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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. Second Quarter 2017, FDIC-Insured Community Banks
  All Community Banks Second Quarter 2017
2nd Quarter
2017
1st Quarter
2017
New
York
Atlanta Chicago Kansas
City
Dallas San
Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.12 4.02 3.91 4.27 4.03 4.20 4.29 4.22
Cost of funding earning assets 0.50 0.48 0.61 0.47 0.48 0.52 0.45 0.39
Net interest margin 3.61 3.54 3.31 3.80 3.56 3.68 3.85 3.83
Noninterest income to assets 0.89 0.87 0.62 0.92 1.24 0.89 0.91 0.91
Noninterest expense to assets 2.75 2.75 2.42 3.01 2.93 2.73 2.90 2.76
Loan and lease loss provision to assets 0.16 0.12 0.25 0.10 0.11 0.15 0.19 0.06
Net operating income to assets 1.03 1.00 0.72 0.96 1.14 1.19 1.14 1.27
Pretax return on assets 1.36 1.33 1.08 1.32 1.52 1.45 1.40 1.69
Return on assets 1.04 1.01 0.75 0.96 1.15 1.20 1.16 1.28
Return on equity 9.29 9.16 6.60 8.68 10.27 10.80 10.49 11.24
Net charge-offs to loans and leases 0.19 0.10 0.32 0.09 0.09 0.13 0.22 0.08
Loan and lease loss provision to net charge-offs 126.27 167.71 103.46 168.25 173.89 159.99 135.26 121.42
Efficiency ratio 64.29 65.56 64.81 67.79 64.13 62.89 64.60 60.88
Net interest income to operating revenue 79.18 79.02 83.27 79.29 72.82 79.45 79.75 79.76
% of unprofitable institutions 4.31 4.48 5.33 5.71 4.55 2.98 4.17 4.96
% of institutions with earnings gains 62.40 56.17 66.88 66.03 63.06 55.54 62.95 71.72
* See Table V-A for explanation.