FDIC Quarterly Banking Profile
TABLE IV-A.First Three Quarters 2018, All FDIC-Insured Institutions | ||||||||||
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FIRST THREE QUARTERS (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 |
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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) | 177,906 | 13,409 | 38,611 | 2,855 | 57,991 | 3,016 | 2,290 | 1,021 | 683 | 58,031 |
Commercial banks | 167,080 | 11,823 | 38,611 | 2,750 | 54,555 | 1,275 | 1,375 | 459 | 635 | 55,597 |
Savings institutions | 10,825 | 1,586 | 0 | 104 | 3,437 | 1,742 | 914 | 561 | 48 | 2,434 |
Performance Ratios (annualized, %) | ||||||||||
Yield on earning assets | 4.09 | 12.27 | 3.24 | 4.48 | 4.22 | 3.66 | 4.94 | 3.32 | 4.14 | 3.59 |
Cost of funding earning assets | 0.70 | 1.87 | 0.71 | 0.67 | 0.68 | 0.70 | 0.69 | 0.42 | 0.50 | 0.59 |
Net interest margin | 3.38 | 10.40 | 2.54 | 3.81 | 3.54 | 2.96 | 4.25 | 2.91 | 3.64 | 3.00 |
Noninterest income to assets | 1.54 | 3.63 | 1.98 | 0.63 | 1.10 | 1.24 | 1.32 | 8.80 | 1.04 | 1.48 |
Noninterest expense to assets | 2.61 | 6.19 | 2.48 | 2.52 | 2.60 | 2.58 | 2.97 | 6.81 | 2.99 | 2.25 |
Loan and lease loss provision to assets | 0.27 | 3.35 | 0.17 | 0.14 | 0.14 | -0.01 | 0.52 | 0.08 | 0.11 | 0.17 |
Net operating income to assets | 1.36 | 2.85 | 1.21 | 1.35 | 1.26 | 1.12 | 1.46 | 3.84 | 1.16 | 1.39 |
Pretax return on assets | 1.72 | 3.72 | 1.56 | 1.52 | 1.58 | 1.50 | 1.92 | 4.58 | 1.33 | 1.78 |
Return on assets | 1.36 | 2.83 | 1.22 | 1.35 | 1.27 | 1.14 | 1.46 | 3.84 | 1.16 | 1.39 |
Return on equity | 12.05 | 18.70 | 12.26 | 12.00 | 10.60 | 10.35 | 14.00 | 22.62 | 9.73 | 12.56 |
Net charge-offs to loans and leases | 0.48 | 3.90 | 0.50 | 0.13 | 0.17 | 0.01 | 0.74 | 0.14 | 0.13 | 0.38 |
Loan and lease loss provision to net charge-offs | 103.09 | 108.85 | 92.22 | 161.76 | 120.95 | -130.07 | 99.33 | 213.63 | 148.85 | 87.55 |
Efficiency ratio | 56.01 | 46.12 | 58.40 | 59.82 | 59.61 | 63.19 | 53.92 | 59.28 | 67.34 | 52.90 |
% of unprofitable institutions | 3.30 | 0.00 | 0.00 | 2.41 | 3.02 | 6.37 | 4.29 | 6.03 | 3.74 | 1.92 |
% of institutions with earnings gains | 76.72 | 91.67 | 100.00 | 70.96 | 81.75 | 68.14 | 74.29 | 73.28 | 70.04 | 88.46 |
Condition Ratios (%) | ||||||||||
Earning assets to total assets | 90.30 | 92.53 | 87.41 | 93.29 | 90.92 | 94.62 | 95.25 | 91.92 | 92.90 | 90.91 |
Loss Allowance to: | ||||||||||
Loans and leases | 1.24 | 4.43 | 1.30 | 1.39 | 1.00 | 0.69 | 1.04 | 1.57 | 1.27 | 1.06 |
Noncurrent loans and leases | 122.19 | 312.23 | 134.58 | 123.85 | 124.51 | 32.00 | 156.77 | 116.09 | 119.59 | 85.92 |
Noncurrent assets plus other real estate owned to assets | 0.62 | 1.13 | 0.37 | 0.89 | 0.65 | 1.39 | 0.49 | 0.46 | 0.77 | 0.65 |
Equity capital ratio | 11.28 | 15.27 | 9.98 | 11.32 | 11.96 | 11.00 | 10.67 | 16.85 | 12.08 | 11.06 |
Core capital (leverage) ratio | 9.77 | 13.48 | 8.91 | 11.26 | 10.27 | 10.72 | 10.86 | 16.75 | 12.40 | 9.17 |
Common equity tier 1 capital ratio | 13.17 | 13.67 | 13.45 | 14.63 | 12.44 | 21.12 | 17.22 | 36.98 | 20.97 | 13.04 |
Tier 1 risk-based capital ratio | 13.25 | 13.78 | 13.55 | 14.64 | 12.53 | 21.14 | 17.46 | 37.00 | 20.99 | 13.11 |
Total risk-based capital ratio | 14.62 | 15.78 | 14.93 | 15.76 | 13.80 | 22.00 | 18.48 | 38.03 | 22.11 | 14.54 |
Net loans and leases to deposits | 72.31 | 128.98 | 50.76 | 83.76 | 89.69 | 78.60 | 87.19 | 34.60 | 67.14 | 62.11 |
Net loans and leases to total assets | 55.54 | 75.98 | 36.73 | 68.59 | 70.27 | 61.30 | 71.18 | 27.34 | 56.72 | 49.61 |
Domestic deposits to total assets | 69.72 | 57.94 | 48.04 | 81.88 | 78.06 | 77.70 | 81.62 | 79.01 | 84.48 | 76.40 |
Structural Changes | ||||||||||
New reporters | 6 | 0 | 0 | 0 | 0 | 1 | 0 | 5 | 0 | 0 |
Institutions absorbed by mergers | 189 | 1 | 0 | 24 | 151 | 6 | 2 | 0 | 3 | 2 |
Failed institutions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PRIOR FIRST THREE QUARTERS (The way it was...) |
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Number of institutions 2017 |
5,738 | 11 | 5 | 1,422 | 2,943 | 445 | 62 | 271 | 520 | 59 |
2015 | 6,270 | 14 | 4 | 1,494 | 3,125 | 515 | 56 | 337 | 663 | 62 |
2013 | 6,891 | 17 | 4 | 1,536 | 3,433 | 597 | 47 | 400 | 791 | 66 |
Total assets (in billions) 2017 |
$17,242.5 | $518.3 | $4,205.0 | $285.0 | $5,867.7 | $366.0 | $260.4 | $46.0 | $90.6 | $5,603.4 |
2015 | 15,800.1 | 519.5 | 3,836.6 | 274.8 | 5,508.8 | 416.3 | 184.3 | 54.9 | 118.3 | 4,886.7 |
2013 | 14,603.6 | 596.3 | 3,729.4 | 243.9 | 4,773.6 | 554.0 | 149.3 | 63.9 | 137.9 | 4,355.3 |
Return on assets (%) 2017 |
1.10 | 2.09 | 0.97 | 1.24 | 1.06 | 1.02 | 1.15 | 2.99 | 0.96 | 1.12 |
2015 | 1.05 | 2.91 | 0.88 | 0.91 | 0.99 | 0.74 | 1.12 | 2.60 | 0.50 | 1.08 |
2013 | 1.06 | 3.26 | 0.83 | 1.19 | 0.91 | 0.98 | 1.28 | 1.74 | 0.87 | 1.10 |
Net charge-offs to loans & leases (%) 2017 |
0.48 | 3.90 | 0.56 | 0.14 | 0.21 | 0.09 | 0.60 | 0.19 | 0.14 | 0.39 |
2015 | 0.42 | 2.72 | 0.56 | 0.08 | 0.19 | 0.13 | 0.58 | 0.18 | 0.17 | 0.38 |
2013 | 0.72 | 3.21 | 1.03 | 0.11 | 0.44 | 0.37 | 0.77 | 0.61 | 0.32 | 0.51 |
Noncurrent assets plus OREO to assets (%) 2017 |
0.73 | 1.19 | 0.48 | 0.86 | 0.74 | 1.56 | 0.37 | 0.54 | 0.86 | 0.80 |
2015 | 0.99 | 0.83 | 0.72 | 0.75 | 0.96 | 1.95 | 1.00 | 0.70 | 1.16 | 1.19 |
2013 | 1.75 | 0.90 | 1.13 | 0.98 | 1.81 | 2.16 | 0.66 | 0.95 | 1.56 | 2.37 |
Equity capital ratio (%) 2017 |
11.31 | 15.69 | 9.97 | 11.56 | 12.07 | 11.28 | 10.10 | 15.88 | 11.91 | 11.12 |
2015 | 11.33 | 14.83 | 9.98 | 11.49 | 11.81 | 11.63 | 10.22 | 15.52 | 12.10 | 11.42 |
2013 | 11.11 | 14.89 | 8.80 | 11.01 | 11.81 | 11.40 | 9.64 | 13.71 | 11.34 | 11.77 |
*Asset Concentration Group Definitions (Groups are hierarchical and mutually exclusive): Credit-card Lenders - Institutions whose credit-card loans plus securitized receivables exceed 50 percent of total assets plus securitized receivables.International Banks - Banks with assets greater than $10 billion and more than 25 percent of total assets in foreign offices. Agricultural Banks - Banks whose agricultural production loans plus real estate loans secured by farmland exceed 25 percent of total loans and leases. Commercial Lenders - Institutions whose commercial and industrial loans, plus real estate construction and development loans, plus loans secured by commercial real estate properties exceed 25 percent of total assets. Mortgage Lenders - Institutions whose residential mortgage loans, plus mortgage-backed securities, exceed 50 percent of total assets. Consumer Lenders - Institutions whose residential mortgage loans, plus credit-card loans, plus other loans to individuals, exceed 50 percent of total assets. Other Specialized < $1 Billion - Institutions with assets less than $1 billion, whose loans and leases are less than 40 percent of total assets. All Other < $1 Billion - Institutions with assets less than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations. All Other > $1 Billion - Institutions with assets greater than $1 billion that do not meet any of the definitions above, they have significant lending activity with no identified asset concentrations. |