12th District Banking Profile
These quarterly reports highlight key indicators of banking conditions within the 12th Federal Reserve District.
This publication was discontinued as of December 2012. Banks at a Glance – Bank Profiles by State provides similar District data as well as data for each of the nine states comprising the 12th Federal Reserve District.
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Banking Profile: Fourth Quarter 2012
Federal Reserve Bank of San Francisco
This Profile looks at both crisis and recovery periods from a long-term perspective. One chart shows how over time, real estate credits became the predominant loan type, reaching 77% of District bank loans on average.
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Banking Profile: Third Quarter 2012
Federal Reserve Bank of San Francisco
This Profile takes a look at a few nationwide banking trends over the past 35 years, dividing banks into three peer groups by size. One chart shows the comparative core profitability rates (pre-tax pre-provision earnings as a percent of average assets), with larger banks outperforming the smaller banks consistently over the past 20 years.
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Banking Profile: Second Quarter 2012
Federal Reserve Bank of San Francisco
This Banking Profile explores some key metrics by “Asset Quality” ratings assigned by bank supervisors. For example, based on nationwide bank data, banks rated “1” or “2” (satisfactory or better) typically have total classification ratios of 41% or lower, noncurrent loan ratios of 2.9% or lower, net charge-off ratios of 0.9% or lower, and ALLL / Noncurrent loan multiples of 0.5x or higher.
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Banking Profile: First Quarter 2012
Federal Reserve Bank of San Francisco
Banks headquartered within the 12th Federal Reserve District continued to recover from severe recession as reflected in improved profitability, capital adequacy and asset quality. CAMELS ratings assigned by bank examiners reflect these improvements with the average rating for all District banks down to 2.8 from a record high 3.0 in early 2011 (lower is better). In good times, CAMELS ratings average at or below the “satisfactory” threshold of “2”.
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Banking Profile: Fourth Quarter 2011
Federal Reserve Bank of San Francisco
Real estate loans increased from roughly 30% of the typical bank portfolio in the ’70’s to 75% as banks shifted their emphasis to real estate and away from consumer lending that became more concentrated at a smaller number of large banks and non-bank institutions.
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Banking Profile: Third Quarter 2011
Federal Reserve Bank of San Francisco
Banks headquartered within the 12th Federal Reserve District remained weakened from recessionary conditions, but continued on a slow path towards recovery. In addition to improving asset quality and capital, District banks on average reported a return on average assets of 0.52% in 3Q11 (annualized), a figure well below normal levels, but the best 1-quarter ROAA in 3 1/2 years. The year-to-date average ROAA was a little weaker, at 0.41%.
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Banking Profile: Second Quarter 2011
Federal Reserve Bank of San Francisco
Key indicators of banking conditions in the 12th Federal Reserve District
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Banking Profile: First Quarter 2011
Federal Reserve Bank of San Francisco
Key indicators of banking conditions in the 12th Federal Reserve District
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Banking Profile: Fourth Quarter 2010
Federal Reserve Bank of San Francisco
12th District banks continued to struggle, losing money on average in the 4Q10 with loan quality problems weighing heavily. The potential for higher losses on income property loans remain a concern, with 60% of District banks already having less-than-satisfactory CAMELS ratings. Yet, positive trends in capital, earnings, and asset quality (in general) provide reasons for optimism in 2011.