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By Patrick Sims, email@example.com, 202-822-1205
Click to view the HPS FDIC Quarterly Banking Profile Preview here.
The HPS FDIC Quarterly Banking Profile Preview examines FDIC-regulated entities progress in three key areas: safety and soundness, performance, and support to the economy. In the Q4’12, we find:
- U.S. commercial banks’ Tier One Common Capital Ratio was 12.6 percent as U.S. commercial banks increased common capital levels to $1.13 trillion.
- U.S. commercial bank’s Net Income decreased slightly quarter-over-quarter to $32.26 billion, but is the most profitable year since the crisis on an annual basis.
- U.S. commercial bank’s ROAA and ROAE followed the same pattern as Net Income on both a quarterly and annual basis, and ended the year at 1.02 and 9.08, respectively.
- U.S. commercial banks’ Loan-to-Deposit ratio fell to 70.3 percent, in a large part due to the increase in deposits.
- U.S. commercial banks’ topped $10 trillion in deposits, an all-time high. Total bank deposits rose to near $11 trillion.
- Total reserves fell by three percent to $151 million for U.S. commercial banks; while non-performing