ......... 190G 

l::quity cepilel ratio (%) ............. , .......• 1994 

............ ..... ........... .......... 1992 

... ................. .......... 1990 

AU 

l."lslilulioos 

�.!::4i 

$-1.313 

3,0?8 

40,i'90 

3 

es 

8.41 

t,12 

U9 

? .?Q 

4.16 

1.16 

1.: 

. ' 

14.61 

l:•.41':I 

10,<t.21 

2.03 

17s ar. 

0.8!:i 

H,11 

7.G2 

8(.22 

7.!i3 

1 i.1�:� 

5.23 

9,!l!=: 

.Q.?.6 

u.�9

1'1.79 

W,451 

11,4G2 

12,3'13 

$4,0! O.!> 

3,505.7 

3,S99.S , 

1.16 

ll,!-i:l 

0.48 

0.50 

!.27 

1.43 

1.01 

?.S� 

2,94 

7 ,7A 

i".51 

6.'15 

FDIC-Insured Commercial Banks 

A�et SIL& Oislribulion 

LtiSS $100 MilliCn $1 Rillio11 

than $!00 lo "' 

M:,lim $1 81111011 $10 BIUlun 

6 05!:! 2.8GI 246 

$298 $M7 $1,05:J 

25� 566 734 

3.3�7 8.3M 12,951 

l ?. 3 

66 n 63 

A,S6 8.38 8.53 

�.64 3.G2 3.91 

'1.7:l 4.74 4.�2 

1.24 1.41 2.2G 

3.02 3.8G 4.lO 

1.18 1.?.< ,.,. 

1.18 ,.�� 1.?7 

11.35 13.,45 1!t,O� 

�I ::!4 0.37 0.69 

1'6.65 116.21 121.0Q 

�.57 1.6? 2.1�4 

151,llO 1 s, .oo 189.3'1 

0.78 o,Ao ll.l:12 

10.4� 9.39 8.57 

10.34 9.11 8,0? 

E3.1A 69.6ij 91.19 

7,25� 2.uoc 328 

8.<92 2,790 329 

9,254 ?,71S :t25 

$315.9 $662.9 $1,07?.S 

34G.O 600.2 � ,034.2 

S!:i9.6 6:i!i.fi 1 ,044.4 

1.12 1. �9 1,31 

1.04 1.01 1.02 

0.70 0.76 0.3!:i 

C.2!:i 0.37 OM 

r..57 o."/6 1G,6 

C.72 0.85 1.37 

0.8U 0.92 0.90 

1.37 1.71 c!.15 

1.11 1.00 2.82 

Q.P.4 A,79 7."4 

9.38 8.2n 7.CO 

8.SS 7.67 6.3$ 

6 

Ge, 

G•eatcr l:a.sl 

lh.n $10 Norlh· Soulh· 

BIHiJn asst ea.�I 

75 7�4 1,659 

$2,26� $1,G2G $,728 

•,4'18. 

1,!129 5�7 

24,?88 . 16,210 t\,36G 

1 G • 

G7 72 73 

8.28 8.52 8.:)6 

4.46 4,Sij 4.C.:O 

:,.e1 3.U3 1.26 

2.7G 2.84 \,77 

4.�5 4.44 3. j'!) 

�.0!) 1.00 1.19

I,� II l.(j2 1.rn 

15.liO 13,73 1(.73 

C.46 11.64 c.�2

84.!:iO !0?.,57 90.66 

2.21 2.43 1.G-1 

173.43 155.2' ?OS.�9 

C.00 �.03 O.E4 

7.19 7.61 fl.::::\ 

6.62 7. 16 7QG 

80.&S 85.GG 86.89 

5.22 M.16 

9.28 1l;.f�4 

2.49 �0.37 

1.02 1(,11 

·15AO 1.80 

•7,56 3�.64 

U.G/ 25.CG

C< 834 1,741 

�1 9?2 1,H�::: 

49 1.0/0 1,058 

$1,919,4 1,54!i,ll �646.1 

1,445.:l 1,307.6 550.1 

1,33U.O 1.290.5 507.8 

�.ue 1,{J/ 1.18 

0.81 0.81 o.a,

n 38 o.o� 0.81 

0 57 O.i'ti Q 2( 

1.57 1.77 0.83 

1.88 2.0S O QO 

I 

1.13 1.?8 on

3 SU 3.:>� 1.62 

3.85 U7 2.0<1 

7 :11 I,;,.;.\ ·t 64 

G.52 G.93 7.GO 

G.26 S.E5 7 0?. 

r3Fhic c:stiihul on t,y RP.qicn 

W�:>l 

Ml•· Soult':-

Cr.inlr�I wesl W9St Wei.I 

2 ,178 2,487 1, 77�� 1,0t:O 

$685 $261 $32G $G<O 

510 215 268 479 

7.792 3,9GS S,744 o.691 

3 2 2 10 

71) G3 G4 71 

ti, fl 8.72 7.86 8.76 

4.07 4.04 �.55 .:-l,51} 

4.09 4,f:l:\ 4 31 s 2e 

1.59 2.5'3 1.77 2.!:i3 

SA9 4.33 S,99 4,71 

1. 1!") 1.4� f,20 1.41 

1.1 !:j 1.51 : UC 1.41 

1'1.06 17.09 14.14 ltl.56 

0.31 0.64 C.?4 11,152 

130.16 110.!>'1 117.92 88,?.5 

1.70 1.7'1 1.M 2.30 

1Y5,H� 1&9.32 17U.57 176.93 

0.6$ ll.64 O.G2 L09 

�.:JO 8.70 B2 8.54 

7.79 8.()7 �.10 7.�9 

84.A9 HU.� 69.4� 88.01

6.41 9,fil 7.16 /,99 

11.1 :t 13.22 12.12 10.es 

3.08 4.07 S.15 H,25 

a.s� 7.tu 12.65 23.40 

1.?8 a,(IU ·1.29 · 11,(}1 

1e.30 28.!i� 7!>A4 18..98 

3C.�8 20.0, 98 ,S4 23.72 

?,?7? c!,tlc!2 1,65/ 1,125 

2.�21 2.791 2,0l7 1,289 

2.7t7 2,9!:i4 2,179 1,46:!i 

,$650.G $2G2.3 S304.6 $5S3.0 

!:101.� 2'42.1 282.6 54!.7 

551.7 231.2 Z07 6 54.0,8 

1.13 1.-16 1.12 1,24 

1.02 t,:m •, 12 (),1.\2 

0.02 0.38 0.46 0.92 

Q.23 0.46 0.1& C 68 

0.96 0.78 0.67 1,$0

0.911 0.99 1.,,� 1, 18 

o.�fi 0,6H O.f:'7 1.33 

1.35 1.18 1.51} 3AS 

1.59 1.A3 2.72 ?..!<l 

·1.as 8.43 8.15 8.33 

7.86 8 A3 7.31 8.17 

7,04 7.�7 6.51 6.6� 

FDIC Quarterly Bankiug Profile 

First Quarter 1996 
TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks 

A64el Size O!s.tr:bution Geograp.1-iic Ois�rlb-ulon by AP.!l�ll. 

Leu $1:}0MiHion $1 B il on Greater Easl Wsst 

Mar(h :J1. 1996 All lhan $100 to lo lhan$10 North- Soulh- Mid- Soo.11>'1· 

lnslilullnnt. 

.. M llkln $1 Billion $10 Billion eillion eas.1 east Cen!Tal wer-t \\'P.�t We�L _ .. -------

re,cent of loans 30-89 Oay.s Ptlst Ou• 

A I ban� s'3cJ1od oy real o�lale .............................. 1,41 1.57 1.36 1,40 ui 1.10 1,?.S 1 :{8 1.26 1.3� 1,:}'! 

G<.,11��11\.-<:llnl anrJ ,1�v�li>1lm�1lt ................ .............. 1,70 1.SO 1.63 1.63 u�s 2 . .9A 1.S9 1.94 1.S4 1.1 S 1.79

:::011 llJ:fl.:l,1

l 

1ca <:�lute .................... ..................... 1.41 1.�8 1.12 1.50 1.60 2.19 1.00 1.32 1.?I 1, 11 1.20 

.\�ull f.:1t11I '/ rcsldcl'liul n,a

l 

c�l-1.11:: .......................... 1.09 0,84 O.tlO 1.02 1.35 1.21 0.85 1.17 U.91 0,!:4 1.34 

1 ·4 f:�111il)' '<:.>:iJcnli\\ � ... ................ ... .................. 1,43 t.82 1.53 1.41 1.33 1.47 1.44 1.49 1.24 1.46 1.42 

Hornl� c<.JUili' lr>;,ns ............. .................................... 0,98 t,S6 1.15 0.86 0.86 1.36 0.75 0.84 0.68 2.C9 U.7Q 

Ccmmcr<.:li:.1 .uni i1:<Jl1s11itd ba11�0 ........................ .. 0,98 2 17 1.69 LOS 0.60 0.62 0.84 1.12 2.41 1.,49 0.97 

Lo;,r,-; lr; irdiYkll.;:.ls ... ..... ....................................... 2.01 2.23 1.87 2 .08 2.10 2.S2 1.86 1.96 2.22 1.76 UH> 

A:I v•J1l:I luml'.:. ;,1.•nl lcw;,:s (l11dl1<.llr1:1 tarm) ............. 0.41 NA NA 0.91 O.S2 O S4 o.so 0 06 0.46 0.54 0.44 

M6m;>: C/'.)111111c1<.:kl; H[ loans 11C1t .��<:JrBli hy RE ... 0,!)9 0 32 0 70 1.06 0.48 0.74 0 66 O.S8 O.:ltt 0 26 0.:J{I 

Perc:ont ot L<>�n� NoncurronrA•l 1,�al l"!�!Ale loar.o:,,.,.,,.,.. ,.,,.,., .. , .... ,.,.,., ........ , .. ,.,. 1,41 1.04 1.06 1.2.0 1.81 2.22 O.Q1 0.89 0.86 0.9S 1.6a

l:Qm�lt\Y.:llc: , 11.nel ,,·�,.f!!npnurnt, .......... ..... ........ ... 2.70 I.OS 1.21 1.82 5.18 G.OG 1.00 1.8G 0.85 1.28 A.6�

l:<,mir*!rc:a

l 

reP.: �r.111,1e ............. ,.•... 2 04 1.21 1.97 1.78 2.Q7 9 B2 1.27 1.S2 1.22 1.20 2.0� 

Mult fami�y reaida1,1ial rea

l Mlste .. C.82 t.G1 1.23 U!9 2.50 2.00 0.88 1.05 0.80 0.5S 3.70 

·,·4 F&mily -eiide:,t is • .... ........ ..... ....... ....... -0.82 ::-0.81 0.82 0.8S 1.02 1.20 0.75 0 .64 0.68 0 .7� 1.01 

Homa equily loans ...... , ....... O.S5 1.M 0.55 0.'18 0.58 0.88 0.35 0.3'5 0.26 6.8G 0.54 

<;,;.r.,..P.rdAI Anet indmt11jat -ban$•". 1.20 I.GO 1.96 1.03 1.08 1.33 0.89 1.2.0 1A8 1.20 1.1'1 

L,,;,1ni1 le: ir<livitlu .,1r: ,., .. , ............ .... 1.24 0 78 0 70 1.28 1.48 1.83 0 88 0 78 1.11 0.56 0.91 

A I ol,"ll?r :nA1'1!1 anti ll?iue� rh1dudi1•.g f arm) .......... 0.31 NA NA 0.52 0.28 0.32 0.10 0 .24 O.SQ 0.38 0.38 

Merr,

:.; Comrr,3rcial RE loaris "lot secu1ed by RE ... 1.20 M9 0.74 0.73 1.35 2.26 0,34 o.�s 0.7S 0 .76 0.51 

P�rcent o1 Loan9 Charged,ofl (net, annual} 

A·I R�;,,I t:sli:.l� 11):tn.� ................................................. 0,10 0 03 0 05 0.07 0.16 0 20 O.M 0 04 -0.02 0.00 0.18

:.:()11:i;ln.c 1i,1, �nrl V<N¢lu1,n,�1ll ... ........................... 0,13 0.10 0.02 0.02 0.63 0.67 0.00 C.10 -0.01 0.00 0..17

GQ1rnr1;;:;,

;1

I 

fctd <:.o .

:

.l.dc ......................................... O,M 0.01 0.06 0.06 0.13 0.25 o.�1 0 .02 -0.06 ·0 08 0.12

.V..1ll f.trully wsldt:r11!al r .. �,� M1,11e .......................... 0, 12 0.11 0.0� 0.25 0.07 0.27 o.::-o 0 .04 ·0.14 -0.03 0.22

I 4 l·.:.1hily (r;.o;i�lcn�i:.· ........................................... '. o.cs 0.04 0.05 0.06 0.11 0.15 0.04 a.as U.01 0.04 ll. 12

11,>ln� cqully h.:a 1s ................................... ..... ...... , 1 0,2\ 0 01 0.11 0.12 0.31 0.19 0.16 0 .07 U.02 0.06 UA5

Co1::111c1,;lal tl'lll lm.lt1stl.il 1,>w,•;0,.,,,.,., ................. 0.2s ->.24 0 23 0.18 0.27 U.27 0.33 0.27 U.:.!Q 0.12 0.15 

I c",a1u 10 lndi rdualr • .•...... ......... ..... .. . .. ..... ..... .. 2.13 OAS l 38 2.53 2.20 2 62 1.69 1A4 2.36 1.03 2.8"1 

AJI oli-iH bal"I� ar.d l!'!,i.�P..� (lnc:lun'i11g fam1) ............. 0.08 NA NA 0.11 0.07 0.02 0.00 0.07 0.06 0.11 0.27 

t1111":mc:: Cc:rr.1r�rr.

lal ne f<,an� Mt secured by RE ... 0.07 0.1Q 0.87 -0.01 0.09 0.14 0.00 0.00 t.itf -0.09 -0.05 

Ll)an, Outsl.'lndll'lg (In blllf<>ns) 

All rGal v�lalo loans .................. ............................. $1,080.7 $92.5 $244.3 $,96.1 $454,6 $293.9 $2"1.2 $1A7,0 $72.2 $66.4 $194,8 

Ccn$l1uc:ion an:t :tevelopmanl. .................. 60.6 5.2 18.7 21.8 23.0 1M 19.9 12.2 5.0 7,5 14,S 

Col""merc ial r3aJ e6:ete ........ 301.2 25.0 81.0 80.5 104.9 72.0 68.7 57.2 20.1 23.6 513.6 

ML•�i1ami1y rHid6mia

l 

real e6late ...... 37.1 2.2 8.4 11.4 15.1 10.8 7.5 6.2 2.6 2.4 7.6 

1-<1 Fa�:'yNoidenlia " .. .................. b51.7 4,.2 114.5 148.3 242.7 155.5 134.� 89.4 94.0 46.7 89.� 

:�1:1::,; cq•,lity lou11s ................................................. 76.4 2.2 12,0 2'3,9 39,8 23.S IS.4 16. 1 2.• 1. 1 18.S

Cl1111111�1,;I;,.; ,,nd imhl�llial lcar.s ........................... . 1:m;.o 27.7 73.0 147.S ,2s.a 25�.4 102 0 1�5.2 38.1 48.2 103.2 

Loahs 1u b 0'vidu,1.k; ................................................. �24.0 26,8 ?8,4 2.18,0 201,8 188.S 91.1 a1.2 4:0!.6 ss.s 78.2 

Al 1:ll c' IQ;llls �11d 1,:,1scs (ln<.:ludin!J f�1m) ............. 34A.O ?.0,0 20.7 S2,8 2S4,S 171.4 :Ja.9 43.2 ji!2,0 1�.6 57.8 

Ml:1110: l:omrncfci.i.l HL lo,1n•; r•cl t:;l�<.:ll(�d b)' FIE ... 21.3 0,3 1.1 3,8 1 S, 1 ••• 2,8 2.S o,'I O.Q 6.1 

Memo; Olher Real E6'tate Owned { n mUllons) i 

All olher rnl �$Iii. & C\Vne:t .... . . .... ................... $5,S2$,9 $571.7 $1,279.3 $1,240.6 $2, 738,3 I 2,233,8 $1,013.5 $505.5 $257,4 $(19L,3 $1,4:25,S 

Cons�1uction ;,r.d dovo'o�onl ... ,, ......................... 970.9 A:l,3 245.� 290,3 361,3 247.1 286,4 116,A 66, 1 4't,S 1B7 0 

Comm�rcla

l 

f'l!SI e�l�tP. .... .......................... 2.,787.1. 270.9 619.S 620.8 1,270.3 1.02 LG 447.5 2GS.6 116.Q 230.7 706.1 

t 1ul1i'f>milv ... ,�i1:ctP..1tif>

I 

u!,;I P.�tP.t6 , .. ,.,, .... , .. 252.8 22.3 66.6 57.8 106.1 !09.S 95.3 1Q 7 5.3 7.1 75.& 

1·4 Fam ilyrkr.lciamlal ... ,............................. 1,236.5 146.1 307.2 242.9 !,,10.4 401.2 2Hi.1 9.t.O 46.4 80.9 39!!.0 

F,;nnbtr.d ... , . ...... ,.,,, .. ,.,, .............. .. , ..... ..... 1S2.7 48.6 40.7 28.S 3!.I 25.2 18.G 8.S 22.G 28.2 47.7 

Clhe: real e�lale owned in foreign offi09s .• 429.6 O.Q.._ -

0.0 O.G 42S.1 -129.1 0.6 0.0 0.0 o.c c.o 

�F.'le'ch .. d'�r. hnm9 equi1v lo

.

An$: · NIA -N�t a\•cd ablo 

••include� ·AH clh�r lo.enA" 1or h�tilL1ion!. under$' billion n asset size . 

.

.. Nonc:J1f'f:-nl lean rate� reprl':'�er.11ha percenta�a of roans in each category �at era i:a.st due QO days o, more or lh3t are in nonacc1ual slal..:s. 

FOIC OuMery Banking Prome

First Quarter 1996 7 FDIC-Insured Commercial 

Banks
SAVINGS INSTITUTION PERFORMANCE - FIRST QUARTER, 1996 

• Proceeds From Branch Sales Lift Return On Assets Above One Percent

• Net Interest Margins Increase For Second Consecutive Quarter

• Equity Capital Ratio Continues To Set New Records, Climbing To 8.42 Percent

Savings institutions earned $2.5 billion during the 

first quarter for an annualized return on assets 

(ROA) of 1.01 percent. This was bo1h the highest 

quarterly net income and the highest ROA ever 

reported by the industry, and the first time ROA has 

exceeded one percent. First-quarter earnings included a $308-million pre-tax gain on the sales of 

branches by a thrift in Texas.1 Gains from sales of 

securities, at $354 million, also boosted first-quarter earnings significantly. If the gains on the sales 

of branches and securities are bolh exc uded,

ROA would have been about 0.83 percent, an 

improvement from recent quarters. 

First-quarter earnings were $817 million (47 percent) higher than a year ago, when the industry 

reported net income of $1.7 billion. Noninterest 

income was $418 million higher than in the first 

quarter of 1995, with most of the improvement 

attributable to the gains on the safes of branches. 

The industry's $354 million in gains on securities 

sales represented a $397 -mllllon improvement in 

pre-tax revenues over the first quarter of 1995, 

when thrifts posted $43 million Jn losses on securities sales. Net interest income was $232 million 

higher than in the same quarter last year, primarily 

due to a rise in asset yields over the past 12 

months. Noninterest expenses were $109 million 

lower. and provisions for loan losses changed very 

lltlle, up by less than one percent. With the rise in 

earnings, Income tax provisions increased by $337 

million, or 37 percent. 

• 

J 

2 

0 

•• 

Quarterly Net Income, 1992 • 1996 

C,N�t Ope1lllin; lr1cur1� ' I • Securlllee sn::I Olt,Er Ua·r$, Ne! 

! 

! 2A 22 

1.9 '� 

.. ·r 1 ,. �& 1.7 1.7 1.6 !.:_7 111111 

1.5 1.6 � .s 

1 2 I 

- ,i I I ' 

I 1l 11 I!

I ' 

11 1 11 ·LII a - . -

1234 1231 1 2 3 4 1 2 3 41 1 

��A2 199l 1i194 ·19� 19% 

FDIC-Insured Savings lnslilutions 8 

Net interest margins rose lo 3.19 percent at the 

end of the first quarter from 3.12 percent In the 

fourth quarter of 1995 and 3.11 percent a year ago. 

This was the second consecutive quarterly increase in margins, after nine consecutive quarters 

of deterioration or no improvement. Most of the 

margin improvement occurred at large institutions 

(with over $1 billion in assets), while smaller institutions showed litt e change. Average yields on

earning assets fell by 12 basis points while the cost 

of funding earning assets fell by 19 basis points. 

' 

3 

Quarterly Net Interest Margins 

1992-1996 

, ; ! ! I : i 

Astea < $100 Mllllon!

. . ' ! I I _ _,._.,..,.· ..._ I ;

' ' 

: i l ; 3.44% 

; ! 

1 2 3 4 1 2�<4 123 4 1 2 341

1992 t993 1994 199S 1996 

Almost four out of every five savings institutions 

(79 percent) with more than $1 billion in assets 

reported higher earnings than a year ago, while 

fewer than half of the smaller thrifts ( 49 percent) 

reported improved earnings. Savings institutions 

with less than $1 billion in assets showed an 

incremental Improvement in profitability. Their 

ROA averaged 0.86 percent this quarter compared 

to the 0.76 percent earned in the first quarter of 

1995. These thrifts showed IIUle change in net 

interest margins. Large Institutions reported a 

more dramatic increase in prolltability due to onetime gains. Absent these gains, large thrifts' prof· 

itability still would have shown Improvement. Nat 

interest margins widened for these thrifts as well. 

'First Nationwide Bank. FSS. Dallas, TeX8$, rftported a $313

million Increase in nonintorcst income primarily due to gains rr-0m 

1he sale of tmmct1el::I. 

FDIC Quarterly Banking Prolll• 

Firs1 Quarter 1996 
Noninterest expenses at small institutions averaged 2.59 percent of earning assets, higher than 

for large institutions, where the average was 2.23 

percent. Restructuring charges in recent quarters 

had kept average noninterest expense levels 

higher at larger th rifts. 

Profitability in the West Region, whose th rifts still 

trail the rest of the industry, reached a record high 

level with an average ROA of 0.69 percent. Thrifts 

in the Southwest Region easily set a new record 

for average ROA, at 2.62 percent, with assistance 

from ga ns on branch sales. Without the branch

sales, the average ROA, at 1.57 percent, would not 

have been a record. The avorage ROA in the 

Northeast Region surpassed ono percent with the 

help of gains on the sales of securities, which were 

up by $122 million from the first quarter of 1995. 

Only the Midwest Region reported a reduction in 

profitability from a year ago, as the average ROA 

fell to 0.90 percent this quarter from 0.99 percent 

in the first quarter of 1995, when earnings wo ro 

lifted by gains on the sales of secu rilies. 

Total loans increased by S1 .5 billion during the first 

quarter, while non current loans increased by $258 

million. Most of the increase in noncurrent loans 

resulted from one institut on in the No1tl1east Region, which reported a $252-million increase in 

noncurrent loans due to a change in its accounting 

policy. Reserves for loan losses declined by $109 

million. As a result, the "coverage ratio'' fell from 

80 cents to 76 cents in reserves for each dollar of 

noncurrent loans. 

$ a1mons 

30 

Coverage Ratio and Reserve Levels' 

1991. 1996 

co .... r.199 Aalio (%) 

"'CC:

.... :: •

·

··

·

···•·

••·

·

·

·

... 

00 

· ......

15 Noneurrent Loans($) 

···-.. �. /' Loan RHerve& ($) •••

•• <o 

1:) - - - - - --·:::: - - - - ....... -............... .. 

---

� � 

1 2 3 4 1 2341234123 4 1 23 .t l 

1991 1992 199:l 1994 1995 190G 

FOIC Quarte11y Banking Profile

First Quartor 1996 9 

Declines in noncurrent loans to commercial 

borrowers from year-ago levels have offset an 

increase in noncurrent retail loans. Noncurrent 

oans as a percent of total Joans and leases fell

slightly from 1.45 percent a year ago to t .44 

percent this quarter. Noncurrent loan rates for 

1-4 family mortgages Increased from 1.15

percent a year ago to 1.30 percent. Noncurrent

consumer loan rates increased from 0.81

percent a year ago to 0.95 percent.

After steady increases during the past two years, 

the first quarter of 1996 marked a return to shrink· 

age in industry assets. Total assets of the savings 

institution industry declined $9.4 billion, due in 

large part to the transfer of $17.9 billion In thrift 

assets to the commercial banking industry through 

mergers, consolidations. and charter conversions. 

The asset category showing the largest decline 

was investmont secur lies. which fell by $9.3 billion. Despite these declines, thrifts managed to 

increase their holdings of home mortgages by $1 .6 

billion. The industry's deposits fell by $7 .2 billion 

during the f rst qua1ter.

The average return on equity (ROE), at 11.97 

percent, was also boosted by asset sales, but 

failed to beat the record 12.87 percent set in the 

first quarter of 1993, when earnings were inflated 

by changes in account ng rules, and equity capital

levels were much tower. Since that lime, the thrift 

industry has increased its equity capital to 8.42 

percent of assets through retained earnings and 

the influx of new capital. The industry's capital 

ratio was the highest since 1951. 

There were 2,004 savings institutions at the end 

of the first quarter, a net reduction of 26 from 

year-end 1995. As mentioned earlier, commercial 

banks absorbed 19 savings institutions, with $17.9 

billion in assets in the first quarter. Six commercial 

banks. with $1.2 billion in assets, were acquired by 

thrifts or conve1ted charters in the first quarter. 

Consolidation within the thrill industry accounted 

for a decline of 13 institutions. No thrifts failed 

in the first quarter, the third consecutive quarter 

without any failures. Nineteen institutions, with $5 

billion in assets, converted from mutual to stock 

ownership during the qualter. The number of 

"problem" institutions fell to 42 from 49 at the 

year-end 1995. Assets of "probem" institutions

declined from $14.2 billion to $13.5 billion. 

FDIC-Insured Savings Institutions 
• c.reaterthan 1.�% 

.. �wi:c:l'l .75% 41(1(,f t.5% 

D L4,.•:::s ltivn 7!i'% 

FDIC-Insured Savings lnslitutie>ns 

Co)orado 

0.5 

• 

Hawaii 

u 

Noncurrent Loan Rates By State• 

March 31, 1996 

Kanus 

••• 

Northeast 

• 

VT;U 

"'K::R : 1,1

et:2.1 

NJ: 2.2 

OE: 1.2 

MO: 1.7

' OC:4.2 

Puel'10 Alet,

1.0 -

' N� c,;vm.i11t loon rt1t4$ ropn•senl Iha percentage cf oons tha1 are pasl due 00 day& or more o, in nona<:crual statue.

10 

FDIC Quarte�y Banking Profile 

First Quarter 1996 
TABLE 1-B. Selected Indicator�, FDIC-Insured Savings Institutions• 

199U- 1005- 1905 1994 1903 

REiturn on a$S&ts (°A.) ... ...... .................................... 1.01 0 69 0,7A O,fifi 0.70 

Helom 011 ec.iull�' (%) ....................... 11 97 8 59 9.41 8 28 9.24 

Corn capital (lrwef:\!)P.) rn.lin (%} ............................. 7.88 7 G3 1.80 7.05 7.45 

Nonr,urront ::\$!'tel!it pl11s 

other real estate owned to assets·(%} ................... 1.23 1 33 1 20 1 38 2.10 

Nel c�harga-oll� lo lmms (%} ............................. 0 30 0 30 0 34 0 51 0.65 

Asset grov,th mto (o/0) .............................................. o�s 1 71 1 70 0,77 ·?.,85

Net inti;1rGst margin (o/0 ) ........................................... 3,19 3,11 3 ,09 3M 3.4A 

Nee op&rallni:, ln(:oine growth t>" .. ) 31.30 41.79 13 91 22 24 21.21

N11mhP.r ot in!'\Ut11tion!;,,,, •. , ...•..•..•.•...•...•• 2 004 2,118 2,030 2,152 2,262

P9rcentage of unprotit.1blc in,.titutions .................... fi 114 5 67 5 86 6,97 5..RR 

Number of prob1&m instin1tions ................................ 42 71 19 71 MB 

Agset� of pr<1LhH11 l11stUudons (In b!ll!ons) .. $13 $39 $14 $39 $92 

Number of faited/�sistP.rt in�titnlions ...................... 0 0 ? 4 8 

.. 

"Tl-.1ough March S1. ,e:ios MnuR ized whe,e •ppropfi.;.!1:1. Aw�l 91uwU1 r.cl�� .ir,, f<>f 12 n<>nth� 1:1111J ng \,1.irc;h SI. 

TABLE 11-B. Aggregate Condition and ln<:ome Data, FDIC-Insured Savings Institutions• 

(dC>llttr figures in millions) Prellmir\. 'UY 

Number ot institutions. reporting .............................................. . 

Tot<1.I �n1p!oya�s (tull.tJme Eiqulvatent) 

CONOtnONOATA 

Tnt:\I :\��P.1..0. ••.•.••••••.••.•. .••••......•.........••... ..... 

Loans socurod by rea

l 

estate ........................................... . 

1 4 r amily resldential ........................... . 

Multllamlly r�lcla111.al pn,pt,1ty . ............. . 

Gonnuarclal re�I e�1ate .. ........................... . 

Gon�t,uclion, <hweloprn.!n1 ,:md b,ruL. ...... .. 

Commorci;\J & industrial loMs ................. ....................... .. 

Loans to lndivlduals ........•.•............••...... 

Other loa,-.s & leases ....................................................... . 

l �ss: U111:!t1lm:!d h>e1>1111:1 & C<lnlra accounts ... . 

Tot-:11 loans & l<,;t,,-e� ............................................................ '. 

Leiss: Reserve for losses ....... ................ .......................... .. 

Net loan� & leases .. . 

RP.r.11rilie� ....................... ....... .. 

Othor real est\te ov,nod ...................................................... . 

Goodwllt <1.n<l oth"'r lnlang!bles ...... . 

All otlwr aio�ts 

Tol<1l liabiltios and capital ....................................................... . 

D1:ipusll� •...........•.................. 

011 "'r Lmfowad runds ... . 

R11tior<1in:1tc<1 c1P.h1. ....................................... ·········•·····• j ,\ll-0th'3f liabilities... . .................................... 1 

F�ully cap;M ... 

Loa1'1S and teases 30-H9 days pasl dt19 .................. .. 

Num:mf•rnl fnam, H.luJ laH.ses ................. . 

Restructured loans and loasos .............................................. . 

Direct and indirect investments in real estat9 ..... . 

Mur lt1:�o�h;Jc:k�ct ��curllil:!s 

Earning assots ....................................................................... .. 

1st Quarter 

1996 

2,004 

249096 

$1,01G,3G9 

609,954 

479 290 

�8,429 

49,816 

22,417 

13,276 

41,011 

1,955 

o.�uo

656,696 

7,191 

649,505 

279,231 

3,044 

7,5�1 

77,057 

1,n1a,as9 

7�4,730 

181,619 

2,394 

11.805 

85,621 

8,896 

0,43 1 

5:576 

310 

207,902 

950,669 

85.917 

4d1 Quarter 

199S 

2,oao 

250,261 

$1,025,743 

609,978 

477,711 

S9,9'io 

50,�4 

21,'123 

1 ?.,?.15 

40,421 

1,964 

9,3tf/ 

G55,?.11 

7,300 

647,911 

200,561 

�.156 

6,864 

79,252 

1,025,74� 

741,893 

16'l,514 

2,581 

12,692 

86,063 

9,293 

CJ,179 

5,975 

319 

215,6�9 

958,94?. 

35.143 

1st Quane, 

f99S 

?..118 

257,782 

$1,013,757 

609,055 

474,904 

61,994 

52,431 

10,726 

11,527 

37,653 

1,666 

9,688 

650,?.M 

7,633 

642,581 

20::i,817 

4,05A 

6,360 

74,942 

1,n1a,157 

744,618 

174,244 

2,489 

111,654 

81,754 

8,134 

9,434 

7,044 

422 

213,940 

849,?.84 

3:l,537 

1992 

0.65 

9.48 

G.77

3.o7

0.59

-7.44

3,40 

N1M 

2,300 

7.57 

276 

$163 

S1 

1991 

0.08 

1.21::i 

5.51 

3.96 

0.65 

-11.61 

2.7B 

NIM

2,5Gt 

1A.35

410

$�1 

163 

%Chango 

95:1·96:1 

-5.1

·3.4 

0 .3

0.2

0 .9

·S 6 

·S.O 

13.6

15.2

8.9 

17.3 

.1.0

1.0

-5.8

1.1 

2.3 

.z;.o 

18.4 

2.8 

0.3 

·1.3 

4A 

-3.8

10.A

4.7

9.4 

0.0 

·20.A

·26.5

-2.H

0.2

n ILO Advancos (TfR filors only) 2.9

U1,used loan com1nl1me1,ts. 95.586 61.758 73,263 

Preliminary 

. ........... """'"'---·--'-==-----"'==,��---'-"="'--------"3"'

0

"

.�" 

JNCOMEOATA 

Total inlerost incomo ............................................ . 

TotaJ lnl�r est expense .. ............. ....................•. ... 

NP.I lnhHP.�t iocon1� .. 

Provision for 1<1:tn 1os:s<'!� ...................................... . 

Total nonintero$t inr.:omP. ....................................... · 

Total ncninterest expense ......... ......................... . 

SeGuri i�s g;.,llls (loi,;sas) ....... ................ . 

Applicab o income t::ixe� ........................... ............ . 

Extraordin::11� gain�. nr:t ...................................... . 

Net incone ...................................... ................ . 

Nat ch..trj.la-uff:s.. . ............... . 

C:1sh <1i,•ir1P,nrt� .................................. , .• 

NP.to r:r:i.tin inoom� ....................... ........ . 

FullY�ar 

1995 

$70,994 

42,528 

20,466 

2,110 

7,11!1 

21,832 

464 

4,IGO 

(321} 

7,fi2fi 

2,14Y 

4,083 

7,G33 

Full Year 

1994 

$63,470 

33,411 

30,059 

2,481 

G,123 

23,231 

94 

3,780 

(42

3) 

fi,36?. 

3,085 

2,6!)8 

6,701 

1st On 

%Cl1an�a 1!Y.JG 

11 9 $18,312 

27.3 10,779 

·S.3 7,534 

-15.0 501 

16.3 1,049 

-6.0 5,535 

393.7 354 

10.1 t,250 

NIM 5 

19.9 2,512 

-:J<l.3 487 

S1.2 1,146 

13.9 2,293 

'.)ft!.« b3lween lt>SO Rnd 19rl5 doe$ 11-:,l lt1cl1:dE1 Fl�o;u·.:llon T flJt.l <:ntr,<11�Uo.1 r:nnM1v:;i,)r�hlp.,. r.x:dados one �alf-;kjui

d3ting ins�1U:ion.

N,llJi. Not rneaninglul 

1st on 

1905 

$17 027 

10 325 

7 302 

504 

1 !:i31 

5 6411 

(43) 

92t 

s 

1 7?.5 

4A9 

835 

1,747 

%Chango 

95:1-96:1 

3.9 

4.4 

3.2 

0.5 

27.3 

·1.9 

NIM 

36.6

·1.4 

47.3 

-0,3 

37.2 

31.� 

FDIC Quarterly Banking Profile 

First Quarter 1996 11 FDIC-Insured Savings lostitulions 
TABLE 111-B. First Quarter 1996 ,FD IC •Insured Savina s Institutions 

sP.I Si2e Ois1rl;b

.:.

u1

:,;

0'

--,-, ----�-

o:.i Mllllt.1l $1 �illion 

-

As 

l.P.SS $1 Gre�tP.r 

Geographic Distributon by �egion 

E.a.S1 

FIRST OUAltTER Preliminary 

(1/Jc w,,y it is . .• ) 

N1.,rr�e of ,n�tilul..1..•ns ,.,...,i:>rW'lg .... 

TO!.'.IJ �ots ( 11 bAlions) ........................ . ....

Totcll doposlts (in billions) .................... .. ...

N�! in;;:,ma (in m

i

llions) ............... .. .... . .

% ot unpmfitablo w,stltu11ons ....•.......•....• 

-,(, o: instllollons •/nth P:�min!}S o:wls ...... 

... 

... 

Pe,f�rman� ftalioe {ennuafiied, %) 

Viale on &amino asso1s ......... . ..... 

r.os: of funding eamlng assets ............. . .... 

Not lnte,�s� margin ............................... . ....

Nonint;uest in!iomo ,o eamlny a1ose1s .. . ....

�onintcrost expense 10 e,tming a.c;i.P.ts .... . 

N�I Oj:'=lll:lling in;•.ome to MS01S ................ . 

Rell.rn en assals ...................................... , 

RP.tu1n (In cquiiy ... ........... ............... ........ . 

'Isl :.harge-o!'� 1r. oa.1s and le�sgt ..... . 

l:>en bss proviso.1 to llQt ct ·ct.'Q&-:i'(s .... . 

Cond t on Ae1ios (%) 

I ;lM :JO'll:'11100 lo: 

l.nans ::tnd lo�Sis .. .,., ....... ..........

Noncune11t bans .1nd leases ......... ....... 

Hnncurrenr a ssets plus 

other rea.! eslate owned 0 asse1s 

N::,n,.:urrwit RE lo�n� to RE loons ...... 

Equity capllal rallo .... ... ...... .... .......... ..... 

f"..ore c.i.plt� (hJVE,f8QS) ratio .•.. , ................. 

Gross real sslGle a�sP.:� 10 gross assols •. 

Gu�ss 1 ·A fRm!y mo1!g��&s lo g1. �::.el.s. 

Net IMn� Md IOclSQs lo c.Jep.,s ls .. 

Growth Rates (year-to..yt:ar, %) 

As�P.ts ........... . .... .......... ........................... 

[qul!y t:ap11e

l 

.... ................................. .. ...

Net interest inr.ome ......... .......... ........... .. 

�P.i in�mo ..... .......................................... 

No11c1Jn�1t essels plus 

othe1 rP.!il �stale cwn&tL .. ................... .

l\'-,t cha�-otfs . ... ................... , ................ 

L:,an foss provisicn ......................... ........ '

PRIOR FIRST QUARTERS• 

(The way U was , , , ) 

NumbRr of insdtul!ons ........... ........... 1�5 

....................................... 199� 

........• , ........... ................ 1991 

T·:>1 :ll :lt:t:ms (i:, bllllon.s} ..................... 1995 

.......................... 191?$ 

.................... ............... .. 1991 

H&lur "l on asse1� {�) ........................ 1!Jil5 

...... .... ..... . 1999 

............................... 1991 

��! r,hargo-o1ts t:, lu.u:l:> & lasses(%) 

....................................... 199� 

.. . ................ .... .1993 

.............. ...... ................ 1991 

l\oncu,rP.nt ::l.$..5eti; plus 

OR.£010 a.s�ts (%} ............. . 1995 

....................................... 1993 

....... ............................... 19:91 

Equity ::apita1 ratio (o/..) .................. ... 1�96 

....................... ............... 1993 

....................................... 1991 

All 

lnstiru1k:11s 

?,01)4 

$1,0'e.4 

n,.1 

2,542.1 

5.0 

5-1.!: 

7.76 

U7 

3.19 

0.11.� 

2.35 

0.91 

1.01 

11 !J7 

0.30 

10� A6 

1.00 

76.19 

1.23 

1.d,1

8.42

1.88

79.11 9 

46.40

AA,4U 

U.26 

473 · 

3.18 

<7.33 

-7.46 

0.20

0.51 

�.118 

2.352 

2,750 

$1,0t�.A 

1,U00.6 

1,209.5 

0.69 

0.94. 

0,14• 

0 30 

0.55 

0.5• 

1.:1., 

3.02 

A.151 

a.oo• 

5.72 

Ihm $ 100 to to 

Mllllon $ 1 Rillion $5 Billion 

iss; 951 124 

$4G. • $279.1 $25$.5 

99.1 222.6 109.8 

BM 611.9 G99.2 

8.2 2 6 t,fi 

42.8 55.1 1/.4 

1.trt 7 75 7 90 

4.39 4.36 4,4i-1 

3 4' 3,3<J 3.4· 

0-&7 058 (l.7.;J 

2.9: 2.f>4 c!.4�.l 

0.6() O.'l8 o.�$ 

0 70 O.S9 1.1 U 

G.53 9.03 12,9ij 

0,()11 0.17 0.28 

172.98 119.70 106,60 

0 80 1.:'.14 1.2,., 

67.87 i:l').�J.,.t ?5.CI 

U)3 0.9!3 1AG 

1.14 1.10 t.74

10.78 9.79 a.M;

10.61 9.42 7 91 

71.78 74.25 70.3G 

�f.15 "15.52 41.28 

'/8.46 79.95 83,/l9 

973 981 15? 

1.095 1,081 14!:I 

1.�2 1,22g 106 

$49.2 $28C.G :1285.2 

55.3 :ll 1.9 �114.6 

$.1.6 3S7.7 •103 Q 

0.76 0.76 C.57 

1-03 1.01 1.ca 

0.2< 0,2'3 ll, 14 

0.07 0.14 {1,:32 

o 15 U.24 o 5e 

ll.27 0.51 0.79 

1.07 1.18 1.48 

1 80 2,SA 2.92 

2.49 3.53 4.07 

10 24 9.19 a.14

8,87 7.05 7.99 

7.33 6.<'18 5..93 

7.441 

�u:1c. b31wean 1989 ancl 1�95 docs noi includt> Resulullcn ·rr ust Co1pors!io11 conservalr,rshlp.s, 

Wosl 

than $5 North- South- M!i.J. SoulhBlllruu ea.I P.ast Contr;il wast Yie$1 

�t4 747 299 S1S � �I 135 

$434.6 $346.5 $69.7 $16Y.5 $51 .5 $78.9 

283.3 274.0 54.3 1c!6,0 35.7 46.5 

1,1!:i0,7 665.0 152.5 398.3 116,ij 502.4 

2,9 3 5 8.0 f, :) 1.3 5.9 

85.3 4�.9 46.6 47.4 60S 57.0 

7.68 ·1.09 8.00 7 74 7."4 8.00 

4.77 U2 4.!:i9 4.88 4.82 5.01 

2 91 S.47 3.41 3.0G 9.0?. 2.Y9 

1.ll:J 0 55 1.2:l 0.75 0.90 2.G5 

238 2.

36 �.oo 2.30 2.99 . ?..!19 

1.01 0.91 0,7S 0.84 0 87 :ws 

1.06 1.01 088 0.92 a.go 2 .62 

14.67 11.20 9.St 10.06 10.59 34.12 

0.42 o.zr 033 0.l 1 0 12 0 24 

97.�6 61.86 129.9G 170.38 152.20 134.69 

LOG 1.23 1.0:l 0.76 0.83 1.06 

70.58 fi8.IS 71.11 106.80 �1s ::i9 7'1.17 

1.28 1 ,42 1,33 0.58 C.63 1.16 

1.53 1."2 1.43 o.c.a •3,811 !.52 

7.27 8.98 9.4!i 9.16 9.GI 7.75 

6.55 8.98 8.9?. 8.77 7.a.9 7.25 

89.78 7A..9?. 7a.57 80.36 78.25 78.46 

49.-'8 42.56 46 12 51 52 46.75 3U.'l1 

!!!cl.56 74.29 83.76 9().07 Y1.� 103.18 

�.SQ -15.57 2.81 -4 56 10.01 

7.84 -8.19 7.33 0.76 ?.1.77 

•2.00 -11 98 1.e4 ·1,41 23.10 

20.:lit -8.19 ,�.35 -11A3 266.70 

•15.93 11 .Q9 17.79 ·U,32 2.49 

-20.20 !8?..94 :'4.46 -5:l.14 72.21 

-26.22 193.22 65.5S? -70.7\l 26,20 

32 ' 1"18 39S �39 160 139 

'Z1 8<5 401 s�� 17< 152 

93 961 504 657 1'8 IA� 

$.19�.7 $33C.3 $82 G $165.2 $54.0 $11.7 

327.6 328.5 99.0 150.6 40.9 56.4 

388.S 402.6 130.1 164.7 51.6 72.5 

0.71 O.AA 0.82 0.82 0.99 o.n

0.1.,· 1.02 O.G5 1.02 1. 10 2.37 

0.03 1 -0.1S 0.20 t\.45 0.58 0.25 

C.44 0.36 0.10 ll.O!:J 0 .25 0.16 

0.85 0.68 U.40 0. 14 0 lS 0,46 

n 49 0.90 0.55 0 21 o:;u 0.61 

f.�€ 1.76 1.00 0 51 0.€S 1.25 

3.94 3.67 2.2!:i 0.94 1.17 3.an

4 !5 5,10 3.74 1.39 1.82 13.91 

69

5

1 8.73 8.69 8.78 il 16 7 C,J 

6 8� 7.00 7.72 6.00 7.20 S.64

�.17 8.17 5.�1 G.28 4.�7 :'1,:t2 

�xcudi.S on"' self-liquidating institution. 

REGIONS: NQflhM$(-Corr»Clb.l',. oav.-...'tlh).OISUICI ClcotJ:1tiiJ, 

!I.Sr.a, •.b'ym;i, M,,u.,:h� l'l8'NH9111�t,te, Kfl11Je1t�. He-wYu1k, Pun�w,ri:., Pi,,�11�flb�. HiOO? 11:lm:I, Ve11:l()ff� U.S. \f.1<;h 1::1;,rd,; 

Southeeet- AJaNna, r:lo·ili,, Gr,,.�r!f;'l, Mt�.i�'pl)f, Nor1h C11.rolns, Souu, Ca.rolrl&, TMM�e. Viflli'li111, Wuv. \f'ir!jni;,. 

Central-111 AOI!, fod 111llt, <t1rt11�·. t.iil;hil]l)II, Ohio, Wl3COl\8h 

hfldweet- luw,. K-:,n::•s. Mi11nr,tt,nt?, t.r�oo.11i, N,b,esk.e, Nor1h 031;00, �ouu, Oak& 

S0u1hcveet-Nka11�n. Lo1i:1i:1r,q, t\"Aw .11.:)xieo. Old�oma, ·

1 l«88 

West-Alaska, A1i�1'8, C3!ilurnia, f'dr,1,,di,, ll;1waii, lc:l.1ho, Mo«.an,. N'eY&<fa, 0.�B. P.sctfii; hi,� Ul::h, W.:1:;hi

'IJJIO'I, V�r11i

n;; 

w .. , 

157 

$.� 30.3 

19U,3 

517 3 

9.6 

�8.8 

7.73 

4.74 

2 90 

0.60 

2.19 

0 61 

0.69 

Q,50 

0.46 

98.30 

1.?.0 

76.28 

1.47 

1.00 

7.7.1 

6.74 

•MS 

50.22 

104.05 

-8.14 

·U.00 

13.4'1 

';'19,98 

-G.611 

0.14 

8.42 

170 

198 

24'/ 

"310.0 

S�5.1 

379.1 

0.31 

0.64 

0.24 

O.o!:5 

{l,6�

0 3G 

1.52 

3 71 

:::.95 

7.05 

7.17 

5.00 

FDIC Quartery Banking Pro1ilc 

FDIC-Insured Savings lnstlutions 12 Firsl Quar1ar 1996 

,,. 
TABLE IV-B. Full Year 1995, FDIC-Insured SavltlQS Institutions 

Asset Size Dls1,1wr;.;,n G.3o;raFh c D.ist1bu1ion b Rolon 

le•• $100Million $1 Billion GM:llr.: Easl West 

J\lJ than$100 ., to i-.�/l $� Norlh- Sou�h- M d- South· 

ln�lltut!ons Mllllon $1 BIiiion $5 BIiiion l:!illlon 8�S1 ... t �nlrel wg�I wost Wost 

Numte, ot n.slilulions rePJr1ing ................ 2,030 910 959 130 31 754 S05 522 153 137 159 

Totsl assels ( n billions) .................. .......... $1,025.7 $46.7 $278.5 $281.S $419.3 j $3�2.3 $70.9 $1611.� $52.2 $74.9 $305.6 

Tot� doposits {in b lllons) .......................... 741.9 39€ 22�.2 20�.o 271.2 I 2/U,1 54.5 j24.2 35.6 47.3 ?.02.1 

N&t lncume (In milllons) ......................... ... . 7,G2G.3 304 8 2.163.4 2,280.2 2,t:17.9 2,928.6 5942 1,353.9 4-19 R 764.2 1.545.7 

% ot �nprctileb?e in61itulion.s .......• ............• §.Q 7.9 4.2 8.5 6,6 4.?. a.2 ,.4 3.0 •. 4 20.1 

Y. ot :nstitu1ions w lh P.amings gain� ......... 48.7 S8 9 51.7 €0.0 61.3 46.6 40.9 41.8 49.7 47,4 44.7 

Pe,formainc& Ratos(%)

Yie� :1n P.arning a.c;�P.t:'> ............................. 7.71 7.8� 1.n 7.79 7.64 1:10 7.88 7.74 7.8( 7.84 7.e.�

CoSI 01 fund ng o�m ng ilSSl>ts ............. .... 4.62 4.34 4.33 4.5G 4.B9 '1.17 4.63 <.69 4.ao 5.14 4.93 

�el inlare..sl me19in ...................... , .... , ..... ,,. S.Clil 2.4� 3.40 3.�8 2.75 S.53 3.23 3 06 3 01 2.71 2.70 

�oninreres1 irioomc to cuning assets ....... o.77; (),5� tl.l:\U 0.85 0.87 O.G4 0.73 0.87 0.9§ 1.00 0.79 

�onlotsr&S1 �XJ.l�lll9'd t" 9a111l1ti,1 ai.a;st,.; .... 2.37' 2 8G 2.5� 2.52 2.0S 2.54 2.00 �.41 2.31 2.25 2.17 

Nel operating income to assets ................. 0.78 C.S4 0,77 0.78 0.79 0.85 0.61 u.us 0.90 O.'ifl 0.58 

Rotum ::m ast-et.s ................ ................. 0.78; O.G7 C.60 0.84 0.72 C.89 0.87 08!: 0.99 1.05 0.51 

�atu,n cx1 e(iUl ly ................. ...................... 9.41 6 43 8.48 10 20 10.12 9.94 9.57 9.40 11.30 14.'1<\ 7.10 

r..P.! ch(lr9P.-01fs 10 loans (lfld lc�sos .......... o.:i• U.14 r; 1 i' ll.38 0.45 C.39 O:VI. 0. 1,4 0.18 0.23 0,47 

Loan foss provislo.."1 to net chaigc·ot:s ...... 00.16 110.36 126.�l� 1Q6."-8 85.811 87.28 116.26 13�.16 128,30 (50.15 �3.00 

Condition Ratios(%} 

Loss a!lw�nce to: 

Loan1o c,nd l1:to1.1:1.s .......... '""'"''"'"''"'""' 1. 11 0.21 1.03 1.27 1.10 1.�1 0.93 0.77 U.8C 1.03 1.21 

Noncuuent bAOs an1 leasP.s,. ................ 79.53 71.:�? SO.S5 02,ij4 '/2.43 76.74 6G.OG 115.78 121.,9 66.46 76.94 

Non:uffen1 asslilts plus 

olh:Jr real eslet.3 cwned to assets ........... 1.W 1.1�0 0.99 1.39 1,::?"-' 1.40 1. �.; 0.53 0 .61 1.21 1.46 

r«inc.mrcn� RE IOMS 10 RC: loa."'IS ............. vu: u:& 1.12 1.53 1.5G 1 .71 1.4C 0.62 0.64 1.eo 1.60 

E�ulty cep!tal 

r.r110 . .................. "'"''"'"''"'' 8.39 10.74 9.84 8.54 7.06 9.05 9.SU 9.0°1 8.48 7.GO 7.(7 

r:orP. c::ap ;al (IPverage) . rali

o ...................... 7.au 1U.60 9.46 7.95 6 29 8.37 8 96 8.54 7.74 7.15 6.511 

Gros::. r�&J &st.de, c!.SSals lo yross o1�ts .. 79.54 72.13 7.i.M 79.7. 82.64 73.86 76,51 79.77 7•.;;:; ra.a6 0'/,04 

Gross 1-t family mOflgsga.s 1ogr. assets. 45.SS 51.51 45,96 4t.79 47.82 41.33 4).42 5(),39 47.22 39.57 '19.<f2 

�P.t f:,a,ns and IP.a,1*!� t<I c!P.pn�ils .. , ... ....... 87.�S 78.89 80.21 63.10 0·1.61 73.33 84 94 89.49 93.29 G6.60 102.71 

Growth Aat&s (year-to-year.%) 

AS$.8'S . ....................... ,.. , , ... ,. ,., .. , .... ,.,, , .. ... 1.70 6.46 ·13.71 0.26 -1.80 5.79 .3.31 

Eq11lty c::.ipitat ... .... ....... ............................. 7.ffT 13.17 ·4.58 1.9.23 8,01 14.59 -0.52 

H�t ln1eres1 loc:Jm� .... ................ .............. -�.30 -�.44 ·1fi,44 ·4.17 ·11.20 10.67 •0,06 

Net i:lOOme .... ........... , ..... ,,., ... ................. , (9,AA 2.21 •0.80 16.78 115.81 33.07 G8.0G 

Noncurrent 111t�1$ (llUS 

othor ,001 osta1e: own&tJ ........................... -11.46 ·18AG a.�4 17.00 ·1.24 ·6.42 ·9.58 

Net ch�fflP.-OffR •• , .............. ........................ -30.33 -16.02 -19,,

{5 43.82 17.62 19."9 -'5.74 

loan 'oss provision .. ................................ ·14.% -5.50 0.90 6151 ·2.2A 131 .22 ...9468 

PRIOR FULL YEARS' 

(Ths way it WBlt ••• ) 

Numher of ll�titutions ....................... 1�94 2,152 996 992 133 31 7eG 3•3 5<7 ISO 1'( 17!. 

.. 1902 2,390 1,109 1,094 158 29 I 8:'.:2 416 �90 (76 tS4 2ll2 

................ ......... 1990 2.815 1,322 1,252 205 36 982 5?.I fi66 2·:) ! t•• 2ss 

Tot::ll a.c;Se1$ {in ballo.."IS) ..................... 1904 $1,030.6 $5C.< $2eG.O $292.2 $379.9 $390.9 $92.( $155.5 $5:U $70.8 $31fi.1 

'"""''"''"'''""'"'''""'""" 1932 1,090.2 55.9 316.2 325.S 392.7 341.2 109.0 1�0 S 4\1.� 61A :Ht!,/ 

................. ..................... 1!>90 1,259.2 U.4 364.6 424.4 40�.6 411.2 151.9 172.2 55.7 77.5 39C.7 

Heluu·. on ai;�ts (%) ............. .......... t99, 0.66 0.79 0,77 0.82 0.43 0.69 O.U4 0.16 0.40 0 9;' 3.20 

....................................... 1992 0.65 0.86 0.91 O.G7 0.47 3.59 0.77 0.89 :. (0 1.55 3.24 

..................... .......... 1990 -0.37 0.06 .Q.2( -0.57 -O.S7 -0.79 -0,S2 n.2s �l.:J, ·il,:IS ·Zl,l'l 

NrH r.harcc·offs to oans & loas�s (%) 

"''"''"'"''"""''""'"''"'""1994 0.51 I 0.10 0.29 0.49 0.79 0.49 0.(6 0.11 .:,, � !, I}.�� O,He 

....................................... 1992 0.59 0.23 0.37 0.67 0.'16 0.80 0.38 0.20 0.21 G.34 Q.GC 

'"'"''" "''""'' ................. 1990 O.GI I 0.25 0.57 0.73 0.58 0.90 0.60 0.24 0,39 C.77 o.4e

\ 

Norir.urtent a��"@IR plus 

OReO 10 assets (%) .. ............ 1994, 1.38: 1.08 1.24 V17 l.4C 1.89 t.07 0 50 0.61 1.37 1.56 

.................... ...... ........... 1992 3.07 1.89 ?.,35 9.12 3.9, 3.A1 2,m 0.99 1.2lt. :u�� ;\,�ll 

....................................... 1�!1(). 3.96 2.37 3.48 4,g1 3.72 4,65 3.06 1.37 �·.55 13.21 2.00 

E:qully co.pltal ,atio (%) ...................... 1994: 7.93 9.94 9.02 A.10 6,70 f!.61 8,S9 8,75 7.11 7.1� I �.97 

....................................... 1992 7.22 6.47 7.7t 7.12 6.tlc!. 7.26 7.48 7,09 7.05 8.:!2 6.0G 

........ .................... . ....... 1990 5,36 7.27 6.2-4 4.94 4.62 G 09 ,.87 G.38 4.42 3 .C� '-.93 

'"'..hit� l)l)IVIY4:Hl 1989 Yhd 1995 does not iltclUde R9SOhJtion Trust Co1poraticn con.se1'lsloJ'ships. Excludes one sell-liqu'dal n9 ins!tlutcon. 

FDIC Quc:111a,1y Ba,1'tki1't!) Prc_:,fil� 

First Quarter 1996 13 FD1C·1nsured Savings Institutions 
TABLE V•B. loan Performance, FDIC-Insured SavinQs Institutions 

Ai'.�t SQe Olsttlbullon Geoo1anhic Disbibution bv Aeolon 1--L-.,-.--'$�1· 00 Mllllon $1 8111()1'\ Grea�r Easl I We.s1 

/\II lhi\n$100 In to 1han$5 No,th• Soulh- I Mid- Socth-

-·------l-'-ln"',"111"-ulc.l•c.•c.·'+-"'�lll "c.ll•"n'-_$,_lc.ll<·..c:o'llooc•

c.

•_..c$S="'Bi"lllo:,n.,_--'"'Bll"llo"''-,-+--'•"•"'•'-t --'""""=' _C=•"='"'al=-..... -""""•='- v,esl 

JAarch 31, 1996 

Percent of Loan$ 30-89 Day$ P�•• Duo 

1\II IMnt: .':ecuwd by real cst,110 ............................. . 

Cnn�!m<:llon, J�lop1net1I ,1r.d ahd . . .... ........ ... , 

Coren'P.rr.ial re�I e$I�� ........................................ . 

M11itllamlly roslden!lal re,d us1c'lto ...... ......... .... ... . 

1-4 F .l\lnll)' resiJonli.al.. ........ , ....... ..... , .............. .... . 

Commercial and indust1ieJ toar.s ........ . 

:.Oans lo individuals ......... ..•... 

Pel'Gel\t of Loans Noncu,rent' 

Al:· real esla e o.e.ns,, ........ ........ .......... , .. , 

Conslruclior., deve lo_o:-i-,9nl 6nd and .................... 

Com1nP.r¢1;o,l 1eal ts1ale ......................... ............. .. 

Mullilamlly ,e�lden11a, real ftt.t11.te ...... ........ ..... ... . 

1� Farniy residanllal. .. . ........................... ......... . 

Comm3rcial and lndus11131 loa11� ... .... ......... ..... ... . 

Loans 10 individuals .. ,, .• , ......................................... . 

Percent of Loans Chargod•off 

(ne1, snnu,llzed) 

All�� et.1;,110 o�ns ........................... .................... . 

Cor.�(fu,:tl�h. dovolopucnt and «nd ..................... ; 

Ccimmt:rclal real e:sfcdo .... .............. .... ............... . 

Mullif.tmily residential real estate ................. ........• 

1·'1 Famlyreaidenllal .............. , .............. ,.,, .. , ..... .. 

Commercial and tndu�lrial loi\n� ......... .............. .. .. 

Loans. to individ•.Js!!I,,, . .................... .............. ...... .. 

Loans Oulstandlng (In blJllons) 

AH rel'II e!ltl'lte loaf\.� ........ ............................. ......... . 

CoMlo'\,IClion, �lopmP.nl ,11,d lanc.t ................... .. 

L:<.>lhrnc::rci«l rea1 est.il!e ... ..... ........ .. . .. .•.....•... .• 

Mu!lilw,i ly resldantial real eslale ......................... . 

t-4 Famlly f(:ildeulial. ............ .............. ........ .... .. 

C':nrr,,nerd-'l ••nd lndus11 al bans. ......................... . . 

Lo.'lns h> lt.<Jlvidual:s.............. ................... . ........ . 

Memoranda: 

Other Real Estate Ovmed (in miU!ons} ... 

AJI 011"-.er ,esl 

estet.e owr,!'td., .................................. .. 

Con�1ruc1Jon, dewloprr.P. 11-'tnd lanrt . .................. . 

Convnerd31 real es1a.1e .............. ............. ........... . 

MlA1i11'1m!ly rP.sldenlla.1 real P.f:tate ......... ............... . 

1,4 Fam ly restdsnlial. .....•.............. 

fl'()Ubl4d Rea

l 

E1st;:ttt A�set Rate&"" ... 

(% Of total RE HNI$) 

1.30 

1.35 

1.38 

0.76 

1.96 

1.24 

1.91 

1,(4 

1.aa

2 51 

1,74 

1.�0 

1.84 

0.95; 

0.22 

0.07 

0.90 

-0.65 

0.17 

0.21 

1.42 

$610.0 

22,4 

49.8 

58.4 

479.3 

13.3 

'11.0 

$

3,043

.9 I

664.2 I 7fl2.5 

476.0 

1,480.2 

2.09 

1.52 

2,IO 

1.18 

2 09 

2.93 

2.38 

1,14 

1.24 

1.61 

2.00 

1.0,3 

2,56 

1.09 

0.06 

0.26 

0.11 

0.16 

o,oa 

0.29 

0.43 

$29.0 

1.6 

2.9 

1.0 

24.0 

0.0 

1.0 

SI 10.1 

19.0 

45.6 

5.2 

51.2 

1.31 

1.45 

1.46 

1 .00 

1.90 

2.10 

1.89 

1.10 

1,3:a 

1.94 

f.74 

0.91 

2,36 

0.92 

0.13 

0.09 

0.28 

o.48 

0.07 

0.66 

0.66 

$t68.0 

10.1 

17.6 

11., 

129.6 

{.1 

10.4 

$679,4 

170.6 

214,1 

74.6 

287.8 

1.26 

1.51 

1A9 

0.68 

1.29 

1.03 

,?.10 

1.74 

1.07 

9.68 

2.52 

1.94 

1.65 

0.96 

0.C9 

0.00 

0.48 

-0,45 

0.12 

0.05 

1.56 

$146.4 

6.3 

15.S 

16.5 

107.8 

4.7 

11.4 

$999.3 

199.9 

362.6 

196 9 

301.5 

1.24 

0.82 

1.03 

0.69 

1.34 

0,83 

1.75 

1,53 

0.831 

2.02 i 

1. 29 1 1.55 

0.70 

0.94 

0.32 

0 06 

0.4tl 

U,66 

0 27 

•0.o7 

1 .90 

S2GG.O 

4.3 

14.2 

21:t.Ei 

217.9 

3.9 

17.4 , 

1.40 

1.14 

1.8' 

0.86 

1.40 

1.19 

2.07 

1.82 

2.81 

3.52 

2 .98 

1.50 

2 23 

1,22 

0.21 

o,to 

0.57 

0,44 

0.14 

0.16 

1.22 

$187.6 

4.3 

21,1 

13,0 

149.1 

6.6 

12,3 

$1,261.1 

274.7 

100.1 

199.8 

a.39.6 

$1,196.2 

225.8 

429.5 

153.0 

4.13.6 

1.53 

1.44 

1.!f6 

1.41 

1.56 

1,67 

2 .56 

1.12 

1.59 

1.:)2 

0.61 

1, 12 

1.67 

2.01 

1.43 O.G8 

0 98 1.12 

1.38 1.6tl 

SAS f.l1 

1.40 0.56 

t.81 f.22 

1.19 1.08 

0,04 0.04 

0,03 ·0,0� 

U,OA 0,22 

0.02 0.06 

0.04 0.03 

-0.-15 O. IS 

2.86 1.11 

$41.8 $106.3 

4.3 UI 

3.8 �.7 

1.?. 7,1 

32.4 86.7 

1.1 1,9 

4.6 7.6 

$257.9 

240.0 

42.7 

5 .7 

61,0 

$156.6 

13.2 

sa.o 

12.S 

72.9 

All lft.tlet<-1.dr; i.,ans................................................. 1.99 1.51 1.49 2 .41 2.00 '2..44 2.03 O.tl3 

Cor.!�fuc:(l�tl, ds\•elopnent ;<1,nn l1n,d.. ................... . 4,22 2.39 2.97 4 67 6.79 7.69 3.21 1.38 

(;l11m11cr�ialrCAI est,de........................... ............. 4.01 9.73 9.12 5.84 .9.fl S..44 2.46 2.86 

Multlfan1lly rc:sidcnt l&I re,11 nkllc.......................... 2.59 2.48 2.98 S.67 ,.95 3.52 1.92 1.2s 

1·4fwnilyre:sld6n11a1............................................ I.GO 1.2'1 1.13 I.Gt 1.92 1.78 1.67 0.64 

·Ntim:uuonl loM rniOs rr:prc:scnl l ho peroonl� of loans in each ca1e90,y lhal are pa.&I due 90 days or more or thal a1e in nonscc1ual stalus . 

.

. TFf:l (ilcrs rcf)<>ll "AJI OUlt:r tc�I �slalo owned' not of o/;,ilua ion allowances, While individual categories of OREO are reported gross. 

···No11c111r�nt rc;,I e:slt1.�t1 loan:s plus o�er real os!ale owned �s a percenl ol tola.l real esla!8 loans plus OREO. 

------· 

Insurance Fund Reserve Ratios 

Percent ol Insured Deposits 

1,37. 

\ 41 

1.eo 

0 94 

1.31 

2 02 

2.30 

C.G8 

0.80 

2.04 

1.0 I 

0.54 

1.07 

0.72 

·0,02 

0.16

·0.26 

0.09 

-0.02 

0.35

1.211 

$29.3 

l.3

2,2 

1,3 

24,5 

0:1 

3.� 

$90.2 

11.S 

50.S 

13.S

92.0 

0 .99 

1.70 

4.24 

2.01 

_J!&7 

_ Tatget A�til'> UI> "' Fund Balance and Insured Deposits• 

... , 1·1� (S Mllllon,) 

ar: r:•Jnd B F·lnsured SAJF Funel SA F·ll'l$Ufe<t 

8aW'!ce Oepos!l::9 Sa!ence Deposll$ 

• ,., r.1:9 lZl:I& 13,210 1,1!73.837 0 a�.92o 

(2190 �.045 1,929

612 10 830,026 

"' 0 )1 

(219( ·1.�6 t,967.722 IOI 7]16,a.£1 

12192 ·101 1,94MSO 27" 732,\59 

,..., IS,122 UOS,279 1,157 697,608 

• ., ... 21.!148 I JJ9S,192 1,937 693,428

(2/0S 2S.41S4 I iSl,736 .... 712,433 

-e.38

J,'96 2S.74� I 9611,943 USO 71S,7S8 

, ... , .. , 12/9; l�ll2 12193 "'" ,2,95 3198 • n,ued CeOOtlil A-uounb/ve £s"""*'s. 

1.22 

0,6ft 

O.A1 

0,72 

1.a1:1 

0.87 

0.94 

1.62 

0.69 

t,f.8 

3.04 

I.Ill 

1.29

Oh1

0.12 

0.07 

0.02 

0.00 

0.15 

0.78 

0 87 

$43.?. 

3.4 

4,2 

4.0 

31,1' 

0,9 

0.5 

$211.2 

50,4 

34,0 

4,.s 

112,6 

2.00 

U�Y 

?,47 

4,05 

1.78 

West 

1,27 

1,69 

0.78 

0.71 

1.41 

0.71 

1.81 

1.60 

1.48 ,

1.AO 

1.49 

1.60

0.38 

0.68 

0.42 

0.18 

0.50 

0.81 

0.34 

0,06 

1,84 

$?.01.7 

4.3 

12,8 

81.7 

152,9 

2.1 

6.4 

$1, 131,8 

123.3 

1!>8.B 

246.9 

707.6 

2.15 

4,23 

3.08 

2.28 

2.�. 

FDIC Quorte11y Banking Profile 

FDIC-Insured Savings lnstitulions 14 First Quarter 1996 
ALL FDIC-INSURED INSTITUTIONS 

• Despite Asset Shrinkage, Insured Deposits Rise For Both Insurance Funds

• The SAIF Assessment Base Grows As Oakar Purchases Continue

• Only One Insured Institution Fails In The First Quarter

The total assets of all 11,845 FDIC-insured institutions

dipped slightly in the first three months of 1996, following 

sharp growth in the final quarter of 1995. Lower funding 

needs led to a modest decline of $9 billion (0.2 percent) 

in aggregate deposits during the first quarter, hut most of 

this runoff was in large, uninsured deposits. Insured deposits of both the Bank Insurance Fund (BIF) and the 

Savings Association Insurance Fund (SAIF) actually increased. This pattern has been observed in prior first 

quarters. 

For members of the BIF, the portion of domestic liab lities

represented by domestic deposits rose slightly in the first 

quarter, to 78.3 percent, which might have been expected 

given the dramatic lowering of BIF assessment rates in 

1995 and 1996. However, the ratio remains well be ow

the recent peak of 84.8 percent at year-end 1991. Since 

then, deposits have beon replaced by the purchase of fed 

funds and other borrowings. for members of the SAIF, 

whose premium rates remain well above BIF rates', 77.5 

percent of liabilities were represented by deposits on 

March 31, down slightly from Dcc0mbor31. This ratio was 

as high as 86.5 percent in early 1992, but thr fts subsequently increased their Federal Home Loan Bank borrowings and use of rev�rse repurchase agreements. 

Given the prospect of a s gnificant, long-term premium

disparity, it is anticipated that SAIF members will look for 

ways to shift deposits to BIF-member affiliates. While 

difficult to track, this activity apparently was limited to a 

few organizations during the first quarter of 1996. 

The Bl F assessment base declined by $5 billion during 

the first quarter, to $2.474 trillion. Deposits assessable by 

the SAIF increased $2.5 billion from December 31 to 

March 31, to $738 billion. Despite growth of the overall 

SAIF assessment base, the amount of deposits held by 

SAIF members declined for the 30th consecutive qvarter, 

dating to the third quarter or 1988, as BIF-member Oakar 

institutions continued to acquire deposits from SAIF members (see below). 

One insured institut on failed during the first quarter of

1996, a BIF-member commercial bank w th total assets

of $43 million. With low insvrance losses reflecting the 

current health of the banl<ing and thrift industries, both 

insurance funds grew du ring the first quarter at a faster 

rate than did insured deposits. Tho roservo ratio of tho 

BIF was 1.31 percent on March 31, compared to 1.30 

percent on December 31, while the reserve ratio of the 

SAIF rose to 0.51 percent from 0.47 percent. 

1Thoaverago BIF premium l.sO.:�c&n1spA,$100<1. :�$SSSS;)hl�clapo.�lls,

while the average SJ\IF premium is 23.4 cents. SJ\IF premium rates 

c,ann<11 h� lowered significt1.ntly until the 1und's rese1ve ratio reaches 1.25 

pc,cent. 

FDIC Quarterly Banking Profilo 

First Qu8rter 1996 15 

"Oakar" deposits. A member of one insurance fund can 

acquire deposits insured by the other fund, but this portion 

of the acquiring institution's deposits retc1ins coverage 

under the seller s fund. Despite premiums favoring BIFassessablo deposits, BIF members continued to acquire 

SAIF-assessable deposits, adding anoll,er $1 O billion in 

the f rst quarter of 1996. On March 31,809 BIF members

held $230 billion in SAIF assessable deposits, or 31.2 

percent of the total SAIF assessment base, up from $196 

billion (27 percent) a year ear ier. SAIF members have

been less active purchasers of BIF-assessable deposits. 

As of March 31, 70 SAIF members held $10.5 billion in 

Bl F-assessable deposits, or 0.4 percent of the BIF assessment base. 

"Sasser" institutions. Institutions are generally prohibited from converting their membership from one insurance 

fund to the other. Since 1989, however, SAIF-member 

savings associations hiive been permitted lo convert their 

cha,ter to that of a savings or commercial bank while 

retaining SAIF membership. Converted institutions leave 

OTS supervision and become subject to supervision by 

one of the three federal banking iigencies. As of March 

31, 1996, there were 316 SAIF-member institutions that 

had converted to bank charters, including 234 state-chartered savings banks, 61 state-chartered commercial 

banks and 21 national banks. These 316 institutions 1,eld 

SAIF-assessable deposits of $56.7 billion, or 7.7 percent 

of the total SAIF assessment base. The number and 

deposits of Sasser institutions have changed only modestly in recent quarters, but pending legislation that would 

g really reduce the deferred tax liability for savings associati

ons' bad-debt reserves could result in a significant 

increase in Sasser conversions. 

FICO bonds. The Financing Corporation (FICO) has a 

first claim on up to $793 million of SAIF assessment 

revenue each year in order to fund interest paymonts on 

FICO bonds. These 30-yoar bonds, issued in Iha years 

1987 through 1989, wore sold to fund losses incurred by 

tho now·dcfunct Fodcral Savings and Loan Insurance 

Corporation. Assessments oniy from SAIF-mP-mber 

savings iissodations are 11vailable to the FICO, which 

excludes SAi F assessments paid by BIF-member Oakars 

and SAIF-member Sassers. The portion of the SAIF 

assessment base available to the FCO fell to 61.1 percent

on March 31, from 62.4 percent on December 31 and 65.8 

percent as of March 31, 1995. At current assessment 

rates, the FICO requires an ava lable assessment base

of S333 billion to meet its annual draw. The FICOavailable base, which has been shrinking steadily sinco 

the SAi F was created in 1989, was $451 billion on March 

31, down from $-159 billion on December 31, but still S118 

billion abovo lho required evel.

All FlJIC-ln�urcd lnslilu1ions 
Eslimated FDIC·lnsured Deposits by Fund Membership and Type of Institution 

March 31, 1996' 

-·

(dollar figure$ Jo millions) I N: m1be( ol To!al Dc':'leslh es,ma1P,rd l'lsurod O<sooslts 

P,ivate-Sector Commen::ia1 and Savin gs lnstitulions 

FOlf:-lnsl,'P.d Commerci�I Oanks ...... .. .....

.

..

.

.. ..... ........ 

8IF-u1a111biJr .............. . ................. . .......... ...................... 

SAi,=· rnl'!r.-hP.r ........................ ... ..... . ......... ................ ....... 

FOIC·

lnsurod Sav r,gs lns11Wlons .. . .. ... ..... ....... . .......... 

OTS-S.1p(lrvlsOO Saving:. ln�tlloJUcns ' .. . ...

. .. ...... ... ...... 

61F-member ...... , ...................... ,, ... ................... .......... ..

SA.Ir: 1ncmbo: ....... ...................... . . ........... ..... ...... ... . 

ro C-S1.1p11:Nsed S:a�& S<1\'hly& Elc,1 lks .. .. ...... ...... ... . 

BIF-member •.... ..

..... .. ... .....

. ... , ... , . ... , .

.

..

..

.....................

SAi =-ml'!:nbP.r .............................. .... ....................... .. . . 

·

Total Ptivete-Seclor Commercial and 

Savings Institutions .......................... ............................ . 

e· :=-01e111bet. . ....................... . 

SAIF-memb@.r .

...... , .... .... ... ........................ ......... ... ...... ...... . 

Other FDIC-Insured ln�titutions 

tJ,S, 6rM•';l',CS 01 r:orcign C!illlkS ....... ... ......... .................. . 

l(lt.,I FOIC-lnsm&d lhstitutions.:··:-;:·:·:··:·········· ..

• ...•

.

.

.

• ... .• 

! 

ln.1l luli::,ns A.s�e1s O.:i ,os·ts0 81F 

9,81!� A,308,S3J 2,!•71,934 ·.,1a6.�e�

9,769 4,2•2155 2,6S2,b18 1,7@5,320 

e2 2G,178 18,817 1,249 

2,004 . 1,016,359 734,730 170,(148 

1,416 76?,P.1fi !i�4. f 3{1 34,661 

ti 99,16� �G.947 25,820 

1,398 £S3,C52 487,lf!;', �.1:\67 

!:i89 ' Z53,!:i5j 2,:0,a,:o 1:.\6.161 

355 201,"70 .. G0,231 135,e2,1 

23< 52.07<1 t.0,369 oS6 , 

; 1,845 5324,703 :\506,C:

S4 1,957,41·, 

Hl,141 4St!:>,390 2,i'/9.605 1,fJ.4G.�:M 

1.704 H!,305 _526,369 10,452 

37 12,2 .. G tma 2,52$ 

1 :,AA2 5,S.<if:,913 (',:J1ll,tft£f. 1,059,943 

•c::xcl\lug� one, ::.Eolf-llquloY.'.l1•';J l:>ci\•ings n6lilulio1 with le�s than $1 millic,"l n SAIF-imHUl'!('I CP.pnsit$,

"Eitcl .J::les $4!:i4.4 billiar: n baign r.lficl'! 1eposit=t, whir.:�. are unrsur1>�. 

$ Billiol\S 

SAIF Assessment Base 

December 31, 1989 • March 31, 1996 

8AIF To�o.l 

1!:IU,H.l4 1.�76.763 

• 7S,!l25 1,961,345 

14,159 1!1,400 

b25,574 Gi!G,422 

4r1,6'·6 50!3,232 

38,557 fi4,377 

432,088 441,8�5

!)4,029 190,1g3 

15,703 151,5?.7 

.. 

·

,1�.i'59 2,G73,1n 

230,285 2,,n,249

42!:i,473 495,92€ 

\l 2,525 

715,7�8 2,675,7� 

Sasser institutions 

333 

0 

(S Bill ions) 12189 12190 12191 

Sasser (ns1ti utions o.o 2.8 11.9 

Oakar Deposti s {BIF,mcmbcf'S) 2.1 34.0 69.8 

ATC Consctvaiorship �9.0 67.3 36 9 

All Other lni:;1itu1ions 851.6 766.0 693.2 

Total 942.7 870.0 811.7 

All FDIC-Insured lnstitulions 16 

12/92 12/93 12/94 

28.4 42.8 52.0 

A0.5 139.8 181.7 

31 2 17.7 1.2 

615.2 520.3 479.2 

755.3 720.7 714.1 

12i95 3196 

56.4 56.7 

220.1 230 3 

0.0 0.0 

459.3 451.3 

735.8 738.3 

FD C Quarterly Banking Pro1ilo 

First Quarter 1996 
TABLE 1-C. Selected Indicators. All FDIC-Insured Institutions• 

°(do/18( ligutu In ml/Ilona) ----,-· . 1996" 1995" . 1994 1993 ___!!_92_ 

Numbor of institut ons repor1 ng ............ ......................... · 11,845 12,360 

$5,129,787 

3,607,120 

286 

$66 

3 

11,971 12,603 13,22-0 13,852 

Total assets................. ................................................... $5,324,703 $5,338,382 $5,019,074 $4,707,050 $4,535,878 

Tota

l 

deposlte........................ ................................ 3,780,497 3,769,456 3,611,608 3.528,476 3,527,034 

Number of probem inslituHons....................................... 169 193 318 572 1.063 

Assets of problem instltuHons (in billlone)....................... $27 $31 $73 $334 $592 

Number of failed/assisted jnslitulions............. 1 8 15 50 181 

Assets of failed/assisted institutions (in bilions} ....... :····· $0.04 $0.52 $1.21 ____ $t.c:-Se.7 __ _,S,,,9"'.6"-7 ___ .,,S8,,,A,_ 

.

. As or M.1rch �1.

TABLE tl-C. A911re9ate Condition and Income Data, All FDIC-Insured Institutions•

-(do/lsr//gureoirimtlllonc) .. . 

Preliminary --- . ---------------

Numbar of Institutions report ng ............................................. .

rot.al employElf$ (full-time &qulvalent) . ................................. .

CONDITION DATA 

Total aseets ................. ..................... .......................... .. 

Loans secured by roal estate ........................................... . 

1 ·4 Family residential .................................................. .. 

Home equ ty loans .............. ......... ................ . .

Mullifami1y residential property .................................... .. 

Comrnerclat real estttt&.................................................1 Construcl"tOn, development and land ........................... . 

Other real 

ee1ate roans ................................................. . 

Commerdat & lndus1r1at loans ...... ............................ .. ... 1 

Loans to ;ndividuals .......................................................... . 

Credit cards & related plan& ........................................... . 

Other loans & leases .............................. ....................... . 

Less: Uneamed inoome & contra acoounts .. .................. . 

Tolal loans & leases ........................................................... . 

Les&; R&&81'V8 tor losses .................. ........................ .... ... . 

Net oans & leases ........................• .. ............................. 

Securities ............................................................................. . 

Other real estate owned . ................ ............................ . 

Goodwill and other intangibes ............................................. .

All other MS&ts .............

.

....................................................... .

Total liabilities and capital ............................................ : ......... . 

Deposlls ............................ ............................. ................... . 

Olher bo,rO\vod funds ............................................................ 

. 

Subordinated debt ................................................................ ' 

All 01her llabJlitles .................................................................. ·

1 Equity capital ........................................................................ . 

Loans and loasos 30-89 days past due .............. . 

Noncu11ent loans and leas.es ................................................ .. 

Restruc1u,ed loans and leasQS ............................................... . 

Direct and indirect investments in real estate . ...................... . 

Mortgage-backed securities .................................................. .. 

Earning assets ............ ................................... ...................... .. 

Unused loan oommilments ................................... . 

Including FITC conservatorsh/p; and /BA 'u; 

1st Quarter 4th Quarter 

1996 199S 

11,845 11.971 

1,707,371 1,734,787 

$5,324,703 $5,338,362 

1,699.691 1,689,980 

,, 109,396 1,103,596 

95,718 97,924 

95,533 95,713 

350,947 349,051 

92,059 90,427 

51,756 51,192 

689,265 673,731 

565,017 S75.679 

211,644 224,292 

349,920 333,795 

15,128 15,226 

3,288,765 3.2S7,958 

60,130 60,126 

3,228,635 3,197,831 

1,090,901 1,099,667 

8,874 9,222 

39,189 37,034 

957,104 994,608 

5,324,703 5,338,362 

3,760,497 3,769,456 

839,320 849,101 

47,670 46,117 

238,055 237,998 

439,182 435,691 

43,184 43,044 

40,483 3g,555 

9,242 9,880 

887 902 

543,149 544,785 

4,709,463 4,695,316 

2,339,259 2,236,579 

1st Quaner %Change 

1995 95;1-96:1 

12,360 -:r.2 

1,731,907 ,1.4 

$5,129,787 3.8 

1,629,141 4.3 

1,058,068 4.9 

93,518 2.4 

94,713 0.9 

341,201 2 9 

85,421 7.8 

49.739 4.1 

633,381 8.8 

527,539 7.1 

192,460 10.0 

299,684 16.8 

15,837 -4.5 

3,073,908 7.0

60,421 •0.5

3,013,488 7.1 

1,099, IB4 ·0.8

11,990 -26.0

32,637 20.1 

972,489 -1.6

5, 12.9,787 3.8

3,607,120 4.3

790,664 6.2

43,318 10.1 

282,769 -15.8 

405,915 8.2

38,710 11.6

41,752 -3.0

12,543 -26.3

1,008 -12.1 

534,226 1.7 

4,472,819 5.3

1,965,216 19.0 

Estimated B F•lnsured deposts. ......................................... 1,959.943 I ,951, 736 1,899,209 3.2

Domestic deposits {rcllocls Oakar adjustments) ,,563,803 2,575,090 2 434,628 5.3

BIF balance (unaudited figures)........................................ 25,748 25.454 23,185 11.1 

BtF reserve ratio(%)""..................................................... 1.31 1.30 1 .22 7 6 

Eatimaled SAIF-nsured deposits............... 715,758 712,433 704,455 t .6 

DomeSlic deposits (rellects Oakar adjustmen1s).............. 746,270 743,962 733.977 1. 7 

SAIF batanco (unauditodllgures)......... ........................... 3,650 3,358 2,216 64.7

SAIF reserve ratio(%)'......................... 0.51 0.47 0.31 62.1 

Es II mated FDIC-Insured deposi1�F and SAF................ , 2.67S 702 2 664 169 2 603"'"66"-4,__ ______ .2.8 

r- -

Preliminary -

Full Year F\IN Year 1st Ouartor 1st Quarter 

INCOME OATA 1995 1994 %Change 1996 1995 

Total interest incomo........ ...........................

.

... .... $373,395 $321,299 16.2 $95,866 $90,025 

Total lntores1 expenee............................. ............. 190,707 144.689 31.8 48,424 45,021 

Nol inlemSI incomo. ......................... . ............... 182,688 176,610 3.4 47,442 45,004 

Pro.;sioo to, loan lossos....................................... 14,695 13,444 9.3 4,114 3,194 

Total nonln1eras1 ltlcomo....................................... 89,542 82,399 8.7 24,131 20,688 

Total non

i

nloresl oxpenso......................... 171,511 167,465 2.4 46,115 42,703 

Securities gains (losses)....................................... 1,006 (477) NIM 841 (89) 

Applicable income taxes............................ 30,310 26,200 15.7 7,670 6,884 

Extraordinary gains, net........................................ (295) (438) N/M 71 39 

_Ncl income............ ............................... _ 66,424 50.985 10.7 14,585 12861 

%Change 

95:1-96:1 

6.5 

7.6 

5.4 

28.8 

16.6 

8.0 

N/M 

11,4 

82.1 

13-'! ·E'lCclude, lnl\tltu11ons lo RTC consorvatorihip, on� sslf-liquidal ng eavfogs lm:UIUllon, Insured branches <>I k>l'eign banks (IBA'a)

. unle�� lr,dlcatOO otn�rwise .

.

.. CnvfHl'lfle 1atlos rellect the lnsllrante lund �nee as• pe,oentage C"Jf P.stlnlatecJ Insured dop�its. WM-Noc msaningfut 

F01C Quarterly Banking Prolile 

First Quarter 1996 17 All FDIC-Insured lns1itutions 
TABLE l·D. Selected Indicators, BIF·Member Depository Institutions· 

(do/la1· fi9ures ;,, millio11s) 1996° 1995° 1S95

Number of institutions re.petting ...................................... 10,141 10,5 54 10,243 

T ctal a ssets ..................................................................... $4,583,398 $4 36S,773 $4,589,415

T 01�1 deJ>�slt, .................................................................. 3,234,068 3 059,110 3,235,517

)..lumber of prcblern institlJtions ........................................ 13( 228 151 

Assets cf problsm inslil1.Jlions {in bill ons) ........................ $16 $33 $20

N�itnber of fa iled/assisted institutions .............................. 1 3 6

Asssts of fail•:lh<sslsled institutions (in billions) .............. S0.04 $0,52 $0.76

'·As of March 31,

1994 1993

10 ,759 11.291 

$4,246,779 $3,949,693

3,06 1 ,456 2,951,980

264 472 

$42 $269

13 41 

Sl.43 $3.54

1992 

.

11,8 13 

$3,711,6 1 2 

2,873,169

856

$464

122

$44 

TABLE 11-0. Selected Aggregate Condition and Income Data, BIF·Member Depository Institutions• 

(dollar ligur<Js ill millions) P1e liminary 

- · 

Number of institulions reporting.,.,,,., ........ ,., ...................... .

;�;�:r

��:�i�u�::�::::::::::::::::::::::::::::::::::::::::::::: :::::::::::::::::::;

Toto! employees (full-time equ valent} .................................... . 

CONDITION DATA

Total assets .......... , ......... , . ..................................................... . 

Loans sscured by real e�tate. total... .................................... .

1-4-Fami

l�· rGsdentiaL ....................................................... . 

M.1lllfamlly residential prope,ty ........................................... . 

Commerr.i�I real HSt�t� ....................................................... .

Gonstructicn, developn,ant and land .................................. . 

Commercal & indus11ial loans .............................................. . 

Re.serve for losses .............................................................. .

Total deposts ................................................. , ..................... . 

Estimated insured deposits .................................................. . 

BIF·insur•d depo$il$ (e:,tim•W� ........................................ .

SAIF .;nsured d<>posits (estimated) ..................................... . 

NoncurrEint oans and leases ................................................ .

Other real est�!e owned ....................................................... .

Equty capital ........................................................................ .

CAPITAL CATEGORY DISTRIBUTION 

Number of ins1itullons: 

Well <-apitalizad ..................................................................... .

Adequately capitalized .......................................................... . 

Undercapit:lliz.ed .................................................................... ! 

S;gllifi<-antly undarcapitalized ................................................ 

·

Critically ,mderoapitalzed ..................................................... .

Total assots: 

Well capilalized . ................................................................... .

Ade.quately capltallze.d ......................................................... ..

Undorc�pi!•lz•o:l .......................................................... , ... , .... .

Signifi<:antly undareapitalized .............................................. . 

1st Quarter

1996 

10,14 1 

9,759

382

• 1,519,581

$4,583,398

1,243,962

745,669

56,360

318,280

72,029

6e0,265

55,21 3

3,234,068 

2,177,249

1,946,964 

230,285 

33,949

6,772 

377,025

9,990 

130

14

4 

3

$4,508,075 

72,433 

1,836

906 

4th Quarter 1st Quarter

1995 1995 

··· --10�243 10,554

9,860 10,167

383 387 

1,545,728 1,534,176

$4,589,415 $4,366,773

1,232,207 1 ,1 63.470

737,970 686,657

55,971 52,206

316, 132 307.164 

71 ,062 67,796

665,582 626,074

55,226 55,255 

3,235,517 3,059,11 0

2,159,448 2,083,228

1,939,392 1,887 270

220,056 195,958

33,320 35 631

7,039 9,137

373,511 345,988

10,099 10 405 

120 124

15 13 

5 6

4 6

$4 511 ,788 $4,250,865

75,015 115,379 

2,097 1 357

307 630 

148 208 542

Preliminary

Critically undercapitalz.ed .......... ::·_··-···-··--··-·· -···-··-··-·· ·-···-··-···-··-··-- ------ -----�-

INCOME DATA

Net inter�st il)come ................................. ,., .......... .

Frovision for loan losses ..................................... .. 

Net lr1cornl:! .......................................................... .. 

Net chargo-cffs ..................................................... .

Number of institutions reporting net losses ......... ..

·Excludes insured branches of forei!Jtl b3nks.

Full Y<>ar

1995 

$162,586

13,164 

51,022 

12,919

352

Full Year

1994 

$154,61 4 

f 1,622

46,868

1 2,095

428

1st Quarter 1st Quarler

%Change 1996 1995 

5.2 $42,049 :039,760

13.3 3,709 2,815 

8.9 12,736 11,661 

6 .8 3,738 2,446

·17.8 328 362

%Change 

95;t-96;t

-3.9

•4.0

-1.3

•1.0

4.9

6.9

8.6

8.0

3.6 

6.2

8.7

·0.1 

5.7

4.5

3.2 

17.5

·4.7

·

25.9

9.0

-2.8

-87. 1 

-38.5

-66.7

-50.0

7.7

·97.7

·23.3

·12.4

•72.7

%Change

95:1-96: 1 

5.8 

31.8 

9.2 

52.8 

-9.4

61 

F•Mcnibcr Depos tory lnstilutions 10

FDIC Q11ar1er1y Banking Profilo 

First Quarter 1996
TABLE l·E. Selected Indicators, SAIF-Member Depository Institutions• 

(dollar figures in mi/lions) · 1996" 1995" • 1995

Number of institutions reporting ..................................... .

Tota

l 

assets ................ , .. , .. , ............................................. . 

Total aeposlts .................................................................. ,

Nu1nber of problem lns11tu11ons ...................................... ..

Assets of problem institutions (in billions) ........................ :

Number of tolled/assisted lnstltullons ............................. .

Assets of fai e(llassisted Institutions In billions ............. .

"As of March 31.. 

1,704

$741,305

526,429

38

$11

0

$0,00

1,aos

$761,013

548,010

58

$32

0

$0.0 0

1,728

$748,947

533,939

42

$11 

2

$0.46

1?94

1,844

$772,295

550,152

54

$31

2

$0.14

1993

. 

1992 

..

1,929 2,039

$757,357 $824,266

576,496 653,865

100 207

$65 $128

9 59

$6 $44

TABLE 11-�- Selected Aggregate Condition and Income Da!�, SAIF-l\1ember Depository ln�titutions_• __

(dollar figures in millions) Prelimina,y 

Numher of lnslltutlons reporting .............................................. .

Commercial banks ...........•...•.........•...•..•...•...........•..............•. 

Savings institutions ............................................................... . 

T olal employees {full•time equivalent) .................................... .

COND/TtON DATA 

Total assets ............................................................................. , 

Loans secured by real estate, total.. ...................................... .

1 ·4 F amity residential.. ........................................................ · 

Multif3Jnily re$ldentlal properly ........................................... .

Commercial real estate ....................................................... .

Conshuction, development and land .................................. . 

Commercial & industrial roans .............................................. . 

Reserve for IO$$es .............................................................. .

Toto! deposits ....................................................................... 

. 

Estimated Insured deposits ................................................. .. 

BtF-insured deposits (estimated) ........................................ .

SAIF·insured deposits {estimated) ..................................... .

Noncurrent loans and leases ................................................ .

Other re3f estate owned ....................................................... . 

Equity capital ......................................................................... ,

CAPITAL CATEGORY DISTRIBUTION 

Nuniber of Institutions:

Well capitalized ..................................................................... .

Adequately capitalized ......................................................... .

Undorcapitallzed ................................................................... .

Signific:1ntly undercapltatlzed ............................................... .

Critic3lly undercap

i

taized ..................................................... .

Total assets:

Well capitalzed ................................................................. .

Adequatey capitalized .......................................................... .

Undarcapltallzed ...................................... ............................. .

S

i

gnificantly undercapitalized ............................................. ..

Critically undercar,ltallted ............................... .................... ..

1st Quarter

1996

1,704 

82 

1,622 

187,790

$741,305

455,729

363,727

39,174

32,667 .

20,030 

9,000

4,917

526,429

495,926

10,453

485,473

6,534

2,101

62,137

1,660

38

5

t 

NA

$727,220

13,252

798

35

NA

4th Quarter

1995

I ,728

St

1,647

189,059

$748,947

457,773

365,627

39,742

32,920

19,365

a,t4a

4,901

533,939

502,489

10,112

492,377

G,246

2,182

62,180

1,686

37

4 

1

NA 

$736,131

f2,146

635

35

NA

1st Quarter

1995

f ,806

75

1,731

197,731

$761,013

465,671

371,411

42,506

34,037

17,625

7,307

5,166

548,010

518,651

10,154

508,497

6,121

2,853

59,927

1,720

75 

6 

I

4 

$695,992

59,974

1,708

293

3,046

Prelimlnaiy

%Change

95:1-96�1

-5.6 

9.3

-6.3

.s.o 

-2.6

·2.1

-2.1

•7.8

-4.0

13.7

23.2

-4.8

-3.9

•4.4

2.9

·4.5

6.6

-26.3

3.7

-3.4

-50.7

-33,3

0.0

NA 

4.5

-78.3

-56.5

-88.0

NA

Full Year Full Year 1st Quarter 1st Quarter %Change

INCOME DATA 1995 1994 %Change 1996 1995 95:1-96:1

Net interest Income............................................... $20,102 $21,996 · ·8.6 $5,393 $5,244 2.8

Provision for loan losses....................................... l,53t 1,822 ·16.0 404 379 6.7

Net Income............................................................ 5,402 4,117 31.2 1,849 1,200 54.2

Net charoe-olfs...................................................... t ,424 2,238 -36.4 339 322 5.4

Number of institutions reporting ne1 losses........... 113 137 • 17.S 99 t 15 -13.9

'Data between 1989 and 1995 do&s not lneude Resolution Tru,t Corporation conservatorships. Excludes one seii-llquldatlng Institution.

FDIC Quarterly Banking Profile

F rst Quarter 1996 19 SAIF·Member Depository Institutions
Number of FDIC-Insured "Problem" Institutions 

1991 -1996 

Number of Institutions 

2,000 

c=:J Savings Institutions 

- Commercial Banks

1,500 1,426 

1,000 

500 

0 

12/9112/9212/93 3/94 6/94 9/94 12/94 3/95 6/95 9/95 12/95 3/96 

Savings Institutions 410 276 146 118 95 84 71 71 64 59 49 42 

Commercial Banks 1,016 787 426 383 338 293 247 215 190 158 144 127 

Assets of FDIC-Insured "Problem" Institutions 

1991 -1996 

$ Billions 

1,000 

800 

600 

400 

200 

...------------------------, 

$819 

$592 

i22:::l Savings Institutions 

- Commercial Banks

12/91 12/92 12/93 3/94 6/94 9/94 12/94 3/95 6/95 9/95 12/95 3/96 

Savings Institutions 291 184 92 89 71 59 39 39 33 17 14 13 

Commercial Banks 528 408 242 53 42 36 33 27 23 20 17 13 

All FDIC-Insured lnslilulions 20 

FDIC Qva1tEHly Oanldng Pcomc 

First Quarter 1996 
NOTES TO USERS 

This publication contains financial data and other informaton

for depository institutions insured by the Federal Deposit Insurance Corporation (FDIC). These notes are an integral part of 

th s publication and provide information regard ng the comparability of source data and reporting differences over time. The 

information presented in the FDIC Quartery Banking Profile is

divided into the following groups of institutions: 

FDIC-Insured Commercial Banks 

(Tables l·A through V•A,) 

This section covers commercial banks insured by the FDIC 

eilher through the Bank Insurance Fund (Bl F) or through 

the Savings Association Insurance Fund (SAIF). These 

institutions are regulated by and submit financial reports to 

one of the three federal commercial bank regulators (tho 

Board of Governors of the Federal Reserve System, the 

FDIC or the Office of the Comptroller of the Currency). 

FDIC-Insured Savings Institutions 

(Tables l·B through V-B.) 

This section covers savings institutions insured by either 

Bl F or SAi F that operate under state or federal banking 

codes applicable to thrift institutions, except for one self· 

liqu dating institution primarily funded by the FSLIC Resolution Fund (FRF). Savings institutions that have been 

placed in Resolution Trust Corporation conservatorship 

are also excluded from these tables while in conservatorship. The institutions covered in this section are regulated 

by and submit flnancial reports to one of two Federal 

regulators - the FDIC or the Office of Thrift Supervision 

(OTS). 

FDIC-Insured Institutions by Insurance Fund 

(Tables l·C t hrough ll·E.) 

Summary balance-sheet and earnings data are providod 

for commercial banks and savings institutions according to 

Insurance fund membership. BIF-member institutions may 

acquire SAIF-insured deposits, resulting in institutions with 

some deposits covered by both Insurance funds. Also, 

SAIF members may acquire BIF-insured deposits. The 

insurance fund membership does not necessarily reflect 

which fund insures the largest percentage of an institution's 

deposits. Therefore, the BJF-member and the SAIF· 

member tables each include deposits from both insurance funds. Depository institutions that are not insured by 

the FDIC through either the BIF or SAtF are not included 

in the FDIC Quarterly Banking Profile. U.S. branches of 

institutions headquartered in fore gn countries and non-de·

posit trust companies are not included. Efforts are made 

to obtain financial reports for all active instituti

ons. How· 

ever, in some cases, f nal financial reports are not avaitablo

for institutions that have closed or converted their charter. 

DATA SOURCES 

The 1inancial information appearing in this publication is 

obtained primarily from the Federal Financial Institutions 

Examination Council (FFIEC) Call Reports and the OTS Thrift 

Financial Repo,ts submitted by all FDIC-insured depository 

institutions. This information is stored on and retrieved 

from the FDIC's Research Information System (RIS) 

data base. 

FDIC QuQrtorly Bank ng Profile

First Quarter 1996 21 

COMPUTATION METHODOLOGY 

Certain adjustments are made to the OTS Thrift Flnanciaf 

Reports to provide closer conformance with the reporting 

and accounting requirements of the FFI EC Ca// Reports. 

The detailed schedules of the Thrift Financiaf Report reflect 

the conso idation of the parent thrift wilh an finance subsidi·

aries. All other subsidiaries are reported as investments 

on an equity basis or a cost bas s. Some accounting

differences exist, such as asset sales with recourse, for 

which the data necessary to reconcile these differences 

are not reported. 

All asset and liability figures used in calculating performance ratios represent average amounts for the period 

(beginning-of-period amount plus end-of-period 

amount plus any interim periods, divided by the total 

number of periods). For "pooling-of-interest" mergers, 

the assets of the acquired institution(s) are included 

in average assets since the year-to-date income includes the results of all merged Institutions. No ad· 

fustments are made for "purchase accounting" 

mergers. Grow th rates represent the percentage 

change over a 12-month period in totals for institutions 

In the base pe rlod to totals for institutions in the current 

period. Tables Ill and IV do not provide growth rates 

for the "Assot Size Distribution" since many institutions 

migrate between size groups. 

Asset Migrations 

All data are collected and presented based on the locatron 

of each reporting institution's main office. When a main 

office Is relocated to another state, adjustments to priorper od data may be made to more accurately reflect

geographic growth rates. In other situations, no adjustments are possible. For example, reported data may 

include assets and liabilities localed outside of the reporting institution's home state. Also, institutions may 

change their charters, resulting in an inter-industry mi· 

gration, e.g. savings institutions can convert to commercial banks. These situations can affect stale and regional 

tolals. 

RECENT ACCOUNTING CHANGES 

FASB Statement 115, "Accounting for Certain Investments in Debt and Equity Securitios" requires that securities that are not held in trading accounts be measured at 

either amortized cost or lair (market) value, depending on 

their classif cation category ("available-for-sale" or "heldto-maturity"). For additional details, see "Notes to Users," 

F rst Quarter 1994, Quarterly Banking Profile.

On November 15, 1995 the FASB released a guide to the 

implementation of Statement 115 and provided a window 

(November 15, 1995 through December 31, 1995) during 

which banks could elect to sell or reclassify securities 

between categories without violating the provisions of the 

accounting rule. In most cases, Statement 115 requires an 

automat c marking-to-market of the enti

re hetd-to·maturity

portfolio (previously valued at amortized cost) if any held· 

to-maturity security is sold or transferred. The one-time 

opportunity to avoid this requiremenl was designed to allow 

the sale or reclassification of securities from the held-lo· 

Notes to Users 
maturity category to available-for-sale or the trading portfolio without tainting the entire held-to-maturily category. 

The FASB announcement and guide also sought lo provide further clarification of Statement 115, and correct 

misinterpretations of the original pronouncement. 

DEFINITIONS (in alphabetical order) 

All other assets -total cash, balances due from depository 

institutions, premises, f xed assets, direct nvestments in real

estate, Investment in unconsolidated subs diaries, customers' liability on acceptances outstanding, assets held In 

trading accounts, federal funds sold, securities purchased 

with agreements to resell, and other assets. Beginning 

3/31/94, FASB Interpretation 39 limited tho netting of related trading assets and liabilities, which had the effect of 

increasing the amount of trading account assets repo1ted. 

All other liabilities - bank's liability on acceptances, 

limited-life preferred stock, and other liabilities. Effecti1

�

e 

3/31/94, includes revaluation losses on assets held in 

trading accounts. 

BIF-insured deposits (estimated) - the amount of deposits in accounts of less than $100,000 insured by the Bl F. 

For SAIF-member "Oakat' institutions, it represents the 

adjusted attr butable amount acquired from BIF members.

Capital category distribut�on - eacll institution·

_

s capital

category is calculated or estimated from its financial report 

and does not reflect supervisory upgrades or downgrades: 

{Percent) 

Well-capit�lized 

Adequately 

capl1alieed 

Undercapi1ali2ed 

S:gn llcantly 

undercapitalized

Critically 

undercapitalized 

Total T,er1 

nlsk·FlasP,(I nlt.k·Al�!,P.(I TiP.r I 

G.ipit,.11 • Cua,ilul • Lcvc,r,g¢ 

2.1 o and 2.6 snd �s 

<6 

snd 

and 

or <3 

and 

am:I 

or 

2:4 

•/\s a pel'l;P.ntaae of ris� .... ;eghtecl assets.

hnffnlP. 

Lqulty 

and >2 

Construction and development loans - includes loans 

for all property types under construction, as well as loans 

for land acquisition and development. 

core capital -common equity capital plus noncumulative 

perpetual preferred stock plus 111inority lntE:res! in consoli· 

_

dated subsidiaries, less goodwill and other inehg1ble intangible assets. The amount of eligible intangibles (including 

mortgage servicing rights) included in core capital is limlled 

in accordance with supervisory capital regulations. 

Cost of funding earning assets -tota

l 

Interest expense

paid on deposits and other borrowed money as a percentage of average earning assets. 

Derivative contracts, gross fair values {positive/negative) -are reported separately and represent the amount 

at which a contract could be exchanged in a transaction 

between willing parties, other than in a forced or liquidation 

sate. If a quoted markei price is available tor a contract, 

the fair value reported for that contract 1s calculated 

_

using

this market price. If quoted market prices are not available, 

the reporting banks use lhe best estimate of fair value 

based on quoted market price� of similar contracts or o

_

n 

valuation techniquos such as discounted cash flows. This 

information is reported only by banks with assets greater 

than $100 million. 

Notos to Users 22 

Direct and indirect investments in real estate - excludes loans secured by real estate and prope1ty acquired 

through foreclosure. 

Earning assets-all loans and other investments that earn 

interest or dividend income. 

Estimated insured deposits - estimated amount of insured deposits (account ba ances less than $100,000).

The sum of all deposit balances in accounts of less than 

$100,000 plus the number of accounts with balances 

greater than $100,000 multiplied by $100,000. 

Failed/assisted institutions - An institution fails when 

regulators take control of the institution, placing the assets 

and liabilities into a bridge bank, conservatorsh1p, receivership, or another healthy institution. 

_

This action may

require the FDIC-or the RTC-to provide funds to cover 

losses. An institution is defined as "assisted" when the 

Institution remains open and receives some insurance 

funds in ordor to continue operating. 

FHLB advances - borrowings from the Federal Home 

Loan Bank (FHLB) reported by inst tutions that file a Thrift

Financial Report. Institutions that file a Call Report do not 

report borrowings ("advances") from the FHLB separately. 

Goodwill and other intangibles - intangible assets inc ude mortgage servicing rights, purchased credit card

relat onships and other identifiable intangible assets. 

Loans secured by real estate - includes home equity 

loans, junior liens secured by 1-4 family residential properties and all other loans secured by real estate. 

Loans to individuals -includes outstanding credit card 

balances and othor socured and unsecured consumer 

loans. 

Long-term assets (5+ years)- loans and debt securities 

with remaining maturities or repricing Intervals of over five 

years. 

Mortgage-backed securities - certificates of participation in pools of residential mortgages and collaterallzed 

mortgage obligat ons issued or guaranteed by government-sponsored or private enterprises. Effective 3/31/94, 

the full implementation ol FASB 115 meant that a portion 

of banks' mortgage-backed securities portlolio is now reported based upon fair (market) values; P_

reviously, all 

mortgage-backed securities not held in trading accounts 

were reported at either amortized cost or lower of cost or 

market. 

Net charge-offs -total loans and leases charged off (removed from balance sheet because of uncollectibllity), less 

amounts recovered on loans and leasos previously 

ch<Jrged off. 

Net interest margin -the difference between interest and 

dividonds earned on interest-bearing assets and Interest 

paid to depositors and other creditors, expres

.

sed as a

percentage of average earning assots. No adJustments 

are made for interest Income that is tax exempt. 

Net operating income -income excluding discretionary 

trc1nsactions such as gains (or losses} on the sale of 

investment securities and extraordinary items. Income 

taxes subtracted from operating income have been adjusted to exclude the portion applicable to securities gains 

(or losses). 

Noncurrent assets - the sum of loans, leases, debt 

securities and other assets that are 90 days or more past 

FDIC Quarterly B•nking Profll• 

First Quarter 1996 
due, or In nonaccrual status. Noncurrent debt securities 

and other assets were not included prior to March 1991. 

Noncurrent loans & leases-the sum of loans and leases 

90 days or more past due, and loans and leases in nonaccrual status. 

Number of institutions reporting - the number of Institutions that actually filed a financial report. 

Off-balance-sheet derivatives - represents the sum of 

the following: interest-rate contracts (defined as the notional value of interest-rate swap, futures, forward and option 

contracts), foreign-exchange.rate contracts, commodity 

oontracts and equity contracts (defined similarly to interes1-

rate contracts). 

Futures and forward contracts - a contract in wh ch the

buyer agrees to purchase and the seller agrees to sell, at a 

specified future date, a spec

i

fic quantity of underlying at a 

specified price or yield. These contracts exist for a variety of 

underlyings, including the traditional agricultura

l 

or phys cal

commodities, as well as currencies and interest rates. Futures contracts are standard zed and are traded on organized

exchanges which set limits on counterparty credit exposure. 

Forward contracts do not have standardized terms and are 

traded over the counter. 

Option contracts-a contract in which the buyer acquires the 

right to buy from or sell to another party some specified amount 

of underly ng at a stated price (strike price) during a period or

on a specified future date, in return for compensation (such as 

a fee or premium). The seller is obigated to purchase or sell

the underlying at the discretion of the buyer of the contract. 

Swaps - an obligat on between two parties to exchange a

series of cash flows at periodic intervals (settlement dates), 

for a specified per od. The cash flows of a swap are either

fixed, or determined for each settlement date by multiplying 

the quantify of the underlying (notional principal) by specified 

reference rates or prices. Except for currency swaps, the 

notional principal is used to calculate each payment but is 

not exchanged. 

Other borrowed funds -federal funds purchased, secu· 

ritles so d with agreements to repurchase, demand notes

issued to the U.S. Treasury, other borrowed money, mort· 

gage indebtedness and obligations under capita ized

leases. Effective 3/31/94, includes newly·reported item 

"Trading liabilities", less revaluation losses on assets held 

In trading accounts. 

Other real estate owned - primarily foreclosed property. 

Direct and indirect investments in real estate ventures are 

excluded. The amount is reflected net of valuat on allowances. For institutions that file a Tilrift Financial Report 

(TFR), the valuation allowance subtracted a so includes

allowances for other repossessed assets. Also, for TFR 

filers the components of other real estate owned are 

reported gross of valuat on allowances.

Percent of institutions witti earnings gains - the percent 

of institutions that Increased their net income (or decreased 

their losses) compared to the same period a year earlier. 

"Problem" institutions -Federal regulators assign a com· 

posite rating to each financial institution, based upon an 

evaluation of financial and operational criteria. The rating 

Is based on a scale of 1 to 5 in ascending order of 

supervisory concern. "Problem" institutions are those institutions w th financ al, operational, or managerial weaknesses that threaten their continued financial viability. 

Depending upon the degree of risk and supervisory 

FDIC Ouarterty Banking Profile 

First Quarter 1996 23 

concern, they are rated either a "4" or "5". For all 

BIF-member institutions, and for all SAIF-member 

institutions for which the FD IC is the primary federal 

regulator, FDIC composite ratings are used. For all 

SAIF·member institutions whose primary federal regulator is the OTS, the OTS composite rating is used. 

Restructured loans and leases - loan and lease financing receivables with terms restructured from the original 

contract. Excludes restructured loans and leases that are 

not in compliance with the modified terms. 

Return on assets - net Income (including gains or losses 

on securities and extraordinary items) as a percentage of 

average total assets. The basic yardstick of bank profitability. 

Return on equity - net income (Including gains or tosses 

on securtties and extraordinary items) as a percentage of 

average total equity capital. 

Risk-weighted assets - assets adjusted for risk-based 

capital 

definitions which include on-ba ance-sheet as well

as off-balance-sheet items multiplied by risk-weights that 

range from zero to 1 oo percent. Aconverslon factor Is used 

to assign a balance sheet equivalent amount for selected 

off-balance-sheet accounts. 

SAIF-Jnsured deposits (estimated) - the amount of deposits in accounts of less than $100,000 insured by the 

SAIF. For BIF-member "Oaka(' institutions, II represents 

the adjusted attributable amount acquired from SAIF members. 

Securities - excludes securities held in trading accounts. 

Eflective 3/31/94, the lull implementation of FASB 115 

meant that a portion of banks' securities portfolios is now 

reported based upon fair (market) values; previously, all 

securities not he d In trading accounts were reported at

either amortized cost or lower of cost or market. 

Securities gains (losses) - Realized gains (losses) on 

held-to-maturity and available.for-sale securities, before 

adjustments for income taxes. Thrift Financial Reporters 

(TFR) also include gains (losses) on the sales of assets 

held for sale. In all publications prior to September 1995, 

gains (losses) on sales of available-for-sale securities and 

assets held for sale were excluded for savings institutions 

that file a TFR. 

Troubled real estate asset rate -noncurrent real estate 

loans plus other real estate owned as a percent of total real 

estate loans and other real estate owned. 

Unused loan commitments - includes credit card lines, 

home equity Jines, commitments to make loans for construction, loans secured by commercial real estate, and 

unused commitments to originate or purchase loans. 

Volatile liabilities - the sum of large-denomination time 

deposits, foreign-office deposits, federal funds purchased, 

securities sold under agreements to repurchase, and other 

borrowings. Beginning 3/31/94, new reporting detail permits the exclusion of other borrowed money with original maturity of more than one year; previously, all other borrowed money was included. Also beginning 3/31/94, the 

newly-reported item ''Trading liabilities", less revaluation 

losses on assets held in trading accounts, is included. 

Yield on earning assets - total interest, dividend and fee 

income earned on loans and investments as a percentage 

of average earning assets. 

Notes 10 Users