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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-B. Fourth Quarter 2017, FDIC-Insured Savings Institutions
FOURTH 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
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) 2,723.0 -104.4 295.8 558.8 1,972.7 610.0 120.1 257.9 97.6 174.4 1,463.1
% of unprofitable institutions 30.6 33.7 31.9 22.2 21.4 35.5 23.8 30.3 24.5 23.4 23.7
% of institutions with earnings gains 35.2 44.4 33.8 25.6 50.0 27.3 39.7 43.6 40.8 40.3 36.8
Performance Ratios (annualized, %)
Yield on earning assets 4.52 3.63 4.05 3.89 4.96 3.79 3.28 3.94 3.87 4.63 5.88
Cost of funding earning assets 0.65 0.63 0.62 0.69 0.63 0.71 0.47 0.91 0.72 0.41 0.62
Net interest margin 3.87 3.00 3.43 3.20 4.33 3.08 2.81 3.03 3.15 4.22 5.26
Noninterest income to earning assets 1.75 -7.92 2.42 1.02 2.09 0.80 0.53 3.48 1.20 2.31 2.52
Noninterest expense to earning assets 3.15 2.06 4.12 2.70 3.14 2.61 2.27 4.24 2.76 4.72 3.15
Loan and lease loss provision to assets 0.61 0.09 0.12 0.08 1.01 0.08 -0.08 0.15 0.08 0.61 1.65
Net operating income to assets 0.91 -4.34 0.68 0.65 1.17 0.53 0.44 0.93 0.98 0.52 1.62
Pretax return on assets 1.76 -6.54 1.51 1.36 2.14 1.15 1.15 1.98 1.38 1.12 2.87
Return on assets 0.92 -4.34 0.70 0.67 1.18 0.56 0.47 0.93 0.95 0.52 1.62
Return on equity 8.52 -24.93 5.35 5.66 12.23 4.68 4.65 7.78 7.96 5.18 17.33
Net charge-offs to loans and leases 0.86 0.00 0.13 0.11 1.69 0.08 0.00 0.26 0.28 1.02 3.14
Loan and lease loss provision to net charge-offs 119.25 3,573.77 127.88 98.54 119.83 131.25 25,950.00 76.99 42.97 96.01 127.61
Efficiency ratio 55.27 -41.82 70.25 63.44 48.23 66.79 66.78 65.03 62.58 70.35 40.04
Structural Changes (QTR)
New reporters 0 0 0 0 0 0 0 0 0 0 0
Thrifts absorbed by mergers 12 4 7 0 1 8 1 2 1 0 0
Failed Thrifts 1 0 1 0 0 0 0 1 0 0 0
PRIOR FOURTH QUARTERS
(The way it was...)
Return on assets (%)
2016
1.20 1.07 1.12 0.91 1.38 0.72 0.92 1.28 0.77 1.28 1.94
2014 1.18 0.62 0.94 0.84 1.44 0.66 0.77 1.27 0.76 1.11 2.44
2012 1.01 0.37 0.59 0.99 1.20 0.60 0.60 0.66 1.15 0.69 2.31
Net charge-offs to loans & leases (%)
2016
0.65 0.14 0.10 0.09 1.26 0.08 0.05 0.20 0.20 0.89 2.44
2014 0.52 0.25 0.18 0.11 0.92 0.10 0.17 0.36 0.07 0.74 1.92
2012 0.78 0.34 0.53 0.45 1.11 0.30 1.22 1.24 0.41 1.06 1.46

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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