Skip Header

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 Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
To
$250 Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 5,980 1,589 3,656 621 104 10 731 731 1,287 1,500 1,280 451
Commercial banks 5,170 1,397 3,169 506 88 10 379 661 1,075 1,444 1,198 413
Savings institutions 810 192 487 115 16 0 352 70 212 56 82 38
Total assets (in billions) $16,766.6 $94.1 $1,171.8 $1,741.0 $4,983.0 $8,776.7 $3,158.5 $3,478.0 $3,785.5 $3,644.3 $1,001.6 $1,698.8
Commercial banks 15,637.2 83.1 993.1 1,427.6 4,356.6 8,776.7 2,725.0 3,393.5 3,672.9 3,585.3 878.8 1,381.7
Savings institutions 1,129.4 10.9 178.7 313.4 626.4 0.0 433.5 84.5 112.6 59.0 122.8 317.1
Total deposits (in billions) 12,798.8 78.4 972.2 1,379.9 3,798.8 6,569.5 2,377.3 2,722.8 2,797.1 2,711.7 820.5 1,369.4
Commercial banks 11,907.5 69.9 830.5 1,141.5 3,296.0 6,569.5 2,051.4 2,655.5 2,715.8 2,665.6 718.7 1,100.4
Savings institutions 891.3 8.5 141.6 238.4 502.8 0.0 325.9 67.4 81.3 46.1 101.8 268.9
Bank net income (in millions) 45,593 226 3,282 4,755 13,475 23,854 6,793 10,833 9,274 9,944 2,867 5,883
Commercial banks 42,234 199 2,789 4,078 11,315 23,854 5,983 10,634 8,912 9,812 2,491 4,402
Savings institutions 3,359 28 494 677 2,160 0 810 199 361 132 376 1,481
Performance Ratios (annualized, %)
Yield on earning assets 3.55 4.16 4.16 4.04 3.99 3.09 3.52 3.88 2.78 3.64 3.99 4.10
Cost of funding earning assets 0.37 0.44 0.46 0.43 0.45 0.29 0.44 0.31 0.30 0.42 0.33 0.40
Net interest margin 3.18 3.71 3.69 3.61 3.54 2.80 3.08 3.57 2.48 3.22 3.66 3.70
Noninterest income to assets 1.55 1.23 1.26 1.26 1.51 1.68 1.34 1.49 1.91 1.33 1.46 1.81
Noninterest expense to assets 2.57 3.46 3.18 2.82 2.65 2.38 2.52 2.54 2.59 2.40 3.10 2.70
Loan and lease loss provision to assets 0.27 0.11 0.12 0.21 0.47 0.20 0.32 0.34 0.11 0.27 0.22 0.45
Net operating income to assets 1.09 0.93 1.10 1.09 1.08 1.09 0.86 1.25 0.99 1.07 1.15 1.38
Pretax return on assets 1.59 1.13 1.42 1.57 1.64 1.59 1.25 1.82 1.42 1.58 1.53 2.14
Return on assets 1.10 0.97 1.13 1.11 1.09 1.10 0.86 1.25 1.00 1.10 1.16 1.40
Return on equity 9.76 7.37 9.84 9.39 8.95 10.38 7.19 10.09 9.73 10.85 10.36 11.55
Net charge-offs to loans and leases 0.44 0.15 0.12 0.23 0.62 0.43 0.50 0.51 0.27 0.47 0.28 0.58
Loan and lease loss provision to net charge-offs 112.37 126.25 152.17 130.95 120.91 97.95 117.02 111.95 86.49 110.81 118.17 128.21
Efficiency ratio 57.45 74.23 67.64 60.96 55.13 56.46 60.73 53.45 62.53 55.74 63.66 50.87
% of unprofitable institutions 4.58 9.31 3.17 1.45 0.96 0.00 5.34 7.52 5.75 2.73 3.36 4.88
% of institutions with earnings gains 60.80 51.98 61.82 75.20 73.08 70.00 63.47 64.02 61.77 58.60 57.42 65.41
Structural Changes
New reporters 0 0 0 0 0 0 0 0 0 0 0 0
Institutions absorbed by mergers 71 29 33 8 1 0 9 10 13 18 14 7
Failed institutions 2 2 0 0 0 0 0 1 0 0 1 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2015
1.03 0.95 1.05 1.10 1.00 1.02 0.89 1.02 0.92 1.16 1.15 1.18
2013 0.99 0.73 0.92 1.16 1.11 0.90 1.06 0.94 0.53 1.25 1.06 1.54
2011 1.03 0.61 0.65 0.91 1.11 1.09 0.97 0.76 0.96 1.26 1.06 1.46
Net charge-offs to loans and leases (%)
2015
0.40 0.16 0.15 0.22 0.52 0.42 0.43 0.44 0.27 0.46 0.24 0.51
2013 0.60 0.28 0.34 0.31 0.80 0.59 0.81 0.55 0.46 0.75 0.28 0.50
2011 1.46 0.63 0.92 1.00 1.89 1.42 1.79 1.70 1.02 1.66 0.88 1.05
* See Table IV-A (page 9) for explanations.

Skip Footer back to content