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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-A. Full Year 2016, All FDIC-Insured Institutions
FULL YEAR
(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 5,913 13 5 1,429 3,026 461 65 300 549 65
Commercial banks 5,112 12 5 1,411 2,717 110 50 272 478 57
Savings institutions 801 1 0 18 309 351 15 28 71 8
Total assets (in billions) $16,779.7 $519.0 $4,052.7 $284.9 $5,628.9 $330.8 $256.0 $51.0 $97.5 $5,558.8
Commercial banks 15,627.8 447.2 4,052.7 279.3 5,157.7 89.4 156.5 46.5 83.4 5,315.1
Savings institutions 1,151.9 71.8 0.0 5.6 471.2 241.4 99.5 4.6 14.2 243.7
Total deposits (in billions) 12,894.7 277.9 2,932.9 235.8 4,434.6 262.8 215.3 41.1 82.6 4,411.6
Commercial banks 11,982.5 223.2 2,932.9 232.5 4,084.5 76.7 132.2 38.0 71.0 4,191.3
Savings institutions 912.2 54.7 0.0 3.3 350.1 186.1 83.1 3.1 11.6 220.3
Bank net income (in millions) 170,831 11,419 37,737 3,361 52,788 3,185 2,329 1,441 891 57,680
Commercial banks 157,004 9,655 37,737 3,249 46,329 1,308 1,564 657 804 55,701
Savings institutions 13,827 1,764 0 111 6,459 1,877 765 785 87 1,978
Performance Ratios (%)
Yield on earning assets 3.50 11.54 2.72 4.16 3.71 3.33 3.76 3.07 3.83 3.05
Cost of funding earning assets 0.37 1.17 0.36 0.47 0.40 0.49 0.36 0.32 0.41 0.26
Net interest margin 3.13 10.36 2.36 3.68 3.31 2.84 3.40 2.75 3.42 2.80
Noninterest income to assets 1.54 2.63 1.79 0.68 1.33 1.21 1.11 7.13 1.03 1.51
Noninterest expense to assets 2.57 5.46 2.36 2.54 2.77 2.51 2.43 5.82 3.03 2.25
Loan and lease loss provision to assets 0.29 3.17 0.19 0.16 0.19 -0.04 0.47 0.05 0.09 0.23
Net operating income to assets 1.03 2.28 0.93 1.18 0.96 0.96 0.96 2.79 0.89 1.05
Pretax return on assets 1.51 3.52 1.31 1.43 1.39 1.47 1.52 3.85 1.12 1.57
Return on assets 1.04 2.28 0.93 1.21 0.97 0.99 0.96 2.85 0.93 1.06
Return on equity 9.29 15.35 9.43 10.45 8.12 8.63 9.46 18.35 7.91 9.60
Net charge-offs to loans and leases 0.47 3.34 0.55 0.15 0.22 0.07 0.56 0.22 0.17 0.41
Loan and lease loss provision to net charge-offs 113.36 122.14 96.14 159.62 123.25 -95.55 118.40 80.73 95.09 109.47
Efficiency ratio 58.27 44.24 60.75 61.40 62.96 63.99 53.04 60.18 71.92 54.82
% of unprofitable institutions 4.36 0.00 0.00 1.96 4.40 7.81 10.77 7.00 5.83 1.54
% of institutions with earnings gains 64.96 46.15 80.00 58.99 70.39 60.95 64.62 56.00 57.92 75.38
Condition Ratios (%)
Earning assets to total assets 90.01 91.48 87.42 92.85 90.83 94.66 97.34 91.93 92.52 90.11
Loss Allowance to:
Loans and leases 1.31 3.84 1.46 1.39 1.11 0.86 0.97 1.53 1.30 1.18
Noncurrent loans and leases 92.18 270.75 92.71 143.56 105.09 29.02 103.30 104.97 108.73 65.88
Noncurrent assets plus other real estate owned to assets 0.86 1.14 0.61 0.77 0.87 1.97 0.70 0.63 0.94 0.96
Equity capital ratio 11.10 14.85 9.97 11.30 11.81 11.29 10.04 15.23 11.42 10.85
Core capital (leverage) ratio 9.48 12.63 8.67 10.85 10.11 11.15 10.24 14.85 11.39 8.88
Common equity tier 1 capital ratio 12.87 11.85 13.40 14.43 12.32 21.83 18.14 32.64 19.46 12.40
Tier 1 risk-based capital ratio 12.96 11.97 13.43 14.45 12.43 21.88 18.33 32.65 19.49 12.50
Total risk-based capital ratio 14.34 14.14 14.54 15.55 13.79 22.80 19.22 33.52 20.61 14.06
Net loans and leases to deposits 71.22 144.60 49.59 80.07 87.61 78.78 82.81 34.34 65.22 63.47
Net loans and leases to total assets 54.73 77.44 35.89 66.26 69.02 62.59 69.65 27.66 55.25 50.37
Domestic deposits to total assets 69.41 52.83 48.14 82.76 78.48 79.43 84.11 80.53 84.71 74.96
Structural Changes
New reporters 0 0 0 0 0 0 0 0 0 0
Institutions absorbed by mergers 251 0 0 39 185 8 1 4 13 1
Failed institutions 5 0 0 0 4 0 0 0 1 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2015
6,182 14 4 1,479 3,089 500 65 332 632 67
2013 6,812 16 4 1,532 3,378 588 55 405 772 62
2011 7,357 18 4 1,545 3,769 732 59 377 790 63
Total assets (in billions)
2015
$15,967.6 $549.1 $3,774.6 $277.6 $5,892.1 $385.4 $187.3 $57.5 $113.8 $4,730.3
2013 14,730.8 590.9 3,700.2 261.6 4,921.1 486.9 162.5 62.8 137.6 4,407.1
2011 13,891.3 538.7 3,456.4 215.7 4,086.1 825.4 97.2 56.1 138.6 4,477.2
Return on assets (%)
2015
1.04 2.84 0.87 0.96 0.95 0.83 1.04 2.68 0.91 1.12
2013 1.07 3.35 0.86 1.15 0.91 0.98 1.15 1.93 0.85 1.11
2011 0.88 3.49 0.74 1.11 0.63 0.56 1.68 1.92 0.92 0.89
Net charge-offs to loans & leases (%)
2015
0.44 2.79 0.59 0.10 0.20 0.13 0.62 0.20 0.20 0.41
2013 0.69 3.20 0.97 0.14 0.43 0.37 0.80 0.48 0.33 0.49
2011 1.55 5.26 1.97 0.40 1.18 0.90 1.87 0.56 0.54 1.25
Noncurrent assets plus OREO to assets (%)
2015
0.97 0.90 0.71 0.68 0.93 1.92 0.97 0.61 1.19 1.16
2013 1.63 0.93 1.07 0.95 1.65 2.14 1.23 0.84 1.44 2.18
2011 2.61 1.41 1.61 1.46 3.05 2.61 1.28 1.11 1.69 3.25
Equity capital ratio (%)
2015
11.24 14.29 10.13 11.32 11.76 11.37 10.12 15.02 11.80 11.08
2013 11.15 14.73 9.27 10.97 11.79 11.62 9.51 13.50 11.34 11.52
2011 11.16 15.11 8.89 11.22 11.69 10.39 9.82 14.51 11.45 12.08

*Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive):

Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.
International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices.
Agricultural Banks - Banks whose agricultural production loans plus real estate loans secured by farmland exceed 25 percent of total loans and leases.
Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties exceed 25 percent of total assets.
Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets.
Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets.
Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets.
All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.
All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.

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