Skip Header

Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Second Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
TABLE III-A. Second Quarter 2018, All FDIC-Insured Institutions
Second Quarter
(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 5,542 12 5 1,383 2,894 405 71 246 475 51
Commercial banks 4,833 11 5 1,370 2,599 115 51 222 418 42
Savings institutions 709 1 0 13 295 290 20 24 57 9
Total assets (in billions) $17,532.8 $626.4 $4,222.2 $283.8 $6,167.7 $356.3 $216.8 $39.4 $80.8 $5,539.5
Commercial banks 16,366.7 541.9 4,222.2 277.7 5,708.0 102.5 106.3 35.1 69.4 5,303.5
Savings institutions 1,166.1 84.5 0.0 6.0 459.7 253.8 110.5 4.3 11.3 236.1
Total deposits (in billions) 13,468.7 367.5 3,062.3 235.6 4,832.7 277.1 177.4 31.5 68.4 4,416.1
Commercial banks 12,543.9 305.9 3,062.3 230.6 4,485.9 83.1 85.6 28.6 59.2 4,202.7
Savings institutions 924.9 61.7 0.0 5.0 346.8 194.0 91.8 2.9 9.2 213.4
Bank net income (in millions) 60,201 4,249 13,021 951 19,577 967 648 369 230 20,190
Commercial banks 56,667 3,703 13,021 922 18,445 383 460 178 212 19,342
Savings institutions 3,534 545 0 29 1,132 584 188 190 18 848
Performance Ratios (annualized, %)
Yield on earning assets 4.08 12.15 3.24 4.49 4.23 3.64 4.62 3.35 4.16 3.62
Cost of funding earning assets 0.70 1.89 0.71 0.66 0.68 0.68 0.62 0.41 0.49 0.60
Net interest margin 3.38 10.26 2.53 3.83 3.56 2.95 4.00 2.94 3.66 3.02
Noninterest income to assets 1.55 3.48 2.00 0.65 1.13 1.29 1.45 8.38 0.87 1.49
Noninterest expense to assets 2.59 6.03 2.48 2.54 2.62 2.60 2.90 6.59 2.87 2.21
Loan and lease loss provision to assets 0.27 3.33 0.17 0.18 0.14 -0.01 0.47 0.07 0.09 0.16
Net operating income to assets 1.38 2.73 1.23 1.35 1.28 1.06 1.51 3.76 1.15 1.45
Pretax return on assets 1.76 3.65 1.57 1.51 1.61 1.53 1.66 4.41 1.30 1.87
Return on assets 1.37 2.73 1.23 1.35 1.28 1.08 1.20 3.75 1.14 1.45
Return on equity 12.22 17.77 12.36 11.95 10.75 9.55 11.71 22.69 9.64 13.15
Net charge-offs to loans and leases 0.48 4.02 0.50 0.19 0.16 0.01 1.14 0.04 0.09 0.36
Loan and lease loss provision to net charge-offs 100.26 105.87 93.49 140.18 118.62 -242.62 58.97 657.79 178.89 87.59
Efficiency ratio 55.47 45.85 58.19 59.62 59.37 63.10 53.36 59.36 66.87 51.46
% of unprofitable institutions 3.79 0.00 0.00 2.89 3.28 6.67 7.04 6.10 5.89 0.00
% of institutions with earnings gains 74.12 100.00 100.00 68.04 78.44 67.16 66.20 70.33 71.79 92.16
Structural Changes
New reporters 2 0 0 0 0 0 0 2 0 0
Institutions absorbed by mergers 64 1 0 5 54 1 1 0 1 1
Failed institutions 0 0 0 0 0 0 0 0 0 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2017
1.13 2.05 0.95 1.22 1.08 0.92 1.13 2.97 0.91 1.25
2015 1.09 2.89 0.94 1.21 0.96 0.92 1.21 0.34 1.02 1.17
2013 1.06 3.27 1.03 1.21 0.79 1.07 1.68 1.79 0.95 1.05
Net charge-offs to loans & leases (%)
2017
0.48 4.07 0.51 0.21 0.22 0.00 0.59 0.19 0.16 0.39
2015 0.42 2.80 0.57 0.12 0.17 0.13 0.58 0.20 0.19 0.39
2013 0.73 3.38 1.05 0.14 0.46 0.41 1.07 0.45 0.38 0.48
* See Table IV-A (page 8) for explanations

Skip Footer back to content