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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table IV-B. Fourth Quarter 2015, FDIC-Insured Community Banks
  All Community Banks Fourth Quarter 2015, Geographic Regions*
4th Quarter 2015 3rd Quarter 2015 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.06 4.08 3.88 4.22 3.95 4.10 4.26 4.07
Cost of funding earning assets 0.46 0.46 0.56 0.47 0.43 0.46 0.39 0.30
Net interest margin 3.60 3.62 3.32 3.75 3.52 3.64 3.87 3.77
Noninterest income to assets 0.96 0.95 0.69 0.90 1.32 0.89 0.92 1.28
Noninterest expense to assets 2.95 2.91 2.66 3.23 3.10 2.86 3.06 3.01
Loan and lease loss provision to assets 0.15 0.11 0.20 0.11 0.07 0.13 0.20 0.07
Net operating income to assets 0.97 0.99 0.69 0.77 1.14 1.07 1.11 1.22
Pretax return on assets 1.23 1.31 0.95 1.03 1.42 1.29 1.25 1.72
Return on assets 0.98 1.00 0.70 0.78 1.15 1.08 1.12 1.23
Return on equity 8.78 8.92 6.29 6.96 10.25 9.78 10.16 10.54
Net charge-offs to loans and leases 0.19 0.14 0.17 0.25 0.20 0.18 0.24 0.07
Loan and lease loss provision to net charge-offs 112.75 116.78 170.76 66.55 49.31 107.56 132.22 156.16
Efficiency ratio 67.95 67.26 68.98 73.84 67.49 66.57 67.54 62.49
Net interest income to operating revenue 77.73 77.89 81.81 79.35 71.25 79.17 79.55 73.30
% of unprofitable institutions 9.57 5.33 11.53 15.24 8.90 7.74 8.12 9.79
% of institutions with earnings gains 56.51 58.38 56.59 57.41 56.61 55.56 56.66 57.67
* See Table V-A for explanations.

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