Essay About Small-Denomination Time Deposits And Total Assets

Financial Review
Essay title: Financial Review
Balance Sheet ($ millions)
Banks in the Region 2005
Assets
Reserves
7.25%
5.78%
6.22%
12,184
5.61%
Cash items in process of collection
3.00%
2.10%
1.88%
6,513
3.00%
Deposits at other banks
2.00%
1.11%
2.00%
4,242
1.95%
Securities
U.S. Government and Agency
16.75%
2,243
20.00%
1,694
18.89%
40,020
18.43%
State and Local Government
6.00%
6.00%
6.00%
13,026
6.00%
and other Securities
Loans
Commercial and Industrial
16.00%
1,795
16.01%
1,436
16.01%
34,736
16.00%
Real Estate
22.00%
2,467
22.00%
1,974
22.01%
47,762
22.00%
Consumer
15.00%
1,682
15.00%
1,346
15.01%
32,565
15.00%
Inter-bank
2.83%
2.84%
2.83%
6,143
2.83%
Other
2.17%
2.17%
2.16%
4,712
2.17%
Other Assets
7.00%
7.00%
7.00%
15,197
7.00%
Total Assets
12309
100.00%
11,214
100.00%
8,970
100.00%
217,100
Liabilities
Checkable Deposits
2,954
24.00%
2,691
24.00%
2,152
23.99%
52,104
24.00%
Nontransaction Deposits
Savings Deposits
2,585
21.00%
1,855
16.54%
1,884
21.00%
45,591
21.00%
Small-denomination time Deposits
1,723
14.00%
1,570
14.00%
1,256
14.00%
30,394
14.00%
Large-denomination time Deposits
1,354
11.00%
1,234
11.00%
11.00%
23,881
11.00%
Borrowings
2,954
24.00%
2,691
24.00%
2,153
24.00%
41,104
18.93%
Bank Capital
6.00%
1,173
10.46%
6.00%
24,026
11.07%
Total Liabilities
12,309
100.00%
11,214
100.00%
8,970
100.00%
217,100
100.00%
Income Statement ($ in millions)
Banks in the Region 2005
Operating Income
Interest on Loans
76.58%
75.22%
76.56%
12,671
79.54%
Interest on Securities
16.84%
18.90%
16.84%
2,347
14.73%
Other Interest
6.58%
5.88%
6.60%
5.73%
Interest Income
100.00%
100.00%
100.00%
15,931
100.00%
Service charges on Deposit
Accounts
62.05%
68.88%
70.98%
7,041
64.44%
Other Noninterest Income
37.95%
31.12%
29.02%
3,885
35.56%
Noninterest Income
100.00%
100.00%
100.00%
10,926
100.00%
Total Operating Income
1,433
100.00%
1,342
100.00%
100.00%
26,857
100.00%
Operating Expenses
Interest Expenses
Interest on Deposits
24.11%
33.42%
32.69%
9,264
38.31%
Interest on Fed Fund and Repos
8.25%
2.58%
2.86%
2.08%
Other
4.84%
4.66%
5.14%
3.61%
Noninterest Expenses
Salaries and Employee Benefits
24.35%
22.61%
34.97%
4,998
20.67%
Premises and Equipment
14.12%
13.47%
3.43%
3,139
12.98%
Other
13.72%
13.13%
10.97%
3,047
12.60%
Provisions for Loan Losses
10.63%
10.14%
9.94%
2,355
9.74%
Total