FDIC Quarterly Banking Profile

FDIC Second Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
Table V-B. First-Half 2018, FDIC-Insured Community Banks
	All Community Banks		First Half 2018, Geographic Regions*
	First Half 2018	First Half 2017	New York	Atlanta	Chicago	Kansas City	Dallas	San Francisco
Performance ratios (%)
Yield on earning assets	4.29	4.07	4.12	4.42	4.14	4.35	4.47	4.50
Cost of funding earning assets	0.63	0.49	0.75	0.56	0.58	0.65	0.56	0.51
Net interest margin	3.66	3.58	3.36	3.86	3.57	3.70	3.91	3.99
Noninterest income to assets	0.84	0.88	0.64	0.82	1.19	0.84	0.90	0.67
Noninterest expense to assets	2.75	2.74	2.47	3.00	2.94	2.69	2.89	2.71
Loan and lease loss provision to assets	0.13	0.14	0.16	0.11	0.09	0.14	0.14	0.13
Net operating income to assets	1.15	1.01	0.90	1.06	1.22	1.28	1.33	1.26
Pretax return on assets	1.37	1.35	1.18	1.28	1.40	1.46	1.50	1.60
Return on assets	1.14	1.03	0.92	1.06	1.14	1.28	1.32	1.26
Return on equity	10.26	9.23	8.22	9.66	10.23	11.59	12.02	11.17
Net charge-offs to loans and leases	0.14	0.15	0.16	0.09	0.19	0.10	0.14	0.10
Loan and lease loss provision to net charge-offs	136.97	141.75	137.02	179.18	71.04	194.89	150.07	195.83
Efficiency ratio	64.12	64.81	64.85	68.08	64.80	62.43	63.48	60.93
Net interest income to operating revenue	80.23	79.19	83.12	81.31	73.68	80.44	80.06	84.81
% of unprofitable institutions	3.89	4.33	4.62	5.92	5.15	2.35	2.65	5.33
% of institutions with earnings gains	75.17	60.72	80.85	78.17	72.05	72.55	76.02	78.37
* See Table V-A for explanation.

Federal Deposit
Insurance Corporation