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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 Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
$10 Billion
To
$250 Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 5,477 1,335 3,369 635 129 9 671 633 1,180 1,397 1,193 403
Commercial banks 4,774 1,185 2,952 513 115 9 350 578 1,011 1,349 1,120 366
Savings institutions 703 150 417 122 14 0 321 55 169 48 73 37
Total assets (in billions) $17,672.8 $79.2 $1,107.7 $1,694.4 $6,036.1 $8,755.4 $3,275.4 $3,654.9 $3,996.3 $3,641.4 $1,119.5 $1,985.3
Commercial banks 16,480.4 70.6 951.4 1,341.2 5,361.8 8,755.4 2,832.3 3,555.2 3,890.1 3,598.4 981.1 1,623.2
Savings institutions 1,192.4 8.6 156.3 353.2 674.3 0.0 443.1 99.7 106.2 42.9 138.4 362.1
Total deposits (in billions) 13,573.7 65.5 922.6 1,353.9 4,583.4 6,648.3 2,477.5 2,880.0 2,938.9 2,798.6 909.3 1,569.5
Commercial banks 12,631.6 59.1 799.3 1,086.2 4,038.7 6,648.3 2,140.3 2,800.7 2,866.2 2,766.0 799.4 1,258.9
Savings institutions 942.1 6.5 123.2 267.7 544.7 0.0 337.1 79.3 72.6 32.6 109.8 310.6
Bank net income (in millions) 61,967 220 3,531 5,962 22,557 29,698 10,468 13,460 12,780 12,537 4,172 8,550
Commercial banks 58,148 196 3,050 4,992 20,212 29,698 9,385 13,205 12,411 12,422 3,733 6,991
Savings institutions 3,819 24 480 970 2,345 0 1,082 255 369 115 439 1,559
Performance Ratios (annualized, %)
Yield on earning assets 4.25 4.52 4.62 4.57 4.83 3.73 4.44 4.29 3.52 4.29 4.63 5.03
Cost of funding earning assets 0.80 0.60 0.71 0.78 0.92 0.74 0.98 0.71 0.71 0.85 0.66 0.87
Net interest margin 3.45 3.92 3.90 3.79 3.91 2.99 3.46 3.59 2.81 3.43 3.97 4.16
Noninterest income to assets 1.52 1.36 1.14 1.19 1.48 1.65 1.36 1.46 1.87 1.31 1.26 1.68
Noninterest expense to assets 2.58 3.58 3.14 2.76 2.68 2.40 2.52 2.52 2.62 2.45 3.00 2.75
Loan and lease loss provision to assets 0.27 0.14 0.14 0.16 0.46 0.18 0.35 0.27 0.09 0.26 0.17 0.57
Net operating income to assets 1.41 1.12 1.28 1.42 1.49 1.37 1.28 1.50 1.29 1.38 1.44 1.74
Pretax return on assets 1.78 1.26 1.50 1.77 1.91 1.73 1.60 1.87 1.66 1.71 1.80 2.28
Return on assets 1.41 1.11 1.28 1.42 1.50 1.36 1.28 1.48 1.29 1.38 1.50 1.74
Return on equity 12.48 8.28 11.26 12.03 12.33 12.91 10.16 12.34 12.33 13.49 12.87 15.44
Net charge-offs to loans and leases 0.45 0.18 0.13 0.19 0.65 0.41 0.55 0.53 0.19 0.48 0.24 0.68
Loan and lease loss provision to net charge-offs 106.27 124.71 152.89 123.47 113.81 90.52 111.84 87.21 97.61 101.02 107.41 134.58
Efficiency ratio 55.12 71.68 65.52 58.13 52.47 54.99 55.70 53.42 59.33 54.38 60.46 48.70
% of unprofitable institutions 3.54 8.76 2.14 0.79 0.00 0.00 3.43 6.00 3.47 2.58 3.19 4.47
% of institutions with earnings gains 72.69 61.50 73.79 86.14 91.47 100.00 78.84 76.30 71.69 67.29 73.01 77.42
Structural Changes
New reporters 1 0 1 0 0 0 0 0 0 0 0 1
Institutions absorbed by mergers 60 19 33 8 0 0 4 8 13 16 12 7
Failed institutions 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2017
1.12 1.02 1.16 1.15 1.21 1.05 0.96 1.11 1.13 1.05 1.20 1.49
2015 1.03 0.95 1.05 1.10 1.00 1.03 0.89 1.02 0.92 1.16 1.15 1.18
2013 0.99 0.73 0.92 1.16 1.11 0.90 1.06 0.94 0.53 1.25 1.06 1.54
Net charge-offs to loans and leases (%)
2017
0.46 0.16 0.13 0.22 0.64 0.46 0.53 0.58 0.25 0.49 0.26 0.59
2015 0.40 0.16 0.15 0.22 0.52 0.42 0.43 0.44 0.27 0.46 0.24 0.51
2013 0.60 0.28 0.34 0.31 0.80 0.59 0.81 0.55 0.46 0.75 0.28 0.50
* See Table IV-A for explanations.