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The Premium Report on Savings Institutions contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Savings Institutions Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Savings Institutions

The total U.S. market size for the Savings Institutions industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Savings Institutions

Market forecasts show the long term outlook for the Savings Institutions industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Product & Services Breakdown

The following products and services account for the largest source of revenues in the Savings Institutions industry. Note that there are multiple levels of classification, so some line items are contained within other lines.

Product Description	Number of Companies	Sales ($ millions)	Percent of Total Sales
Industry Total	AVAILABLE
Loan Products - Income	AVAILABLE
Loans To Businesses - Commercial And Industrial Mortgages	AVAILABLE
Loans To Businesses - Other	AVAILABLE
Loans To Consumers - Secured, Residential Mortgages	AVAILABLE
Loans To Consumers - Secured, Home Equity	AVAILABLE
Loans To Consumers - Secured, Vehicle	AVAILABLE
Loans To Consumers - Secured, Other	AVAILABLE
Loans To Consumers - Unsecured	AVAILABLE
Credit Card Products - Income	AVAILABLE
Credit Card Cardholder Products - Consumer	AVAILABLE
Leasing Products - Income	AVAILABLE
Operating Leases - Other	AVAILABLE
Brokering And Dealing Products - Debt Instruments	AVAILABLE
Brokering And Dealing Products - Equities	AVAILABLE
Broker/Deal Inv Comp Securities, Including Mutual Funds	AVAILABLE
Financing Related To Securities	AVAILABLE
Trading Debt Instruments On Own Account - Net Gains (Losses)	AVAILABLE
Trading Other Scrty & Comdty Contr On Own Acct - Net Gains (Losses)	AVAILABLE
Deposit Account Service Packages	AVAILABLE
Separately-Priced Deposit Account Products	AVAILABLE
Cash Handling And Management Products	AVAILABLE
Trust Products - Fiduciary Fees	AVAILABLE
Trust Products For Businesses And Governments	AVAILABLE
Personal Trust Products	AVAILABLE
Financial Planning And Investment Management Products	AVAILABLE
Financial Planning And Investment Mgt Serv For Bus & Govt	AVAILABLE
Other Products Supporting Financial Services - Fees	AVAILABLE
All Other Direct Insurance Products - Premiums	AVAILABLE

Income Statement (Average Financial Metrics) - Savings Institutions

Financial metrics provide a snapshot view of an "average" company in the Savings Institutions industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Savings Institutions

Financial ratios can be used to compare how a company in the Savings Institutions industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Savings Institutions Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Savings Institutions Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Savings Institutions

Compensation statistics provides an accurate assessment of jobs in the Savings Institutions industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	17%
Loan officers	8%
Sales and related occupations	5%
Office and administrative support occupations	64%
First-line supervisors/managers of office and administrative support workers	7%
Tellers	29%
Customer service representatives	7%

Source: Bureau of Labor Statistics

Companies in Savings Institutions and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Savings Institutions Company News

Web scan for recent news about publicly traded companies in the Savings Institutions industry.

Government Contracts Related to Savings Institutions

In 2008, the federal government spent a total of $95,364 on Savings Institutions. It has awarded 9 contracts to 4 companies, with an average value of $23,841 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Savings Institutions contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Savings Institutions Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Savings Institutions

The total U.S. market size for the Savings Institutions industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Savings Institutions

Financial metrics provide a snapshot view of an "average" company in the Savings Institutions industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Savings Institutions

Financial ratios can be used to compare how a company in the Savings Institutions industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Savings Institutions Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Savings Institutions Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Savings Institutions

Compensation statistics provides an accurate assessment of jobs in the Savings Institutions industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	8%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Business and financial operations occupations	17%
Loan officers	8%
Sales and related occupations	5%
Office and administrative support occupations	64%
First-line supervisors/managers of office and administrative support workers	7%
Tellers	29%
Customer service representatives	7%

Source: Bureau of Labor Statistics

Companies in Savings Institutions and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Savings Institutions Company News

Web scan for recent news about publicly traded companies in the Savings Institutions industry.

• MONEY & BANKING: INTEREST RATES: Savings bank deposit rates may be freed Decision to be taken after adequate debate, says RBI. Deregulation of savings bank deposit rate, the only rate that is currently fully administered, is on ...
• Europe to Disclose Results of Bank Stress Tests: The move would be accompanied by a pledge to show flexibility in applying rules limiting government aid to companies, according to an agreement reached at a summit meeting of Europen Union leaders in Brussels.
• Finance and Banking: Federally Regulated Financial Institutions ( "FRFIs" ) will soon be facing new regulations requiring certain disclosure with respect to registered retirement savings plans ( "RRSPs" ), registered education savings plans ( "RESPs" ), tax free savings accounts ( "TFSAs" ), registered disability savings plans ( "RDSPs" ), and products such as guaranteed investment certificates ( "GICs" ) and ...
• Highline Financial Introduces Bank Sector Watch List as Part of Highline Rating: 271 Financial Institutions With Combined Assets Over $130 Billion at Extreme Risk of Failure
• Highline Financial Introduces Bank Sector Watch List as Part of Highline Rating: NEW YORK, NY and AUSTIN, TX--(Marketwire - 06/17/10) - Highline Financial, the preferred source for banking information and analytics for the financial sector, has developed a Watch List based on the Highline Rating, detailing the worst performing US financial institutions including commercial banks, savings banks and savings & loans. According to Highline Financial, 796 financial institutions ...
• Household savings improve in June: Household savings improved in the June quarter, but credit cards overtook mortgages as the main form of debt
• Household savings two times higher than debts last year: Prague, June 16 (CTK) - Savings of Czech households were roughly two times higher compared to household debts at the end of last year, growing by 7.3 percent on the year to Kc2,200bn, the Finance Ministry has said on its website.
• Household savings improve in June qtr: Household savings improved in the June quarter, but credit cards overtook mortgages as the main form of debt, a Melbourne Institute survey shows.
• 7 tips for choosing a health savings account: A health savings account , or HSA, is exactly what the name implies: a financial account that can be used to save money for future medical expenses. These accounts, combined with a high-deductible health insurance plan, also offer certain income tax breaks that make them even more attractive.
• Bristol County Savings Provides $14K For Literacy Programs: The charitable arm of Taunton-based Bristol County Savings Bank has awarded $14,500 in grants to 12 literacy and education groups that serve children in Pawtucket, R.I.
• Local banker elected to ICBA Board of Directors: MATTOON The Independent Community Bankers of America (ICBA) announced that local community banker Preston G. Smith, president of the $57 million-asset The First National Bank, Mattoon, was elected to the ICBA board of directors, the nations voice for community banking.
• Savings and investment: The words diversification and innovation have entered the lexicon of the politicians and now refer to anything.
• Lovettsville Resident Pleads Guilty In Federal Investment Fraud Case: A Lovettsville resident pleaded guilty today to running an investment scheme that defrauded more than $6.7 million from clients who had given him money to purchase blue chip stocks.
• UPEI increases tuition 3.2 per cent: UPEI students were hit with a 3.2 per cent increase in tuition for the coming year after the universitys board of governors Thursday night�approved a tight but balanced operating budget for 2010-2011.
• Industry applauds tax reforms of MITs: Reform of the tax system for managed investment trusts (MITs) announced on Friday will simplify the administration of managed funds, according to Federal Assistant Treasurer Nick Sherry.

Markets Related to Savings Institutions