摘要：Profitability continued to decline sharply in the
third quarter, with large financial organizations
particularly hard hit. Asset quality problems ¨C
especially real estate loans ¨C continue to be a drag
on earnings at banks in all categories (see below).
At both large organizations and community banks,
the ratio of nonperforming loans to total loans
continued to increase. Capital ratios fell slightly in
the quarter. Net interest margins and expense
ratios have remained relatively stable. Deposits
grew at all categories of institutions, possibly due
to customers switching their assets from stocks
and other investments.
