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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

TABLE IV-A.First Three Quarters 2016, All FDIC-Insured Institutions
FIRST THREE QUARTERS
(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) 127,772 8,604 27,208 2,521 40,744 2,767 1,513 1,041 729 42,645
Commercial banks 117,345 7,343 27,208 2,446 35,615 1,360 883 490 654 41,346
Savings institutions 10,426 1,261 0 75 5,129 1,407 629 550 75 1,299
Performance Ratios (annualized, %)
Yield on earning assets 3.48 11.38 2.70 4.16 3.68 3.20 4.08 2.97 3.99 3.04
Cost of funding earning assets 0.36 1.15 0.35 0.47 0.40 0.43 0.45 0.33 0.40 0.24
Net interest margin 3.11 10.24 2.34 3.69 3.28 2.77 3.63 2.65 3.58 2.80
Noninterest income to assets 1.55 2.71 1.80 0.67 1.33 1.01 1.49 6.51 0.95 1.54
Noninterest expense to assets 2.57 5.47 2.36 2.54 2.73 2.26 2.86 5.48 3.03 2.27
Loan and lease loss provision to assets 0.29 3.07 0.20 0.14 0.18 -0.06 0.55 0.04 0.10 0.24
Net operating income to assets 1.03 2.31 0.89 1.21 0.98 0.96 1.00 2.50 0.92 1.05
Pretax return on assets 1.51 3.58 1.30 1.46 1.41 1.48 1.58 3.49 1.19 1.59
Return on assets 1.04 2.31 0.90 1.24 0.99 0.99 1.01 2.56 0.96 1.08
Return on equity 9.29 15.56 9.09 10.86 8.26 8.67 10.01 16.82 8.04 9.64
Net charge-offs to loans and leases 0.45 3.21 0.53 0.11 0.20 0.05 0.65 0.16 0.18 0.42
Loan and lease loss provision to net charge-offs 117.54 124.75 105.93 186.70 128.74 -187.63 118.29 89.64 100.62 112.14
Efficiency ratio 58.29 44.39 60.72 61.45 62.89 61.95 56.53 61.32 70.66 54.71
% of unprofitable institutions 3.98 0.00 0.00 1.78 4.08 7.74 1.61 4.93 5.99 1.67
% of institutions with earnings gains 63.46 38.46 60.00 60.30 67.91 57.11 58.06 54.28 58.05 78.33
Condition Ratios (%)
Earning assets to total assets 90.14 91.75 87.50 93.24 90.84 95.11 97.10 91.58 92.76 90.44
Loss Allowance to:
Loans and leases 1.32 3.92 1.50 1.41 1.11 0.79 1.17 1.57 1.33 1.21
Noncurrent loans and leases 91.09 304.34 93.49 144.47 104.44 29.24 99.94 109.89 106.46 63.86
Noncurrent assets plus other real estate owned to assets 0.88 1.01 0.62 0.79 0.88 1.78 0.87 0.59 1.00 1.01
Equity capital ratio 11.22 15.17 9.79 11.61 11.98 11.33 10.00 15.46 12.01 11.10
Core capital (leverage) ratio 9.55 12.68 8.72 10.98 10.12 11.14 9.93 14.35 11.64 9.01
Common equity tier 1 capital ratio 12.86 12.15 13.22 14.58 12.29 22.65 16.39 31.74 19.67 12.46
Tier 1 risk-based capital ratio 12.95 12.28 13.25 14.59 12.42 22.70 16.62 31.75 19.71 12.53
Total risk-based capital ratio 14.31 14.53 14.17 15.71 13.81 23.56 17.59 32.65 20.95 14.09
Net loans and leases to deposits 71.19 144.57 49.07 81.40 87.38 77.25 83.08 34.33 66.56 64.22
Net loans and leases to total assets 54.34 75.55 35.41 66.72 68.71 61.96 69.45 27.49 55.97 50.30
Domestic deposits to total assets 68.35 50.80 47.56 81.96 78.34 80.20 83.59 80.09 84.10 72.90
Structural Changes
New reporters 0 0 0 0 0 0 0 0 0 0
Institutions absorbed by mergers 186 0 0 26 137 8 1 3 10 1
Failed institutions 5 0 0 0 4 0 0 0 1 0
PRIOR FIRST THREE QUARTERS
(The way it was...)
Number of institutions
2015
6,270 14 4 1,494 3,125 515 56 337 663 62
2013 6,891 17 4 1,536 3,433 597 47 400 791 66
2011 7,437 18 5 1,552 3,854 714 71 363 801 59
Total assets (in billions)
2015
$15,800.1 $519.5 $3,836.6 $274.8 $5,508.9 $416.3 $184.3 $54.9 $118.3 $4,886.7
2013 14,603.6 596.3 3,729.4 243.9 4,773.6 554.0 149.3 63.9 137.9 4,355.3
2011 13,811.9 532.0 3,665.3 208.5 4,170.5 798.3 98.9 54.0 136.4 4,148.1
Return on assets (%)
2015
1.05 2.91 0.88 0.91 0.99 0.74 1.12 2.59 0.50 1.08
2013 1.06 3.26 0.83 1.19 0.91 0.98 1.28 1.74 0.87 1.10
2011 0.92 3.62 0.81 1.14 0.71 0.60 1.75 1.80 0.92 0.89
Net charge-offs to loans & leases (%)
2015
0.42 2.72 0.56 0.08 0.19 0.13 0.58 0.18 0.17 0.38
2013 0.72 3.21 1.03 0.11 0.44 0.37 0.77 0.61 0.32 0.51
2011 1.61 5.58 2.07 0.36 1.21 0.90 1.78 0.48 0.50 1.30
Noncurrent assets plus OREO to assets (%)
2015
0.99 0.83 0.72 0.75 0.96 1.95 1.00 0.70 1.16 1.19
2013 1.75 0.90 1.13 0.98 1.81 2.16 0.66 0.95 1.56 2.37
2011 2.66 1.41 1.59 1.59 3.19 2.68 1.13 0.99 1.87 3.36
Equity capital ratio (%)
2015
11.33 14.83 9.98 11.49 11.81 11.63 10.22 15.50 12.10 11.42
2013 11.11 14.89 8.80 11.01 11.81 11.40 9.64 13.71 11.34 11.77
2011 11.30 15.79 8.81 11.50 11.93 10.61 9.86 15.50 11.68 12.37

*Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive):

Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.
International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices.
Agricultural Banks - Banks whose agricultural production loans plus real estate loans secured by farmland exceed 25 percent of total loans and leases.
Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties exceed 25 percent of total assets.
Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets.
Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets.
Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets.
All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.
All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.

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