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A.1. Portfolio composition, interest rates, and income and expense, U.S. banks, 1996-2005
D. Banks ranked 101 through 1,000 by assets
Item 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
 
Interest-earning assets 91.11 91.34 91.38 91.68 91.50 91.16 91.36 91.34 91.56 91.32
Loans and leases, net 62.72 62.34 61.23 61.48 62.15 62.46 61.46 61.32 63.33 65.15
Commercial and industrial 12.76 12.38 12.45 12.64 12.95 13.03 12.38 11.51 11.52 11.78
U.S. addressees 12.58 12.14 12.12 12.32 12.60 12.65 12.06 11.20 11.21 11.48
Foreign addressees .18 .23 .32 .32 .36 .38 .31 .31 .31 .30
Consumer 16.11 14.36 12.56 10.79 10.19 9.76 8.13 6.79 6.33 5.42
Credit card 6.92 5.87 4.78 3.37 3.27 3.61 2.63 1.82 1.91 1.24
Installment and other 9.19 8.49 7.78 7.41 6.92 6.15 5.50 4.97 4.42 4.18
Real estate 31.28 33.10 33.83 35.90 36.93 37.64 38.92 40.96 43.38 45.86
In domestic offices 31.26 33.08 33.81 35.87 36.91 37.62 38.89 40.91 43.32 45.78
Construction and land development 2.38 2.68 2.87 3.48 4.15 4.90 5.40 5.89 6.98 8.81
Farmland .46 .52 .56 .58 .65 .66 .73 .80 .91 .99
One- to four-family residential 17.29 18.08 18.14 18.26 17.17 16.18 15.39 15.71 15.36 15.22
Home equity 2.30 2.29 2.14 1.99 2.10 2.21 2.51 2.92 3.46 3.61
Other 14.99 15.78 16.00 16.26 15.06 13.97 12.88 12.79 11.90 11.61
Multifamily residential 1.28 1.28 1.25 1.44 1.58 1.69 1.83 2.00 2.24 2.37
Nonfarm nonresidential 9.85 10.52 10.99 12.12 13.36 14.18 15.55 16.51 17.82 18.40
In foreign offices .02 .02 .02 .02 .02 .02 .03 .05 .06 .08
To depository institutions and acceptances of other banks .50 .59 .52 .46 .37 .38 .37 .37 .25 .13
Foreign governments .02 .02 .03 .03 .03 .03 .02 .02 .01 *
Agricultural production .70 .73 .80 .78 .82 .85 .86 .83 .82 .81
Other loans 1.67 1.47 1.30 1.25 1.22 1.22 1.18 1.25 1.32 1.36
Lease-financing receivables 1.00 .99 .99 .78 .75 .74 .75 .67 .75 .75
Less: Unearned income on loans -.10 -.10 -.09 -.08 -.08 -.07 -.06 -.06 -.06 -.06
Less: Loss reserves1 -1.23 -1.19 -1.15 -1.06 -1.04 -1.12 -1.10 -1.02 -.98 -.90
Securities 22.61 23.37 24.18 25.17 24.34 22.81 23.86 24.36 23.59 21.58
Investment account 22.49 23.26 24.08 25.09 24.25 22.70 23.80 24.23 23.54 21.50
Debt 21.97 22.65 23.39 24.33 23.46 22.28 23.30 23.79 23.18 21.21
U.S. Treasury 5.59 4.94 3.91 2.53 1.81 1.32 1.22 1.00 1.02 .83
U.S. government agency and corporation obligations 12.62 13.91 15.08 16.29 15.56 14.70 15.85 16.96 16.70 15.05
Government-backed mortgage pools 5.67 6.20 6.45 6.72 6.22 6.27 6.55 7.03 6.80 5.73
Collateralized mortgage obligations 3.11 3.00 3.21 3.52 3.04 3.08 3.69 3.69 3.41 3.16
Other 3.84 4.71 5.42 6.05 6.30 5.35 5.60 6.24 6.49 6.16
State and local government 2.23 2.43 2.69 2.91 2.91 2.90 2.89 2.95 2.92 2.78
Private mortgage-backed securities .76 .59 .65 1.00 .99 .94 .99 .87 1.08 1.17
Other .76 .78 1.06 1.60 2.19 2.42 2.34 2.01 1.46 1.37
Equity .52 .61 .69 .77 .79 .43 .50 .43 .36 .29
Trading account .12 .10 .11 .08 .09 .11 .06 .14 .05 .08
Gross federal funds sold and reverse RPs 3.86 3.59 4.16 3.35 3.40 4.20 4.15 3.85 2.95 2.83
Interest-bearing balances at depositories 1.93 2.05 1.80 1.68 1.60 1.68 1.89 1.81 1.69 1.76
Non-interest-earning assets 8.89 8.66 8.62 8.32 8.50 8.84 8.64 8.66 8.44 8.68
Revaluation gains held in trading accounts .02 * * .01 .02 .01 .01 * * *
Other 8.86 8.66 8.62 8.31 8.49 8.84 8.64 8.66 8.44 8.68
 
Liabilities 91.06 90.78 90.55 90.90 90.95 90.32 89.93 89.69 89.18 89.10
Core deposits 64.28 64.06 63.87 62.48 60.80 60.33 61.26 61.31 60.40 59.08
Transaction deposits 19.99 18.05 16.08 13.94 12.29 11.48 11.37 11.50 11.77 11.16
Demand deposits 13.80 13.11 11.87 10.19 8.97 8.23 8.05 7.96 8.13 7.88
Other checkable deposits 6.19 4.94 4.22 3.75 3.32 3.25 3.32 3.54 3.64 3.28
Savings deposits (including MMDAs) 22.69 23.97 26.43 28.55 28.55 29.40 32.34 34.00 34.42 33.74
Small time deposits 21.60 22.05 21.36 19.99 19.96 19.46 17.55 15.81 14.20 14.17
Managed liabilities2 24.96 24.89 24.65 26.33 28.01 27.75 26.57 26.40 26.98 28.34
Large time deposits 8.34 9.68 10.09 10.30 11.98 12.60 12.17 11.92 12.12 13.60
Deposits booked in foreign offices 1.34 1.23 1.31 1.20 1.28 1.24 .88 .64 .65 .57
Subordinated notes and debentures .36 .33 .37 .35 .30 .31 .34 .35 .35 .27
Gross federal funds purchased and RPs 8.17 7.06 6.15 6.90 6.30 5.77 5.27 5.35 5.52 5.54
Other managed liabilities 6.74 6.59 6.73 7.57 8.15 7.84 7.90 8.13 8.34 8.35
Revaluation losses held in trading accounts .02 .01 .01 .01 * .01 .01 * * *
Other 1.79 1.82 2.02 2.10 2.13 2.23 2.08 1.98 1.81 1.69
 
Capital account 8.94 9.22 9.45 9.10 9.05 9.68 10.07 10.31 10.82 10.90
 
Memo  
Commercial real estate loans3 13.80 14.72 15.33 17.28 19.32 21.03 23.05 24.62 27.25 29.79
Other real estate owned4 .13 .11 .09 .08 .07 .08 .10 .11 .10 .08
Mortgage-backed securities 9.55 9.79 10.30 11.24 10.25 10.29 11.24 11.59 11.29 10.06
Federal Home Loan Bank advances n.a. n.a. n.a. n.a. n.a. 5.27 5.71 6.29 6.46 6.42
Average net consolidated assets (billions of dollars) 1,078 971 938 972 986 1,002 1,022 1,072 1,080 1,152

1. Includes allocated transfer risk reserve.  Return to table

2. Measured as the sum of large time deposits in domestic offices, deposits booked in foreign offices, subordinated notes and debentures, federal funds purchased and securities sold under repurchase agreements, Federal Home Loan Bank advances, and other borrowed money.  Return to table

3. Measured as the sum of construction and land development loans secured by real estate; real estate loans secured by nonfarm nonresidential properties or by multifamily residential properties; and loans to finance commercial real estate, construction, and land development activities not secured by real estate.  Return to table

4. Other real estate owned is a component of other non-interest-earning assets.  Return to table

* In absolute value, less than 0.005 percent.

n.a. Not available.

MMDA Money market deposit account.

RP Repurchase agreement.

MBS Mortgage-backed securities.  Return to text
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Last update: February 5, 2009