FDIC Quarterly Banking Profile

FDIC Second Quarter of 2018 Banking Profile - All FDIC-Insured Community Banks
Table IV-B. Second Quarter 2018, FDIC-Insured Community Banks
	All Community Banks		Second Quarter 2018, Geographic Regions*
	2nd Quarter 2018	1st Quarter 2018	New York	Atlanta	Chicago	Kansas City	Dallas	San Francisco
Performance ratios (annualized, %)
Yield on earning assets	4.35	4.23	4.18	4.49	4.17	4.43	4.55	4.55
Cost of funding earning assets	0.66	0.60	0.80	0.59	0.59	0.69	0.60	0.54
Net interest margin	3.69	3.64	3.38	3.89	3.58	3.74	3.95	4.01
Noninterest income to assets	0.86	0.83	0.65	0.83	1.21	0.86	0.92	0.68
Noninterest expense to assets	2.75	2.75	2.46	3.02	2.93	2.71	2.89	2.73
Loan and lease loss provision to assets	0.12	0.15	0.11	0.11	0.09	0.15	0.15	0.12
Net operating income to assets	1.20	1.10	0.97	1.09	1.28	1.32	1.37	1.27
Pretax return on assets	1.41	1.33	1.27	1.30	1.36	1.51	1.54	1.60
Return on assets	1.17	1.11	0.99	1.08	1.11	1.32	1.36	1.27
Return on equity	10.53	9.98	8.81	9.87	9.98	11.98	12.37	11.16
Net charge-offs to loans and leases	0.15	0.13	0.10	0.09	0.31	0.11	0.15	0.11
Loan and lease loss provision to net charge-offs	113.55	164.17	138.08	169.19	41.32	184.54	149.72	159.48
Efficiency ratio	63.52	64.82	64.06	67.86	64.02	61.72	62.79	61.15
Net interest income to operating revenue	80.10	80.43	83.06	81.34	73.37	80.20	79.98	84.74
% of unprofitable institutions	3.99	4.24	4.10	5.08	5.32	2.94	2.83	5.64
% of institutions with earnings gains	73.35	73.21	78.63	78.00	71.34	70.05	73.54	75.55
* See Table V-A for explanation.

Federal Deposit
Insurance Corporation