|
Table IV-B. First Quarter 2016, FDIC-Insured Community Banks
|
|
|
All Community Banks
|
First Quarter 2016, Geographic Regions
|
|
1st Quarter 2016
|
4th Quarter 2015
|
New York
|
Atlanta
|
Chicago
|
Kansas City
|
Dallas
|
San Francisco
|
| Performance ratios (annualized, %) |
| Yield on earning assets |
4.02 |
4.06 |
3.85 |
4.16 |
3.91 |
4.06 |
4.22 |
4.06 |
| Cost of funding earning assets |
0.46 |
0.46 |
0.56 |
0.47 |
0.43 |
0.47 |
0.39 |
0.30 |
| Net interest margin |
3.56 |
3.60 |
3.29 |
3.69 |
3.48 |
3.59 |
3.83 |
3.75 |
| Noninterest income to assets |
0.89 |
0.96 |
0.66 |
0.92 |
1.19 |
0.83 |
0.90 |
0.96 |
| Noninterest expense to assets |
2.84 |
2.95 |
2.54 |
3.09 |
3.02 |
2.72 |
2.96 |
2.97 |
| Loan and lease loss provision to assets |
0.12 |
0.15 |
0.12 |
0.10 |
0.08 |
0.12 |
0.17 |
0.08 |
| Net operating income to assets |
0.95 |
0.96 |
0.73 |
0.82 |
1.02 |
1.11 |
1.13 |
0.98 |
| Pretax return on assets |
1.28 |
1.21 |
1.12 |
1.17 |
1.35 |
1.37 |
1.34 |
1.46 |
| Return on assets |
0.98 |
0.97 |
0.76 |
0.84 |
1.04 |
1.13 |
1.16 |
1.01 |
| Return on equity |
8.75 |
8.68 |
6.78 |
7.56 |
9.21 |
10.24 |
10.52 |
8.73 |
| Net charge-offs to loans and leases |
0.10 |
0.20 |
0.09 |
0.09 |
0.10 |
0.09 |
0.14 |
0.04 |
| Loan and lease loss provision |
| to net charge-offs |
177.76 |
113.23 |
177.58 |
160.85 |
125.81 |
197.28 |
191.54 |
307.28 |
| Efficiency ratio |
67.23 |
68.05 |
67.44 |
71.13 |
68.01 |
64.81 |
66.31 |
66.25 |
| Net interest income to operating revenue |
78.83 |
77.74 |
82.23 |
78.63 |
72.98 |
80.09 |
79.71 |
78.56 |
| % of unprofitable institutions |
5.12 |
10.01 |
5.16 |
8.83 |
6.16 |
3.33 |
3.68 |
6.47 |
| % of institutions with earnings gains |
61.60 |
56.32 |
60.24 |
64.25 |
58.77 |
58.74 |
65.41 |
67.39 |
| * See Table V-A for explanations. |
