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Millions of dollars except as noted, not seasonally adjusted | ||||||||||||
Account or ratio1 2 | 2001 | 2002 | 2003 | 2004 | 2005 | 2004 | 2005 | |||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Q2 | Q3 | Q4 | Q1 | Q2 | Q3 | Q4 | ||||||
Balance sheet |   | |||||||||||
Total assets | 7,486,952 | 7,991,161 | 8,880,661 | 10,339,840 | 11,335,031 | 9,711,532 | 9,959,686 | 10,339,840 | 10,710,585 | 10,956,178 | 11,257,216 | 11,335,031 |
Loans | 3,832,553 | 4,079,878 | 4,435,683 | 5,109,517 | 5,661,179 | 4,802,958 | 4,948,873 | 5,109,517 | 5,187,006 | 5,357,361 | 5,525,769 | 5,661,179 |
Securities and money market | 2,566,252 | 2,863,294 | 3,297,932 | 3,804,003 | 4,157,644 | 3,576,044 | 3,622,986 | 3,804,003 | 4,115,227 | 4,144,578 | 4,246,879 | 4,157,644 |
Allowance for loan losses | -68,833 | -74,784 | -73,817 | -74,589 | -73,048 | -76,533 | -76,045 | -74,589 | -73,384 | -72,954 | -74,091 | -73,048 |
Other | 1,156,980 | 1,122,774 | 1,220,864 | 1,500,910 | 1,589,256 | 1,409,065 | 1,463,872 | 1,500,910 | 1,481,737 | 1,527,193 | 1,558,659 | 1,589,256 |
Total liabilities | 6,901,281 | 7,350,380 | 8,177,651 | 9,453,247 | 10,395,315 | 8,938,467 | 9,107,754 | 9,453,247 | 9,820,042 | 10,035,271 | 10,328,190 | 10,395,315 |
Deposits | 4,025,769 | 4,357,245 | 4,705,043 | 5,249,489 | 5,702,150 | 5,005,101 | 5,064,670 | 5,249,489 | 5,349,232 | 5,447,870 | 5,563,613 | 5,702,150 |
Borrowings | 2,073,869 | 2,245,146 | 2,630,386 | 3,158,539 | 3,587,786 | 2,956,594 | 3,055,917 | 3,158,539 | 3,424,839 | 3,526,569 | 3,668,250 | 3,587,786 |
Other3 | 801,644 | 747,990 | 842,222 | 1,045,219 | 1,105,378 | 976,771 | 987,168 | 1,045,219 | 1,045,972 | 1,060,833 | 1,096,328 | 1,105,378 |
Total equity | 585,671 | 640,781 | 703,010 | 886,594 | 939,716 | 773,066 | 851,931 | 886,594 | 890,543 | 920,907 | 929,026 | 939,716 |
Unused commitments to lend4 | 3,481,744 | 3,650,670 | 4,097,531 | 4,823,334 | 5,438,639 | 4,426,497 | 4,574,267 | 4,823,334 | 4,930,902 | 5,065,563 | 5,247,569 | 5,438,639 |
Securitizations outstanding5 | 276,717 | 295,001 | 298,348 | 353,978 | 389,504 | 314,258 | 313,436 | 353,978 | 366,430 | 367,639 | 374,909 | 389,504 |
Derivatives (notional value, billions)6 | 48,261 | 57,865 | 72,883 | 89,115 | 99,072 | 83,079 | 84,693 | 89,115 | 92,623 | 96,658 | 98,282 | 99,072 |
Income statement |   | |||||||||||
Net income7 | 66,510 | 85,732 | 107,939 | 114,291 | 133,536 | 25,414 | 29,303 | 28,853 | 32,909 | 32,708 | 34,834 | 33,085 |
Net interest income | 224,470 | 246,048 | 257,537 | 280,621 | 296,375 | 70,719 | 70,594 | 71,675 | 72,815 | 73,179 | 74,899 | 75,483 |
Provisions for loan losses | 40,661 | 45,086 | 33,052 | 28,605 | 32,618 | 6,750 | 6,897 | 7,792 | 6,577 | 6,823 | 9,969 | 9,249 |
Noninterest income | 218,984 | 221,516 | 250,608 | 271,467 | 295,263 | 72,269 | 64,150 | 67,661 | 73,557 | 71,933 | 77,484 | 72,290 |
Noninterest expense | 302,141 | 296,966 | 316,338 | 357,711 | 370,959 | 99,804 | 84,759 | 90,009 | 91,505 | 91,436 | 94,062 | 93,957 |
Memo: | ||||||||||||
Realized security gains or losses | 4,338 | 4,598 | 5,771 | 5,491 | 1,333 | 1,012 | 2,022 | 480 | 417 | 1,478 | 484 | -1,046 |
Ratios (percent) |   | |||||||||||
Return on average equity | 11.86 | 14.11 | 16.28 | 14.48 | 14.73 | 13.26 | 14.13 | 13.37 | 14.86 | 14.58 | 15.18 | 14.32 |
Return on average assets | .91 | 1.11 | 1.26 | 1.17 | 1.21 | 1.05 | 1.19 | 1.12 | 1.24 | 1.20 | 1.25 | 1.16 |
Net interest margin8 | 3.61 | 3.74 | 3.51 | 3.39 | 3.09 | 3.44 | 3.37 | 3.29 | 3.16 | 3.08 | 3.07 | 3.05 |
Efficiency ratio7 | 66.93 | 62.41 | 61.76 | 63.45 | 61.69 | 67.26 | 62.50 | 64.34 | 60.50 | 61.72 | 61.64 | 63.82 |
Nonperforming assets to loans and related assets | 1.44 | 1.44 | 1.15 | .82 | .69 | .96 | .89 | .82 | .76 | .71 | .70 | .69 |
Net charge-offs to average loans | .91 | 1.04 | .84 | .67 | .62 | .66 | .60 | .71 | .57 | .52 | .65 | .72 |
Loans to deposits | 95.20 | 93.63 | 94.28 | 97.33 | 99.28 | 95.96 | 97.71 | 97.33 | 96.97 | 98.34 | 99.32 | 99.28 |
Regulatory capital ratios |   | |||||||||||
Tier 1 risk-based | 8.92 | 9.22 | 9.58 | 9.33 | 9.14 | 9.39 | 9.34 | 9.33 | 9.27 | 9.26 | 9.17 | 9.14 |
Total risk-based | 11.92 | 12.28 | 12.60 | 12.21 | 11.86 | 12.25 | 12.17 | 12.21 | 12.14 | 12.02 | 11.90 | 11.86 |
Leverage | 6.68 | 6.72 | 6.87 | 6.58 | 6.50 | 6.67 | 6.72 | 6.58 | 6.48 | 6.52 | 6.53 | 6.50 |
Number of reporting bank holding companies | 1,842 | 1,979 | 2,134 | 2,254 | 2,269 | 2,211 | 2,240 | 2,254 | 2,282 | 2,296 | 2,290 | 2,269 |
Note: All data are as of the most recent period shown. The historical figures may not match those in earlier versions of this table because of mergers, significant acquisitions or divestitures, or revisions or restatements to bank holding company financial reports. Data for the most recent period may not include all late-filing institutions. 1. Covers top-tier bank holding companies except (1) those with consolidated assets of less than $150 million and with only one subsidiary bank and (2) multibank holding companies with consolidated assets of less than $150 million, with no debt outstanding to the general public and not engaged in certain nonbanking activities. Return to table 2. Data for all reporting bank holding companies and the fifty large bank holding companies reflect merger adjustments to the fifty large bank holding companies. Merger adjustments account for mergers, acquisitions, other business combinations and large divestitures that occurred during the time period covered in the tables so that the historical information on each of the fifty underlying institutions depicts, to the greatest extent possible, the institutions as they exist in the most recent period. In general, adjustments for mergers among bank holding companies reflect the combination of historical data from predecessor bank holding companies. 3. Includes minority interests in consolidated subsidiaries. Return to table 4. Includes credit card lines of credit as well as commercial lines of credit. Return to table 5. Includes loans sold to securitization vehicles in which bank holding companies retain some interest, whether through recourse or seller-provided credit enhancements or by servicing the underlying assets. Securitization data were first collected on the FR Y-9C report for June 2001. Return to table 6. The notional value of a derivative is the reference amount of an asset on which an interest rate or price differential is calculated. The total notional value of a bank holding company's derivatives holdings is the sum of the notional values of each derivative contract regardless of whether the bank holding company is a payor or recipient of payments under the contract. The actual cash flows and fair market values associated with these derivative contracts are generally only a small fraction of the contract's notional value. Return to table 7. Income statement subtotals for all reporting bank holding companies and the fifty large bank holding companies exclude extraordinary items, the cumulative effects of changes in accounting principles, and discontinued operations at the fifty large institutions and therefore will not sum to Net income. The efficiency ratio is calculated excluding nonrecurring income and expenses. Return to table 8. Calculated on a fully-taxable-equivalent basis. Return to table Source: Federal Reserve Reports FRY-9C and FR Y-9LP, Federal Reserve National Information Center, and published financial reports. |
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