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| E. Banks not ranked among the 1,000 largest by assets | ||||||||||
| Item | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 |
|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet items as a percentage of average net consolidated assets |
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| Interest-earning assets | 92.45 | 92.45 | 92.64 | 92.55 | 92.52 | 92.26 | 92.22 | 92.14 | 92.34 | 92.31 |
| Loans and leases, net | 57.38 | 58.76 | 59.11 | 59.76 | 62.31 | 62.67 | 62.72 | 62.32 | 63.81 | 65.45 |
| Commercial and industrial | 9.98 | 10.16 | 10.33 | 10.64 | 11.09 | 11.10 | 10.71 | 10.42 | 10.29 | 10.21 |
| U.S. addressees | 9.91 | 10.08 | 10.25 | 10.55 | 11.02 | 11.02 | 10.64 | 10.37 | 10.25 | 10.15 |
| Foreign addressees | .07 | .08 | .08 | .08 | .07 | .08 | .06 | .05 | .04 | .06 |
| Consumer | 9.42 | 8.98 | 8.46 | 8.16 | 7.98 | 7.42 | 6.77 | 6.16 | 5.45 | 4.97 |
| Credit card | 1.04 | .85 | .70 | .69 | .59 | .57 | .49 | .51 | .40 | .36 |
| Installment and other | 8.39 | 8.14 | 7.76 | 7.47 | 7.39 | 6.85 | 6.28 | 5.64 | 5.05 | 4.61 |
| Real estate | 34.10 | 35.55 | 36.04 | 36.84 | 39.29 | 40.30 | 41.52 | 42.31 | 44.76 | 46.99 |
| In domestic offices | 34.10 | 35.55 | 36.04 | 36.83 | 39.29 | 40.30 | 41.52 | 42.31 | 44.76 | 46.99 |
| Construction and land development | 2.61 | 2.82 | 3.02 | 3.28 | 3.70 | 4.23 | 4.51 | 4.99 | 6.01 | 7.46 |
| Farmland | 2.55 | 2.69 | 2.83 | 2.95 | 3.06 | 3.04 | 3.08 | 3.12 | 3.22 | 3.25 |
| One- to four-family residential | 17.47 | 18.16 | 18.04 | 17.66 | 18.43 | 18.24 | 17.91 | 17.09 | 17.20 | 17.15 |
| Home equity | 1.20 | 1.24 | 1.21 | 1.17 | 1.28 | 1.37 | 1.62 | 1.80 | 2.12 | 2.20 |
| Other | 16.28 | 16.92 | 16.83 | 16.49 | 17.15 | 16.87 | 16.29 | 15.30 | 15.08 | 14.95 |
| Multifamily residential | .92 | .95 | .93 | .98 | 1.04 | 1.06 | 1.16 | 1.28 | 1.41 | 1.48 |
| Nonfarm nonresidential | 10.54 | 10.93 | 11.22 | 11.96 | 13.06 | 13.71 | 14.86 | 15.82 | 16.93 | 17.65 |
| In foreign offices | * | * | * | * | * | * | * | * | * | * |
| To depository institutions and acceptances of other banks | .21 | .20 | .14 | .14 | .12 | .12 | .10 | .09 | .07 | .05 |
| Foreign governments | * | * | * | .01 | .01 | * | * | * | * | * |
| Agricultural production | 3.92 | 4.05 | 4.27 | 4.06 | 3.85 | 3.76 | 3.64 | 3.39 | 3.25 | 3.21 |
| Other loans | .69 | .67 | .67 | .67 | .69 | .67 | .65 | .66 | .68 | .70 |
| Lease-financing receivables | .23 | .25 | .24 | .26 | .27 | .27 | .31 | .26 | .25 | .24 |
| Less: Unearned income on loans | -.27 | -.24 | -.20 | -.15 | -.11 | -.09 | -.07 | -.06 | -.06 | -.05 |
| Less: Loss reserves1 | -.90 | -.87 | -.86 | -.87 | -.88 | -.88 | -.90 | -.92 | -.89 | -.87 |
| Securities | 29.53 | 28.24 | 26.70 | 26.91 | 25.40 | 22.80 | 23.34 | 23.46 | 23.33 | 21.91 |
| Investment account | 29.50 | 28.21 | 26.66 | 26.88 | 25.38 | 22.79 | 23.33 | 23.43 | 23.33 | 21.90 |
| Debt | 29.01 | 27.69 | 26.12 | 26.34 | 24.82 | 22.49 | 23.05 | 23.12 | 23.06 | 21.70 |
| U.S. Treasury | 7.85 | 6.70 | 5.05 | 3.34 | 2.12 | 1.33 | 1.04 | .90 | .81 | .71 |
| U.S. government agency and corporation obligations | 15.67 | 15.58 | 15.43 | 16.89 | 16.95 | 15.27 | 16.07 | 16.22 | 16.57 | 15.63 |
| Government-backed mortgage pools | 4.21 | 4.01 | 3.90 | 3.95 | 3.47 | 3.78 | 4.54 | 4.84 | 4.75 | 4.23 |
| Collateralized mortgage obligations | 2.46 | 2.19 | 2.02 | 2.00 | 1.70 | 1.94 | 2.30 | 2.20 | 1.96 | 1.70 |
| Other | 9.00 | 9.38 | 9.51 | 10.93 | 11.78 | 9.56 | 9.23 | 9.19 | 9.85 | 9.70 |
| State and local government | 4.62 | 4.60 | 4.80 | 4.96 | 4.64 | 4.51 | 4.56 | 4.73 | 4.67 | 4.49 |
| Private mortgage-backed securities | .18 | .20 | .16 | .26 | .23 | .27 | .26 | .21 | .19 | .22 |
| Other | .68 | .61 | .68 | .89 | .88 | 1.11 | 1.12 | 1.05 | .83 | .65 |
| Equity | .49 | .52 | .54 | .53 | .56 | .30 | .27 | .31 | .26 | .20 |
| Trading account | .03 | .03 | .04 | .03 | .02 | .01 | .01 | .04 | .01 | .02 |
| Gross federal funds sold and reverse RPs | 4.04 | 3.95 | 5.12 | 4.17 | 3.22 | 5.01 | 4.26 | 4.26 | 3.33 | 3.24 |
| Interest-bearing balances at depositories | 1.51 | 1.49 | 1.72 | 1.71 | 1.59 | 1.78 | 1.90 | 2.08 | 1.86 | 1.70 |
| Non-interest-earning assets | 7.55 | 7.55 | 7.36 | 7.45 | 7.48 | 7.74 | 7.78 | 7.86 | 7.66 | 7.69 |
| Revaluation gains held in trading accounts | * | * | * | * | * | * | * | * | * | * |
| Other | 7.55 | 7.55 | 7.36 | 7.45 | 7.48 | 7.74 | 7.78 | 7.86 | 7.66 | 7.69 |
| Liabilities | 89.82 | 89.63 | 89.54 | 89.75 | 89.88 | 89.59 | 89.73 | 89.58 | 89.55 | 89.48 |
| Core deposits | 75.76 | 74.58 | 73.75 | 72.74 | 70.87 | 69.92 | 70.04 | 69.96 | 69.24 | 67.68 |
| Transaction deposits | 24.88 | 24.48 | 24.26 | 23.87 | 23.20 | 22.35 | 22.66 | 23.18 | 23.36 | 22.71 |
| Demand deposits | 13.13 | 13.09 | 13.08 | 12.80 | 12.64 | 12.16 | 12.24 | 12.58 | 12.77 | 12.76 |
| Other checkable deposits | 11.75 | 11.39 | 11.18 | 11.07 | 10.57 | 10.19 | 10.42 | 10.60 | 10.59 | 9.95 |
| Savings deposits (including MMDAs) | 19.60 | 19.00 | 19.05 | 19.77 | 19.19 | 19.38 | 21.32 | 22.43 | 23.24 | 22.98 |
| Small time deposits | 31.29 | 31.10 | 30.43 | 29.11 | 28.48 | 28.19 | 26.05 | 24.36 | 22.64 | 21.99 |
| Managed liabilities2 | 12.99 | 14.02 | 14.76 | 16.09 | 18.08 | 18.67 | 18.79 | 18.78 | 19.57 | 21.04 |
| Large time deposits | 9.77 | 10.51 | 11.11 | 11.52 | 12.51 | 13.55 | 13.21 | 13.07 | 13.15 | 14.53 |
| Deposits booked in foreign offices | .11 | .10 | .07 | .08 | .05 | .06 | .07 | .06 | .07 | .06 |
| Subordinated notes and debentures | .02 | .01 | .01 | .01 | .02 | .02 | .04 | .03 | .04 | .03 |
| Gross federal funds purchased and RPs | 1.71 | 1.67 | 1.49 | 1.79 | 2.06 | 1.55 | 1.51 | 1.52 | 1.76 | 1.74 |
| Other managed liabilities | 1.39 | 1.73 | 2.08 | 2.69 | 3.44 | 3.49 | 3.96 | 4.09 | 4.55 | 4.69 |
| Revaluation losses held in trading accounts | * | * | * | * | * | * | * | * | * | * |
| Other | 1.06 | 1.02 | 1.03 | .92 | .93 | 1.00 | .90 | .84 | .74 | .77 |
| Capital account | 10.18 | 10.37 | 10.46 | 10.25 | 10.12 | 10.41 | 10.27 | 10.42 | 10.45 | 10.52 |
| Memo | ||||||||||
| Commercial real estate loans3 | 14.18 | 14.80 | 15.27 | 16.33 | 17.91 | 19.15 | 20.67 | 22.23 | 24.50 | 26.76 |
| Other real estate owned4 | .20 | .16 | .13 | .11 | .11 | .12 | .14 | .15 | .14 | .13 |
| Mortgage-backed securities | 6.85 | 6.39 | 6.07 | 6.22 | 5.39 | 5.99 | 7.10 | 7.24 | 6.90 | 6.15 |
| Federal Home Loan Bank advances | n.a. | n.a. | n.a. | n.a. | n.a. | 3.34 | 3.71 | 3.87 | 4.33 | 4.47 |
| Average net consolidated assets (billions of dollars) | 661 | 647 | 644 | 651 | 655 | 675 | 704 | 742 | 769 | 805 |
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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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