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A.1.--Continued
C. Banks ranked 11 through 100 by assets--Continued
Item 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
 
Rates earned  
Interest-earning assets 8.18 8.33 8.13 7.84 8.44 7.54 6.03 5.30 5.26 6.05
Taxable equivalent 8.23 8.36 8.17 7.88 8.48 7.58 6.07 5.33 5.29 6.08
Loans and leases, gross 8.88 9.03 8.82 8.50 9.14 8.26 6.80 6.11 5.98 6.63
Net of loss provisions 8.21 8.27 8.15 7.80 8.25 6.96 5.59 5.11 5.19 5.90
Securities 6.49 6.55 6.31 6.32 6.64 5.96 4.79 3.80 3.63 4.18
Taxable equivalent 6.66 6.70 6.46 6.46 6.77 6.08 4.91 3.90 3.73 4.29
Investment account 6.49 6.57 6.33 6.34 6.66 6.04 4.86 3.87 3.64 4.11
U.S. Treasury securities and U.S. government agency obligations (excluding MBS) n.a. n.a. n.a. n.a. n.a. 5.83 4.28 3.17 2.94 3.47
Mortgage-backed securities n.a. n.a. n.a. n.a. n.a. 6.60 5.34 4.20 4.02 4.34
Other n.a. n.a. n.a. n.a. n.a. 5.13 4.22 3.61 3.29 4.04
Trading account 6.53 6.05 5.86 5.58 6.25 4.83 3.59 2.56 3.39 5.30
Gross federal funds sold and reverse RPs 5.31 5.45 5.46 5.12 6.06 3.86 1.68 1.14 1.25 3.24
Interest-bearing balances at depositories 5.82 5.76 5.67 4.81 5.49 4.38 2.46 1.93 2.27 3.20
 
Rates paid  
Interest-bearing liabilities 4.70 4.79 4.77 4.38 5.22 4.16 2.41 1.80 1.71 2.68
Interest-bearing deposits 4.15 4.22 4.15 3.76 4.42 3.60 1.96 1.35 1.29 2.03
In foreign offices 5.29 5.23 5.22 4.70 5.38 3.67 1.70 1.23 1.42 2.76
In domestic offices 3.96 4.04 3.96 3.60 4.26 3.60 1.99 1.36 1.27 1.95
Other checkable deposits 1.78 2.01 2.41 2.03 2.57 2.32 .94 .64 .72 1.28
Savings (including MMDAs) 2.91 2.84 2.76 2.49 2.94 2.30 1.08 .66 .65 1.30
Large time deposits2 5.50 5.47 5.32 4.96 5.88 5.11 3.37 2.70 2.49 3.30
Other time deposits2 5.26 5.43 5.35 5.03 5.73 5.42 3.68 2.95 2.58 3.04
Gross federal funds purchased and RPs 5.19 5.29 5.22 4.87 6.02 3.86 1.73 1.20 1.37 3.04
Other interest-bearing liabilities 5.95 5.85 5.81 5.41 6.36 5.30 3.54 3.02 2.76 3.87
 
Gross interest income 7.24 7.26 7.16 6.98 7.54 6.70 5.31 4.67 4.67 5.34
Taxable equivalent 7.28 7.30 7.19 7.02 7.57 6.73 5.34 4.70 4.70 5.36
Loans 5.80 5.87 5.79 5.56 6.05 5.28 4.15 3.72 3.72 4.27
Securities 1.03 .98 1.00 1.10 1.09 1.06 .90 .75 .73 .77
Gross federal funds sold and reverse RPs .23 .22 .19 .18 .22 .15 .08 .04 .03 .06
Other .18 .19 .18 .14 .18 .21 .18 .15 .19 .22
 
Gross interest expense 3.39 3.41 3.45 3.26 3.96 3.14 1.77 1.30 1.26 1.94
Deposits 2.18 2.23 2.23 2.02 2.41 2.01 1.09 .77 .74 1.18
Gross federal funds purchased and RPs .55 .51 .51 .51 .56 .38 .17 .12 .13 .23
Other .66 .68 .71 .74 .99 .75 .51 .41 .40 .53
 
Net interest income 3.84 3.85 3.71 3.72 3.58 3.56 3.54 3.37 3.41 3.40
Taxable equivalent 3.89 3.89 3.74 3.75 3.61 3.59 3.57 3.40 3.44 3.42
 
Loss provisions3 .54 .60 .54 .55 .68 .91 .80 .67 .55 .52
 
Non-interest income 2.61 2.76 3.07 3.36 3.18 3.35 3.30 3.29 3.05 2.75
Service charges on deposits .44 .44 .42 .41 .42 .42 .42 .42 .40 .37
Fiduciary activities .43 .44 .49 .48 .52 .42 .42 .37 .42 .35
Trading revenue .08 .08 .09 .08 .07 .08 .08 .09 .07 .06
Interest rate exposures .03 .02 .03 .02 .02 .04 .04 .04 -.01 -.01
Foreign exchange rate exposures .04 .05 .06 .05 .04 .03 .04 .04 .05 .04
Other commodity and equity exposures .01 * * * * * * .01 .03 .02
Other 1.67 1.79 2.07 2.39 2.18 2.43 2.37 2.41 2.16 1.98
 
Non-interest expense 3.85 3.85 4.03 4.12 4.00 3.95 3.73 3.64 3.55 3.36
Salaries, wages, and employee benefits 1.51 1.51 1.53 1.53 1.44 1.47 1.49 1.47 1.45 1.37
Occupancy .48 .46 .46 .45 .43 .42 .40 .41 .39 .37
Other 1.86 1.88 2.04 2.14 2.14 2.07 1.84 1.76 1.70 1.62
 
Net non-interest expense 1.24 1.10 .96 .76 .82 .60 .43 .35 .50 .61
 
Gains on investment account securities .02 .02 .03 -.01 -.05 .09 .10 .06 .03 *
 
Income before taxes and extraordinary items 2.09 2.18 2.24 2.40 2.02 2.14 2.41 2.42 2.39 2.27
Taxes .75 .77 .78 .86 .70 .74 .82 .82 .82 .77
Extraordinary items, net of income taxes * * * * * * * * * .01
 
Net income 1.34 1.42 1.45 1.54 1.32 1.39 1.59 1.59 1.57 1.50
Cash dividends declared 1.07 .93 .96 1.16 .94 .96 .99 1.05 .95 1.00
Retained income .26 .48 .50 .38 .38 .43 .60 .54 .62 .50
 
Memo: Return on equity 16.78 17.36 17.38 18.46 15.72 15.74 17.24 17.03 15.54 13.48

1. When possible, based on the average of quarterly balance sheet data reported on schedule RC-K of the quarterly Call Report.  Return to table

2. Before 1997, large time deposit open accounts were included in other time deposits.  Return to table

3. Includes provisions for allocated transfer risk.  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