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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Full Year 2018 - All FDIC-Insured Institutions
TABLE III-A. Full Year 2018, 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 5,406 12 5 1,346 2,866 401 69 226 432 49
Commercial banks 4,715 11 5 1,333 2,572 109 51 203 390 41
Savings institutions 691 1 0 13 294 292 18 23 42 8
Total assets (in billions) $17,943.1 $651.7 $4,285.8 $286.7 $6,374.0 $346.0 $218.3 $36.4 $76.3 $5,667.9
Commercial banks 16,728.2 559.9 4,285.8 281.3 5,893.7 103.3 113.9 31.9 67.2 5,391.1
Savings institutions 1,214.9 91.8 0.0 5.5 480.2 242.7 104.4 4.5 9.0 276.8
Total deposits (in billions) 13,866.3 388.4 3,117.1 237.9 4,999.6 272.6 179.5 28.9 64.2 4,578.1
Commercial banks 12,898.5 321.6 3,117.1 234.8 4,639.4 84.0 92.4 25.8 57.1 4,326.3
Savings institutions 967.7 66.7 0.0 3.2 360.2 188.6 87.1 3.0 7.1 251.8
Bank net income (in millions) 236,750 18,830 49,514 3,688 77,783 3,847 2,992 1,199 849 78,047
Commercial banks 222,032 16,469 49,514 3,553 73,166 1,578 1,878 685 778 74,410
Savings institutions 14,717 2,361 0 135 4,616 2,269 1,114 514 71 3,637
Performance Ratios (%)
Yield on earning assets 4.16 12.43 3.32 4.54 4.28 3.64 5.00 2.95 4.21 3.66
Cost of funding earning assets 0.75 1.95 0.77 0.71 0.73 0.70 0.75 0.39 0.53 0.64
Net interest margin 3.40 10.48 2.55 3.83 3.55 2.94 4.26 2.56 3.68 3.02
Noninterest income to assets 1.51 3.69 1.91 0.64 1.09 1.25 1.28 8.26 0.88 1.46
Noninterest expense to assets 2.61 6.29 2.48 2.56 2.60 2.57 2.98 6.34 2.90 2.28
Loan and lease loss provision to assets 0.28 3.38 0.18 0.15 0.15 0.00 0.55 0.08 0.13 0.17
Net operating income to assets 1.35 2.98 1.16 1.33 1.26 1.12 1.42 3.52 1.13 1.40
Pretax return on assets 1.70 3.74 1.50 1.49 1.57 1.49 1.87 3.63 1.27 1.76
Return on assets 1.35 2.96 1.17 1.32 1.26 1.14 1.42 2.95 1.12 1.40
Return on equity 11.98 19.53 11.78 11.74 10.57 10.01 13.63 18.99 9.30 12.65
Net charge-offs to loans and leases 0.48 3.87 0.50 0.15 0.18 0.02 0.76 1.42 0.17 0.37
Loan and lease loss provision to net charge-offs 105.31 109.77 98.77 152.81 120.61 10.07 101.56 18.24 139.33 91.39
Efficiency ratio 56.27 46.36 59.03 60.44 59.55 63.03 54.20 59.64 67.03 53.35
% of unprofitable institutions 3.24 0.00 0.00 2.23 3.07 6.23 5.80 4.87 3.94 0.00
% of institutions with earnings gains 79.65 91.67 100.00 72.29 84.19 73.57 75.36 76.99 78.24 91.84
Condition Ratios (%)
Earning assets to total assets 90.60 93.55 88.25 93.00 90.94 94.63 97.11 91.67 92.98 90.99
Loss allowance to:
Loans and leases 1.23 4.32 1.28 1.40 0.99 0.65 1.05 1.62 1.26 1.04
Noncurrent loans and leases 124.43 281.31 137.93 134.21 126.18 31.58 153.67 126.83 125.13 88.29
Noncurrent assets plus other real estate owned to assets 0.60 1.26 0.39 0.82 0.63 1.28 0.49 0.43 0.72 0.62
Equity capital ratio 11.25 15.29 9.88 11.34 11.94 11.08 10.51 16.72 12.35 11.04
Core capital (leverage) ratio 9.70 13.47 8.71 11.20 10.18 10.94 10.83 15.39 12.53 9.21
Common equity tier 1 capital ratio 13.16 13.69 13.49 14.61 12.31 22.02 17.26 35.68 21.14 13.17
Tier 1 risk-based capital ratio 13.24 13.79 13.58 14.62 12.38 22.03 17.50 35.70 21.17 13.24
Total risk-based capital ratio 14.60 15.79 14.99 15.74 13.63 22.83 18.51 36.68 22.29 14.66
Net loans and leases to deposits 72.32 132.02 51.36 81.73 89.57 74.88 84.62 34.27 67.48 61.86
Net loans and leases to total assets 55.89 78.68 37.35 67.81 70.26 59.00 69.58 27.16 56.82 49.96
Domestic deposits to total assets 70.29 58.97 48.33 82.97 78.15 78.48 82.21 79.24 84.20 77.52
Structural Changes
New reporters 8 0 0 0 0 1 0 7 0 0
Institutions absorbed by mergers 259 1 0 40 202 6 3 0 5 2
Failed institutions 0 0 0 0 0 0 0 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2017
5,670 11 5 1,389 2,944 420 59 272 510 60
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
Total assets (in billions)
2017
$17,415.4 $562.7 $4,196.0 $282.6 $6,026.0 $349.3 $270.9 $46.9 $88.8 $5,592.2
2015 15,967.7 549.1 3,774.6 277.6 5,892.1 385.4 187.3 57.5 113.9 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
Return on assets (%)
2017
0.97 1.52 0.62 1.05 1.02 0.94 1.02 2.61 0.91 1.10
2015 1.04 2.84 0.87 0.96 0.95 0.83 1.04 2.69 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
Net charge-offs to loans & leases (%)
2017
0.50 3.95 0.56 0.16 0.21 0.04 0.60 0.23 0.15 0.43
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
Noncurrent assets plus OREO to assets (%)
2017
0.72 1.25 0.48 0.77 0.70 1.70 0.36 0.59 0.81 0.82
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
Equity capital ratio (%)
2017
11.22 15.10 9.83 11.18 11.95 11.22 10.00 15.26 11.94 11.09
2015 11.24 14.29 10.13 11.32 11.76 11.36 10.12 15.04 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
* See Table IV-A (page 8) for explanations

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