COMMERCIAL BANK PEER PERFORMANCE SUMMARY - ALL U.S. BANKS
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 7,212 7,334 7,457 7,567 7,713 7,833 8,023
TOTAL ASSETS 10,903 9,875 8,887 8,272 7,470 6,955 6,455
AVERAGE ASSETS - YTD 10,100 9,754 8,479 7,561 7,066 6,500 6,021
TOTAL LOANS 6,473 5,845 5,272 4,816 4,345 4,092 3,843
OTHER REAL ESTATE OWNED 10 5 4 4 4 4 4
LOAN LOSS RESERVES 87 68 67 72 75 75 70
TOTAL DEPOSITS 7,127 6,584 5,965 5,498 4,942 4,608 4,309
NET INCOME 97 124 110 101 100 88 73
PERCENT OF ASSETS:
TOTAL LOANS 59.37 59.19 59.32 58.22 58.17 58.83 59.54
US & AGENCY SECURITIES 8.64 10.94 11.87 13.07 13.37 12.96 11.82
ALL OTHER SECURITIES 5.62 5.57 5.64 5.31 5.71 5.56 5.62
EQUITY CAPITAL 10.22 10.14 10.02 10.05 9.05 9.16 9.10
TOTAL CAPITAL 12.60 12.33 12.15 12.25 11.41 11.59 11.66
PERCENT OF TOTAL LOANS:
FARM LOANS 1.75 1.82 1.88 1.93 2.00 2.07 2.17
BUSINESS LOANS 20.48 18.94 18.76 18.40 19.45 21.90 25.22
CONSUMER LOANS 14.01 13.93 15.18 16.75 17.09 16.61 15.86
REAL ESTATE LOANS 55.15 56.98 55.13 52.96 50.73 48.97 45.58
LOAN LOSS RESERVES 1.34 1.16 1.28 1.50 1.74 1.83 1.83
NONCURRENT LOANS * 1.31 0.79 0.75 0.86 1.20 1.46 1.41
PERCENT OF AVG ASSETS:
INTEREST INCOME 5.90 5.49 5.01 4.49 4.66 5.39 6.55
INTEREST EXPENSE 2.97 2.64 1.91 1.27 1.34 1.83 3.05
NET INTEREST INCOME 2.93 2.85 3.10 3.22 3.32 3.56 3.50
PERSONNEL EXPENSE 1.39 1.35 1.44 1.45 1.51 1.53 1.53
OCCUPANCY EXPENSE 0.38 0.37 0.41 0.42 0.44 0.45 0.46
OTHER EXPENSE 1.18 1.12 1.27 1.39 1.40 1.46 1.53
TOTAL NONINTEREST EXP 3.03 2.92 3.20 3.35 3.42 3.52 3.63
NONINTEREST INCOME 2.02 2.16 2.32 2.38 2.57 2.57 2.55
PROVISION FOR LN LOSS 0.54 0.25 0.30 0.33 0.47 0.71 0.68
SECURITY GAINS/LOSSES 0.00 -0.01 -0.00 0.05 0.08 0.10 0.07
INCOME TAXES 0.41 0.58 0.61 0.62 0.67 0.66 0.60
NET INCOME 0.96 1.27 1.30 1.34 1.41 1.35 1.21
DIVIDEND PAYOUT RATE 79.29 62.32 56.69 52.70 76.76 75.14 73.17
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.76 0.54 0.76 0.86 1.12 1.33 1.15
NET LOAN LOSSES 0.62 0.40 0.57 0.66 0.91 1.15 0.98
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 10.58 7.24 6.09 5.66 5.64 6.18 7.45
ROAA OF MORE THAN 1.5% 19.27 22.20 24.18 21.73 21.56 23.53 19.68
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - U.S. BANKS BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US - LT $25MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 468 537 585 615 692 764 867
TOTAL ASSETS 7.98 9.23 9.95 10.42 11.72 12.95 14.50
AVERAGE ASSETS - YTD 7.59 9.00 9.52 10.08 11.68 12.44 13.71
TOTAL LOANS 4.21 4.97 5.24 5.56 6.14 6.95 7.79
OTHER REAL ESTATE OWNED 0.01 0.01 0.01 0.02 0.02 0.02 0.02
LOAN LOSS RESERVES 0.07 0.08 0.09 0.10 0.11 0.12 0.13
TOTAL DEPOSITS 6.12 7.19 7.79 8.46 9.56 10.59 11.86
NET INCOME 0.01 0.04 0.05 0.06 0.07 0.14 0.10
PERCENT OF ASSETS:
TOTAL LOANS 52.74 53.78 52.66 53.38 52.35 53.65 53.71
US & AGENCY SECURITIES 19.57 20.08 21.98 21.94 21.55 20.29 19.68
ALL OTHER SECURITIES 4.02 4.13 4.49 5.09 5.08 5.15 5.33
EQUITY CAPITAL 20.77 19.46 18.56 16.12 15.93 15.35 15.37
TOTAL CAPITAL 21.65 20.36 19.47 17.05 16.85 16.27 16.29
PERCENT OF TOTAL LOANS:
FARM LOANS 32.06 33.00 33.76 32.59 32.10 33.12 31.54
BUSINESS LOANS 14.76 14.65 14.39 14.49 14.50 14.03 14.83
CONSUMER LOANS 11.41 11.89 12.03 12.84 13.44 13.56 14.78
REAL ESTATE LOANS 40.25 39.33 38.54 38.47 38.44 37.72 37.46
LOAN LOSS RESERVES 1.66 1.67 1.70 1.72 1.73 1.68 1.70
NONCURRENT LOANS * 1.25 1.13 1.14 1.07 1.26 1.38 1.31
PERCENT OF AVG ASSETS:
INTEREST INCOME 5.99 5.62 5.13 4.84 5.00 5.82 6.81
INTEREST EXPENSE 2.16 1.83 1.34 1.12 1.39 2.01 3.02
NET INTEREST INCOME 3.83 3.79 3.79 3.72 3.61 3.81 3.79
PERSONNEL EXPENSE 2.55 2.48 2.35 2.24 2.20 2.44 2.56
OCCUPANCY EXPENSE 0.53 0.50 0.47 0.46 0.46 0.47 0.51
OTHER EXPENSE 1.91 2.12 1.55 1.46 1.46 2.71 2.93
TOTAL NONINTEREST EXP 5.00 5.12 4.38 4.18 4.16 5.66 6.03
NONINTEREST INCOME 1.74 2.13 1.48 1.44 1.63 3.69 3.91
PROVISION FOR LN LOSS 0.23 0.17 0.15 0.17 0.19 0.22 0.33
SECURITY GAINS/LOSSES -0.01 -0.02 -0.01 0.00 0.03 0.02 0.02
INCOME TAXES 0.19 0.19 0.20 0.21 0.34 0.55 0.52
NET INCOME 0.13 0.42 0.51 0.59 0.59 1.09 0.77
DIVIDEND PAYOUT RATE 662.15 179.69 135.44 114.68 118.82 112.01 154.64
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.39 0.32 0.33 0.35 0.43 0.53 0.53
NET LOAN LOSSES 0.28 0.19 0.18 0.22 0.29 0.36 0.41
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 23.08 18.81 16.41 15.61 15.46 14.92 17.76
ROAA OF MORE THAN 1.5% 16.88 17.50 16.07 14.47 13.44 15.31 14.88
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - U.S. BANKS BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US - $25-100MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 2,577 2,690 2,849 3,016 3,200 3,385 3,597
TOTAL ASSETS 154.08 160.31 169.04 177.73 188.35 197.74 206.60
AVERAGE ASSETS - YTD 146.42 157.51 161.49 170.57 181.01 187.67 195.09
TOTAL LOANS 97.42 100.36 106.22 110.54 115.24 121.64 127.23
OTHER REAL ESTATE OWNED 0.32 0.22 0.21 0.26 0.31 0.32 0.29
LOAN LOSS RESERVES 1.28 1.36 1.47 1.57 1.68 1.75 1.76
TOTAL DEPOSITS 127.05 133.18 141.25 149.15 159.05 167.30 175.41
NET INCOME 1.13 1.42 1.62 1.71 1.74 1.90 1.80
PERCENT OF ASSETS:
TOTAL LOANS 63.23 62.61 62.84 62.20 61.18 61.52 61.58
US & AGENCY SECURITIES 16.92 17.67 18.44 19.11 19.02 18.12 18.06
ALL OTHER SECURITIES 4.95 4.92 5.16 5.52 5.86 5.78 5.89
EQUITY CAPITAL 12.95 12.32 11.42 11.19 10.93 10.83 10.59
TOTAL CAPITAL 13.79 13.17 12.28 12.07 11.83 11.72 11.45
PERCENT OF TOTAL LOANS:
FARM LOANS 18.48 18.67 18.32 18.03 17.39 17.25 16.90
BUSINESS LOANS 15.88 15.92 15.96 15.99 16.44 16.97 17.34
CONSUMER LOANS 8.00 8.44 9.04 9.58 10.44 11.29 12.27
REAL ESTATE LOANS 56.37 55.75 55.46 55.10 54.44 53.23 52.19
LOAN LOSS RESERVES 1.32 1.35 1.38 1.42 1.46 1.44 1.39
NONCURRENT LOANS * 1.17 0.93 0.87 0.94 1.08 1.11 1.08
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.53 6.02 5.62 5.21 5.44 6.17 7.24
INTEREST EXPENSE 2.70 2.25 1.69 1.36 1.61 2.19 3.34
NET INTEREST INCOME 3.84 3.77 3.93 3.85 3.83 3.98 3.90
PERSONNEL EXPENSE 1.94 1.80 1.82 1.77 1.79 1.75 1.73
OCCUPANCY EXPENSE 0.46 0.44 0.45 0.44 0.45 0.45 0.46
OTHER EXPENSE 1.17 1.05 1.07 1.04 1.24 1.05 1.04
TOTAL NONINTEREST EXP 3.60 3.30 3.36 3.26 3.49 3.26 3.25
NONINTEREST INCOME 0.92 0.81 0.86 0.86 1.14 0.83 0.81
PROVISION FOR LN LOSS 0.22 0.18 0.19 0.22 0.27 0.30 0.30
SECURITY GAINS/LOSSES -0.01 -0.01 -0.01 0.02 0.04 0.04 0.04
INCOME TAXES 0.16 0.20 0.23 0.25 0.28 0.27 0.26
NET INCOME 0.77 0.90 1.01 1.00 0.96 1.02 0.92
DIVIDEND PAYOUT RATE 87.64 71.75 71.64 63.28 77.40 59.83 66.28
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.33 0.25 0.30 0.37 0.43 0.45 0.43
NET LOAN LOSSES 0.24 0.17 0.20 0.27 0.33 0.34 0.34
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 15.75 11.49 9.41 8.45 8.06 8.33 9.48
ROAA OF MORE THAN 1.5% 18.74 20.30 21.34 20.56 20.00 21.74 17.68
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - U.S. BANKS BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US - $100-300MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 2,462 2,445 2,450 2,472 2,443 2,391 2,334
TOTAL ASSETS 428.67 424.34 425.42 424.85 417.89 406.99 394.17
AVERAGE ASSETS - YTD 407.39 417.15 401.78 404.31 398.34 384.57 372.37
TOTAL LOANS 296.46 288.32 285.55 282.66 269.10 260.24 252.96
OTHER REAL ESTATE OWNED 0.93 0.54 0.49 0.55 0.60 0.59 0.52
LOAN LOSS RESERVES 3.66 3.60 3.63 3.73 3.74 3.60 3.44
TOTAL DEPOSITS 352.47 352.54 352.36 351.88 347.22 339.01 329.18
NET INCOME 4.09 4.74 4.90 4.84 4.68 4.52 4.31
PERCENT OF ASSETS:
TOTAL LOANS 69.16 67.95 67.12 66.53 64.40 63.94 64.18
US & AGENCY SECURITIES 14.07 14.88 15.53 16.73 17.66 16.86 16.33
ALL OTHER SECURITIES 5.22 5.10 5.46 5.80 6.27 6.54 6.60
EQUITY CAPITAL 10.75 10.50 10.11 10.07 9.96 10.01 9.81
TOTAL CAPITAL 11.62 11.37 10.99 10.98 10.90 10.92 10.71
PERCENT OF TOTAL LOANS:
FARM LOANS 9.36 8.84 8.56 8.39 8.19 8.05 7.61
BUSINESS LOANS 15.65 15.50 15.36 15.53 16.12 16.54 17.43
CONSUMER LOANS 6.07 6.45 6.77 7.51 8.60 9.59 10.71
REAL ESTATE LOANS 67.56 67.91 67.94 67.28 65.69 64.35 62.74
LOAN LOSS RESERVES 1.23 1.25 1.27 1.32 1.39 1.38 1.36
NONCURRENT LOANS * 1.20 0.77 0.69 0.76 0.92 0.98 0.97
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.72 6.27 5.74 5.28 5.47 6.17 7.27
INTEREST EXPENSE 2.95 2.47 1.81 1.41 1.62 2.16 3.29
NET INTEREST INCOME 3.77 3.80 3.93 3.87 3.85 4.01 3.98
PERSONNEL EXPENSE 1.72 1.65 1.70 1.68 1.70 1.70 1.70
OCCUPANCY EXPENSE 0.43 0.41 0.42 0.42 0.43 0.45 0.46
OTHER EXPENSE 1.08 1.10 1.16 1.17 1.18 1.23 1.22
TOTAL NONINTEREST EXP 3.25 3.17 3.29 3.30 3.32 3.39 3.41
NONINTEREST INCOME 1.00 1.04 1.15 1.21 1.27 1.26 1.30
PROVISION FOR LN LOSS 0.26 0.21 0.21 0.23 0.29 0.33 0.32
SECURITY GAINS/LOSSES -0.00 -0.01 -0.00 0.01 0.04 0.04 0.04
INCOME TAXES 0.26 0.32 0.37 0.37 0.38 0.40 0.43
NET INCOME 1.00 1.14 1.22 1.20 1.17 1.18 1.16
DIVIDEND PAYOUT RATE 63.98 65.62 52.44 49.28 52.71 52.24 53.63
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.32 0.25 0.26 0.33 0.42 0.44 0.44
NET LOAN LOSSES 0.26 0.18 0.19 0.24 0.32 0.35 0.35
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 7.43 4.21 2.86 2.47 2.21 2.55 3.38
ROAA OF MORE THAN 1.5% 19.50 22.78 26.12 23.02 22.96 24.97 21.85
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - U.S. BANKS BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US - $300-1,000MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 1,214 1,186 1,112 1,032 964 899 835
TOTAL ASSETS 623.68 604.88 564.55 520.16 483.75 454.67 417.13
AVERAGE ASSETS - YTD 592.54 595.35 529.67 489.68 461.34 427.11 390.39
TOTAL LOANS 446.01 424.40 389.42 352.86 316.67 297.55 273.16
OTHER REAL ESTATE OWNED 1.37 0.61 0.55 0.58 0.65 0.62 0.47
LOAN LOSS RESERVES 5.58 5.17 4.95 4.93 4.55 4.35 3.94
TOTAL DEPOSITS 495.17 487.59 454.18 413.58 384.54 362.58 334.08
NET INCOME 6.47 7.26 7.22 6.52 6.11 5.69 4.80
PERCENT OF ASSETS:
TOTAL LOANS 71.51 70.16 68.98 67.84 65.46 65.44 65.48
US & AGENCY SECURITIES 12.43 13.57 14.69 16.18 17.55 16.66 16.23
ALL OTHER SECURITIES 5.32 5.16 5.25 5.66 6.06 6.22 6.43
EQUITY CAPITAL 10.01 9.93 9.82 9.87 9.74 9.72 9.51
TOTAL CAPITAL 11.00 10.89 10.81 10.94 10.85 10.77 10.53
PERCENT OF TOTAL LOANS:
FARM LOANS 4.77 4.49 4.21 4.25 4.17 4.06 4.03
BUSINESS LOANS 14.75 14.61 14.88 15.66 16.42 16.94 17.99
CONSUMER LOANS 4.85 5.41 6.16 7.15 8.26 9.37 10.62
REAL ESTATE LOANS 73.74 73.62 72.75 70.63 68.63 67.15 64.72
LOAN LOSS RESERVES 1.25 1.22 1.27 1.40 1.44 1.46 1.44
NONCURRENT LOANS * 1.30 0.67 0.59 0.66 0.86 0.90 0.91
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.77 6.30 5.76 5.21 5.32 6.11 7.24
INTEREST EXPENSE 3.07 2.58 1.87 1.38 1.54 2.08 3.23
NET INTEREST INCOME 3.70 3.71 3.89 3.83 3.78 4.04 4.01
PERSONNEL EXPENSE 1.68 1.62 1.64 1.64 1.69 1.71 1.67
OCCUPANCY EXPENSE 0.42 0.40 0.42 0.42 0.43 0.47 0.46
OTHER EXPENSE 1.01 1.02 1.06 1.16 1.45 1.31 1.38
TOTAL NONINTEREST EXP 3.17 3.13 3.16 3.25 3.60 3.51 3.58
NONINTEREST INCOME 1.22 1.28 1.33 1.48 1.87 1.74 1.67
PROVISION FOR LN LOSS 0.29 0.18 0.21 0.27 0.32 0.39 0.38
SECURITY GAINS/LOSSES -0.00 -0.00 0.00 0.02 0.05 0.03 0.04
INCOME TAXES 0.37 0.46 0.50 0.48 0.50 0.57 0.54
NET INCOME 1.09 1.22 1.36 1.33 1.32 1.33 1.23
DIVIDEND PAYOUT RATE 60.45 58.69 47.42 49.22 59.54 52.86 57.30
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.33 0.21 0.30 0.44 0.56 0.53 0.51
NET LOAN LOSSES 0.27 0.15 0.21 0.34 0.47 0.43 0.42
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 3.71 1.18 1.26 0.78 1.14 2.00 1.80
ROAA OF MORE THAN 1.5% 21.00 25.97 28.69 23.06 25.62 28.48 22.75
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - U.S. BANKS BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US - $1-5 BILLION
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 363 344 325 304 281 268 262
TOTAL ASSETS 735.27 687.19 642.95 609.04 554.57 564.53 536.91
AVERAGE ASSETS - YTD 689.64 677.27 607.21 569.34 521.97 524.93 506.10
TOTAL LOANS 522.91 478.31 428.40 396.33 344.82 345.85 337.48
OTHER REAL ESTATE OWNED 1.21 0.54 0.47 0.45 0.56 0.52 0.45
LOAN LOSS RESERVES 6.53 5.96 5.61 5.68 5.56 5.89 6.06
TOTAL DEPOSITS 546.72 517.80 468.18 440.20 406.77 411.14 385.08
NET INCOME 8.71 9.40 8.24 8.28 6.87 7.67 6.16
PERCENT OF ASSETS:
TOTAL LOANS 71.12 69.60 66.63 65.07 62.18 61.26 62.86
US & AGENCY SECURITIES 12.37 13.83 16.04 17.89 19.77 18.36 16.97
ALL OTHER SECURITIES 4.89 4.81 4.91 5.28 6.05 5.83 6.39
EQUITY CAPITAL 10.96 10.51 10.73 10.67 10.47 10.27 9.87
TOTAL CAPITAL 12.01 11.62 11.85 11.84 11.87 11.80 11.40
PERCENT OF TOTAL LOANS:
FARM LOANS 2.54 2.39 2.53 2.40 2.30 2.02 1.87
BUSINESS LOANS 17.35 17.26 17.05 17.91 18.51 19.97 19.67
CONSUMER LOANS 6.16 6.58 7.82 9.54 8.67 11.22 15.41
REAL ESTATE LOANS 70.71 70.53 69.34 67.19 66.74 63.18 59.42
LOAN LOSS RESERVES 1.25 1.25 1.31 1.43 1.61 1.70 1.79
NONCURRENT LOANS * 1.21 0.63 0.55 0.69 0.87 1.03 1.09
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.61 6.16 5.53 4.98 5.04 5.84 7.29
INTEREST EXPENSE 3.02 2.56 1.87 1.28 1.41 1.91 3.19
NET INTEREST INCOME 3.59 3.59 3.65 3.70 3.63 3.92 4.11
PERSONNEL EXPENSE 1.46 1.38 1.51 1.60 1.61 1.58 1.50
OCCUPANCY EXPENSE 0.39 0.36 0.38 0.43 0.45 0.43 0.45
OTHER EXPENSE 1.08 0.96 1.12 1.31 1.23 1.58 1.64
TOTAL NONINTEREST EXP 3.02 2.77 3.08 3.43 3.39 3.65 3.71
NONINTEREST INCOME 1.59 1.39 1.64 2.18 2.01 2.36 2.20
PROVISION FOR LN LOSS 0.32 0.17 0.22 0.29 0.36 0.51 0.77
SECURITY GAINS/LOSSES -0.00 -0.01 -0.01 0.02 0.05 0.05 0.06
INCOME TAXES 0.57 0.64 0.64 0.72 0.65 0.72 0.66
NET INCOME 1.26 1.39 1.36 1.45 1.32 1.46 1.22
DIVIDEND PAYOUT RATE 67.81 56.36 67.11 58.82 48.73 116.25 151.10
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.38 0.26 0.34 0.48 0.61 1.00 1.26
NET LOAN LOSSES 0.31 0.18 0.24 0.35 0.48 0.85 1.11
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 3.58 0.87 1.85 1.97 1.42 2.24 2.67
ROAA OF MORE THAN 1.5% 20.11 27.62 28.62 27.63 25.98 31.34 27.48
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - U.S. BANKS BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: ALL US - GT $5 BILLION
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 128 132 136 128 133 126 128
TOTAL ASSETS 8,954 7,989 7,076 6,530 5,814 5,318 4,885
AVERAGE ASSETS - YTD 8,256 7,897 6,769 5,917 5,491 4,964 4,544
TOTAL LOANS 5,106 4,549 4,058 3,668 3,293 3,059 2,844
OTHER REAL ESTATE OWNED 6 3 2 2 2 2 2
LOAN LOSS RESERVES 69 51 52 56 60 59 55
TOTAL DEPOSITS 5,599 5,086 4,541 4,135 3,635 3,317 3,073
NET INCOME 76 101 88 80 80 68 56
PERCENT OF ASSETS:
TOTAL LOANS 57.02 56.94 57.35 56.18 56.64 57.53 58.22
US & AGENCY SECURITIES 7.65 10.14 10.88 11.96 11.91 11.56 10.23
ALL OTHER SECURITIES 5.74 5.71 5.77 5.25 5.60 5.40 5.38
EQUITY CAPITAL 10.09 10.05 9.93 9.97 8.72 8.85 8.84
TOTAL CAPITAL 12.77 12.53 12.34 12.47 11.43 11.67 11.85
PERCENT OF TOTAL LOANS:
FARM LOANS 0.62 0.66 0.65 0.63 0.66 0.70 0.80
BUSINESS LOANS 21.68 19.81 19.64 19.02 20.23 23.27 27.64
CONSUMER LOANS 16.19 16.09 17.58 19.38 19.75 18.74 17.03
REAL ESTATE LOANS 51.20 53.36 51.05 48.57 46.00 44.14 40.31
LOAN LOSS RESERVES 1.36 1.13 1.27 1.53 1.82 1.94 1.94
NONCURRENT LOANS * 1.33 0.81 0.79 0.91 1.29 1.61 1.54
PERCENT OF AVG ASSETS:
INTEREST INCOME 5.72 5.32 4.84 4.31 4.48 5.19 6.32
INTEREST EXPENSE 2.96 2.67 1.93 1.25 1.28 1.76 2.99
NET INTEREST INCOME 2.76 2.65 2.91 3.06 3.20 3.43 3.33
PERSONNEL EXPENSE 1.34 1.31 1.39 1.40 1.46 1.49 1.49
OCCUPANCY EXPENSE 0.37 0.36 0.41 0.42 0.44 0.45 0.45
OTHER EXPENSE 1.21 1.15 1.31 1.45 1.43 1.49 1.57
TOTAL NONINTEREST EXP 3.00 2.89 3.21 3.36 3.41 3.52 3.66
NONINTEREST INCOME 2.18 2.37 2.57 2.60 2.82 2.83 2.84
PROVISION FOR LN LOSS 0.60 0.27 0.33 0.35 0.52 0.80 0.74
SECURITY GAINS/LOSSES 0.00 -0.01 -0.00 0.06 0.09 0.12 0.08
INCOME TAXES 0.41 0.61 0.64 0.65 0.72 0.69 0.63
NET INCOME 0.92 1.28 1.31 1.35 1.46 1.37 1.23
DIVIDEND PAYOUT RATE 82.82 62.81 56.39 52.28 81.83 74.24 67.51
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.87 0.63 0.90 1.01 1.31 1.58 1.30
NET LOAN LOSSES 0.71 0.46 0.68 0.78 1.08 1.36 1.10
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 6.25 0.76 0.00 1.56 0.75 2.38 1.56
ROAA OF MORE THAN 1.5% 15.63 21.21 36.03 34.38 36.84 42.06 32.81
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: DISTRICT -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 1,174 1,203 1,232 1,246 1,271 1,288 1,325
TOTAL ASSETS 257.08 239.57 226.74 210.56 206.51 220.92 216.82
AVERAGE ASSETS - YTD 242.04 225.20 216.60 202.21 197.29 211.44 203.70
TOTAL LOANS 167.30 153.29 143.54 130.71 125.07 132.50 131.62
OTHER REAL ESTATE OWNED 0.44 0.29 0.27 0.27 0.27 0.30 0.23
LOAN LOSS RESERVES 2.05 1.93 1.83 1.80 1.84 1.96 1.87
TOTAL DEPOSITS 202.25 189.19 178.69 164.88 161.64 171.32 167.94
NET INCOME 2.90 3.00 2.87 2.53 2.35 2.84 2.59
PERCENT OF ASSETS:
TOTAL LOANS 65.08 63.98 63.31 62.08 60.57 59.98 60.70
US & AGENCY SECURITIES 16.15 16.98 18.42 20.05 20.79 19.33 19.23
ALL OTHER SECURITIES 5.60 5.53 5.56 6.22 5.99 5.42 6.25
EQUITY CAPITAL 9.57 9.48 9.35 9.39 9.32 9.46 9.13
TOTAL CAPITAL 10.69 10.56 10.45 10.46 10.44 10.80 10.41
PERCENT OF TOTAL LOANS:
FARM LOANS 12.35 12.50 12.64 13.19 13.02 12.24 11.92
BUSINESS LOANS 19.61 19.49 19.34 19.03 19.04 18.13 18.76
CONSUMER LOANS 8.25 8.67 9.28 10.51 11.34 12.51 14.34
REAL ESTATE LOANS 57.67 57.10 56.60 55.17 54.30 54.58 52.40
LOAN LOSS RESERVES 1.22 1.26 1.28 1.38 1.47 1.48 1.42
NONCURRENT LOANS * 1.04 0.73 0.68 0.80 0.98 0.96 0.92
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.60 6.36 5.54 5.02 5.16 5.82 7.08
INTEREST EXPENSE 2.91 2.56 1.81 1.33 1.48 1.86 3.01
NET INTEREST INCOME 3.69 3.80 3.73 3.69 3.69 3.96 4.07
PERSONNEL EXPENSE 1.76 1.79 1.76 1.79 1.79 1.66 1.64
OCCUPANCY EXPENSE 0.43 0.44 0.44 0.45 0.45 0.43 0.44
OTHER EXPENSE 1.32 1.21 1.19 1.25 1.29 1.27 1.48
TOTAL NONINTEREST EXP 3.51 3.44 3.39 3.49 3.54 3.37 3.56
NONINTEREST INCOME 1.62 1.59 1.59 1.68 1.71 1.53 1.56
PROVISION FOR LN LOSS 0.24 0.19 0.18 0.24 0.30 0.35 0.40
SECURITY GAINS/LOSSES -0.00 -0.00 -0.00 0.01 0.04 0.07 0.11
INCOME TAXES 0.36 0.42 0.43 0.40 0.41 0.51 0.51
NET INCOME 1.20 1.33 1.32 1.25 1.19 1.34 1.27
DIVIDEND PAYOUT RATE 70.14 60.22 66.28 64.05 67.75 69.88 65.19
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.37 0.30 0.33 0.40 0.54 0.59 0.63
NET LOAN LOSSES 0.28 0.20 0.21 0.29 0.41 0.45 0.51
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 5.45 4.74 3.17 4.49 4.41 4.35 5.51
ROAA OF MORE THAN 1.5% 25.72 27.10 27.03 24.48 24.55 28.26 25.81
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: DISTRICT - LT $25MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 174 202 218 229 254 277 301
TOTAL ASSETS 2.71 3.19 3.42 3.56 3.97 4.36 4.62
AVERAGE ASSETS - YTD 2.71 3.10 3.37 3.51 3.89 4.28 4.46
TOTAL LOANS 1.55 1.87 2.00 2.03 2.27 2.51 2.65
OTHER REAL ESTATE OWNED 0.00 0.00 0.01 0.01 0.01 0.01 0.01
LOAN LOSS RESERVES 0.03 0.03 0.04 0.04 0.04 0.05 0.05
TOTAL DEPOSITS 2.19 2.59 2.82 2.96 3.33 3.68 3.89
NET INCOME 0.02 0.02 0.03 0.03 0.03 0.04 0.03
PERCENT OF ASSETS:
TOTAL LOANS 57.30 58.84 58.52 57.18 57.16 57.52 57.22
US & AGENCY SECURITIES 21.10 21.44 22.38 22.08 21.62 21.07 21.11
ALL OTHER SECURITIES 3.64 3.60 4.03 4.50 4.51 4.45 4.53
EQUITY CAPITAL 15.77 15.33 13.64 13.31 12.87 12.63 12.74
TOTAL CAPITAL 16.81 16.41 14.73 14.36 13.95 13.71 13.86
PERCENT OF TOTAL LOANS:
FARM LOANS 43.25 43.65 43.74 43.86 42.90 43.76 43.44
BUSINESS LOANS 13.27 12.94 12.13 11.73 12.05 12.25 12.93
CONSUMER LOANS 10.39 10.11 10.77 10.53 11.79 12.33 13.05
REAL ESTATE LOANS 32.15 32.26 32.13 32.53 32.08 30.44 29.43
LOAN LOSS RESERVES 1.82 1.84 1.81 1.79 1.83 1.84 1.92
NONCURRENT LOANS * 1.24 1.22 1.16 1.09 1.49 1.41 1.47
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.29 6.06 5.49 5.07 5.34 6.14 7.22
INTEREST EXPENSE 2.38 2.06 1.51 1.22 1.52 2.15 3.25
NET INTEREST INCOME 3.90 4.00 3.98 3.84 3.83 3.99 3.97
PERSONNEL EXPENSE 2.72 2.68 2.47 2.39 2.37 2.29 2.21
OCCUPANCY EXPENSE 0.50 0.47 0.45 0.46 0.43 0.44 0.43
OTHER EXPENSE 1.75 1.56 1.39 1.40 1.33 1.23 1.20
TOTAL NONINTEREST EXP 4.97 4.71 4.31 4.25 4.13 3.95 3.83
NONINTEREST INCOME 2.17 1.86 1.63 1.51 1.35 1.19 1.11
PROVISION FOR LN LOSS 0.17 0.17 0.11 0.12 0.17 0.22 0.37
SECURITY GAINS/LOSSES 0.00 -0.01 -0.01 -0.01 0.02 0.03 0.02
INCOME TAXES 0.19 0.18 0.22 0.19 0.17 0.20 0.20
NET INCOME 0.75 0.79 0.96 0.79 0.73 0.83 0.71
DIVIDEND PAYOUT RATE 91.64 67.48 60.76 86.91 75.03 71.77 78.89
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.36 0.34 0.27 0.03 0.43 0.54 0.68
NET LOAN LOSSES 0.21 0.17 0.12 0.02 0.28 0.38 0.51
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 13.22 11.88 6.88 9.61 11.42 8.66 12.62
ROAA OF MORE THAN 1.5% 20.11 18.32 15.60 13.10 11.81 15.16 14.95
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: DISTRICT - $25-100MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 528 547 579 600 622 633 662
TOTAL ASSETS 29.88 31.07 32.31 33.03 34.50 34.51 35.89
AVERAGE ASSETS - YTD 28.92 29.89 31.31 32.09 33.31 33.24 34.20
TOTAL LOANS 18.88 19.56 20.26 20.45 20.94 21.02 21.78
OTHER REAL ESTATE OWNED 0.05 0.04 0.05 0.05 0.06 0.06 0.05
LOAN LOSS RESERVES 0.26 0.28 0.29 0.29 0.30 0.31 0.31
TOTAL DEPOSITS 24.92 26.02 26.87 27.57 28.96 29.04 30.30
NET INCOME 0.33 0.34 0.37 0.36 0.38 0.40 0.40
PERCENT OF ASSETS:
TOTAL LOANS 63.18 62.96 62.71 61.92 60.69 60.91 60.69
US & AGENCY SECURITIES 18.16 19.20 19.98 20.43 20.73 20.13 20.02
ALL OTHER SECURITIES 5.37 5.16 5.28 5.61 5.78 5.76 5.74
EQUITY CAPITAL 11.31 10.70 10.51 10.56 10.53 10.64 10.41
TOTAL CAPITAL 12.19 11.60 11.42 11.46 11.42 11.53 11.28
PERCENT OF TOTAL LOANS:
FARM LOANS 28.78 29.83 29.38 29.46 28.08 28.22 28.44
BUSINESS LOANS 16.44 16.26 16.08 16.03 16.49 15.98 16.40
CONSUMER LOANS 8.25 8.44 8.76 9.26 10.12 11.18 11.85
REAL ESTATE LOANS 45.38 44.27 44.58 43.91 43.75 42.98 41.59
LOAN LOSS RESERVES 1.38 1.42 1.43 1.44 1.45 1.46 1.44
NONCURRENT LOANS * 1.16 0.95 0.97 1.06 1.11 1.14 1.14
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.68 6.35 5.65 5.25 5.47 6.23 7.30
INTEREST EXPENSE 2.74 2.38 1.70 1.37 1.60 2.16 3.30
NET INTEREST INCOME 3.93 3.97 3.95 3.88 3.87 4.06 4.00
PERSONNEL EXPENSE 1.93 1.79 1.80 1.74 1.73 1.75 1.73
OCCUPANCY EXPENSE 0.43 0.42 0.42 0.41 0.41 0.41 0.42
OTHER EXPENSE 1.05 0.98 1.03 0.95 0.95 0.96 0.97
TOTAL NONINTEREST EXP 3.41 3.19 3.24 3.10 3.09 3.12 3.11
NONINTEREST INCOME 0.94 0.75 0.86 0.74 0.80 0.77 0.77
PROVISION FOR LN LOSS 0.16 0.16 0.16 0.20 0.23 0.26 0.27
SECURITY GAINS/LOSSES -0.00 -0.01 -0.01 0.01 0.04 0.03 0.03
INCOME TAXES 0.17 0.20 0.22 0.22 0.24 0.27 0.26
NET INCOME 1.14 1.15 1.18 1.11 1.15 1.22 1.16
DIVIDEND PAYOUT RATE 65.99 66.75 69.51 67.82 66.16 63.11 65.88
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.33 0.27 0.30 0.42 0.44 0.46 0.44
NET LOAN LOSSES 0.22 0.18 0.20 0.30 0.32 0.34 0.33
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 6.06 4.39 3.63 4.67 3.22 4.42 3.78
ROAA OF MORE THAN 1.5% 23.67 24.13 24.70 23.00 23.63 28.12 24.62
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: DISTRICT - $100-300MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 305 305 300 294 275 266 257
TOTAL ASSETS 50.69 51.39 50.93 49.41 45.59 44.17 42.70
AVERAGE ASSETS - YTD 47.91 49.00 48.63 47.50 43.81 42.16 40.43
TOTAL LOANS 33.66 33.23 32.32 31.13 27.99 27.15 26.74
OTHER REAL ESTATE OWNED 0.10 0.09 0.10 0.10 0.09 0.08 0.07
LOAN LOSS RESERVES 0.41 0.41 0.40 0.40 0.39 0.36 0.35
TOTAL DEPOSITS 41.54 42.59 42.04 40.70 37.57 36.59 35.61
NET INCOME 0.61 0.65 0.71 0.66 0.61 0.63 0.55
PERCENT OF ASSETS:
TOTAL LOANS 66.41 64.66 63.46 63.00 61.40 61.48 62.61
US & AGENCY SECURITIES 16.70 18.09 18.93 20.37 20.95 19.74 18.48
ALL OTHER SECURITIES 5.43 5.93 6.29 6.19 6.49 6.94 6.99
EQUITY CAPITAL 9.97 9.85 9.84 9.89 10.15 9.95 9.41
TOTAL CAPITAL 10.79 10.66 10.65 10.73 11.03 10.81 10.24
PERCENT OF TOTAL LOANS:
FARM LOANS 19.55 17.09 16.67 16.25 16.73 16.12 14.55
BUSINESS LOANS 17.07 16.84 16.82 16.50 16.45 16.42 17.11
CONSUMER LOANS 6.25 6.33 6.96 7.94 9.35 10.09 11.33
REAL ESTATE LOANS 55.66 58.20 58.19 58.08 56.31 55.90 55.26
LOAN LOSS RESERVES 1.21 1.23 1.24 1.27 1.38 1.34 1.29
NONCURRENT LOANS * 1.09 0.88 0.78 0.89 1.10 1.14 0.96
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.74 6.45 5.73 5.26 5.46 6.22 7.35
INTEREST EXPENSE 2.93 2.52 1.77 1.34 1.53 2.07 3.20
NET INTEREST INCOME 3.81 3.93 3.95 3.92 3.93 4.15 4.14
PERSONNEL EXPENSE 1.73 1.75 1.71 1.71 1.77 1.74 1.75
OCCUPANCY EXPENSE 0.41 0.42 0.41 0.41 0.41 0.41 0.43
OTHER EXPENSE 0.95 0.99 1.18 1.14 1.14 1.14 1.14
TOTAL NONINTEREST EXP 3.09 3.16 3.30 3.27 3.33 3.29 3.32
NONINTEREST INCOME 0.97 1.02 1.33 1.22 1.35 1.27 1.19
PROVISION FOR LN LOSS 0.22 0.20 0.19 0.19 0.26 0.29 0.33
SECURITY GAINS/LOSSES 0.00 -0.00 -0.00 0.02 0.04 0.05 0.04
INCOME TAXES 0.20 0.26 0.33 0.32 0.32 0.39 0.37
NET INCOME 1.26 1.33 1.47 1.38 1.40 1.50 1.35
DIVIDEND PAYOUT RATE 63.54 66.95 67.28 62.19 64.01 60.83 62.71
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.33 0.31 0.30 0.36 0.45 0.48 0.52
NET LOAN LOSSES 0.26 0.23 0.21 0.27 0.33 0.36 0.42
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 2.62 2.30 1.00 2.04 1.45 1.50 3.11
ROAA OF MORE THAN 1.5% 28.20 32.79 34.67 34.69 37.82 40.98 40.08
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: DISTRICT - $300-1,000MM
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 128 113 101 92 91 85 81
TOTAL ASSETS 62.58 54.96 48.53 43.36 42.84 42.70 40.77
AVERAGE ASSETS - YTD 58.77 52.00 45.99 41.16 40.78 39.53 38.33
TOTAL LOANS 40.67 35.74 31.36 27.31 26.48 27.30 26.45
OTHER REAL ESTATE OWNED 0.14 0.08 0.08 0.07 0.07 0.10 0.05
LOAN LOSS RESERVES 0.48 0.44 0.38 0.38 0.39 0.38 0.36
TOTAL DEPOSITS 50.19 44.76 39.39 34.86 34.51 34.53 33.22
NET INCOME 0.69 0.78 0.71 0.56 0.55 0.55 0.50
PERCENT OF ASSETS:
TOTAL LOANS 64.99 65.03 64.62 62.98 61.82 63.94 64.89
US & AGENCY SECURITIES 17.02 17.04 17.19 19.77 21.79 19.45 18.14
ALL OTHER SECURITIES 6.49 5.98 5.79 5.73 5.52 5.48 5.52
EQUITY CAPITAL 9.55 9.34 9.19 9.48 9.17 9.30 9.09
TOTAL CAPITAL 10.45 10.25 10.08 10.43 10.16 10.22 9.98
PERCENT OF TOTAL LOANS:
FARM LOANS 8.89 8.64 8.84 8.96 8.40 7.75 7.81
BUSINESS LOANS 15.89 16.13 16.36 16.69 16.80 18.04 18.50
CONSUMER LOANS 6.23 7.26 7.78 8.53 11.53 11.04 12.32
REAL ESTATE LOANS 66.84 65.61 64.48 63.20 60.27 60.38 58.83
LOAN LOSS RESERVES 1.19 1.22 1.23 1.39 1.48 1.40 1.34
NONCURRENT LOANS * 1.20 0.69 0.60 0.73 0.96 0.94 0.93
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.69 6.52 5.71 5.15 5.36 6.14 7.35
INTEREST EXPENSE 2.87 2.61 1.81 1.31 1.49 2.01 3.20
NET INTEREST INCOME 3.82 3.91 3.90 3.84 3.87 4.12 4.15
PERSONNEL EXPENSE 1.62 1.66 1.68 1.77 1.73 1.74 1.70
OCCUPANCY EXPENSE 0.42 0.43 0.44 0.46 0.47 0.47 0.48
OTHER EXPENSE 1.62 1.33 1.00 1.04 1.05 1.05 1.16
TOTAL NONINTEREST EXP 3.66 3.42 3.13 3.27 3.25 3.25 3.35
NONINTEREST INCOME 1.67 1.62 1.41 1.49 1.46 1.37 1.38
PROVISION FOR LN LOSS 0.25 0.19 0.21 0.29 0.38 0.41 0.40
SECURITY GAINS/LOSSES -0.00 -0.00 -0.00 0.01 0.04 0.03 0.03
INCOME TAXES 0.40 0.43 0.43 0.43 0.39 0.48 0.52
NET INCOME 1.18 1.49 1.54 1.35 1.35 1.39 1.30
DIVIDEND PAYOUT RATE 77.36 66.38 52.61 60.79 75.55 63.26 69.44
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.40 0.27 0.35 0.50 0.56 0.58 0.58
NET LOAN LOSSES 0.32 0.20 0.28 0.41 0.46 0.48 0.50
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 0.78 0.88 0.00 0.00 2.20 0.00 1.23
ROAA OF MORE THAN 1.5% 32.81 38.94 43.56 29.35 31.87 36.47 32.10
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT BY ASSET SIZE
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: DISTRICT - GT $1 BILLION
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 39 36 34 31 29 27 24
TOTAL ASSETS 111.22 98.96 91.55 81.20 79.62 95.18 92.83
AVERAGE ASSETS - YTD 103.73 91.20 87.31 77.95 75.50 92.23 86.28
TOTAL LOANS 72.54 62.88 57.60 49.78 47.39 54.52 54.00
OTHER REAL ESTATE OWNED 0.14 0.07 0.04 0.04 0.05 0.06 0.05
LOAN LOSS RESERVES 0.87 0.78 0.72 0.69 0.72 0.86 0.80
TOTAL DEPOSITS 83.41 73.24 67.57 58.79 57.26 67.48 64.91
NET INCOME 1.25 1.21 1.05 0.93 0.77 1.22 1.12
PERCENT OF ASSETS:
TOTAL LOANS 65.22 63.54 62.92 61.31 59.53 57.28 58.16
US & AGENCY SECURITIES 14.75 15.54 18.10 19.76 20.14 18.71 19.65
ALL OTHER SECURITIES 5.29 5.25 5.20 6.83 6.14 4.61 6.51
EQUITY CAPITAL 8.78 8.79 8.60 8.39 8.22 8.72 8.35
TOTAL CAPITAL 10.22 10.17 10.04 9.72 9.65 10.65 10.17
PERCENT OF TOTAL LOANS:
FARM LOANS 6.01 5.95 5.48 5.65 5.32 4.95 4.41
BUSINESS LOANS 23.83 24.00 23.78 23.44 23.30 20.13 20.93
CONSUMER LOANS 10.26 10.74 11.52 13.70 12.92 14.98 17.88
REAL ESTATE LOANS 57.21 56.42 56.49 54.50 55.49 56.60 53.33
LOAN LOSS RESERVES 1.20 1.24 1.25 1.39 1.51 1.58 1.49
NONCURRENT LOANS * 0.88 0.58 0.54 0.65 0.83 0.79 0.77
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.48 6.23 5.30 4.71 4.75 5.34 6.74
INTEREST EXPENSE 2.99 2.64 1.87 1.32 1.38 1.57 2.70
NET INTEREST INCOME 3.49 3.60 3.43 3.39 3.37 3.77 4.03
PERSONNEL EXPENSE 1.78 1.85 1.79 1.85 1.84 1.54 1.50
OCCUPANCY EXPENSE 0.45 0.47 0.47 0.48 0.48 0.43 0.44
OTHER EXPENSE 1.38 1.33 1.34 1.55 1.65 1.55 1.99
TOTAL NONINTEREST EXP 3.61 3.64 3.59 3.87 3.97 3.51 3.94
NONINTEREST INCOME 2.06 2.15 2.10 2.47 2.47 2.01 2.15
PROVISION FOR LN LOSS 0.26 0.20 0.16 0.27 0.31 0.39 0.48
SECURITY GAINS/LOSSES 0.00 -0.00 -0.01 0.00 0.04 0.12 0.23
INCOME TAXES 0.46 0.58 0.57 0.52 0.57 0.68 0.70
NET INCOME 1.21 1.33 1.20 1.19 1.02 1.32 1.30
DIVIDEND PAYOUT RATE 70.09 50.65 73.87 65.18 65.71 79.74 63.89
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.39 0.31 0.34 0.55 0.64 0.69 0.79
NET LOAN LOSSES 0.29 0.20 0.18 0.40 0.48 0.53 0.63
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 0.00 2.78 0.00 0.00 3.45 0.00 4.17
ROAA OF MORE THAN 1.5% 35.90 36.11 23.53 25.81 6.90 14.81 20.83
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: COLORADO -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 149 154 162 167 170 170 178
TOTAL ASSETS 47.77 43.95 40.83 36.54 32.70 47.77 49.99
AVERAGE ASSETS - YTD 44.72 41.35 38.31 34.74 30.99 46.30 45.82
TOTAL LOANS 29.79 26.02 23.62 20.84 18.19 28.19 30.44
OTHER REAL ESTATE OWNED 0.11 0.07 0.05 0.05 0.06 0.06 0.03
LOAN LOSS RESERVES 0.34 0.31 0.28 0.27 0.25 0.37 0.39
TOTAL DEPOSITS 39.63 36.98 34.09 30.44 27.48 37.40 36.87
NET INCOME 0.39 0.55 0.51 0.44 0.39 0.75 0.77
PERCENT OF ASSETS:
TOTAL LOANS 62.37 59.21 57.85 57.03 55.64 59.02 60.88
US & AGENCY SECURITIES 18.94 20.13 21.55 23.15 24.46 19.20 16.99
ALL OTHER SECURITIES 7.15 6.51 6.37 7.50 7.27 6.25 8.98
EQUITY CAPITAL 9.69 9.93 9.96 9.46 9.30 8.38 8.01
TOTAL CAPITAL 10.46 10.69 10.70 10.27 10.14 10.21 9.67
PERCENT OF TOTAL LOANS:
FARM LOANS 7.98 7.47 7.14 7.27 7.23 4.87 4.69
BUSINESS LOANS 13.07 12.84 12.87 13.34 13.09 9.83 10.91
CONSUMER LOANS 3.95 4.82 5.56 6.62 7.83 9.72 11.39
REAL ESTATE LOANS 73.86 73.64 73.01 71.29 69.34 73.33 70.62
LOAN LOSS RESERVES 1.15 1.19 1.17 1.30 1.36 1.32 1.27
NONCURRENT LOANS * 1.05 0.85 0.68 0.76 0.95 0.84 0.69
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.67 6.47 5.73 5.11 5.31 5.86 7.18
INTEREST EXPENSE 2.78 2.41 1.58 1.06 1.23 1.41 2.49
NET INTEREST INCOME 3.90 4.06 4.15 4.06 4.08 4.45 4.69
PERSONNEL EXPENSE 1.62 1.68 1.73 1.76 1.79 1.48 1.57
OCCUPANCY EXPENSE 0.44 0.44 0.47 0.48 0.50 0.41 0.42
OTHER EXPENSE 1.44 1.10 1.11 1.08 1.12 1.24 1.71
TOTAL NONINTEREST EXP 3.50 3.22 3.31 3.32 3.41 3.14 3.69
NONINTEREST INCOME 1.12 1.13 1.14 1.19 1.29 1.28 1.60
PROVISION FOR LN LOSS 0.27 0.20 0.17 0.22 0.28 0.30 0.39
SECURITY GAINS/LOSSES -0.00 0.01 0.01 0.01 0.04 0.04 0.23
INCOME TAXES 0.38 0.45 0.48 0.45 0.44 0.71 0.78
NET INCOME 0.86 1.32 1.34 1.28 1.27 1.62 1.67
DIVIDEND PAYOUT RATE 58.03 66.79 56.91 57.75 67.11 77.91 62.47
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.35 0.24 0.29 0.39 0.43 0.40 0.42
NET LOAN LOSSES 0.29 0.18 0.23 0.32 0.36 0.32 0.34
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 8.05 5.84 4.94 8.98 10.00 5.88 7.87
ROAA OF MORE THAN 1.5% 25.50 32.47 36.42 30.54 31.18 37.06 38.20
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: KANSAS -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 340 346 354 355 362 363 374
TOTAL ASSETS 50.58 47.04 48.24 45.34 40.98 39.22 36.51
AVERAGE ASSETS - YTD 48.01 44.60 46.33 43.09 39.64 36.79 34.35
TOTAL LOANS 33.61 30.83 31.40 29.16 25.62 24.68 23.08
OTHER REAL ESTATE OWNED 0.09 0.05 0.06 0.07 0.07 0.06 0.05
LOAN LOSS RESERVES 0.43 0.41 0.43 0.42 0.40 0.38 0.34
TOTAL DEPOSITS 39.84 37.50 38.10 35.97 32.84 31.20 29.41
NET INCOME 0.64 0.62 0.64 0.50 0.48 0.45 0.42
PERCENT OF ASSETS:
TOTAL LOANS 66.45 65.54 65.09 64.31 62.52 62.94 63.23
US & AGENCY SECURITIES 17.49 18.37 19.42 21.43 22.77 21.63 20.81
ALL OTHER SECURITIES 5.27 4.93 4.94 4.53 4.60 4.59 4.37
EQUITY CAPITAL 10.08 9.88 9.69 9.76 9.89 10.06 10.06
TOTAL CAPITAL 11.05 10.87 10.66 10.80 10.97 11.10 11.00
PERCENT OF TOTAL LOANS:
FARM LOANS 15.24 15.83 15.10 15.92 16.72 16.96 17.90
BUSINESS LOANS 19.64 19.82 19.93 19.89 20.59 20.18 19.98
CONSUMER LOANS 6.70 7.23 7.59 8.84 10.71 11.43 13.14
REAL ESTATE LOANS 55.50 54.08 54.89 52.77 49.49 48.72 46.41
LOAN LOSS RESERVES 1.28 1.34 1.36 1.46 1.57 1.52 1.47
NONCURRENT LOANS * 1.40 0.72 0.69 0.76 1.02 0.99 1.01
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.66 6.41 5.54 5.11 5.27 6.07 7.32
INTEREST EXPENSE 2.92 2.60 1.92 1.48 1.61 2.19 3.37
NET INTEREST INCOME 3.74 3.81 3.62 3.63 3.67 3.88 3.95
PERSONNEL EXPENSE 1.73 1.71 1.64 1.73 1.76 1.71 1.67
OCCUPANCY EXPENSE 0.41 0.40 0.39 0.41 0.42 0.44 0.44
OTHER EXPENSE 1.04 1.00 1.02 1.07 1.02 1.06 1.09
TOTAL NONINTEREST EXP 3.18 3.11 3.06 3.21 3.20 3.21 3.20
NONINTEREST INCOME 1.33 1.25 1.43 1.36 1.40 1.28 1.21
PROVISION FOR LN LOSS 0.19 0.14 0.17 0.25 0.32 0.38 0.36
SECURITY GAINS/LOSSES -0.00 -0.01 -0.01 -0.01 0.05 0.06 0.03
INCOME TAXES 0.37 0.42 0.43 0.35 0.39 0.41 0.43
NET INCOME 1.34 1.38 1.38 1.17 1.20 1.23 1.22
DIVIDEND PAYOUT RATE 66.51 68.74 57.58 58.99 71.92 74.95 62.60
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.33 0.25 0.30 0.47 0.54 0.60 0.60
NET LOAN LOSSES 0.24 0.16 0.22 0.37 0.42 0.48 0.49
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 4.41 4.05 2.82 4.51 4.42 3.86 6.68
ROAA OF MORE THAN 1.5% 22.35 23.70 22.03 16.90 18.78 21.21 22.73
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: MISSOURI -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 333 339 344 344 348 352 353
TOTAL ASSETS 106.06 99.42 92.07 86.20 81.85 75.05 71.58
AVERAGE ASSETS - YTD 99.37 93.10 87.67 80.93 78.55 70.97 65.72
TOTAL LOANS 75.30 69.93 64.43 57.91 53.41 47.69 44.99
OTHER REAL ESTATE OWNED 0.30 0.14 0.09 0.09 0.10 0.13 0.10
LOAN LOSS RESERVES 1.02 0.93 0.86 0.85 0.78 0.68 0.65
TOTAL DEPOSITS 83.75 78.51 72.70 67.22 63.93 59.25 57.42
NET INCOME 1.08 1.15 1.09 1.00 0.93 0.82 0.76
PERCENT OF ASSETS:
TOTAL LOANS 71.00 70.34 69.98 67.18 65.25 63.54 62.85
US & AGENCY SECURITIES 13.00 13.82 14.95 17.68 17.98 18.63 18.74
ALL OTHER SECURITIES 4.15 4.27 4.47 5.31 5.69 5.89 5.78
EQUITY CAPITAL 10.02 9.82 9.52 9.58 9.63 9.41 8.69
TOTAL CAPITAL 11.02 10.79 10.49 10.61 10.64 10.35 9.60
PERCENT OF TOTAL LOANS:
FARM LOANS 5.93 5.86 5.92 6.23 6.18 6.64 6.55
BUSINESS LOANS 19.13 18.06 17.71 17.65 17.74 18.38 19.23
CONSUMER LOANS 7.10 7.57 8.19 9.03 9.44 10.08 10.97
REAL ESTATE LOANS 65.62 66.57 66.20 65.21 64.49 62.37 60.80
LOAN LOSS RESERVES 1.36 1.33 1.34 1.46 1.46 1.43 1.44
NONCURRENT LOANS * 1.14 0.59 0.62 0.67 0.76 0.81 0.87
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.57 6.34 5.43 4.86 4.96 5.52 6.87
INTEREST EXPENSE 3.03 2.67 1.84 1.28 1.42 1.95 3.23
NET INTEREST INCOME 3.53 3.67 3.60 3.59 3.54 3.58 3.64
PERSONNEL EXPENSE 1.59 1.60 1.59 1.59 1.60 1.60 1.57
OCCUPANCY EXPENSE 0.41 0.41 0.40 0.41 0.41 0.41 0.43
OTHER EXPENSE 1.08 1.09 1.08 1.09 1.07 1.05 1.08
TOTAL NONINTEREST EXP 3.08 3.10 3.06 3.09 3.08 3.05 3.08
NONINTEREST INCOME 1.36 1.35 1.36 1.41 1.43 1.34 1.34
PROVISION FOR LN LOSS 0.33 0.18 0.15 0.21 0.27 0.27 0.27
SECURITY GAINS/LOSSES 0.00 -0.01 -0.00 0.02 0.03 0.04 0.05
INCOME TAXES 0.40 0.50 0.49 0.48 0.47 0.47 0.51
NET INCOME 1.08 1.24 1.25 1.23 1.18 1.16 1.16
DIVIDEND PAYOUT RATE 62.58 55.59 65.55 67.97 67.08 62.56 69.87
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.44 0.25 0.30 0.26 0.46 0.45 0.45
NET LOAN LOSSES 0.35 0.16 0.19 0.17 0.31 0.35 0.34
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 8.71 5.60 4.94 3.20 2.01 2.56 4.53
ROAA OF MORE THAN 1.5% 19.82 19.47 18.90 20.64 19.54 21.02 18.13
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: NEBRASKA -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 237 244 248 252 259 268 276
TOTAL ASSETS 37.15 34.98 32.44 30.53 30.16 31.93 30.90
AVERAGE ASSETS - YTD 34.70 33.05 31.22 30.04 28.71 30.64 29.82
TOTAL LOANS 25.27 23.96 22.21 20.69 19.91 21.14 20.51
OTHER REAL ESTATE OWNED 0.05 0.04 0.03 0.03 0.03 0.03 0.03
LOAN LOSS RESERVES 0.34 0.34 0.32 0.33 0.33 0.36 0.32
TOTAL DEPOSITS 29.38 27.43 25.54 24.19 23.89 25.20 24.67
NET INCOME 0.38 0.40 0.37 0.36 0.37 0.40 0.32
PERCENT OF ASSETS:
TOTAL LOANS 68.03 68.49 68.46 67.78 66.02 66.22 66.39
US & AGENCY SECURITIES 10.75 11.68 13.36 14.41 15.99 12.45 14.76
ALL OTHER SECURITIES 4.81 4.29 4.04 4.53 5.08 3.74 3.51
EQUITY CAPITAL 9.69 9.68 9.55 9.50 9.40 10.04 9.72
TOTAL CAPITAL 11.22 11.19 11.11 10.99 10.75 11.54 11.13
PERCENT OF TOTAL LOANS:
FARM LOANS 28.70 27.97 28.58 28.51 28.48 27.47 27.02
BUSINESS LOANS 18.53 18.73 18.70 18.08 18.14 17.07 19.20
CONSUMER LOANS 12.26 11.04 10.84 13.31 15.61 17.75 18.23
REAL ESTATE LOANS 38.49 40.00 39.56 37.77 35.41 35.13 32.82
LOAN LOSS RESERVES 1.35 1.43 1.43 1.59 1.66 1.71 1.54
NONCURRENT LOANS * 0.85 0.81 0.76 0.83 1.19 1.03 1.00
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.69 6.41 5.70 5.25 5.62 6.31 7.45
INTEREST EXPENSE 3.11 2.73 1.98 1.60 1.84 2.26 3.50
NET INTEREST INCOME 3.58 3.68 3.73 3.65 3.78 4.05 3.95
PERSONNEL EXPENSE 2.06 2.15 2.14 2.10 2.17 2.00 1.85
OCCUPANCY EXPENSE 0.49 0.51 0.53 0.51 0.51 0.48 0.48
OTHER EXPENSE 2.36 2.02 1.89 2.25 2.05 1.90 1.81
TOTAL NONINTEREST EXP 4.91 4.69 4.56 4.87 4.74 4.38 4.15
NONINTEREST INCOME 2.91 2.85 2.60 3.20 3.17 2.64 2.26
PROVISION FOR LN LOSS 0.23 0.28 0.18 0.40 0.46 0.57 0.66
SECURITY GAINS/LOSSES 0.00 -0.01 -0.00 0.00 0.02 0.04 0.06
INCOME TAXES 0.25 0.34 0.39 0.40 0.47 0.49 0.40
NET INCOME 1.11 1.22 1.19 1.18 1.31 1.29 1.06
DIVIDEND PAYOUT RATE 59.41 52.21 66.29 69.90 57.26 54.44 70.66
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.37 0.44 0.44 0.76 0.88 0.90 1.03
NET LOAN LOSSES 0.24 0.30 0.15 0.52 0.68 0.69 0.84
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 3.38 4.51 1.61 1.98 2.32 2.99 5.43
ROAA OF MORE THAN 1.5% 18.14 18.85 20.16 19.44 19.31 22.39 18.84
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: NEW MEXICO -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 48 47 48 49 51 51 53
TOTAL ASSETS 16.55 14.73 13.59 12.87 17.90 16.47 15.11
AVERAGE ASSETS - YTD 15.95 14.09 13.12 12.54 16.77 15.32 14.34
TOTAL LOANS 10.76 9.39 8.18 7.58 10.41 9.39 8.26
OTHER REAL ESTATE OWNED 0.04 0.02 0.02 0.02 0.03 0.03 0.02
LOAN LOSS RESERVES 0.14 0.12 0.10 0.10 0.16 0.16 0.14
TOTAL DEPOSITS 13.11 11.94 10.67 9.94 13.48 12.73 11.58
NET INCOME 0.22 0.19 0.17 0.14 0.08 0.19 0.14
PERCENT OF ASSETS:
TOTAL LOANS 65.02 63.75 60.20 58.89 58.16 57.02 54.65
US & AGENCY SECURITIES 15.19 13.64 15.40 15.82 13.23 16.88 21.94
ALL OTHER SECURITIES 5.86 5.21 5.41 5.93 4.26 3.77 4.94
EQUITY CAPITAL 10.24 9.77 9.56 9.85 9.55 10.50 10.55
TOTAL CAPITAL 11.43 10.96 10.80 11.15 11.22 12.28 12.37
PERCENT OF TOTAL LOANS:
FARM LOANS 3.11 3.94 4.27 4.56 4.41 4.76 5.24
BUSINESS LOANS 16.84 17.26 17.79 18.85 14.35 15.58 18.16
CONSUMER LOANS 3.60 4.20 4.46 5.08 5.63 9.02 10.73
REAL ESTATE LOANS 75.49 73.49 72.65 70.59 74.27 69.09 63.78
LOAN LOSS RESERVES 1.31 1.28 1.26 1.33 1.51 1.67 1.70
NONCURRENT LOANS * 0.74 0.55 0.55 0.76 0.82 1.09 1.36
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.68 6.43 5.64 5.04 4.92 5.64 6.84
INTEREST EXPENSE 2.50 2.16 1.57 1.18 1.17 1.61 2.67
NET INTEREST INCOME 4.18 4.27 4.07 3.86 3.75 4.03 4.16
PERSONNEL EXPENSE 1.62 1.65 1.59 1.59 1.47 1.52 1.48
OCCUPANCY EXPENSE 0.48 0.48 0.48 0.49 0.45 0.47 0.49
OTHER EXPENSE 1.09 1.12 1.09 1.13 2.11 1.63 1.90
TOTAL NONINTEREST EXP 3.18 3.25 3.16 3.21 4.03 3.62 3.87
NONINTEREST INCOME 0.93 0.93 0.96 0.97 1.30 1.46 1.15
PROVISION FOR LN LOSS 0.19 0.20 0.12 0.15 0.21 0.31 0.36
SECURITY GAINS/LOSSES 0.00 0.00 -0.01 0.01 0.02 0.12 0.30
INCOME TAXES 0.38 0.38 0.43 0.35 0.35 0.46 0.40
NET INCOME 1.37 1.38 1.31 1.13 0.48 1.22 0.99
DIVIDEND PAYOUT RATE 60.42 59.51 70.39 93.02 103.34 87.63 44.76
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.22 0.22 0.26 0.38 0.49 0.69 0.76
NET LOAN LOSSES 0.14 0.14 0.16 0.29 0.33 0.45 0.53
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 4.17 0.00 6.25 6.12 7.84 15.69 11.32
ROAA OF MORE THAN 1.5% 39.58 44.68 39.58 34.69 35.29 33.33 33.96
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: OKLAHOMA -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 256 260 268 270 274 275 284
TOTAL ASSETS 59.43 55.72 51.55 46.52 47.34 47.32 46.06
AVERAGE ASSETS - YTD 56.47 52.09 49.37 45.13 45.52 45.58 44.50
TOTAL LOANS 37.86 35.12 32.18 28.56 29.03 28.10 27.65
OTHER REAL ESTATE OWNED 0.07 0.05 0.07 0.06 0.06 0.06 0.05
LOAN LOSS RESERVES 0.43 0.40 0.37 0.34 0.38 0.39 0.38
TOTAL DEPOSITS 44.30 41.58 38.73 34.59 35.24 35.54 35.16
NET INCOME 0.74 0.73 0.67 0.60 0.58 0.57 0.49
PERCENT OF ASSETS:
TOTAL LOANS 63.71 63.03 62.41 61.40 61.33 59.39 60.03
US & AGENCY SECURITIES 17.48 18.54 19.92 20.92 22.45 21.14 20.73
ALL OTHER SECURITIES 5.28 5.83 5.96 6.84 5.56 5.31 5.70
EQUITY CAPITAL 9.19 9.03 8.84 9.24 9.09 9.59 9.24
TOTAL CAPITAL 10.64 10.32 10.17 10.33 10.25 10.76 10.42
PERCENT OF TOTAL LOANS:
FARM LOANS 8.71 8.96 9.42 9.92 9.32 9.47 9.27
BUSINESS LOANS 24.74 25.51 24.57 23.98 24.62 24.78 24.97
CONSUMER LOANS 8.56 9.08 10.32 11.02 10.63 12.03 14.28
REAL ESTATE LOANS 56.06 54.23 53.48 53.02 53.36 51.16 48.62
LOAN LOSS RESERVES 1.14 1.14 1.16 1.20 1.32 1.37 1.36
NONCURRENT LOANS * 1.15 0.74 0.77 1.00 1.07 1.11 1.11
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.65 6.46 5.55 5.02 5.14 5.67 6.86
INTEREST EXPENSE 3.06 2.73 1.94 1.39 1.57 2.01 3.20
NET INTEREST INCOME 3.58 3.73 3.61 3.63 3.57 3.66 3.66
PERSONNEL EXPENSE 1.74 1.76 1.69 1.73 1.72 1.62 1.61
OCCUPANCY EXPENSE 0.39 0.41 0.40 0.41 0.41 0.41 0.42
OTHER EXPENSE 0.93 0.94 0.94 0.93 0.95 0.98 1.17
TOTAL NONINTEREST EXP 3.06 3.11 3.03 3.07 3.09 3.01 3.21
NONINTEREST INCOME 1.38 1.38 1.39 1.36 1.39 1.19 1.30
PROVISION FOR LN LOSS 0.28 0.18 0.21 0.22 0.27 0.32 0.36
SECURITY GAINS/LOSSES -0.00 -0.01 -0.02 0.00 0.05 0.15 0.09
INCOME TAXES 0.31 0.41 0.39 0.38 0.39 0.43 0.39
NET INCOME 1.31 1.40 1.35 1.32 1.27 1.24 1.10
DIVIDEND PAYOUT RATE 88.58 54.25 70.05 45.35 56.95 51.62 69.25
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.45 0.29 0.33 0.42 0.47 0.57 0.62
NET LOAN LOSSES 0.37 0.20 0.24 0.32 0.37 0.46 0.51
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 5.08 4.23 2.61 4.07 3.65 5.45 3.87
ROAA OF MORE THAN 1.5% 35.94 35.77 36.57 34.07 31.75 33.82 26.41
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
COMMERCIAL BANK PEER PERFORMANCE SUMMARY - 10TH DISTRICT STATES
12/2001 THROUGH 12/2007 - $ AMOUNTS IN BILLIONS
PEER GROUP: WYOMING -
200712 200612 200512 200412 200312 200212 200112
NUMBER OF BANKS 40 42 40 41 43 47 45
TOTAL ASSETS 7.34 6.61 5.77 5.30 5.18 7.07 7.03
AVERAGE ASSETS - YTD 6.81 6.08 5.42 5.00 4.92 7.34 6.70
TOTAL LOANS 4.77 4.12 3.57 3.38 3.19 3.36 4.45
OTHER REAL ESTATE OWNED 0.00 0.00 0.00 0.00 0.00 0.00 0.00
LOAN LOSS RESERVES 0.05 0.05 0.04 0.04 0.04 0.05 0.05
TOTAL DEPOSITS 6.41 5.78 5.05 4.61 4.50 5.34 6.03
NET INCOME 0.12 0.11 0.09 0.08 0.08 0.13 0.12
PERCENT OF ASSETS:
TOTAL LOANS 65.07 62.22 61.81 63.79 61.47 47.49 63.31
US & AGENCY SECURITIES 17.48 19.19 19.75 20.46 22.45 20.11 20.52
ALL OTHER SECURITIES 4.35 3.54 3.98 4.24 4.93 3.71 3.59
EQUITY CAPITAL 9.30 9.18 9.01 8.82 9.03 10.36 9.57
TOTAL CAPITAL 10.04 9.91 9.74 9.56 9.79 11.57 10.75
PERCENT OF TOTAL LOANS:
FARM LOANS 11.50 12.71 13.43 15.43 15.76 13.44 8.72
BUSINESS LOANS 18.93 18.36 18.20 19.02 19.93 19.08 14.31
CONSUMER LOANS 5.86 6.35 7.07 7.89 8.90 10.32 22.69
REAL ESTATE LOANS 62.38 61.07 59.65 56.33 54.03 55.67 52.99
LOAN LOSS RESERVES 1.13 1.18 1.18 1.16 1.24 1.41 1.02
NONCURRENT LOANS * 0.72 0.61 0.49 0.95 0.87 0.58 0.53
PERCENT OF AVG ASSETS:
INTEREST INCOME 6.73 6.38 5.50 5.12 5.31 5.64 7.80
INTEREST EXPENSE 2.75 2.35 1.52 1.17 1.36 1.33 2.35
NET INTEREST INCOME 3.97 4.03 3.98 3.95 3.95 4.32 5.44
PERSONNEL EXPENSE 1.43 1.45 1.45 1.50 1.57 1.11 1.11
OCCUPANCY EXPENSE 0.32 0.33 0.35 0.36 0.37 0.28 0.28
OTHER EXPENSE 0.83 0.88 0.88 0.86 0.86 1.21 2.34
TOTAL NONINTEREST EXP 2.58 2.66 2.68 2.72 2.80 2.60 3.73
NONINTEREST INCOME 0.74 0.76 0.80 0.68 0.80 0.77 1.05
PROVISION FOR LN LOSS 0.19 0.17 0.13 0.14 0.12 0.32 0.54
SECURITY GAINS/LOSSES -0.01 -0.00 -0.02 0.03 0.04 0.06 0.09
INCOME TAXES 0.13 0.15 0.21 0.22 0.23 0.50 0.57
NET INCOME 1.81 1.80 1.75 1.58 1.64 1.72 1.74
DIVIDEND PAYOUT RATE 69.16 53.95 60.94 58.71 65.11 82.04 44.24
PERCENT OF AVG LOANS:
GROSS LOAN LOSSES 0.21 0.14 0.12 0.16 0.20 0.47 0.87
NET LOAN LOSSES 0.16 0.10 0.07 0.10 0.13 0.38 0.78
DISTRIBUTION OF RETURN ON ASSETS - % OF BANKS WITH:
ROAA OF LESS THAN ZERO 10.00 11.90 2.50 2.44 0.00 2.13 2.22
ROAA OF MORE THAN 1.5% 45.00 47.62 42.50 36.59 39.53 53.19 44.44
* - NONCURRENT LOANS ARE PAST DUE 90 DAYS OR MORE OR NONACCRUAL.
| | CAUTION: The Effects of Interstate Branch
Banking on Bank Peer Comparisons Effective June 1, 1997, the Riegle-Neal
Interstate Banking and Branching Efficiency Act of 1994 allowed interstate
bank mergers on a nationwide basis. Since that date, many of the large
banks in the Tenth Federal Reserve District that are owned by
out-of-District organizations have merged into the lead bank of those
organizations, becoming branches of those banks in the process. Because
these entities are now branches and not banks, they no longer file the
Reports of Condition and Income on which the above peer statistics are
based.
These consolidations make peer comparisons using June 30, 1997, or
later data increasingly difficult at the state and District level. Users
of this data are particularly cautioned that the use of this data to
analyze trends and growth rates may be misleading. Peer analysis at the
national level should not be significantly
affected. |