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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 Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
To
$250 Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 5,856 1,501 3,605 632 109 9 719 708 1,253 1,471 1,264 441
Commercial banks 5,060 1,318 3,123 517 93 9 372 640 1,047 1,416 1,182 403
Savings institutions 796 183 482 115 16 0 347 68 206 55 82 38
Total assets (in billions) $16,965.8 $88.9 $1,166.3 $1,763.6 $5,363.5 $8,583.5 $3,114.5 $3,539.0 $3,839.3 $3,679.2 $1,032.2 $1,761.6
Commercial banks 15,789.5 78.6 988.5 1,441.1 4,697.7 8,583.5 2,672.9 3,449.1 3,728.4 3,618.0 900.6 1,420.5
Savings institutions 1,176.3 10.3 177.7 322.4 665.8 0.0 441.7 89.8 110.9 61.2 131.6 341.2
Total deposits (in billions) 13,083.8 74.8 977.0 1,412.1 4,137.3 6,482.7 2,346.4 2,795.9 2,867.4 2,793.1 853.7 1,427.2
Commercial banks 12,151.1 66.8 835.6 1,164.4 3,601.6 6,482.7 2,014.3 2,722.8 2,789.2 2,744.1 745.2 1,135.5
Savings institutions 932.7 8.0 141.4 247.6 535.7 0.0 332.2 73.1 78.2 49.0 108.5 291.7
Bank net income (in millions) 43,971 202 3,041 4,833 14,129 21,767 7,119 8,716 9,354 9,827 2,960 5,996
Commercial banks 40,771 173 2,618 4,060 12,153 21,767 6,286 8,544 9,053 9,644 2,596 4,648
Savings institutions 3,200 28 423 773 1,976 0 832 172 302 182 364 1,348
Performance Ratios (annualized, %)
Yield on earning assets 3.59 4.08 4.13 4.04 4.02 3.14 3.68 3.75 2.87 3.70 3.96 4.22
Cost of funding earning assets 0.41 0.44 0.46 0.45 0.47 0.35 0.52 0.34 0.33 0.48 0.34 0.41
Net interest margin 3.19 3.64 3.66 3.59 3.55 2.79 3.16 3.41 2.55 3.22 3.61 3.81
Noninterest income to assets 1.48 1.20 1.12 1.19 1.47 1.60 1.32 1.39 1.82 1.32 1.32 1.66
Noninterest expense to assets 2.59 3.40 3.10 2.76 2.66 2.43 2.54 2.65 2.60 2.45 2.95 2.65
Loan and lease loss provision to assets 0.28 0.11 0.11 0.20 0.49 0.20 0.32 0.36 0.15 0.25 0.19 0.50
Net operating income to assets 1.04 0.91 1.04 1.10 1.06 1.01 0.91 0.98 0.98 1.06 1.15 1.37
Pretax return on assets 1.49 1.06 1.33 1.56 1.55 1.46 1.30 1.43 1.36 1.54 1.52 2.09
Return on assets 1.04 0.91 1.05 1.11 1.06 1.02 0.92 0.99 0.98 1.08 1.16 1.37
Return on equity 9.37 7.11 9.41 9.58 8.81 9.76 7.52 8.23 9.53 10.88 10.59 11.52
Net charge-offs to loans and leases 0.49 0.13 0.10 0.20 0.71 0.49 0.52 0.58 0.34 0.51 0.26 0.67
Loan and lease loss provision to net charge-offs 104.54 145.60 161.55 143.87 115.10 85.30 111.75 107.02 85.38 92.87 110.37 123.10
Efficiency ratio 58.77 74.42 68.29 60.66 55.88 58.81 60.26 59.18 62.89 56.92 62.73 50.00
% of unprofitable institutions 4.15 9.39 2.69 0.79 0.00 0.00 5.56 5.08 4.87 3.26 3.09 4.31
% of institutions with earnings gains 57.34 47.63 58.03 72.94 74.31 100.00 64.12 65.11 56.66 49.56 55.14 68.03
Condition Ratios (%)
Earning assets to total assets 90.33 92.38 93.06 92.36 91.25 88.95 89.80 89.50 89.96 89.71 92.22 93.97
Loss Allowance to:
Loans and leases 1.31 1.45 1.29 1.18 1.38 1.29 1.26 1.36 1.22 1.35 1.27 1.39
Noncurrent loans and leases 97.46 112.75 132.39 121.71 117.14 77.91 112.85 88.44 89.25 82.06 97.72 179.26
Noncurrent assets plus other real estate owned to assets 0.81 1.09 0.93 0.81 0.75 0.82 0.69 0.97 0.73 0.92 0.99 0.51
Equity capital ratio 11.15 12.86 11.20 11.59 12.08 10.45 12.29 12.04 10.30 9.90 10.94 11.94
Core capital (leverage) ratio 9.57 12.76 11.05 10.48 10.32 8.68 10.12 9.53 9.16 8.79 10.00 10.96
Common equity tier 1 capital ratio 13.05 20.51 15.39 13.64 13.22 12.40 13.14 12.76 13.16 12.05 13.25 15.29
Tier 1 risk-based capital ratio 13.14 20.56 15.43 13.66 13.39 12.45 13.25 12.86 13.21 12.10 13.35 15.44
Total risk-based capital ratio 14.54 21.64 16.53 14.68 14.93 13.87 14.68 14.31 14.43 13.80 14.46 16.54
Net loans and leases to deposits 70.13 68.62 79.27 85.68 76.25 61.47 73.37 72.08 64.93 67.18 75.93 73.72
Net loans and leases to total assets 54.08 57.71 66.41 68.60 58.82 46.43 55.27 56.94 48.49 51.00 62.80 59.73
Domestic deposits to total assets 69.63 84.11 83.76 79.79 73.56 63.01 68.42 76.39 65.75 59.31 82.64 80.55
Structural Changes
New reporters 2 1 0 1 0 0 0 0 0 0 1 1
Institutions absorbed by mergers 54 13 36 5 0 0 5 7 17 14 8 3
Failed institutions 3 1 2 0 0 0 1 0 1 0 0 1
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2016
6,122 1,663 3,734 616 100 9 752 753 1,325 1,528 1,299 465
2014 6,730 2,005 4,054 564 99 8 831 852 1,457 1,641 1,414 535
2012 7,308 2,368 4,276 557 101 6 906 945 1,544 1,767 1,533 613
Total assets (in billions)
2016
$16,293.2 $97.8 $1,179.8 $1,723.1 $5,013.9 $8,278.6 $3,084.7 $3,417.7 $3,624.0 $3,543.5 $962.2 $1,661.2
2014 14,909.9 118.1 1,246.8 1,493.7 4,651.8 7,399.5 2,963.3 3,032.9 3,416.9 3,247.0 883.0 1,366.9
2012 13,925.4 137.4 1,283.6 1,419.8 4,681.3 6,403.4 2,823.3 2,918.0 3,207.9 2,967.7 831.1 1,177.5
Return on assets (%) 2016 0.97 0.92 1.03 1.05 1.01 0.92 0.80 0.88 0.93 1.04 1.05 1.33
2014 1.01 0.80 0.90 1.01 1.17 0.92 1.02 0.88 0.80 1.14 1.08 1.42
2012 1.00 0.74 0.83 1.06 1.09 0.97 0.97 0.83 0.87 1.08 1.13 1.60
Net charge-offs to loans & leases (%)
2016
0.46 0.12 0.10 0.19 0.62 0.49 0.49 0.54 0.26 0.55 0.30 0.52
2014 0.52 0.19 0.18 0.25 0.77 0.49 0.75 0.47 0.38 0.61 0.21 0.50
2012 1.16 0.38 0.58 0.78 1.39 1.25 1.32 1.28 0.90 1.44 0.57 0.89
Noncurrent assets plus OREO to assets (%)
2016
0.96 1.22 1.10 0.93 0.81 1.04 0.77 1.13 0.93 1.15 1.10 0.56
2014 1.51 1.71 1.74 1.75 0.98 1.75 1.08 2.05 1.35 1.86 1.46 0.85
2012 2.53 2.26 2.88 3.06 1.67 2.98 1.70 3.74 2.28 2.70 2.44 1.85
Equity capital ratio (%)
2016
11.25 12.86 11.34 11.72 12.04 10.65 12.00 12.35 10.32 10.14 11.10 12.12
2014 11.22 11.85 10.90 11.89 12.64 10.23 12.04 12.32 9.78 10.43 10.95 12.61
2012 11.26 11.74 10.67 11.74 12.58 10.30 12.57 12.01 8.80 11.14 10.90 13.60
* See Table IV-A (page 9) for explanations

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