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Federal Deposit
Insurance Corporation

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

Quarterly Banking Profile

Table IV-B. Third Quarter 2016, FDIC-Insured Community Banks
  All Community Banks Third Quarter 2016
3rd Quarter 2016 2nd Quarter 2016 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.05 4.04 3.83 4.17 3.94 4.14 4.26 4.14
Cost of funding earning assets 0.47 0.46 0.57 0.47 0.44 0.49 0.41 0.34
Net interest margin 3.58 3.58 3.26 3.71 3.50 3.65 3.85 3.80
Noninterest income to assets 1.00 0.97 0.71 1.00 1.38 0.97 0.97 1.14
Noninterest expense to assets 2.85 2.86 2.49 3.10 3.08 2.80 2.97 2.88
Loan and lease loss provision to assets 0.13 0.14 0.17 0.10 0.11 0.13 0.17 0.06
Net operating income to assets 1.03 0.99 0.75 0.92 1.10 1.20 1.16 1.24
Pretax return on assets 1.38 1.34 1.13 1.25 1.47 1.50 1.42 1.77
Return on assets 1.06 1.02 0.78 0.94 1.12 1.24 1.19 1.26
Return on equity 9.36 9.06 6.96 8.30 9.84 10.96 10.63 10.97
Net charge-offs to loans and leases 0.15 0.13 0.24 0.13 0.13 0.10 0.18 0.01
Loan and lease loss provision to net charge-offs 127.28 157.28 95.36 117.96 121.30 190.30 145.07 1538.04
Efficiency ratio 65.38 66.26 66.01 69.73 65.84 63.44 65.37 61.21
Net interest income to operating revenue 76.98 77.50 81.18 77.32 70.26 77.77 78.63 75.67
% of unprofitable institutions 4.75 4.80 5.49 8.21 5.93 2.77 3.42 5.31
% of institutions with earnings gains 60.15 59.98 63.11 63.43 61.40 58.42 56.43 63.97
* See Table V-A for explanations.

Last Updated 11/29/2016 Questions, Suggestions & Requests

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