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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-A. First Quarter 2017, All FDIC-Insured Institutions
First Quarter
(The way it is...)
All Insured
Institutions
Asset Concentration Groups*
Credit Card
Institutions
International
Banks
Agricultural
Banks
Commercial
Lenders
Mortgage
Lenders
Consumer
Lenders
Other
Specialized
< $1 Billion
All Other
< $1 Billion
All Other
> $1 Billion
Number of institutions reporting 5,856 13 4 1,397 2,988 454 61 310 563 66
Commercial banks 5,060 12 4 1,380 2,681 111 44 279 492 57
Savings institutions 796 1 0 17 307 343 17 31 71 9
Total assets (in billions) $16,965.8 $506.1 $4,001.2 $269.8 $5,731.6 $339.4 $258.2 $52.2 $102.7 $5,704.5
Commercial banks 15,789.5 434.2 4,001.2 264.3 5,257.6 86.0 156.0 47.6 88.2 5,454.3
Savings institutions 1,176.3 71.9 0.0 5.5 474.0 253.3 102.2 4.6 14.5 250.1
Total deposits (in billions) 13,083.8 272.2 2,885.7 224.7 4,541.0 268.8 217.2 42.9 87.1 4,544.1
Commercial banks 12,151.1 217.4 2,885.7 221.6 4,189.5 73.7 129.9 39.7 75.2 4,318.4
Savings institutions 932.7 54.8 0.0 3.1 351.6 195.1 87.2 3.2 11.9 225.7
Bank net income (in millions) 43,971 2,655 9,356 798 14,046 758 692 327 232 15,108
Commercial banks 40,771 2,324 9,356 767 12,740 286 499 154 210 14,436
Savings institutions 3,200 331 0 31 1,305 472 193 173 22 672
Performance Ratios (annualized, %)
Yield on earning assets 3.59 12.19 2.84 4.09 3.77 3.38 3.86 2.99 3.83 3.12
Cost of funding earning assets 0.41 1.34 0.41 0.48 0.42 0.50 0.37 0.31 0.40 0.31
Net interest margin 3.19 10.85 2.42 3.61 3.35 2.88 3.50 2.68 3.44 2.81
Noninterest income to assets 1.48 2.33 1.84 0.63 1.24 1.11 1.01 6.68 0.90 1.45
Noninterest expense to assets 2.59 5.18 2.45 2.51 2.75 2.53 2.24 5.75 2.91 2.28
Loan and lease loss provision to assets 0.28 3.85 0.20 0.11 0.16 0.02 0.47 0.05 0.07 0.17
Net operating income to assets 1.04 2.07 0.94 1.18 0.98 0.86 1.08 2.50 0.90 1.05
Pretax return on assets 1.49 3.24 1.32 1.39 1.38 1.37 1.71 3.37 1.11 1.55
Return on assets 1.04 2.07 0.94 1.19 0.99 0.91 1.08 2.52 0.91 1.06
Return on equity 9.37 13.64 9.39 10.56 8.32 8.28 10.67 17.02 7.92 9.87
Net charge-offs to loans and leases 0.49 3.93 0.66 0.09 0.20 0.09 0.65 0.12 0.13 0.38
Loan and lease loss provision to net charge-offs 104.54 123.61 81.75 183.46 114.35 26.79 102.57 132.82 103.47 89.61
Efficiency ratio 58.77 41.51 61.32 62.44 63.51 65.40 49.96 62.83 71.08 56.25
% of unprofitable institutions 4.15 0.00 0.00 2.65 3.65 8.37 11.48 7.74 4.97 0.00
% of institutions with earnings gains 57.34 38.46 100.00 46.89 63.76 54.41 50.82 45.81 56.66 75.76
Condition Ratios (%)
Earning assets to total assets 90.33 91.83 87.55 93.43 91.05 94.89 97.62 91.82 92.83 90.63
Loss allowance to:
Loans and leases 1.31 4.25 1.45 1.45 1.11 0.83 0.99 1.57 1.29 1.16
Noncurrent loans and leases 97.46 292.73 98.81 134.17 109.60 27.81 108.17 114.74 112.39 69.72
Noncurrent assets plus other real estate owned to assets 0.81 1.14 0.56 0.83 0.82 1.92 0.68 0.56 0.90 0.86
Equity capital ratio 11.15 15.53 10.03 11.31 11.91 10.88 10.14 14.78 11.53 10.80
Core capital (leverage) ratio 9.57 12.74 8.83 11.01 10.18 10.88 10.26 14.36 11.56 8.93
Common equity tier 1 capital ratio 13.05 12.42 13.50 14.74 12.44 21.21 18.34 31.36 19.81 12.69
Tier 1 risk-based capital ratio 13.14 12.54 13.56 14.76 12.54 21.26 18.56 31.37 19.83 12.79
Total risk-based capital ratio 14.54 14.75 14.73 15.89 13.90 22.17 19.43 32.26 20.96 14.34
Net loans and leases to deposits 70.13 139.25 49.52 78.61 86.70 76.90 82.44 33.51 65.22 61.54
Net loans and leases to total assets 54.08 74.91 35.71 65.48 68.69 60.90 69.33 27.49 55.31 49.03
Domestic deposits to total assets 69.63 53.57 48.50 83.29 78.95 79.18 84.09 82.05 84.80 74.25
Structural Changes
New reporters 2 0 0 0 1 0 0 1 0 0
Institutions absorbed by mergers 54 0 0 9 39 3 0 1 2 0
Failed institutions 3 0 0 0 3 0 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2016
6,122 14 5 1,459 3,045 502 60 336 635 66
2014 6,730 16 4 1,480 3,324 563 54 444 783 62
2012 7,308 18 5 1,492 3,679 717 52 427 851 67
Total assets (in billions)
2016
$16,293.2 $540.1 $4,014.9 $275.5 $5,741.8 $404.6 $193.1 $60.1 $112.5 $4,950.7
2014 14,909.9 592.3 3,723.9 244.9 4,977.3 575.5 164.1 70.2 141.2 4,420.5
2012 13,925.4 559.2 3,660.4 212.6 4,068.3 825.1 98.5 67.6 152.6 4,281.2
Return on assets (%)
2016
0.97 2.75 0.83 1.21 0.90 0.97 1.08 2.35 0.89 0.92
2014 1.01 3.48 0.77 1.11 0.95 0.84 1.02 1.85 0.82 0.94
2012 1.00 3.33 0.80 1.27 0.84 0.82 1.78 1.71 0.99 1.01
Net charge-offs to loans & leases (%)
2016
0.46 3.07 0.57 0.10 0.20 0.06 0.68 0.07 0.16 0.42
2014 0.52 3.03 0.72 0.07 0.27 0.24 0.72 0.11 0.17 0.34
2012 1.16 4.04 1.48 0.17 0.77 0.96 1.55 0.26 0.33 0.99
Noncurrent assets plus OREO to assets (%)
2016
0.96 0.88 0.69 0.75 0.99 1.84 0.90 0.62 1.10 1.10
2014 1.51 0.87 0.98 0.96 1.57 1.78 1.15 0.87 1.57 1.99
2012 2.53 1.29 1.55 1.40 2.89 2.38 1.17 1.16 1.72 3.36
Equity capital ratio (%)
2016
11.25 14.83 9.89 11.57 11.82 11.37 10.02 14.65 11.90 11.28
2014 11.22 14.75 9.34 11.06 11.92 11.69 9.64 13.54 11.56 11.49
2012 11.26 15.16 9.13 11.28 11.66 10.65 9.56 13.79 11.23 12.32
* See Table IV-A (page 8) for explanations

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