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FDIC Quarterly Banking Profile

Table IV-B. Fourth Quarter 2016, FDIC-Insured Community Banks
  All Community Banks Fourth Quarter 2016
4th Quarter 2016 3rd Quarter 2016 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.06 4.05 3.86 4.18 3.95 4.12 4.25 4.16
Cost of funding earning assets 0.47 0.47 0.57 0.46 0.44 0.49 0.41 0.35
Net interest margin 3.59 3.58 3.30 3.71 3.50 3.63 3.84 3.81
Noninterest income to assets 0.95 0.99 0.67 0.86 1.32 0.97 0.92 1.18
Noninterest expense to assets 2.88 2.85 2.56 3.08 3.09 2.87 3.02 2.89
Loan and lease loss provision to assets 0.17 0.14 0.15 0.14 0.10 0.20 0.30 0.08
Net operating income to assets 0.98 1.03 0.75 0.82 1.15 1.06 1.01 1.31
Pretax return on assets 1.24 1.38 1.05 1.08 1.37 1.29 1.16 1.76
Return on assets 0.99 1.05 0.77 0.83 1.14 1.07 1.01 1.31
Return on equity 8.83 9.32 6.81 7.44 10.22 9.58 9.16 11.59
Net charge-offs to loans and leases 0.21 0.16 0.18 0.19 0.20 0.27 0.28 0.11
Loan and lease loss provision
to net charge-offs 116.06 122.52 111.85 105.79 73.52 108.02 162.75 107.16
Efficiency ratio 66.24 65.38 65.20 71.56 67.20 65.41 66.95 60.79
Net interest income to operating revenue 77.79 77.04 82.27 79.87 71.06 77.69 79.38 75.16
% of unprofitable institutions 8.46 4.80 8.07 11.97 8.58 8.20 7.98 4.84
% of institutions with earnings gains 57.92 60.12 65.19 63.03 57.25 53.96 55.42 62.11
* See Table V-A for explanations.