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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 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) 116,083 428 6,759 10,724 41,678 56,494 19,155 25,283 25,399 22,452 7,596 16,198
Commercial banks 109,061 375 5,828 9,053 37,312 56,494 17,191 24,821 24,834 22,227 6,601 13,388
Savings institutions 7,022 54 931 1,671 4,366 0 1,965 462 566 226 995 2,809
Performance Ratios (annualized, %)
Yield on earning assets 4.01 4.30 4.40 4.33 4.57 3.50 4.15 4.10 3.30 4.03 4.36 4.76
Cost of funding earning assets 0.65 0.52 0.59 0.64 0.75 0.59 0.80 0.57 0.56 0.70 0.52 0.70
Net interest margin 3.36 3.78 3.80 3.69 3.81 2.91 3.36 3.53 2.73 3.33 3.84 4.06
Noninterest income to assets 1.55 1.35 1.12 1.19 1.52 1.70 1.37 1.49 1.97 1.34 1.26 1.67
Noninterest expense to assets 2.62 3.55 3.11 2.78 2.70 2.46 2.54 2.56 2.67 2.53 2.96 2.73
Loan and lease loss provision to assets 0.28 0.10 0.12 0.19 0.46 0.19 0.37 0.29 0.11 0.26 0.15 0.54
Net operating income to assets 1.33 1.06 1.23 1.30 1.42 1.29 1.17 1.41 1.29 1.22 1.39 1.70
Pretax return on assets 1.69 1.18 1.44 1.63 1.83 1.65 1.48 1.80 1.63 1.57 1.68 2.22
Return on assets 1.33 1.05 1.23 1.28 1.42 1.29 1.17 1.41 1.29 1.23 1.38 1.70
Return on equity 11.83 7.90 10.88 10.98 11.67 12.32 9.47 11.66 12.37 12.16 12.02 14.90
Net charge-offs to loans and leases 0.49 0.14 0.10 0.22 0.71 0.44 0.61 0.55 0.25 0.51 0.21 0.72
Loan and lease loss provision to net charge-offs 101.56 128.45 180.33 119.75 106.09 89.36 107.10 90.63 90.98 95.78 108.27 120.58
Efficiency ratio 56.49 72.97 66.46 59.79 53.49 56.60 57.21 54.66 60.04 57.00 61.12 49.40
% of unprofitable institutions 3.70 9.18 2.12 1.10 0.00 0.00 4.15 5.58 4.94 2.27 2.57 4.63
% of institutions with earnings gains 76.02 65.60 77.52 86.81 92.80 100.00 81.78 79.07 72.97 72.80 76.60 80.00
Condition Ratios (%)
Earning assets to total assets 90.41 92.64 93.21 92.54 91.06 89.17 89.86 89.63 89.23 90.66 91.68 94.02
Loss Allowance to:
Loans and leases 1.25 1.39 1.25 1.11 1.35 1.21 1.28 1.26 1.12 1.30 1.07 1.45
Noncurrent loans and leases 117.73 113.23 146.73 133.19 137.96 97.13 129.76 108.70 106.23 99.60 112.07 205.19
Noncurrent assets plus other real estate owned to assets 0.64 0.99 0.80 0.69 0.63 0.62 0.61 0.72 0.57 0.74 0.76 0.46
Equity capital ratio 11.29 13.36 11.32 11.74 12.14 10.61 12.49 12.08 10.49 10.26 11.55 11.26
Core capital (leverage) ratio 9.74 13.44 11.34 10.86 10.47 8.79 10.49 9.59 9.20 9.21 10.36 10.55
Common equity tier 1 capital ratio 13.14 21.35 15.52 14.12 13.17 12.51 13.47 12.83 13.00 12.41 13.29 14.75
Tier 1 risk-based capital ratio 13.22 21.39 15.54 14.14 13.33 12.56 13.53 12.93 13.05 12.50 13.39 14.90
Total risk-based capital ratio 14.59 22.45 16.63 15.12 14.76 14.02 14.90 14.24 14.22 14.40 14.45 15.96
Net loans and leases to deposits 72.27 71.04 82.25 87.86 79.68 62.55 74.66 72.16 67.84 69.67 80.54 76.84
Net loans and leases to total assets 55.51 59.10 68.55 69.98 60.68 47.43 56.37 56.82 50.12 53.42 65.35 60.89
Domestic deposits to total assets 69.79 83.19 83.34 79.41 73.19 63.70 69.27 76.33 64.91 60.97 81.09 78.36
Structural Changes
New reporters 5 5 0 0 0 0 0 2 0 0 1 2
Institutions absorbed by mergers 129 33 77 18 1 0 23 18 18 26 33 11
Failed institutions 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR FIRST HALVES
(The way it was...)
Number of institutions
2017		 5,787 1,471 3,564 631 112 9 709 693 1,232 1,464 1,253 436
2015 6,348 1,799 3,847 591 102 9 787 788 1,371 1,571 1,338 493
2013 6,940 2,141 4,146 546 100 7 858 884 1,483 1,686 1,468 561
Total assets (in billions)
2017		 $17,069.5 $87.1 $1,159.0 $1,752.2 $5,432.6 $8,638.6 $3,137.2 $3,540.4 $3,890.5 $3,692.3 $1,045.1 $1,763.9
2015 15,753.6 105.7 1,203.2 1,616.8 4,737.8 8,090.2 3,063.0 3,292.1 3,537.0 3,405.9 930.3 1,525.4
2013 14,409.8 124.8 1,256.7 1,413.8 4,702.8 6,911.6 2,855.1 2,980.2 3,344.1 3,087.9 867.2 1,275.3
Return on assets (%)
2017		 1.09 0.93 1.09 1.18 1.10 1.06 0.93 1.10 1.01 1.08 1.22 1.45
2015 1.06 0.92 1.00 1.18 1.04 1.06 0.90 1.04 0.95 1.20 1.09 1.32
2013 1.09 0.76 0.92 1.19 0.99 1.18 0.70 1.07 1.11 1.26 1.14 1.55
Net charge-offs to loans & leases (%)
2017		 0.49 0.17 0.12 0.21 0.71 0.46 0.56 0.58 0.29 0.49 0.27 0.66
2015 0.43 0.14 0.12 0.20 0.54 0.48 0.47 0.50 0.26 0.52 0.19 0.48
2013 0.78 0.31 0.34 0.42 1.01 0.80 1.05 0.76 0.52 1.00 0.35 0.61
Noncurrent assets plus OREO to assets (%)
2017		 0.75 1.06 0.90 0.74 0.71 0.75 0.67 0.88 0.67 0.86 0.86 0.48
2015 1.04 1.35 1.27 1.04 0.80 1.15 0.76 1.28 1.00 1.30 1.09 0.57
2013 1.90 1.90 2.11 2.15 1.17 2.31 1.26 2.77 1.74 2.18 1.86 1.12
Equity capital ratio (%)
2017		 11.33 13.09 11.36 11.82 12.37 10.55 12.46 12.21 10.38 10.08 11.32 12.22
2015 11.23 12.53 11.28 11.84 12.40 10.39 11.74 12.36 10.13 10.32 11.14 12.37
2013 11.16 11.76 10.85 11.78 12.43 10.22 12.00 12.22 9.17 10.83 10.74 13.14

*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

Last Updated 12/10/2018
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