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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

Table V-B. First Three Quarters 2015, FDIC-Insured Community Banks
(dollar figures in millions) All Community Banks First Three Quarters 2015, Geographic Regions*
First Three Qtrs. 2015 First Three Qtrs. 2014 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance Ratios (%)
Yield on earning assets 4.03 4.11 3.87 4.21 3.95 4.05 4.21 4.04
Cost of funding earning assets 0.46 0.49 0.56 0.48 0.44 0.47 0.39 0.30
Net interest margin 3.58 3.61 3.31 3.72 3.51 3.58 3.82 3.74
Noninterest income to assets 0.95 0.88 0.70 0.92 1.29 0.91 0.93 1.12
Noninterest expense to assets 2.90 2.93 2.61 3.22 3.08 2.76 2.99 3.01
Loan and lease loss provision to assets 0.11 0.13 0.16 0.09 0.07 0.10 0.13 0.04
Net operating income to assets 0.97 0.90 0.69 0.77 1.09 1.16 1.14 1.08
Pretax return on assets 1.28 1.19 1.07 1.06 1.42 1.41 1.36 1.56
Return on assets 0.99 0.92 0.72 0.80 1.11 1.18 1.16 1.09
Return on equity 8.88 8.44 6.44 7.15 9.89 10.72 10.64 9.22
Net charge-offs to loans and leases 0.13 0.20 0.16 0.15 0.15 0.08 0.14 0.02
Loan and lease loss provision to net charge-offs 129.76 99.07 143.34 89.16 73.59 189.85 153.57 324.70
Efficiency ratio 67.68 69.08 68.58 73.96 67.41 64.62 66.74 65.16
Net interest income to operating revenue 77.69 79.04 81.42 78.73 71.57 78.57 79.16 75.60
% of unprofitable institutions 5.04 6.80 7.46 8.95 4.99 2.60 3.94 6.75
% of institutions with earnings gains 63.04 60.26 59.50 60.28 64.04 65.78 60.37 69.09
* See Table V-A for explanations.

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