FDIC Quarterly Banking Profile
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. |