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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

Table V-B. Full Year 2017, FDIC-Insured Community Banks
Performance Ratios (%) All Community Banks Full Year 2017, Geographic Regions*
Full Year 2017 Full Year 2016 New
York
Atlanta Chicago Kansas
City
Dallas San
Francisco
Yield on earning assets 4.14 4.04 3.95 4.23 4.05 4.20 4.32 4.26
Cost of funding earning assets 0.52 0.47 0.62 0.49 0.49 0.54 0.46 0.40
Net interest margin 3.62 3.57 3.33 3.74 3.56 3.67 3.87 3.86
Noninterest income to assets 0.88 0.95 0.66 0.91 1.23 0.86 0.92 0.73
Noninterest expense to assets 2.77 2.85 2.48 3.01 2.96 2.74 2.93 2.72
Loan and lease loss provision to assets 0.15 0.15 0.20 0.11 0.10 0.15 0.17 0.08
Net operating income to assets 0.95 0.96 0.68 0.80 1.09 1.13 1.13 1.01
Pretax return on assets 1.35 1.30 1.14 1.25 1.48 1.41 1.41 1.57
Return on assets 0.96 0.99 0.70 0.80 1.09 1.14 1.14 1.02
Return on equity 8.67 8.81 6.27 7.29 9.77 10.21 10.33 9.08
Net charge-offs to loans and leases 0.16 0.16 0.20 0.13 0.13 0.15 0.22 0.05
Loan and lease loss provision to net charge-offs 130.69 145.51 132.82 126.13 115.06 142.20 120.61 221.05
Efficiency ratio 64.84 66.13 65.01 68.67 64.85 63.53 64.76 62.11
Net interest income to operating revenue 79.36 77.85 82.62 79.18 72.97 79.83 79.64 83.15
% of unprofitable institutions 5.49 4.63 7.65 9.48 5.76 3.39 4.24 6.38
% of institutions with earnings gains 55.71 64.24 50.25 52.94 56.42 55.38 58.53 59.88
*See Table V-A for explanation.