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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

TABLE III-A. Third Quarter 2016, All FDIC-Insured Institutions
Third Quarter
(The way it is...)
All Insured
Institutions
Asset Concentration Groups*
Credit Card
Institutions
International
Banks
Agricultural
Banks
Commercial
Lenders
Mortgage
Lenders
Consumer
Lenders
Other
Specialized
< $1 Billion
All Other
< $1 Billion
All Other
> $1 Billion
Number of institutions reporting 5,980 13 5 1,461 3,013 478 62 304 584 60
Commercial banks 5,170 12 5 1,444 2,708 116 47 278 506 54
Savings institutions 810 1 0 17 305 362 15 26 78 6
Total assets (in billions) $16,766.6 $500.8 $4,145.8 $273.5 $5,678.8 $386.8 $205.5 $54.6 $103.3 $5,417.7
Commercial banks 15,637.2 431.2 4,145.8 267.4 5,186.5 145.7 100.1 49.7 86.8 5,223.9
Savings institutions 1,129.4 69.5 0.0 6.1 492.3 241.1 105.3 4.9 16.4 193.8
Total deposits (in billions) 12,798.8 261.7 2,992.1 224.1 4,465.5 310.2 171.8 43.8 86.8 4,242.9
Commercial banks 11,907.5 208.3 2,992.1 220.8 4,096.3 123.6 83.6 40.5 73.4 4,069.0
Savings institutions 891.3 53.4 0.0 3.3 369.2 186.7 88.2 3.3 13.4 173.9
Bank net income (in millions) 45,593 2,833 9,274 880 14,147 994 519 362 244 16,341
Commercial banks 42,234 2,336 9,274 845 12,741 459 297 177 218 15,888
Savings institutions 3,359 498 0 35 1,406 535 222 185 26 453
Performance Ratios (annualized, %)
Yield on earning assets 3.55 11.77 2.70 4.22 3.69 3.19 4.13 2.95 3.98 3.20
Cost of funding earning assets 0.37 1.22 0.36 0.49 0.40 0.43 0.46 0.32 0.41 0.25
Net interest margin 3.18 10.54 2.35 3.73 3.29 2.76 3.66 2.63 3.58 2.95
Noninterest income to assets 1.55 2.61 1.76 0.71 1.34 1.12 1.55 6.69 1.00 1.55
Noninterest expense to assets 2.57 5.46 2.37 2.57 2.74 2.28 2.93 5.52 3.09 2.23
Loan and lease loss provision to assets 0.27 3.30 0.17 0.13 0.17 -0.04 0.54 0.05 0.10 0.21
Net operating income to assets 1.09 2.26 0.89 1.26 1.00 1.01 1.02 2.58 0.91 1.21
Pretax return on assets 1.59 3.55 1.29 1.53 1.43 1.55 1.61 3.64 1.18 1.79
Return on assets 1.10 2.26 0.90 1.29 1.01 1.04 1.02 2.66 0.95 1.22
Return on equity 9.76 15.08 9.17 11.14 8.40 9.12 10.11 17.21 7.90 10.90
Net charge-offs to loans and leases 0.44 3.11 0.48 0.09 0.23 0.04 0.66 0.16 0.19 0.41
Loan and lease loss provision to net charge-offs 112.37 137.38 98.89 210.80 107.76 -165.92 116.37 104.23 94.59 98.68
Efficiency ratio 57.45 43.63 61.66 60.98 62.85 60.53 56.70 60.59 71.23 51.86
% of unprofitable institutions 4.58 0.00 0.00 1.85 5.04 7.11 0.00 5.92 7.19 1.67
% of institutions with earnings gains 60.80 53.85 80.00 55.65 65.78 56.07 66.13 54.61 53.25 73.33
Structural Changes
New reporters 0 0 0 0 0 0 0 0 0 0
Institutions absorbed by mergers 71 0 0 12 48 4 0 1 6 0
Failed institutions 2 0 0 0 1 0 0 0 1 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2015
1.03 2.83 0.84 0.37 1.00 0.57 1.08 2.55 0.76 1.08
2013 0.99 3.38 0.52 1.24 0.99 0.92 1.04 1.98 0.85 1.07
2011 1.03 3.04 1.07 1.28 0.77 0.76 2.08 2.12 1.06 0.99
Net charge-offs to loans and leases (%)
2015
0.40 2.61 0.49 0.08 0.20 0.12 0.58 0.19 0.18 0.37
2013 0.60 2.91 0.86 0.09 0.35 0.30 0.68 0.46 0.31 0.42
2011 1.46 5.07 1.68 0.41 1.14 0.77 1.56 0.27 0.54 1.27
* See Table IV-A (page 8) for explanations.

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