FDIC Quarterly Banking Profile
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. |