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801. Insured Commercial Banks-- Income and Selected Measures of Financial Condition

[In billions of dollars, except as indicated (177.4 represents $177,400,000,000). Includes outlying areas. Includes foreign branches of U.S. banks]

 
                    Item 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 1
 
Interest income 177.4 231.3 238.3 217.3 264.2 248.2 237.8 244.8 272.3 317.4 320.5 289.2 255.2 245.1 257.8 302.4 312.7 339.5 362.0 367.3
Interest expense 120.1 169.8 169.3 143.9 181.2 157.3 142.8 145.0 165.0 205.1 204.9 167.3 121.8 105.7 111.3 148.2 150.0 165.0 179.3 175.1
  Net interest income 57.3 61.5 69.0 73.4 83.0 90.9 94.9 99.9 107.2 112.2 115.5 121.9 133.4 139.3 146.6 154.2 162.8 174.5 182.8 192.2
Provisions for loan losses 4.5 5.1 8.3 10.7 13.7 17.8 22.1 37.5 17.2 31.0 32.1 34.3 26.0 16.8 11.0 12.6 16.3 19.9 22.2 21.7
Noninterest income 13.3 17.5 20.2 23.3 27.7 31.1 35.9 41.5 45.0 50.9 54.9 59.7 65.6 75.0 76.3 82.4 93.6 104.5 123.7 144.5
Net operating revenue 70.6 79.0 89.2 96.7 110.7 122.0 130.8 141.4 152.2 163.1 170.4 181.7 199.0 214.3 222.8 236.6 256.3 279.0 306.5 336.7
  Percent of net operating revenue 2 18.8 22.2 22.6 24.1 25.0 25.5 27.4 29.3 29.5 31.2 32.2 32.9 33.0 35.0 34.2 34.8 36.5 37.5 40.4 42.9
Noninterest expense 46.7 53.7 61.6 66.9 76.4 82.4 90.2 97.2 101.3 108.1 115.7 124.8 130.9 139.7 144.2 149.7 160.7 170.0 194.1 204.2
  Efficiency ratio a (NA) (NA) (NA) (NA) (NA) (NA) (NA) (NA) 66.2 65.8 67.3 67.8 64.7 63.9 63.4 61.8 60.8 59.2 61.0 58.7
Income taxes 5.0 4.6 3.7 4.1 4.9 5.6 5.3 5.4 10.0 9.5 7.7 8.3 14.5 19.9 22.4 26.1 28.2 31.9 32.0 39.4
Securities gain/loss, net -0.5 -0.9 -0.7 0 -0.1 1.6 4.0 1.4 0.3 0.8 0.5 3.0 4.0 3.1 -0.6 0.5 1.1 1.8 3.1 0.2
Extraordinary gains, net 0 0.1 0.1 0.1 0.2 0.2 0.3 0.2 0.8 0.3 0.6 0.7 0.4 2.1 0 0 0.1 0 0.5 0.2
 
  Net income 14.0 14.7 14.8 14.9 15.5 18.0 17.4 2.8 24.6 15.6 16.0 17.9 32.0 43.0 44.6 48.7 52.4 59.2 61.8 71.7
From domestic operations 11.9 12.3 12.5 12.5 13.3 16.3 15.7 17.6 24.3 21.5 14.2 15.3 27.0 36.0 39.3 43.1 46.0 53.1 56.6 65.0
From foreign operations 2.0 2.4 2.3 2.4 2.2 1.7 1.7 -14.8 0.3 -5.9 1.8 2.7 5.0 7.0 5.3 5.7 6.3 6.1 5.2 6.7
 
PERFORMANCE RATIOS
Return on assets 3 (percent) 0.80 0.78 0.71 0.66 0.65 0.70 0.63 0.10 0.82 0.49 0.48 0.53 0.93 1.20 1.15 1.17 1.19 1.23 1.19 1.31
Return on equity 4 (percent) 13.66 13.08 12.11 10.70 10.73 11.31 9.94 2.00 13.19 7.71 7.45 7.94 12.98 15.34 14.61 14.66 14.45 14.69 13.93 15.34
Net interest margin 5 (percent) 3.66 3.63 3.87 3.81 3.95 4.09 3.98 3.89 4.02 4.02 3.94 4.11 4.41 4.40 4.36 4.29 4.27 4.21 4.07 4.07
 
Net charge-offs 6 3.6 3.8 6.6 8.5 10.8 13.6 16.6 16.4 18.6 22.9 29.7 32.9 25.6 17.5 11.2 12.2 15.5 18.3 20.7 20.3
Net charge-offs to loans and leases, total (percent) 0.36 0.37 0.56 0.67 0.76 0.84 0.98 0.92 1.00 1.16 1.43 1.59 1.27 0.85 0.50 0.49 0.58 0.64 0.67 0.61
  Net charge-off rate, credit card loans (percent) (NA) (NA) (NA) (NA) 1.81 2.95 3.38 3.49 3.17 3.28 3.86 4.63 4.57 3.42 3.00 3.98 4.66 5.34 5.26 4.49
 
CONDITION RATIOS
 
Equity capital to assets (percent) 5.80 5.83 5.87 6.00 6.15 6.20 6.20 6.02 6.28 6.21 6.45 6.75 7.51 8.00 7.78 8.11 8.20 8.33 8.49 8.37
Noncurrent assets plus other real
estate owned to assets 7 (percent) (NA) (NA) 1.85 1.97 1.97 1.87 1.94 2.46 2.14 2.30 2.94 3.02 2.54 1.61 1.01 0.85 0.75 0.66 0.65 0.63
 
Percentage of banks losing money 3.7 5.1 8.3 10.6 13.1 17.1 19.8 17.7 14.7 12.5 13.4 11.6 6.9 4.9 4.0 3.6 4.3 4.8 6.1 7.2


- Represents or rounds to zero. NA Not available.
1 Preliminary.
2 Net operating revenue equals net interest income plus noninterest income.
a Noninterest expense less amortization of intangible assets as a percent of net interest income plus noninterest income. This ratio measures the proportion of net operating revenues that are absorbed by overhead expenses, so that a lower value indicates greater efficiency.
3 Net income (including securities transactions and nonrecurring items) as a percentage of average total assets.
4 Net income as a percentage of average total equity capital.
5 Interest income less interest expense as a percentage of average earning assets (i.e. the profit margin a bank earns on its loans and investments).
6 Total loans and leases charged off (removed from balance sheet because of uncollectibility), less amounts recovered on loans and leases previously charged off.
7 The sum of loans, leases, debt securities and other assets that are 90 days or more past due, or in nonaccrual status plus foreclosed property.

Source: U.S. Federal Deposit Insurance Corporation, Annual Report; Statistics on Banking, annual; and FDIC Quarterly Banking Profile.

http://www.fdic.gov/bank/index.html



https://allcountries.org/uscensus/801_insured_commercial_banks_income_and_selected.html

These tables are based on figures supplied by the United States Census Bureau, U.S. Department of Commerce and are subject to revision by the Census Bureau.

Copyright © 2006 Photius Coutsoukis and Information Technology Associates, all rights reserved.