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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 IV-A.First Three Quarters 2018, All FDIC-Insured Institutions
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
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...)
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.