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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 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 $10
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 5,913 1,541 3,637 621 105 9 724 720 1,271 1,485 1,268 445
Commercial banks 5,112 1,354 3,154 506 89 9 374 651 1,063 1,431 1,186 407
Savings institutions 801 187 483 115 16 0 350 69 208 54 82 38
Total assets (in billions) $16,779.7 $91.5 $1,173.9 $1,761.7 $5,305.7 $8,446.8 $3,096.5 $3,507.3 $3,784.3 $3,633.8 $1,010.7 $1,747.0
Commercial banks 15,627.8 80.9 996.9 1,444.3 4,658.9 8,446.8 2,658.1 3,424.1 3,672.2 3,574.2 885.4 1,413.7
Savings institutions 1,151.9 10.6 177.0 317.5 646.9 0.0 438.4 83.2 112.1 59.6 125.3 333.2
Total deposits (in billions) 12,894.7 76.8 979.9 1,401.2 4,072.7 6,364.1 2,324.1 2,762.2 2,820.6 2,742.2 834.2 1,411.4
Commercial banks 11,982.5 68.6 839.4 1,159.2 3,551.2 6,364.1 1,995.1 2,695.2 2,741.5 2,694.0 731.7 1,125.0
Savings institutions 912.2 8.2 140.5 242.0 521.5 0.0 329.0 67.1 79.1 48.2 102.5 286.4
Bank net income (in millions) 170,831 812 12,330 17,027 54,861 85,801 26,566 35,152 36,764 38,977 9,970 23,402
Commercial banks 157,004 699 10,487 14,455 45,561 85,801 23,491 34,431 35,424 38,497 8,527 16,634
Savings institutions 13,827 113 1,842 2,572 9,300 0 3,075 721 1,340 480 1,443 6,768
Performance Ratios (%)
Yield on earning assets 3.50 4.12 4.14 4.04 3.88 3.05 3.54 3.63 2.79 3.65 3.97 4.10
Cost of funding earning assets 0.37 0.44 0.46 0.43 0.43 0.30 0.46 0.31 0.30 0.42 0.32 0.40
Net interest margin 3.13 3.68 3.68 3.61 3.45 2.74 3.07 3.32 2.49 3.24 3.65 3.70
Noninterest income to assets 1.54 1.21 1.20 1.22 1.58 1.63 1.33 1.45 1.85 1.35 1.41 1.91
Noninterest expense to assets 2.57 3.47 3.17 2.86 2.68 2.36 2.54 2.57 2.54 2.42 3.11 2.75
Loan and lease loss provision to assets 0.29 0.13 0.13 0.25 0.45 0.23 0.32 0.36 0.14 0.29 0.28 0.47
Net operating income to assets 1.03 0.87 1.05 1.00 1.06 1.02 0.86 1.01 0.99 1.06 1.01 1.40
Pretax return on assets 1.51 1.04 1.35 1.47 1.59 1.49 1.23 1.50 1.40 1.57 1.39 2.18
Return on assets 1.04 0.90 1.08 1.02 1.07 1.03 0.87 1.02 1.00 1.09 1.02 1.40
Return on equity 9.29 6.95 9.52 8.68 8.90 9.70 7.22 8.33 9.66 10.82 9.22 11.69
Net charge-offs to loans and leases 0.47 0.20 0.14 0.25 0.64 0.47 0.52 0.54 0.27 0.53 0.31 0.58
Loan and lease loss provision to net charge-offs 113.36 106.52 138.47 143.41 118.72 101.73 113.28 113.23 101.54 103.00 141.89 131.99
Efficiency ratio 58.27 75.30 68.40 61.74 56.00 57.33 61.13 57.53 62.00 55.82 64.33 50.28
% of unprofitable institutions 4.36 9.28 2.89 1.45 0.95 0.00 5.52 7.08 5.27 2.49 3.55 4.04
% of institutions with earnings gains 64.96 55.48 66.24 79.39 75.24 55.56 69.06 67.08 64.99 61.35 64.04 69.44
Condition Ratios (%)
Earning assets to total assets 90.01 92.09 92.85 92.19 90.96 88.54 89.57 89.02 89.51 89.55 91.88 93.74
Loss Allowance to:
Loans and leases 1.31 1.42 1.30 1.18 1.36 1.31 1.25 1.35 1.25 1.35 1.28 1.36
Noncurrent loans and leases 92.18 112.36 132.89 119.52 110.99 72.99 109.16 83.10 85.26 76.28 93.75 172.76
Noncurrent assets plus other real estate owned to assets 0.86 1.10 0.95 0.84 0.78 0.90 0.70 1.03 0.79 1.00 1.06 0.53
Equity capital ratio 11.10 12.71 11.15 11.55 11.87 10.50 12.11 12.05 10.32 9.87 10.92 11.79
Core capital (leverage) ratio 9.48 12.62 10.98 10.44 10.17 8.62 9.95 9.52 9.03 8.74 9.95 10.90
Common equity tier 1 capital ratio 12.87 20.15 15.32 13.46 12.97 12.25 12.97 12.58 12.97 11.90 13.09 15.03
Tier 1 risk-based capital ratio 12.96 20.19 15.36 13.48 13.15 12.29 13.12 12.68 13.03 11.91 13.19 15.20
Total risk-based capital ratio 14.34 21.27 16.47 14.49 14.72 13.68 14.55 14.14 14.20 13.57 14.31 16.36
Net loans and leases to deposits 71.22 69.65 79.85 87.12 77.02 62.70 73.97 73.24 65.68 68.82 77.56 74.72
Net loans and leases to total assets 54.73 58.48 66.66 69.29 59.12 47.24 55.52 57.68 48.95 51.93 64.01 60.37
Domestic deposits to total assets 69.41 83.98 83.46 79.25 73.14 62.91 68.10 76.15 65.71 59.10 82.46 80.16
Structural Changes
New reporters 0 0 0 0 0 0 0 0 0 0 0 0
Institutions absorbed by mergers 251 89 135 25 2 0 33 38 62 53 42 23
Failed institutions 5 4 1 0 0 0 1 1 1 0 2 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2015
6,182 1,688 3,792 595 99 8 762 762 1,337 1,543 1,307 471
2013 6,812 2,056 4,090 559 100 7 840 869 1,470 1,659 1,431 543
2011 7,357 2,415 4,284 551 100 7 915 957 1,552 1,773 1,542 618
Total assets (in billions)
2015
$15,967.6 $99.2 $1,199.9 $1,682.4 $5,163.6 $7,822.6 $3,074.1 $3,372.6 $3,503.7 $3,444.0 $943.1 $1,630.3
2013 14,730.8 119.7 1,246.1 1,468.5 4,821.1 7,075.3 2,927.2 2,998.8 3,376.9 3,222.9 869.9 1,335.1
2011 13,891.3 138.7 1,279.9 1,410.9 4,490.8 6,571.0 2,864.6 2,942.8 3,184.5 2,918.2 812.9 1,168.4
Return on assets (%)
2015
1.04 0.84 1.06 1.10 1.02 1.05 0.87 1.03 0.96 1.16 1.09 1.31
2013 1.07 0.70 0.91 1.16 1.06 1.08 0.87 0.98 0.95 1.24 1.09 1.55
2011 0.88 0.52 0.56 0.79 1.04 0.85 1.01 0.52 0.78 0.95 0.94 1.47
Net charge-offs to loans & leases (%)
2015
0.44 0.19 0.16 0.21 0.56 0.48 0.48 0.50 0.27 0.52 0.24 0.52
2013 0.69 0.35 0.36 0.41 0.90 0.68 0.92 0.66 0.49 0.87 0.32 0.57
2011 1.55 0.62 0.90 1.18 1.91 1.56 1.86 1.66 1.19 1.85 0.89 1.15
Noncurrent assets plus OREO to assets (%)
2015
0.97 1.25 1.12 0.93 0.75 1.09 0.75 1.15 0.94 1.19 1.04 0.53
2013 1.63 1.75 1.81 1.89 0.99 1.97 1.12 2.23 1.47 1.99 1.58 0.91
2011 2.61 2.34 3.01 3.13 1.88 2.92 1.78 3.84 2.31 2.76 2.60 1.97
Equity capital ratio (%)
2015
11.24 12.55 11.25 11.69 12.02 10.60 11.78 12.22 10.50 10.22 11.04 12.03
2013 11.15 11.68 10.78 11.79 12.32 10.28 12.02 12.19 9.66 10.42 10.87 12.65
2011 11.16 11.83 10.65 11.73 12.62 10.13 12.26 11.98 8.68 11.12 10.92 13.48

*REGIONS:

Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia
Chicago: Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin
Dallas: Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas
Kansas City: Iowa, Kansas, Minnesota, Missouri, North Dakota, Nebraska, South Dakota
New York: Connecticut, District of Columbia, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico, Virgin Islands
San Francisco: Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming

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