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1995 FDIC Q. Banking Profile 1 (1995)

handle is hein.journals/fdicqubkp1995 and id is 1 raw text is: First Quarter 1995 .. n e. FDIC Ricki Helfer, Chairman anking Profile COMMERCIAL BANKING PERFORMANCE - FIRST QUARIER 1995 * Commercial Banks Earn $11.1 Billion In First Quarter * Noncurrent Loans Register First Increase In Four Years * Commercial Loan Growth Sets Quarterly Record * Mergers Absorb 228 Banks Insured commercial banks reported $11.13 bil- lion in net income in the first quarter of 1995. A year ago, industry earnings totaled $11.06 bil- lion. This small increase in earnings was attrib- utable to higher net interest income. Earnings growth was limited by a decline of almost $1 billion in gains and fees from trading accounts, a $651-million reduction in income from securi- ties sales, and by the lack of significant reduc- tions in provisions for future loan losses which Quarterly Net Income 1991 - 1995 $ Billions U 10 F FDIC Division of Research & Statistics Don Inscoe Associate Director, Statistics Branch (202) 898-3940 Tim Critchfield (202) 898-8557 Jim McFadyen (202) 898-7027 Ross Waldrop (202) 898-3951 8 6 4 :2 0 -2 -5.5 301 Securities and Other Gains, Net Net Operating Income 85T loe Ii I I I-I I I 1 1 2 3 1991 4 1 2 3 1992 11.8 10.7 11.1 4 1 2 3 4 1 2 3 4 1 1993 1994 1995 poor results from trading accounts was most acute. Average ROAs of banks with less than $1 billion in assets showed modest improve- ments from a year ago. Almost 97 percent of all banks were profitable in the first quarter. Banks in the Northeast and Southwest Regions were the only groups to register a year-to-year drop in net income. Higher net interest income was the main source of improved industry profits. Net interest in- come, at $37.7 billion, was $2.5 billion higher than a year earlier. Loan income of $52.8 billion was more than $9 billion (20.3 percent) higher than a year ago, reflecting strong loan growth (12.1 percent) over the past 12 months. Total interest-earning assets were 6.4 percent above the level of a year ago. The industry's average Quarterly Net Interest Margins 1991 - 1995 Net Interest Margin (%) 5.0 4.5 4.0 3.5 helped propel earlier earnings improve- ments. The average return on assets (ROA) for the quarter was 1.1 Qpercent, compared to 1.17 percent a year ago. The decline in profitability was concentrated among institutions with as- sets of $1 billion or more, where the impact of Assets <$100 Million 4.80% * Assets >$100 Million 4.27% 1........ 1 2 3 4 1 1991 2 3 4 1 2 3 4 1 2 3 4 1 1992 1993 1994 1995 Requests for copies of and subscriptions to the FDIC Quarterly Banking Profile should be made through the FDIC's Office of Corporate Communications, 550 17th Street, NW, Washington, DC 20429; telephone (202) 898-6996. Internet address: World Wide Web, www.fdic.gov. or Gopher, gopher.fdic.gov. 12 14

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