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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-B. Full Year 2017, FDIC-Insured Savings Institutions
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
Greater
Than $10
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 752 169 452 117 14 330 63 195 49 77 38
Total assets (in billions) $1,196.6 $9.5 $170.7 $338.3 $678.1 $435.0 $103.3 $111.5 $41.2 $134.1 $371.5
Total deposits (in billions) 930.8 7.4 134.6 257.0 531.9 330.8 81.9 77.0 30.4 108.0 302.7
Net income (in millions) 12,608.4 46.5 1,549.3 2,842.5 8,170.2 3,126.7 597.3 1,223.7 383.0 1,386.3 5,891.4
% of unprofitable institutions 11.2 21.9 10.0 0.9 7.1 8.8 15.9 16.4 10.2 3.9 13.2
% of institutions with earnings gains 49.3 52.1 44.9 63.2 42.9 49.7 46.0 51.3 44.9 44.2 57.9
Performance ratios (%)
Yield on earning assets 4.41 3.89 3.98 3.84 4.80 3.73 2.84 3.86 3.86 4.56 5.78
Cost of funding earning assets 0.59 0.63 0.59 0.64 0.56 0.67 0.33 0.85 0.69 0.39 0.55
Net interest margin 3.82 3.26 3.39 3.20 4.24 3.06 2.51 3.01 3.18 4.17 5.23
Noninterest income to earning assets 1.78 3.33 2.29 1.02 2.00 0.79 0.50 3.21 1.43 2.35 2.66
Noninterest expense to earning assets 3.14 5.66 4.03 2.70 3.10 2.57 1.94 4.14 2.93 4.27 3.42
Loan and lease loss provision to assets 0.59 0.04 0.10 0.10 0.98 0.07 -0.06 0.15 0.14 0.59 1.60
Net operating income to assets 1.08 0.48 0.91 0.84 1.26 0.69 0.61 1.12 0.97 1.06 1.70
Pretax return on assets 1.76 0.81 1.46 1.37 2.06 1.17 1.11 1.81 1.42 1.55 2.77
Return on assets 1.10 0.48 0.93 0.87 1.27 0.73 0.64 1.12 0.97 1.06 1.70
Return on equity 10.15 2.82 7.17 7.45 13.01 6.13 6.52 9.38 7.95 10.55 17.81
Net charge-offs to loans and leases 0.77 0.07 0.10 0.10 1.52 0.07 -0.03 0.26 0.19 0.90 2.88
Loan and lease loss provision to net charge-offs 127.67 96.21 148.77 138.06 126.73 141.60 377.97 79.84 109.85 104.86 134.47
Efficiency ratio 55.53 85.92 70.81 63.56 48.91 66.41 63.79 66.41 62.09 64.26 42.88
Condition Ratios (%)
Earning assets to total assets 95.02 92.73 93.09 93.71 96.19 92.98 95.04 93.91 93.78 94.79 97.95
Loss allowance to:
Loans and leases 1.55 1.03 0.97 0.84 2.29 0.84 0.76 0.96 0.87 1.41 3.81
Noncurrent loans and leases 98.26 74.23 104.13 114.07 94.16 132.76 7.80 103.72 94.62 61.52 288.03
Noncurrent assets plus other real estate owned to assets 0.99 1.15 0.80 0.60 1.24 0.52 4.23 0.75 0.70 1.53 0.55
Noncurrent RE loans to RE loans 1.78 1.40 0.97 0.67 4.02 0.63 12.36 1.03 0.68 4.07 0.39
Equity capital ratio 10.75 17.31 13.00 11.75 9.60 12.00 10.16 11.90 11.98 10.08 9.23
Core capital (leverage) ratio 10.34 17.05 12.78 11.20 9.18 11.02 9.49 11.53 10.95 10.00 9.46
Common equity tier 1 capital ratio 16.34 32.91 19.34 15.67 15.66 15.15 22.91 18.24 17.56 14.93 16.59
Tier 1 risk-based capital ratio 16.38 32.91 19.34 15.67 15.73 15.15 22.91 18.24 17.56 15.25 16.59
Total risk-based capital ratio 17.30 33.93 20.41 16.59 16.62 16.09 23.67 19.26 18.35 16.36 17.44
Gross real estate assets to gross assets 60.34 68.05 72.54 72.08 51.35 73.52 76.81 69.53 68.80 42.01 43.44
Gross 1-4 family mortgages to gross assets 21.99 48.39 40.32 32.93 11.60 28.80 25.26 44.69 38.32 16.29 6.69
Net loans and leases to deposits 75.57 81.47 90.58 95.44 62.09 97.33 53.24 104.86 91.39 76.44 48.48
Structural Changes (YTD)
New reporters 0 0 0 0 0 0 0 0 0 0 0
Thrifts absorbed by mergers 34 8 21 3 2 19 2 6 4 2 1
Failed Thrifts 2 0 1 1 0 0 0 2 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2016
801 187 483 115 16 350 69 208 54 82 38
2014 902 231 544 111 16 391 77 230 69 91 44
2012 1,011 254 628 111 18 423 92 257 84 102 53
Total assets (in billions)
2016
$1,151.9 $10.6 $177.0 $317.5 $646.9 $438.4 $83.2 $112.1 $59.6 $125.3 $333.2
2014 1,079.1 13.4 196.4 287.9 581.4 474.5 86.8 106.1 59.6 106.9 245.2
2012 1,062.9 14.4 218.2 283.2 547.2 466.2 90.9 116.6 58.9 100.4 229.8
Return on assets (%)
2016
1.26 1.07 1.07 0.85 1.52 0.72 0.88 1.23 0.84 1.21 2.20
2014 1.16 0.78 0.88 0.84 1.41 0.66 0.84 1.03 0.81 1.27 2.38
2012 1.06 0.54 0.54 0.95 1.35 0.65 0.54 0.89 0.78 1.02 2.36
Net charge-offs to loans & leases (%)
2016
0.62 0.11 0.08 0.10 1.17 0.08 0.03 0.27 0.13 0.83 2.29
2014 0.54 0.19 0.17 0.15 0.94 0.12 0.33 0.38 0.13 0.74 1.95
2012 0.96 0.42 0.64 0.57 1.35 0.31 2.01 1.34 1.23 1.05 1.85
Noncurrent assets plus OREO to assets (%)
2016
1.10 1.30 0.83 0.69 1.37 0.64 5.42 0.96 0.44 1.81 0.51
2014 1.49 1.58 1.32 2.00 1.29 1.06 4.70 2.29 0.83 2.50 0.55
2012 2.37 2.34 2.23 2.64 2.30 1.68 4.51 4.03 1.37 3.66 1.79
Equity capital ratio (%)
2016
10.85 17.04 12.65 11.79 9.80 11.80 9.74 11.89 10.83 10.41 9.70
2014 11.75 16.01 12.67 12.46 10.99 12.04 12.46 12.82 12.01 10.78 10.82
2012 11.93 15.15 12.25 11.96 11.71 11.94 12.17 11.72 12.04 10.65 12.48

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