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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. 4th Quarter 2017, FDIC-Insured Commercial Banks
4TH QUARTER
(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 $1,503.7
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) 22,808.6 122.4 2,171.2 2,540.7 8,985.3 8,989.0 4,137.5 6,042.5 7,887.8 -910.9 2,190.3 3,461.4
% of unprofitable institutions 14.0 20.2 11.7 12.4 16.0 22.2 21.8 23.8 11.4 10.9 11.7 16.7
% of institutions with earnings gains 47.7 53.7 47.5 36.9 37.0 33.3 33.3 39.2 47.6 52.8 53.4 39.3
Performance Ratios (annualized, %)
Yield on earning assets 3.80 4.29 4.37 4.29 4.33 3.34 4.02 3.97 3.10 3.88 4.11 4.35
Cost of funding earning assets 0.53 0.46 0.51 0.52 0.63 0.48 0.65 0.47 0.45 0.59 0.43 0.56
Net interest margin 3.27 3.83 3.85 3.78 3.70 2.86 3.37 3.50 2.65 3.28 3.68 3.78
Noninterest income to earning assets 1.59 1.02 1.04 1.37 1.64 1.67 1.53 1.64 1.91 1.32 1.26 1.62
Noninterest expense to earning assets 3.00 3.71 3.32 3.16 3.08 2.89 3.00 2.96 2.93 3.06 3.12 3.11
Loan and lease loss provision to assets 0.29 0.17 0.14 0.24 0.45 0.23 0.48 0.36 0.13 0.29 0.14 0.30
Net operating income to assets 0.57 0.68 0.89 0.73 0.73 0.42 0.60 0.72 0.83 -0.11 0.93 0.93
Pretax return on assets 1.37 0.87 1.32 1.59 1.58 1.22 1.21 1.56 1.32 1.12 1.52 1.83
Return on assets 0.57 0.66 0.89 0.73 0.72 0.41 0.60 0.69 0.83 -0.10 0.93 0.94
Return on equity 5.01 5.29 8.03 6.12 5.79 3.92 4.78 5.71 7.99 -1.00 7.95 7.62
Net charge-offs to loans and leases 0.52 0.32 0.23 0.33 0.66 0.51 0.76 0.71 0.26 0.56 0.23 0.38
Loan and lease loss provision to net charge-offs 100.99 89.80 88.96 105.78 108.89 93.61 115.77 88.21 101.95 97.39 93.14 117.02
Efficiency ratio 60.98 76.30 67.63 60.13 56.67 63.08 60.03 57.01 63.77 64.91 62.59 56.29
Structural Changes (QTR)
New reporters 1 0 1 0 0 0 0 0 0 0 1 0
Banks absorbed by mergers 52 6 34 11 1 0 4 11 6 8 11 12
Failed banks 1 1 0 0 0 0 0 0 0 1 0 0
PRIOR FOURTH QUARTERS
(The way it was...)
Return on assets (%)
2016
1.02 0.64 1.03 0.85 1.00 1.06 0.89 0.99 1.07 1.09 0.72 1.19
2014 0.93 0.68 1.02 1.13 1.06 0.82 0.82 1.02 0.82 0.87 1.10 1.27
2012 0.96 0.52 0.72 1.01 1.17 0.87 0.98 0.83 0.89 1.01 0.93 1.38
Net charge-offs to loans & leases (%)
2016
0.51 0.39 0.25 0.41 0.65 0.49 0.73 0.59 0.30 0.60 0.25 0.40
2014 0.48 0.30 0.35 0.28 0.53 0.52 0.62 0.50 0.39 0.62 0.21 0.21
2012 0.99 0.57 0.78 0.78 1.15 0.97 1.29 1.17 0.62 1.18 0.55 0.58

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