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32. 1997 Economic Census
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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]
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Item
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1980
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1981
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1982
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1983
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1984
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1985
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1986
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1987
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1988
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1989
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1990
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1991
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1992
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1993
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1994
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1995
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1996
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1997
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1998
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1999 1
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Interest income
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177.4
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231.3
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238.3
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217.3
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264.2
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248.2
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237.8
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244.8
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272.3
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317.4
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320.5
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289.2
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255.2
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245.1
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257.8
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302.4
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312.7
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339.5
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362.0
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367.3
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Interest expense
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120.1
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169.8
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169.3
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143.9
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181.2
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157.3
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142.8
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145.0
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165.0
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205.1
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204.9
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167.3
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121.8
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105.7
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111.3
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148.2
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150.0
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165.0
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179.3
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175.1
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Net interest income
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57.3
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61.5
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69.0
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73.4
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83.0
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90.9
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94.9
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99.9
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107.2
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112.2
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115.5
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121.9
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133.4
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139.3
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146.6
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154.2
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162.8
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174.5
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182.8
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192.2
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Provisions for loan losses
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4.5
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5.1
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8.3
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10.7
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13.7
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17.8
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22.1
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37.5
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17.2
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31.0
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32.1
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34.3
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26.0
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16.8
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11.0
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12.6
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16.3
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19.9
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22.2
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21.7
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Noninterest income
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13.3
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17.5
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20.2
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23.3
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27.7
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31.1
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35.9
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41.5
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45.0
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50.9
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54.9
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59.7
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65.6
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75.0
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76.3
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82.4
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93.6
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104.5
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123.7
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144.5
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Net operating revenue
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70.6
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79.0
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89.2
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96.7
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110.7
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122.0
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130.8
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141.4
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152.2
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163.1
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170.4
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181.7
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199.0
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214.3
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222.8
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236.6
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256.3
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279.0
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306.5
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336.7
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Percent of net operating revenue 2
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18.8
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22.2
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22.6
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24.1
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25.0
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25.5
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27.4
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29.3
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29.5
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31.2
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32.2
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32.9
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33.0
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35.0
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34.2
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34.8
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36.5
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37.5
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40.4
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42.9
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Noninterest expense
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46.7
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53.7
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61.6
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66.9
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76.4
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82.4
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90.2
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97.2
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101.3
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108.1
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115.7
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124.8
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130.9
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139.7
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144.2
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149.7
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160.7
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170.0
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194.1
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204.2
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Efficiency ratio a
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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(NA)
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66.2
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65.8
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67.3
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67.8
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64.7
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63.9
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63.4
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61.8
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60.8
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59.2
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61.0
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58.7
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Income taxes
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5.0
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4.6
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3.7
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4.1
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4.9
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5.6
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5.3
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5.4
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10.0
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9.5
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7.7
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8.3
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14.5
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19.9
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22.4
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26.1
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28.2
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31.9
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32.0
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39.4
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Securities gain/loss, net
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-0.5
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-0.9
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-0.7
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0
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-0.1
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1.6
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4.0
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1.4
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0.3
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0.8
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0.5
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3.0
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4.0
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3.1
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-0.6
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0.5
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1.1
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1.8
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3.1
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0.2
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Extraordinary gains, net
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0
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0.1
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0.1
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0.1
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0.2
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0.2
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0.3
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0.2
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0.8
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0.3
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0.6
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0.7
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0.4
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2.1
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0
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0
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0.1
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0
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0.5
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0.2
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Net income
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14.0
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14.7
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14.8
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14.9
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15.5
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18.0
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17.4
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2.8
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24.6
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15.6
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16.0
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17.9
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32.0
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43.0
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44.6
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48.7
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52.4
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59.2
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61.8
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71.7
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From domestic operations
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11.9
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12.3
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12.5
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12.5
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13.3
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16.3
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15.7
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17.6
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24.3
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21.5
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14.2
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15.3
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27.0
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36.0
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39.3
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43.1
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46.0
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53.1
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56.6
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65.0
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From foreign operations
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2.0
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2.4
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2.3
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2.4
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2.2
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1.7
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1.7
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-14.8
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0.3
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-5.9
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1.8
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2.7
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5.0
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7.0
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5.3
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5.7
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6.3
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6.1
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5.2
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6.7
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PERFORMANCE RATIOS
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Return on assets 3 (percent)
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0.80
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0.78
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0.71
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0.66
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0.65
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0.70
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0.63
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0.10
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0.82
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0.49
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0.48
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0.53
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0.93
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1.20
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1.15
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1.17
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1.19
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1.23
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1.19
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1.31
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Return on equity 4 (percent)
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13.66
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13.08
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12.11
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10.70
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10.73
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11.31
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9.94
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2.00
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13.19
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7.71
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7.45
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7.94
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12.98
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15.34
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14.61
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14.66
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14.45
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14.69
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13.93
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15.34
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Net interest margin 5 (percent)
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3.66
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3.63
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3.87
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3.81
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3.95
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4.09
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3.98
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3.89
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4.02
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4.02
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3.94
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4.11
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4.41
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4.40
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4.36
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4.29
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4.27
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4.21
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4.07
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4.07
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Net charge-offs 6
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3.6
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3.8
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6.6
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8.5
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10.8
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13.6
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16.6
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16.4
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18.6
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22.9
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29.7
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32.9
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25.6
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17.5
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11.2
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12.2
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15.5
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18.3
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20.7
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20.3
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Net charge-offs to loans and leases, total (percent)
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0.36
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0.37
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0.56
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0.67
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0.76
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0.84
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0.98
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0.92
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1.00
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1.16
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1.43
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1.59
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1.27
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0.85
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0.50
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0.49
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0.58
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0.64
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0.67
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0.61
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Net charge-off rate, credit card loans (percent)
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(NA)
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(NA)
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(NA)
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(NA)
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1.81
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2.95
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3.38
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3.49
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3.17
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3.28
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3.86
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4.63
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4.57
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3.42
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3.00
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3.98
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4.66
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5.34
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5.26
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4.49
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CONDITION RATIOS
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Equity capital to assets (percent)
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5.80
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5.83
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5.87
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6.00
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6.15
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6.20
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6.20
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6.02
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6.28
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6.21
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6.45
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6.75
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7.51
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8.00
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7.78
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8.11
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8.20
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8.33
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8.49
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8.37
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Noncurrent assets plus other real
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estate owned to assets 7 (percent)
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(NA)
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(NA)
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1.85
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1.97
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1.97
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1.87
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1.94
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2.46
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2.14
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2.30
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2.94
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3.02
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2.54
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1.61
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1.01
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0.85
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0.75
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0.66
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0.65
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0.63
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Percentage of banks losing money
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3.7
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5.1
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8.3
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10.6
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13.1
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17.1
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19.8
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17.7
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14.7
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12.5
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13.4
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11.6
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6.9
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4.9
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4.0
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3.6
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4.3
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4.8
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6.1
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7.2
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- 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 percentof 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 nonrecurringitems) 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 averageearning assets (i.e. the profit margin a bank earns on its loansand investments).
6 Total loans and leases charged off (removed from balance sheetbecause of uncollectibility), less amounts recovered on loans andleases previously charged off.
7 The sum of loans, leases, debt securities and other assets that are 90days 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 © 2019 Photius Coutsoukis and Information Technology Associates, all rights reserved.
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