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Federal Deposit
Insurance Corporation

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

FDIC Quarterly Banking Profile

FDIC Third Quarter of 2018 Banking Profile - All FDIC-Insured Institutions
TABLE III-A. Third Quarter 2018, All FDIC-Insured Institutions
Third Quarter
(The way it is...)
All Insured
Institutions
Asset Concentration Groups*
Credit Card
Institutions
International
Banks
Agricultural
Banks
Commercial
Lenders
Mortgage
Lenders
Consumer
Lenders
Other
Specialized
< $1 Billion
All Other
< $1 Billion
All Other
> $1 Billion
Number of institutions reporting 5,477 12 5 1,367 2,877 408 70 232 454 52
Commercial banks 4,774 11 5 1,354 2,577 114 51 207 415 40
Savings institutions 703 1 0 13 300 294 19 25 39 12
Total assets (in billions) $17,672.8 $640.0 $4,245.9 $285.3 $6,232.7 $352.0 $212.8 $35.7 $78.3 $5,590.1
Commercial banks 16,480.4 549.8 4,245.9 279.1 5,766.0 105.8 107.2 31.3 70.2 5,325.0
Savings institutions 1,192.4 90.2 0.0 6.3 466.7 246.2 105.6 4.4 8.1 265.1
Total deposits (in billions) 13,573.7 377.0 3,072.2 233.6 4,883.0 274.5 173.7 28.2 66.2 4,465.3
Commercial banks 12,631.6 312.9 3,072.2 230.5 4,533.3 85.4 85.6 25.3 59.7 4,226.6
Savings institutions 942.1 64.1 0.0 3.1 349.7 189.1 88.1 2.9 6.4 238.7
Bank net income (in millions) 61,967 4,885 12,785 1,005 20,263 1,085 734 343 238 20,628
Commercial banks 58,148 4,336 12,785 961 19,063 451 457 154 222 19,718
Savings institutions 3,819 549 0 44 1,200 635 276 189 16 910
Performance Ratios (annualized, %)
Yield on earning assets 4.25 12.79 3.41 4.65 4.37 3.78 5.16 3.46 4.28 3.73
Cost of funding earning assets 0.80 2.05 0.82 0.75 0.78 0.79 0.79 0.46 0.55 0.68
Net interest margin 3.45 10.74 2.59 3.89 3.59 3.00 4.37 3.00 3.73 3.05
Noninterest income to assets 1.52 3.75 1.91 0.64 1.08 1.27 1.26 8.98 1.06 1.48
Noninterest expense to assets 2.58 6.30 2.45 2.53 2.60 2.59 3.08 6.96 3.03 2.20
Loan and lease loss provision to assets 0.27 3.29 0.16 0.14 0.14 -0.02 0.52 0.12 0.10 0.17
Net operating income to assets 1.41 3.13 1.21 1.42 1.30 1.22 1.38 3.85 1.22 1.49
Pretax return on assets 1.78 4.05 1.57 1.60 1.61 1.57 1.86 4.66 1.39 1.88
Return on assets 1.41 3.09 1.21 1.42 1.31 1.24 1.38 3.85 1.21 1.48
Return on equity 12.48 20.19 12.08 12.54 10.95 11.27 13.10 22.75 10.12 13.37
Net charge-offs to loans and leases 0.45 3.70 0.44 0.13 0.17 0.01 0.69 0.21 0.14 0.37
Loan and lease loss provision to net charge-offs 106.27 112.64 96.93 157.06 120.73 -329.14 106.16 200.84 126.40 90.34
Efficiency ratio 55.12 45.50 58.04 58.86 59.16 62.42 55.41 59.28 66.76 50.96
% of unprofitable institutions 3.54 0.00 0.00 2.19 3.44 7.35 7.14 5.60 3.30 3.85
% of institutions with earnings gains 72.69 91.67 100.00 65.40 77.23 66.67 68.57 70.26 70.48 88.46
Structural Changes
New reporters 1 0 0 0 0 1 0 0 0 0
Institutions absorbed by mergers 60 0 0 12 43 4 1 0 0 0
Failed institutions 0 0 0 0 0 0 0 0 0 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2017
1.12 2.21 1.01 1.34 1.13 0.97 1.23 3.06 0.98 1.07
2015 1.03 2.83 0.84 0.37 1.00 0.57 1.08 2.56 0.76 1.08
2013 0.99 3.38 0.52 1.24 0.99 0.92 1.04 1.98 0.85 1.07
Net charge-offs to loans and leases (%)
2017
0.46 3.75 0.54 0.10 0.20 0.03 0.56 0.25 0.15 0.40
2015 0.40 2.61 0.49 0.08 0.20 0.12 0.58 0.19 0.18 0.37
2013 0.60 2.91 0.86 0.09 0.35 0.30 0.68 0.46 0.31 0.42
* See Table IV-A (page 8) for explanations.