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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 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 5,542 1,372 3,399 637 125 9 675 645 1,195 1,412 1,205 410
Commercial banks 4,833 1,220 2,976 516 112 9 351 588 1,025 1,364 1,131 374
Savings institutions 709 152 423 121 13 0 324 57 170 48 74 36
Total assets (in billions) $17,532.8 $81.8 $1,112.3 $1,706.7 $5,951.5 $8,680.6 $3,276.4 $3,614.2 $3,957.2 $3,626.6 $1,114.0 $1,944.4
Commercial banks 16,366.7 73.0 953.4 1,352.4 5,307.3 8,680.6 2,836.8 3,512.2 3,851.0 3,586.2 977.9 1,602.6
Savings institutions 1,166.1 8.8 158.8 354.3 644.1 0.0 439.7 102.0 106.2 40.3 136.1 341.8
Total deposits (in billions) 13,468.7 68.1 927.0 1,359.4 4,532.0 6,582.3 2,473.8 2,845.6 2,923.8 2,780.8 903.9 1,540.8
Commercial banks 12,543.9 61.4 801.7 1,085.4 4,013.1 6,582.3 2,139.8 2,764.6 2,849.2 2,749.5 795.1 1,245.6
Savings institutions 924.9 6.6 125.3 274.0 518.9 0.0 334.0 81.1 74.6 31.3 108.8 295.2
Bank net income (in millions) 60,201 222 3,512 5,451 21,724 29,293 9,805 13,505 12,890 11,621 3,932 8,448
Commercial banks 56,667 195 3,034 4,686 19,459 29,293 8,799 13,286 12,680 11,514 3,407 6,982
Savings institutions 3,534 27 477 765 2,265 0 1,006 219 210 108 525 1,466
Performance Ratios (annualized, %)
Yield on earning assets 4.08 4.37 4.47 4.39 4.65 3.58 4.24 4.16 3.38 4.11 4.45 4.81
Cost of funding earning assets 0.70 0.54 0.63 0.68 0.81 0.64 0.86 0.62 0.61 0.75 0.56 0.75
Net interest margin 3.38 3.83 3.85 3.71 3.83 2.94 3.38 3.54 2.77 3.36 3.89 4.06
Noninterest income to assets 1.55 1.36 1.15 1.20 1.51 1.70 1.37 1.53 2.00 1.29 1.28 1.66
Noninterest expense to assets 2.59 3.55 3.13 2.77 2.67 2.42 2.54 2.52 2.67 2.46 2.97 2.67
Loan and lease loss provision to assets 0.27 0.10 0.13 0.18 0.45 0.18 0.37 0.27 0.11 0.26 0.14 0.51
Net operating income to assets 1.38 1.10 1.27 1.32 1.47 1.34 1.19 1.50 1.32 1.26 1.43 1.76
Pretax return on assets 1.76 1.24 1.48 1.65 1.90 1.73 1.51 1.92 1.67 1.64 1.74 2.31
Return on assets 1.37 1.09 1.27 1.29 1.47 1.34 1.20 1.50 1.30 1.27 1.42 1.76
Return on equity 12.22 8.18 11.26 11.03 12.10 12.75 9.64 12.43 12.50 12.55 12.34 15.47
Net charge-offs to loans and leases 0.48 0.12 0.11 0.27 0.69 0.43 0.60 0.54 0.25 0.49 0.21 0.70
Loan and lease loss provision to net charge-offs 100.26 140.36 175.71 97.78 105.46 89.84 108.18 87.11 86.38 98.93 103.99 116.60
Efficiency ratio 55.47 72.27 65.80 59.17 52.63 55.31 56.95 52.99 59.31 55.60 60.43 48.30
% of unprofitable institutions 3.79 9.11 2.32 0.94 0.00 0.00 3.70 4.81 5.02 2.90 2.82 4.63
% of institutions with earnings gains 74.12 65.31 75.14 84.46 88.80 100.00 79.11 79.07 72.22 70.40 74.02 76.83
Structural Changes
New reporters 2 2 0 0 0 0 0 1 0 0 1 0
Institutions absorbed by mergers 64 16 39 8 1 0 12 10 11 15 10 6
Failed institutions 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR SECOND QUARTERS
(The way it was...)
Return on assets (%)
2017
1.13 0.94 1.12 1.26 1.14 1.10 0.95 1.20 1.04 1.08 1.28 1.54
2015 1.09 0.95 0.97 1.31 1.04 1.10 0.96 1.10 0.96 1.23 1.15 1.29
2013 1.06 0.77 0.95 1.27 0.88 1.17 0.54 1.02 1.12 1.28 1.17 1.60
Net charge-offs to loans & leases (%)
2017
0.48 0.21 0.12 0.22 0.72 0.44 0.60 0.57 0.24 0.48 0.26 0.66
2015 0.42 0.14 0.14 0.21 0.55 0.45 0.49 0.47 0.25 0.50 0.21 0.49
2013 0.73 0.35 0.37 0.43 0.97 0.72 1.00 0.70 0.48 0.95 0.34 0.58
* See Table IV-A (page 9) for explanations.

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