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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table V-B. First Three Quarters 2017, FDIC-Insured Community Banks*
  All Community Banks First Three Quarters 2017, Geographic Regions**
First Three
Quarters 2017
First Three
Quarters 2016
New
York
Atlanta Chicago Kansas
City
Dallas San
Francisco
Performance ratios (%)
Yield on earning assets 4.10 4.03 3.90 4.20 4.02 4.18 4.30 4.23
Cost of funding earning assets 0.51 0.46 0.61 0.48 0.48 0.52 0.45 0.38
Net interest margin 3.60 3.57 3.29 3.72 3.54 3.66 3.85 3.85
Noninterest income to assets 0.88 0.95 0.63 0.92 1.21 0.87 0.92 0.92
Noninterest expense to assets 2.75 2.83 2.42 3.00 2.94 2.73 2.89 2.76
Loan and lease loss provision to assets 0.14 0.13 0.18 0.11 0.10 0.15 0.17 0.08
Net operating income to assets 1.03 0.99 0.77 0.90 1.12 1.17 1.18 1.18
Pretax return on assets 1.37 1.34 1.15 1.25 1.48 1.43 1.44 1.71
Return on assets 1.04 1.02 0.79 0.91 1.13 1.18 1.20 1.20
Return on equity 9.34 9.09 7.08 8.25 10.10 10.64 10.84 10.64
Net charge-offs to loans and leases 0.14 0.13 0.17 0.11 0.10 0.12 0.20 0.05
Loan and lease loss provision to net charge-offs 149.41 148.11 145.61 153.47 144.74 172.31 133.97 226.97
Efficiency ratio 64.52 66.08 64.93 68.62 64.89 63.22 64.20 60.78
Net interest income to operating revenue 79.14 77.80 83.14 78.94 73.09 79.66 79.52 79.67
% of unprofitable institutions 4.06 4.17 5.39 6.09 4.25 2.58 3.59 5.00
% of institutions with earnings gains 64.87 63.22 72.39 68.59 64.84 57.74 63.93 77.06

* 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