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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. First-Half 2017, FDIC-Insured Community Banks
  All Community Banks First-Half 2017, Geographic Regions*
First-Half
2017
First-Half
2016
New
York
Atlanta Chicago Kansas
City
Dallas San
Francisco
Performance ratios (%)
Yield on earning assets 4.07 4.03 3.88 4.21 3.98 4.13 4.26 4.18
Cost of funding earning assets 0.49 0.46 0.59 0.46 0.46 0.50 0.43 0.37
Net interest margin 3.58 3.57 3.29 3.75 3.52 3.63 3.83 3.81
Noninterest income to assets 0.88 0.93 0.62 0.91 1.21 0.86 0.92 0.90
Noninterest expense to assets 2.74 2.84 2.42 3.01 2.93 2.72 2.90 2.75
Loan and lease loss provision to assets 0.14 0.13 0.19 0.09 0.10 0.14 0.18 0.08
Net operating income to assets 1.01 0.97 0.76 0.92 1.10 1.15 1.16 1.20
Pretax return on assets 1.35 1.31 1.14 1.27 1.45 1.39 1.40 1.66
Return on assets 1.03 1.00 0.79 0.93 1.11 1.16 1.17 1.21
Return on equity 9.23 8.92 7.00 8.39 9.93 10.44 10.62 10.68
Net charge-offs to loans and leases 0.14 0.11 0.21 0.08 0.09 0.12 0.20 0.06
Loan and lease loss provision to net charge-offs 141.99 167.77 119.79 181.02 167.44 167.19 140.26 191.95
Efficiency ratio 64.82 66.67 65.12 68.56 65.21 63.72 64.65 61.16
Net interest income to operating revenue 79.18 78.16 83.16 79.22 73.05 79.69 79.49 79.81
% of unprofitable institutions 4.22 4.59 5.49 6.19 4.55 2.91 3.49 4.96
% of institutions with earnings gains 60.88 62.26 68.34 67.78 60.48 53.13 59.03 74.34
* See Table V-A for explanation