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Federal Deposit
Insurance Corporation

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

Quarterly Banking Profile

Table IV-B. Second Quarter 2016, FDIC-Insured Community Banks
  All Community Banks Second Quarter 2016, Geographic Regions*
2nd Quarter 2016 1st Quarter 2016 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.04 4.02 3.85 4.16 3.94 4.11 4.25 4.08
Cost of funding earning assets 0.46 0.46 0.57 0.47 0.44 0.47 0.40 0.30
Net interest margin 3.58 3.56 3.28 3.69 3.50 3.63 3.85 3.78
Noninterest income to assets 0.97 0.89 0.71 0.97 1.31 0.93 0.95 1.13
Noninterest expense to assets 2.86 2.84 2.52 3.10 3.04 2.79 2.99 3.00
Loan and lease loss provision to assets 0.14 0.12 0.16 0.12 0.10 0.14 0.18 0.08
Net operating income to assets 0.99 0.95 0.74 0.87 1.08 1.16 1.14 1.09
Pretax return on assets 1.34 1.28 1.13 1.20 1.46 1.43 1.39 1.62
Return on assets 1.03 0.98 0.78 0.90 1.11 1.19 1.18 1.12
Return on equity 9.09 8.74 6.92 8.04 9.81 10.59 10.54 9.64
Net charge-offs to loans and leases 0.13 0.10 0.13 0.15 0.12 0.09 0.19 0.04
Loan and lease loss provision to net charge-offs 159.07 178.12 169.42 126.77 123.07 214.26 145.96 329.06
Efficiency ratio 66.24 67.24 66.54 70.43 66.35 64.23 65.99 64.04
Net interest income to operating revenue 77.50 78.84 81.30 77.74 71.22 78.47 78.97 75.79
% of unprofitable institutions 4.69 5.21 6.79 6.75 5.61 3.21 3.13 5.19
% of institutions with earnings gains 60.03 61.51 61.27 62.26 60.62 58.28 59.46 60.66
* See Table V-A for explanations

Last Updated 8/30/2016 Questions, Suggestions & Requests

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