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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 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) 127,772 669 9,359 13,389 39,376 64,978 19,829 26,517 26,582 29,125 8,016 17,702
Commercial banks 117,345 585 8,000 11,518 32,265 64,978 17,537 25,982 25,589 28,761 6,970 12,507
Savings institutions 10,426 85 1,360 1,871 7,111 0 2,292 535 993 365 1,046 5,195
Performance Ratios (annualized, %)
Yield on earning assets 3.48 4.12 4.13 4.01 3.97 2.98 3.47 3.61 2.78 3.62 3.96 4.07
Cost of funding earning assets 0.36 0.44 0.46 0.42 0.44 0.29 0.43 0.31 0.30 0.41 0.32 0.39
Net interest margin 3.11 3.68 3.68 3.58 3.53 2.69 3.03 3.31 2.48 3.22 3.64 3.68
Noninterest income to assets 1.55 1.17 1.20 1.21 1.53 1.69 1.34 1.46 1.89 1.35 1.41 1.93
Noninterest expense to assets 2.57 3.39 3.16 2.83 2.65 2.39 2.53 2.58 2.56 2.41 3.08 2.73
Loan and lease loss provision to assets 0.29 0.11 0.12 0.20 0.48 0.23 0.31 0.36 0.15 0.29 0.25 0.44
Net operating income to assets 1.03 0.92 1.06 1.05 1.07 1.00 0.85 1.01 0.97 1.07 1.08 1.43
Pretax return on assets 1.51 1.10 1.37 1.51 1.64 1.47 1.23 1.51 1.40 1.57 1.44 2.21
Return on assets 1.04 0.95 1.09 1.07 1.08 1.01 0.85 1.03 0.98 1.09 1.10 1.43
Return on equity 9.29 7.39 9.56 9.08 8.91 9.56 7.13 8.37 9.48 10.77 9.89 11.87
Net charge-offs to loans and leases 0.45 0.15 0.11 0.21 0.62 0.46 0.48 0.53 0.27 0.51 0.30 0.55
Loan and lease loss provision to net charge-offs 117.54 118.44 158.99 137.77 123.39 106.94 117.11 117.79 116.46 107.01 131.86 132.10
Efficiency ratio 58.29 74.19 68.25 61.98 55.18 57.83 61.40 57.53 61.87 55.74 64.29 50.34
% of unprofitable institutions 3.98 8.68 2.57 0.81 0.96 0.00 5.34 6.29 4.97 2.47 2.66 3.99
% of institutions with earnings gains 63.46 54.31 65.56 73.91 67.31 60.00 63.20 66.07 63.17 61.00 63.36 68.96
Condition Ratios (%)
Earning assets to total assets 90.14 92.19 92.89 92.16 91.46 88.60 89.37 89.67 89.38 89.92 91.95 93.67
Loss Allowance to:
Loans and leases 1.32 1.42 1.31 1.15 1.38 1.33 1.24 1.37 1.30 1.37 1.25 1.35
Noncurrent loans and leases 91.09 105.90 127.57 117.99 111.11 72.41 107.84 81.98 85.41 75.09 94.67 172.52
Noncurrent assets plus other real estate owned to assets 0.88 1.19 1.02 0.84 0.82 0.89 0.70 1.07 0.81 1.04 1.04 0.53
Equity capital ratio 11.22 13.15 11.47 11.80 12.18 10.50 12.03 12.39 10.18 10.08 11.22 12.05
Core capital (leverage) ratio 9.55 12.72 11.02 10.46 10.34 8.69 9.93 9.64 9.10 8.85 10.02 10.93
Common equity tier 1 capital ratio 12.86 20.19 15.39 13.49 12.87 12.29 12.97 12.76 12.69 11.98 13.12 15.03
Tier 1 risk-based capital ratio 12.95 20.23 15.44 13.51 13.05 12.34 13.12 12.86 12.75 11.99 13.22 15.20
Total risk-based capital ratio 14.31 21.30 16.56 14.54 14.66 13.64 14.58 14.35 13.90 13.47 14.35 16.38
Net loans and leases to deposits 71.19 70.73 80.11 87.11 80.40 61.20 72.24 74.05 65.23 69.69 77.90 74.78
Net loans and leases to total assets 54.34 58.96 66.46 69.04 61.29 45.81 54.37 57.97 48.20 51.86 63.82 60.28
Domestic deposits to total assets 68.35 83.36 82.95 78.97 74.32 60.75 67.95 75.33 64.75 56.78 81.80 79.76
Structural Changes
New reporters 0 0 0 0 0 0 0 0 0 0 0 0
Institutions absorbed by mergers 186 65 102 18 1 0 27 27 44 40 31 17
Failed institutions 5 4 1 0 0 0 1 1 1 0 2 0
PRIOR FIRST THREE QUARTERS
(The way it was...)
Number of institutions
2015
6,270 1,752 3,812 596 102 8 780 778 1,351 1,559 1,319 483
2013 6,891 2,116 4,107 561 100 7 854 875 1,480 1,675 1,454 553
2011 7,437 2,491 4,279 561 99 7 924 974 1,563 1,792 1,555 629
Total assets (in billions)
2015
$15,800.1 $102.7 $1,194.8 $1,642.8 $5,053.2 $7,806.6 $3,018.8 $3,324.0 $3,531.9 $3,436.7 $940.8 $1,548.0
2013 14,603.6 123.5 1,245.5 1,453.0 4,726.0 7,055.7 2,876.9 2,981.8 3,398.6 3,166.6 864.0 1,315.8
2011 13,811.9 142.9 1,273.4 1,425.1 4,398.0 6,572.7 2,842.2 2,954.3 3,169.9 2,901.9 801.8 1,141.7
Return on assets (%)
2015
1.05 0.89 1.01 1.15 1.01 1.06 0.90 1.03 0.94 1.18 1.12 1.28
2013 1.06 0.76 0.92 1.18 1.03 1.08 0.82 1.03 0.91 1.26 1.12 1.54
2011 0.92 0.54 0.59 0.85 1.13 0.87 1.07 0.61 0.81 0.98 0.97 1.47
Net charge-offs to loans & leases (%)
2015
0.42 0.15 0.13 0.21 0.53 0.46 0.46 0.48 0.26 0.50 0.20 0.49
2013 0.72 0.30 0.34 0.38 0.94 0.73 0.97 0.69 0.50 0.91 0.33 0.58
2011 1.61 0.58 0.85 1.17 2.04 1.63 1.97 1.73 1.19 1.94 0.87 1.18
Noncurrent assets plus OREO to assets (%)
2015
0.99 1.30 1.20 0.99 0.74 1.12 0.76 1.19 0.96 1.22 1.07 0.53
2013 1.75 1.83 1.98 1.96 1.10 2.09 1.20 2.48 1.54 2.08 1.72 1.03
2011 2.66 2.39 3.18 3.26 1.96 2.90 1.79 3.81 2.40 2.77 2.75 2.17
Equity capital ratio (%)
2015
11.33 12.83 11.35 11.92 12.19 10.63 11.99 12.44 10.35 10.28 11.26 12.28
2013 11.11 11.82 10.83 11.76 12.44 10.12 12.00 12.30 9.13 10.64 10.87 12.85
2011 11.30 11.98 10.80 11.85 12.97 10.14 12.55 12.18 8.62 11.18 11.15 13.71

*REGIONS:

Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia
Chicago: Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin
Dallas: Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas
Kansas City: Iowa, Kansas, Minnesota, Missouri, North Dakota, Nebraska, South Dakota
New York: Connecticut, District of Columbia, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico, Virgin Islands
San Francisco: Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

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