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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. Full Year 2017, FDIC-Insured Commercial Banks
FULL YEAR
(The way it is...)
All
Institutions
Asset Size Distribution Geographic Regions
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
to
$250Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 4,918 1,238 3,061 510 100 9 363 605 1,019 1,389 1,158 384
Total assets (in billions) $16,219.7 $74.2 $983.5 $1,413.4 $5,021.0 $8,727.6 $2,812.9 $3,497.7 $3,806.6 $3,642.9 $955.9 $1,504
Total deposits (in billions) 12,468.2 62.6 827.2 1,133.1 3,808.1 6,637.2 2,131.6 2,746.4 2,851.1 2,788.8 781.0 1,169.4
Net income (in millions) 152,185 640 10,151 14,868 49,246 77,281 23,725 34,556 37,288 27,974 10,297 18,343
% of unprofitable institutions 4.5 9.1 3.2 2.0 2.0 0.0 6.1 8.6 3.6 3.0 4.2 5.2
% of institutions with earnings gains 57.2 54.0 57.6 60.4 67.0 66.7 52.3 54.5 58.2 55.7 60.5 58.6
Performance ratios (%)
Yield on earning assets 3.68 4.22 4.29 4.22 4.12 3.26 3.87 3.88 2.97 3.82 4.03 4.06
Cost of funding earning assets 0.47 0.44 0.48 0.47 0.55 0.42 0.58 0.41 0.39 0.55 0.39 0.47
Net interest margin 3.21 3.78 3.81 3.75 3.58 2.83 3.29 3.47 2.58 3.27 3.64 3.59
Noninterest income to earning assets 1.66 1.00 1.06 1.43 1.63 1.78 1.61 1.65 2.03 1.39 1.34 1.65
Noninterest expense to earning assets 2.86 3.50 3.26 3.09 2.93 2.74 2.90 2.91 2.84 2.79 3.11 2.79
Loan and lease loss provision to assets 0.28 0.15 0.14 0.23 0.44 0.21 0.44 0.36 0.13 0.27 0.15 0.27
Net operating income to assets 0.95 0.87 1.05 1.09 1.01 0.89 0.88 1.01 0.99 0.75 1.13 1.26
Pretax return on assets 1.53 1.04 1.37 1.69 1.62 1.47 1.34 1.62 1.46 1.44 1.58 2.03
Return on assets 0.96 0.87 1.06 1.10 1.01 0.90 0.87 1.01 0.99 0.77 1.13 1.28
Return on equity 8.53 7.04 9.64 9.37 8.14 8.53 7.05 8.28 9.62 7.76 9.91 10.27
Net charge-offs to loans and leases 0.48 0.23 0.16 0.26 0.62 0.47 0.69 0.62 0.27 0.51 0.19 0.33
Loan and lease loss provision to net charge-offs 106.84 110.02 125.83 130.74 115.77 94.37 120.55 99.81 94.93 102.05 115.00 122.05
Efficiency ratio 58.15 72.95 66.72 58.98 55.42 58.58 58.20 56.16 61.20 58.63 61.84 52.53
Condition Ratios (%)
Earning assets to total assets 90.16 92.30 93.03 92.02 90.48 89.34 89.61 89.59 89.35 90.49 91.31 93.05
Loss allowance to:
Loans and leases 1.25 1.44 1.30 1.16 1.29 1.24 1.39 1.30 1.17 1.32 1.07 1.07
Noncurrent loans and leases 107.18 122.11 149.01 147.66 136.59 83.87 119.58 112.43 96.45 86.00 123.00 182.31
Noncurrent assets plus other real estate owned to assets 0.70 0.99 0.83 0.67 0.63 0.73 0.67 0.73 0.64 0.86 0.71 0.43
Equity capital ratio 11.25 12.46 11.00 11.84 12.47 10.48 12.40 12.12 10.38 9.97 11.69 12.16
Core capital (leverage) ratio 9.57 12.38 10.80 10.60 10.54 8.69 10.19 9.55 9.07 8.89 10.24 11.01
Common equity tier 1 capital ratio 12.90 19.27 14.73 13.46 12.89 12.54 13.01 12.64 12.83 12.38 12.94 14.70
Tier 1 risk-based capital ratio 12.98 19.31 14.76 13.47 13.07 12.57 13.09 12.75 12.87 12.44 13.01 14.87
Total risk-based capital ratio 14.40 20.38 15.86 14.49 14.58 14.03 14.51 14.12 14.09 14.32 14.08 16.00
Net loans and leases to deposits 71.33 69.27 79.80 86.21 81.32 62.03 70.00 73.67 64.99 68.33 79.79 85.28
Structural Changes (YTD)
New reporters 5 3 1 1 0 0 0 1 0 0 3 1
Banks absorbed by mergers 196 47 116 32 1 0 15 40 46 38 38 19
Failed banks 6 3 2 1 0 0 1 0 2 1 1 1
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2016
5,112 1,354 3,154 506 89 9 374 651 1,063 1,431 1,186 407
2014 5,607 1,640 3,413 463 82 9 416 735 1,176 1,530 1,281 469
2012 6,072 1,950 3,589 444 81 8 450 812 1,258 1,632 1,388 532
Total assets (in billions)
2016
$15,627.7 $80.9 $996.9 $1,444.3 $4,658.8 $8,446.8 $2,658.1 $3,424.1 $3,672.2 $3,574.2 $885.4 $1,413.7
2014 14,474.7 96.4 1,035.7 1,288.6 3,952.8 8,101.3 2,481.9 3,131.1 3,489.8 3,344.4 797.5 1,230.0
2012 13,387.5 113.7 1,056.8 1,171.5 3,921.5 7,123.9 2,429.8 2,965.2 3,181.4 3,009.8 770.0 1,031.2
Return on assets (%)
2016
1.03 0.87 1.08 1.05 1.00 1.03 0.89 1.03 0.99 1.10 1.00 1.22
2014 1.00 0.79 1.02 1.14 1.04 0.95 0.86 1.01 0.87 1.07 1.12 1.32
2012 1.00 0.69 0.86 1.17 1.10 0.94 1.02 0.77 0.90 1.11 1.01 1.59
Net charge-offs to loans & leases (%)
2016
0.46 0.22 0.15 0.28 0.57 0.47 0.62 0.55 0.27 0.54 0.23 0.33
2014 0.49 0.24 0.24 0.30 0.55 0.54 0.67 0.54 0.36 0.61 0.15 0.24
2012 1.11 0.44 0.64 0.77 1.29 1.17 1.48 1.17 0.83 1.37 0.48 0.66
Noncurrent assets plus OREO to assets (%)
2016
0.84 1.07 0.98 0.87 0.70 0.90 0.71 0.93 0.78 1.01 0.95 0.53
2014 1.17 1.44 1.39 1.27 0.77 1.32 0.86 1.46 1.07 1.47 1.00 0.67
2012 2.18 2.07 2.40 2.42 1.28 2.61 1.42 3.20 1.92 2.47 1.84 1.29
Equity capital ratio (%)
2016
11.12 12.13 10.88 11.50 12.16 10.50 12.16 12.11 10.27 9.86 11.00 12.28
2014 11.10 11.77 10.92 11.77 12.60 10.28 11.77 12.45 9.71 10.17 11.09 12.80
2012 11.11 11.61 10.62 11.72 12.46 10.32 12.22 12.02 9.00 10.84 10.70 13.40

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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