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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Fourth Quarter 2018 - All FDIC-Insured Institutions
TABLE IV-A. Fourth Quarter 2018, All FDIC-Insured Institutions
Fourth Quarter
(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) 59,062 166 3,438 5,586 22,863 27,010 10,325 13,315 11,980 10,604 3,756 9,082
Commercial banks 55,124 148 2,953 4,726 20,288 27,010 9,361 13,091 11,566 10,493 3,444 7,169
Savings institutions 3,937 18 484 860 2,574 0 964 224 413 111 312 1,913
Performance Ratios (annualized, %)
Yield on earning assets 4.40 4.60 4.71 4.70 4.99 3.87 4.60 4.43 3.67 4.42 4.74 5.15
Cost of funding earning assets 0.91 0.67 0.79 0.88 1.03 0.86 1.12 0.80 0.82 0.96 0.76 0.96
Net interest margin 3.48 3.93 3.92 3.82 3.96 3.02 3.48 3.63 2.85 3.46 3.98 4.19
Noninterest income to assets 1.45 1.35 1.18 1.08 1.49 1.53 1.40 1.43 1.75 1.13 1.16 1.69
Noninterest expense to assets 2.65 3.81 3.22 2.83 2.74 2.48 2.64 2.60 2.63 2.58 3.01 2.77
Loan and lease loss provision to assets 0.32 0.15 0.16 0.17 0.52 0.22 0.40 0.34 0.16 0.27 0.21 0.57
Net operating income to assets 1.33 0.89 1.27 1.32 1.51 1.23 1.25 1.46 1.20 1.16 1.37 1.81
Pretax return on assets 1.62 1.01 1.43 1.59 1.82 1.52 1.48 1.74 1.50 1.42 1.55 2.28
Return on assets 1.33 0.88 1.25 1.30 1.50 1.23 1.25 1.45 1.19 1.16 1.34 1.80
Return on equity 11.78 6.51 10.90 10.96 12.31 11.72 9.88 12.10 11.51 11.36 11.38 16.11
Net charge-offs to loans and leases 0.50 0.24 0.18 0.21 0.73 0.44 0.58 0.58 0.24 0.51 0.30 0.78
Loan and lease loss provision to net charge-offs 111.40 104.64 124.68 110.90 114.69 105.53 117.84 103.04 132.26 98.87 108.04 117.68
Efficiency ratio 57.09 76.33 66.37 60.89 53.06 58.13 57.61 54.93 60.69 59.35 61.87 48.81
% of unprofitable institutions 6.55 15.81 4.21 1.72 0.00 0.00 5.16 7.83 6.36 7.11 6.77 4.79
% of institutions with earnings gains 73.57 62.52 75.51 82.76 85.94 88.89 84.83 78.59 71.71 66.86 71.40 82.12
Structural Changes
New reporters 2 2 0 0 0 0 1 1 0 0 0 0
Institutions absorbed by mergers 70 22 43 5 0 0 11 11 13 16 11 8
Failed institutions 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR FOURTH QUARTERS
(The way it was...)
Return on assets (%)
2017
0.58 0.59 0.85 0.73 0.78 0.40 0.59 0.69 0.83 -0.13 0.89 1.10
2015 1.02 0.75 1.19 1.03 0.99 1.02 0.77 1.02 1.02 1.09 0.97 1.43
2013 1.09 0.58 0.88 1.06 1.17 1.08 1.04 0.86 1.06 1.20 0.99 1.55
Net charge-offs to loans & leases (%)
2017
0.55 0.29 0.23 0.29 0.76 0.51 0.64 0.69 0.26 0.56 0.33 0.75
2015 0.49 0.31 0.22 0.30 0.59 0.54 0.53 0.54 0.28 0.59 0.35 0.62
2013 0.61 0.44 0.41 0.37 0.83 0.55 0.80 0.59 0.46 0.73 0.31 0.57

*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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