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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 IV-A.First-Half 2018, All FDIC-Insured Institutions
FIRST-HALF
(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) 116,083 8,524 25,826 1,868 37,788 1,966 1,402 711 434 37,564
Commercial banks 109,061 7,487 25,826 1,808 35,540 798 921 338 398 35,944
Savings institutions 7,022 1,037 0 60 2,249 1,167 481 372 35 1,620
Performance Ratios (annualized, %)
Yield on earning assets 4.01 12.05 3.16 4.40 4.14 3.58 4.67 3.28 4.08 3.54
Cost of funding earning assets 0.65 1.79 0.65 0.62 0.63 0.64 0.63 0.39 0.47 0.55
Net interest margin 3.36 10.26 2.51 3.78 3.51 2.94 4.04 2.90 3.61 2.99
Noninterest income to assets 1.55 3.59 2.02 0.63 1.12 1.24 1.44 8.25 0.85 1.47
Noninterest expense to assets 2.62 6.15 2.50 2.52 2.61 2.57 2.94 6.55 2.85 2.29
Loan and lease loss provision to assets 0.28 3.38 0.18 0.14 0.14 -0.01 0.51 0.07 0.11 0.17
Net operating income to assets 1.33 2.71 1.22 1.33 1.24 1.08 1.46 3.64 1.09 1.35
Pretax return on assets 1.69 3.57 1.56 1.49 1.56 1.49 1.76 4.29 1.23 1.73
Return on assets 1.33 2.71 1.22 1.32 1.24 1.10 1.31 3.63 1.08 1.35
Return on equity 11.83 17.96 12.34 11.77 10.44 9.74 12.79 21.84 9.08 12.23
Net charge-offs to loans and leases 0.49 4.02 0.53 0.13 0.17 0.02 0.97 0.10 0.13 0.37
Loan and lease loss provision to net charge-offs 101.56 107.09 90.23 160.56 121.60 -94.09 74.17 251.44 154.50 89.08
Efficiency ratio 56.49 46.45 58.57 60.39 59.90 63.47 53.97 59.88 67.69 53.86
% of unprofitable institutions 3.70 0.00 0.00 2.53 3.14 7.16 7.04 6.91 5.89 0.00
% of institutions with earnings gains 76.02 83.33 100.00 71.01 80.72 69.38 73.24 70.33 69.05 90.20
Condition Ratios (%)
Earning assets to total assets 90.41 92.74 87.86 93.44 90.95 94.43 96.89 92.04 92.95 90.78
Loss Allowance to:
Loans and leases 1.25 4.46 1.31 1.40 1.01 0.71 1.03 1.49 1.29 1.08
Noncurrent loans and leases 117.73 334.66 124.21 125.29 126.16 27.38 161.90 120.63 126.39 80.75
Noncurrent assets plus other real estate owned to assets 0.64 1.05 0.41 0.88 0.65 1.61 0.47 0.44 0.76 0.71
Equity capital ratio 11.29 15.29 10.02 11.31 11.91 11.24 10.35 16.59 11.89 11.12
Core capital (leverage) ratio 9.74 13.47 8.86 11.19 10.24 10.89 10.57 16.32 12.22 9.18
Common equity tier 1 capital ratio 13.14 13.85 13.46 14.68 12.39 21.95 17.12 36.04 20.82 12.93
Tier 1 risk-based capital ratio 13.22 13.95 13.55 14.69 12.47 21.97 17.36 36.05 20.85 13.01
Total risk-based capital ratio 14.59 15.91 14.95 15.81 13.74 22.84 18.36 37.06 21.93 14.47
Net loans and leases to deposits 72.27 127.90 50.89 81.65 89.31 75.99 85.51 34.89 66.00 62.91
Net loans and leases to total assets 55.51 75.05 36.91 67.79 69.98 59.12 69.97 27.88 55.92 50.15
Domestic deposits to total assets 69.79 57.36 48.08 83.02 78.08 77.49 81.81 79.91 84.73 76.56
Structural Changes
New reporters 5 0 0 0 0 0 0 5 0 0
Institutions absorbed by mergers 129 1 0 12 108 2 1 0 3 2
Failed institutions 0 0 0 0 0 0 0 0 0 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2017
5,787 12 5 1,418 2,958 454 60 276 546 58
2015 6,348 14 4 1,484 3,146 545 55 353 681 66
2013 6,940 16 4 1,521 3,455 603 47 416 810 68
Total assets (in billions)
2017
$17,069.5 $505.5 $4,194.3 $280.9 $5,911.7 $359.5 $261.7 $48.0 $97.0 $5,410.8
2015 15,753.6 510.3 3,747.4 258.3 5,194.6 445.4 178.4 60.6 122.6 5,236.1
2013 14,409.8 590.5 3,650.4 236.0 4,723.8 562.0 103.9 64.1 143.9 4,335.2
Return on assets (%)
2017
1.09 2.05 0.95 1.20 1.03 0.90 1.10 2.83 0.92 1.16
2015 1.06 2.95 0.92 1.19 0.93 0.86 1.15 1.12 0.99 1.11
2013 1.09 3.19 1.00 1.17 0.87 1.01 1.60 1.73 0.94 1.11
Net charge-offs to loans & leases (%)
2017
0.49 3.97 0.58 0.15 0.21 0.05 0.62 0.15 0.14 0.40
2015 0.43 2.78 0.59 0.07 0.16 0.14 0.59 0.17 0.17 0.40
2013 0.78 3.37 1.12 0.12 0.49 0.42 1.13 0.44 0.33 0.55
Noncurrent assets plus OREO to assets (%)
2017
0.75 1.06 0.50 0.84 0.76 1.63 0.62 0.50 0.92 0.83
2015 1.04 0.74 0.76 0.80 0.96 1.94 1.03 0.69 1.27 1.28
2013 1.90 0.92 1.28 1.03 1.94 2.30 0.89 1.00 1.60 2.56
Equity capital ratio (%)
2017
11.33 15.91 9.90 11.47 12.04 11.13 10.28 15.28 11.88 11.23
2015 11.23 14.83 9.78 11.40 11.96 11.51 10.26 15.12 11.71 11.13
2013 11.16 15.10 8.86 11.01 11.85 11.23 9.84 14.42 11.32 11.79

*Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive):

Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.
International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices.
Agricultural Banks - Banks whose agricultural production loans plus real estate loans secured by farmland exceed 25 percent of total loans and leases.
Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties exceed 25 percent of total assets.
Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets.
Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets.
Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets.
All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.
All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations.

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