Freedonia Focus Reports

US Collection

Commercial Banking:
United States

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January 2014

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Highlights

Industry Overview
Industry Size and Trends | Assets | Gross Loans and Leases | Domestic Deposits
Regulatory Factors and Industry Concentration

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Industry Forecasts
Market Environment | Commercial Banking Forecasts

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Resources

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Industry Structure
Industry Composition | Industry Leaders | Additional Companies Cited
www.freedoniafocus.com

Commercial Banking: United States

ABOUT THIS REPORT

Scope & Method

This report forecasts the following measures of the US commercial banking industry in
US dollars to 2017:

interest income
net loan and lease charge-offs
net income
assets
gross loans and leases
domestic deposits.

The scope of this report encompasses banking institutions insured by the Federal
Deposit Insurance Corporation (FDIC). Specifically, this report covers the FDIC-insured
commercial banking subsidiaries of bank holding companies as well as savings
institutions (also known as savings and loans). The asset management as well as the
corporate and investment banking subsidiaries of bank holding companies are beyond
the scope of this report. Financial institutions that offer commercial, investment, and
insurance services are typically chartered as bank holding companies.
In addition, stand-alone investment banks, insurance underwriters, mutual funds, and
other investment entities or securities brokers are excluded. Furthermore, credit unions
non-profit institutions that offer membership to individuals in a select group are not
insured by the FDIC and are excluded from the scope of this report.
To illustrate historical trends, interest income, net loan and lease charge-offs, net
income, assets, gross loans and leases, and domestic deposits are provided in annual
series from 2002 to 2012. Forecasts emanate from the identification and analysis of
pertinent statistical relationships and other historical trends/events as well as their
expected progression/impact over the forecast period. Changes in quantities between
reported years of a given total or segment are typically provided in terms of five-year
compound annual growth rates (CAGRs). For the sake of brevity, forecasts are
generally stated in smoothed CAGR-based descriptions to the forecast year, such as
demand is projected to rise 3.2% annually through 2017. The result of any particular
year over that period, however, may exhibit volatility and depart from a smoothed, longterm trend, as historical data typically illustrate.
Key macroeconomic indicators are also provided at five-year intervals with CAGRs for
the years corresponding to other reported figures. Other various topics, including
profiles of pertinent leading suppliers, are covered in this report. A full outline of report
items by page is available in the Table of Contents.

2014 by The Freedonia Group, Inc.

Commercial Banking: United States

Sources
Commercial Banking: United States represents the synthesis and analysis of data from
various primary, secondary, macroeconomic, and demographic sources including:

firms participating in the industry

government/public agencies
national, regional, and international non-governmental organizations
trade associations and their publications
the business and trade press
The Freedonia Group Consensus Forecasts dated August 2013 and
June 2013
the findings of other industry studies by The Freedonia Group.

Specific sources and additional resources are listed in the Resources section of this
publication for reference and to facilitate further research.

Industry Codes
The topic of this report is related to the following industry codes:
NAICS/SCIAN 2007
North American Industry Classification System

SIC
Standard Industry Codes

522110
522120

6021
6022
6035
6036

Commercial Banking
Savings Institutions

National Commercial Banks

State Commercial Banks
Savings Institutions, Federally Chartered
Savings Institutions, Not Federally
Chartered

Copyright & Licensing

The full report is protected by copyright laws of the United States of America and
international treaties. The entire contents of the publication are copyrighted by The
Freedonia Group, Inc.

2014 by The Freedonia Group, Inc.

Commercial Banking: United States

Table of Contents
Section

Page

Highlights....................................................................................................................................................... 1
Industry Overview ......................................................................................................................................... 2
Industry Size & Trends............................................................................................................................. 2
Interest Income. .................................................................................................................................. 2
Chart 1 | United States: Commercial Bank Interest Income Trends, 2002-2012 .......................... 2
Net Loan & Lease Charge-Offs. ......................................................................................................... 3
Chart 2 | United States: Commercial Bank Net Loan & Lease Charge-off Trends, 2002-2012 .... 4
Net Income. ........................................................................................................................................ 5
Chart 3 | United States: Commercial Bank Net Income Trends, 2002-2012 ................................ 5
Assets ...................................................................................................................................................... 6
Chart 4 | United States: Commercial Bank Assets by Type, 2012 ..................................................... 6
Chart 5 | United States: Commercial Bank Asset Trends, 2002-2012 ............................................... 7
Gross Loans & Leases ............................................................................................................................. 9
Chart 6 | United States: Commercial Bank Gross Loans & Leases by Type, 2012 ........................... 9
Chart 7 | United States: Commercial Bank Gross Loan & Lease Trends, 2002-2012 ..................... 10
Domestic Deposits ................................................................................................................................. 11
Chart 8 | United States: Commercial Bank Domestic Deposits by Type, 2012 ................................ 11
Chart 9 | United States: Commercial Bank Domestic Deposit Trends, 2002-2012 .......................... 12
Regulatory Factors & Industry Concentration ........................................................................................ 13
Chart 10 | United States: Number of Commercial Banks, 2002-2012 .............................................. 14
Industry Forecasts ....................................................................................................................................... 15
Market Environment ............................................................................................................................... 15
Table 1 | United States: Key Indicators for the Commercial Banking Industry (billion dollars) ........ 15
Commercial Banking Forecasts ............................................................................................................. 16
Table 2 | United States: Commercial Banking Forecasts (billion dollars) ........................................ 16
Interest Income. ................................................................................................................................ 16
Net Loan & Lease Charge-Offs. ....................................................................................................... 16
Net Income. ...................................................................................................................................... 17
Assets. .............................................................................................................................................. 17
Gross Loans & Leases. .................................................................................................................... 18
Domestic Deposits. ........................................................................................................................... 18
Industry Structure ........................................................................................................................................ 19
Industry Composition ............................................................................................................................. 19
Chart 11 | United States: Commercial Bank Asset Concentration, 2012 ......................................... 19
Industry Leaders .................................................................................................................................... 21
JPMorgan Chase & Company .......................................................................................................... 21
Bank of America Corporation ........................................................................................................... 22
Citigroup Incorporated ...................................................................................................................... 23
Hudson City Bancorp Incorporated .................................................................................................. 24
Additional Companies Cited................................................................................................................... 25
Resources ................................................................................................................................................... 26
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2014 by The Freedonia Group, Inc.