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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 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 $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 5,406 1,278 3,353 638 128 9 659 626 1,163 1,379 1,182 397
Commercial banks 4,715 1,133 2,941 518 114 9 341 572 999 1,333 1,109 361
Savings institutions 691 145 412 120 14 0 318 54 164 46 73 36
Total assets (in billions) $17,943.1 $75.8 $1,108.6 $1,734.9 $6,202.4 $8,821.4 $3,362.0 $3,677.0 $4,042.6 $3,670.8 $1,133.1 $2,057.7
Commercial banks 16,728.2 67.4 954.1 1,386.1 5,499.3 8,821.4 2,915.6 3,573.3 3,942.9 3,627.2 994.1 1,675.1
Savings institutions 1,214.9 8.5 154.5 348.8 703.1 0.0 446.4 103.7 99.7 43.5 138.9 382.6
Total deposits (in billions) 13,866.3 63.0 924.2 1,389.1 4,737.8 6,752.3 2,544.4 2,934.2 2,993.7 2,841.7 922.5 1,629.9
Commercial banks 12,898.5 56.6 802.3 1,121.2 4,166.1 6,752.3 2,205.3 2,852.3 2,923.9 2,808.2 812.4 1,296.4
Savings institutions 967.7 6.3 121.9 267.9 571.7 0.0 339.1 82.0 69.8 33.5 110.0 333.4
Bank net income (in millions) 236,750 761 13,321 22,164 87,302 113,201 39,898 52,024 50,108 45,525 15,438 33,756
Commercial banks 222,032 665 11,641 18,552 77,974 113,201 35,915 51,097 48,767 45,080 13,692 27,480
Savings institutions 14,717 96 1,681 3,612 9,328 0 3,983 927 1,341 445 1,746 6,275
Performance Ratios (%)
Yield on earning assets 4.16 4.40 4.50 4.49 4.73 3.65 4.33 4.23 3.44 4.18 4.51 4.92
Cost of funding earning assets 0.75 0.57 0.67 0.74 0.86 0.69 0.92 0.66 0.66 0.80 0.61 0.81
Net interest margin 3.40 3.83 3.83 3.75 3.87 2.95 3.41 3.57 2.78 3.38 3.89 4.11
Noninterest income to assets 1.51 1.39 1.16 1.14 1.50 1.64 1.38 1.47 1.89 1.28 1.24 1.68
Noninterest expense to assets 2.61 3.63 3.14 2.77 2.70 2.45 2.56 2.56 2.64 2.52 2.97 2.74
Loan and lease loss provision to assets 0.28 0.13 0.14 0.18 0.48 0.19 0.37 0.30 0.12 0.26 0.17 0.55
Net operating income to assets 1.35 1.02 1.25 1.33 1.46 1.29 1.22 1.44 1.27 1.24 1.39 1.74
Pretax return on assets 1.70 1.15 1.43 1.66 1.85 1.64 1.51 1.80 1.60 1.57 1.67 2.25
Return on assets 1.35 1.02 1.23 1.33 1.46 1.29 1.22 1.44 1.26 1.25 1.40 1.74
Return on equity 11.98 7.59 10.80 11.31 11.99 12.32 9.74 11.94 12.14 12.28 12.04 15.33
Net charge-offs to loans and leases 0.48 0.18 0.15 0.19 0.70 0.43 0.59 0.55 0.23 0.50 0.24 0.73
Loan and lease loss provision to net charge-offs 105.31 123.82 131.31 127.73 110.19 93.75 110.96 93.10 103.44 97.85 108.28 123.06
Efficiency ratio 56.27 73.57 66.19 59.53 53.14 56.58 56.91 54.39 60.00 56.90 61.08 49.02
% of unprofitable institutions 3.24 8.06 2.06 0.47 0.00 0.00 3.64 5.27 3.44 2.25 2.62 4.03
% of institutions with earnings gains 79.65 69.72 80.88 89.81 94.53 100.00 87.10 84.66 76.61 75.63 78.85 84.63
Condition Ratios (%)
Earning assets to total assets 90.60 92.49 93.13 92.36 91.25 89.45 90.01 89.82 89.59 90.64 91.64 94.27
Loss Allowance to:
Loans and leases 1.23 1.38 1.24 1.08 1.34 1.17 1.28 1.20 1.10 1.27 1.04 1.45
Noncurrent loans and leases 124.43 112.62 155.33 139.63 140.03 105.36 135.59 114.08 115.89 106.45 104.97 213.47
Noncurrent assets plus other real estate owned to assets 0.60 0.97 0.73 0.64 0.62 0.57 0.58 0.65 0.54 0.68 0.76 0.44
Equity capital ratio 11.25 13.57 11.50 11.91 12.08 10.49 12.53 12.07 10.35 10.23 11.81 11.01
Core capital (leverage) ratio 9.70 13.66 11.43 10.92 10.37 8.74 10.56 9.56 9.08 9.23 10.41 10.26
Common equity tier 1 capital ratio 13.16 21.67 15.67 14.09 13.03 12.65 13.56 12.87 12.94 12.60 13.29 14.36
Tier 1 risk-based capital ratio 13.24 21.70 15.69 14.11 13.18 12.69 13.62 12.98 12.98 12.69 13.39 14.47
Total risk-based capital ratio 14.60 22.77 16.77 15.08 14.57 14.15 15.04 14.24 14.15 14.57 14.42 15.52
Net loans and leases to deposits 72.32 71.37 82.25 88.57 80.10 62.16 75.29 71.89 68.06 69.03 80.98 77.07
Net loans and leases to total assets 55.89 59.26 68.57 70.92 61.19 47.58 56.98 57.37 50.40 53.44 65.93 61.05
Domestic deposits to total assets 70.29 83.03 83.36 79.83 73.66 64.3 70.04 77.37 64.64 61.64 81.37 78.51
Structural Changes
New reporters 8 7 1 0 0 0 1 3 0 0 1 3
Institutions absorbed by mergers 259 74 153 31 1 0 38 37 44 58 56 26
Failed institutions 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions 2017 5,670 1,407 3,513 627 114 9 693 668 1,214 1,438 1,235 422
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
Total assets (in billions)
2017
$17,415.4 $83.7 $1,154.2 $1,751.7 $5,699.2 $8,726.6 $3,248.1 $3,601.0 $3,918.1 $3,683.1 $1,090.0 $1,875.1
2015 15,967.7 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
Return on assets (%)
2017
0.97 0.83 1.04 1.05 1.04 0.89 0.85 1.00 1.00 0.77 1.12 1.36
2015 1.04 0.84 1.07 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
Net charge-offs to loans & leases (%)
2017
0.50 0.21 0.15 0.22 0.71 0.47 0.58 0.61 0.27 0.51 0.28 0.67
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
Noncurrent assets plus OREO to assets (%) 2017 0.72 1.01 0.83 0.66 0.70 0.73 0.65 0.83 0.64 0.86 0.81 0.45
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
Equity capital ratio (%)
2017
11.22 13.01 11.29 11.82 12.13 10.47 12.34 12.06 10.42 9.99 11.49 11.58
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
* See Table IV-A (page 9) for explanations

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