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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-B. Third Quarter 2017, FDIC-Insured Community Banks*
  All Community Banks Third Quarter 2017, Geographic Regions**
3rd Quarter 2017 2nd Quarter 2017 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.19 4.12 3.97 4.29 4.11 4.29 4.39 4.34
Cost of funding earning assets 0.54 0.50 0.65 0.51 0.51 0.56 0.48 0.41
Net interest margin 3.65 3.61 3.33 3.78 3.60 3.73 3.91 3.93
Noninterest income to assets 0.89 0.88 0.65 0.92 1.22 0.89 0.91 0.95
Noninterest expense to assets 2.76 2.75 2.44 3.01 2.95 2.74 2.89 2.78
Loan and lease loss provision to assets 0.14 0.16 0.18 0.13 0.09 0.14 0.15 0.06
Net operating income to assets 1.07 1.03 0.79 0.91 1.16 1.24 1.24 1.27
Pretax return on assets 1.42 1.36 1.18 1.28 1.54 1.51 1.51 1.82
Return on assets 1.08 1.04 0.81 0.91 1.17 1.25 1.25 1.28
Return on equity 9.64 9.29 7.21 8.26 10.39 11.11 11.24 11.26
Net charge-offs to loans and leases 0.12 0.19 0.10 0.14 0.12 0.11 0.19 0.03
Loan and lease loss provision to net charge-offs 166.67 126.04 245.16 139.65 115.03 189.66 122.87 266.59
Efficiency ratio 63.78 64.29 64.38 67.85 64.28 62.30 63.43 59.73
Net interest income to operating revenue 79.21 79.18 82.79 79.21 73.31 79.65 79.90 79.61
% of unprofitable institutions 4.08 4.38 6.86 6.25 3.91 2.79 2.91 5.00
% of institutions with earnings gains 66.60 62.29 73.37 69.87 65.36 61.39 66.58 74.12

* Data for third quarter 2017 do not include one insured institution with $4.1 billion in assets, which had not reported at the time data were compiled.

**See Table V-A for explanation