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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table IV-B. First Quarter 2018, FDIC-Insured Community Banks
  All Community Banks First Quarter 2018, Geographic Regions*
1st Quarter 2018 4th Quarter 2017 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.23 4.22 4.04 4.32 4.14 4.27 4.40 4.44
Cost of funding earning assets 0.60 0.56 0.70 0.55 0.57 0.62 0.54 0.47
Net interest margin 3.64 3.66 3.34 3.78 3.57 3.66 3.87 3.97
Noninterest income to assets 0.82 0.88 0.62 0.80 1.16 0.82 0.88 0.66
Noninterest expense to assets 2.75 2.83 2.48 2.96 2.95 2.69 2.88 2.69
Loan and lease loss provision to assets 0.15 0.16 0.22 0.11 0.10 0.13 0.13 0.14
Net operating income to assets 1.10 0.75 0.83 1.01 1.18 1.24 1.29 1.24
Pretax return on assets 1.33 1.31 1.08 1.24 1.44 1.40 1.46 1.59
Return on assets 1.11 0.75 0.85 1.02 1.18 1.23 1.29 1.25
Return on equity 10.00 6.70 7.57 9.42 10.59 11.16 11.72 11.13
Net charge-offs to loans and leases 0.13 0.22 0.21 0.09 0.06 0.09 0.14 0.08
Loan and lease loss provision to net charge-offs 164.44 102.77 137.55 188.42 233.75 198.53 149.37 240.32
Efficiency ratio 64.81 65.37 65.83 68.59 65.47 63.30 64.05 60.84
Net interest income to operating revenue 80.47 79.58 83.40 81.33 74.20 80.70 80.23 84.92
% of unprofitable institutions 4.06 16.53 5.40 5.66 4.57 2.92 3.16 4.92
% of institutions with earnings gains 73.34 46.13 77.57 75.21 69.97 71.57 73.73 80.00
* See Table V-A for explanation