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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 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) 177,906 629 10,184 16,416 64,486 86,191 29,618 38,729 38,149 34,964 11,756 24,690
Commercial banks 167,080 550 8,788 13,809 57,741 86,191 26,570 38,026 37,217 34,623 10,321 20,323
Savings institutions 10,825 78 1,396 2,606 6,744 0 3,048 704 932 341 1,434 4,367
Performance Ratios (annualized, %)
Yield on earning assets 4.09 4.36 4.46 4.41 4.65 3.57 4.25 4.16 3.37 4.11 4.45 4.85
Cost of funding earning assets 0.70 0.55 0.63 0.68 0.81 0.64 0.86 0.62 0.61 0.75 0.57 0.76
Net interest margin 3.38 3.82 3.83 3.72 3.84 2.94 3.39 3.54 2.75 3.36 3.89 4.09
Noninterest income to assets 1.54 1.36 1.13 1.18 1.51 1.68 1.37 1.48 1.93 1.33 1.26 1.68
Noninterest expense to assets 2.61 3.55 3.11 2.77 2.70 2.44 2.54 2.55 2.65 2.50 2.97 2.74
Loan and lease loss provision to assets 0.27 0.13 0.13 0.18 0.46 0.18 0.36 0.28 0.11 0.26 0.16 0.55
Net operating income to assets 1.36 1.07 1.24 1.34 1.45 1.31 1.21 1.44 1.29 1.27 1.41 1.72
Pretax return on assets 1.72 1.20 1.46 1.67 1.86 1.68 1.52 1.83 1.64 1.62 1.72 2.24
Return on assets 1.36 1.06 1.25 1.33 1.45 1.32 1.21 1.43 1.29 1.28 1.42 1.72
Return on equity 12.05 7.96 10.97 11.33 11.89 12.52 9.70 11.90 12.36 12.61 12.31 15.05
Net charge-offs to loans and leases 0.48 0.17 0.11 0.21 0.69 0.43 0.59 0.54 0.23 0.50 0.22 0.71
Loan and lease loss provision to net charge-offs 103.09 131.15 170.25 121.25 108.54 89.72 108.60 89.52 92.89 97.48 108.17 125.16
Efficiency ratio 56.01 72.51 66.07 59.19 53.17 56.07 56.69 54.21 59.79 56.12 60.87 49.12
% of unprofitable institutions 3.30 8.46 1.90 0.63 0.00 0.00 3.28 5.21 4.24 2.22 2.43 3.97
% of institutions with earnings gains 76.72 65.84 77.98 89.45 92.25 100.00 83.61 81.67 72.97 73.51 76.36 80.65
Condition Ratios (%)
Earning assets to total assets 90.30 92.62 93.19 92.40 91.01 89.02 89.74 89.81 89.12 90.26 91.39 94.01
Loss Allowance to:
Loans and leases 1.24 1.39 1.25 1.10 1.35 1.19 1.29 1.23 1.10 1.29 1.06 1.46
Noncurrent loans and leases 122.19 110.83 149.68 134.28 139.27 103.32 130.85 114.55 112.07 103.83 109.25 210.13
Noncurrent assets plus other real estate owned to assets 0.62 1.01 0.77 0.68 0.63 0.57 0.61 0.66 0.54 0.71 0.76 0.45
Equity capital ratio 11.28 13.48 11.41 11.85 12.21 10.49 12.67 11.95 10.38 10.21 11.68 11.31
Core capital (leverage) ratio 9.77 13.64 11.46 10.96 10.50 8.77 10.66 9.53 9.22 9.19 10.44 10.51
Common equity tier 1 capital ratio 13.17 21.47 15.66 14.20 13.24 12.48 13.63 12.78 12.96 12.43 13.39 14.80
Tier 1 risk-based capital ratio 13.25 21.51 15.69 14.22 13.40 12.53 13.70 12.88 13.00 12.51 13.49 14.93
Total risk-based capital ratio 14.62 22.57 16.78 15.20 14.82 13.98 15.12 14.15 14.17 14.38 14.54 16.00
Net loans and leases to deposits 72.31 72.44 82.65 88.41 80.61 61.88 75.24 71.54 68.03 69.25 81.01 77.57
Net loans and leases to total assets 55.54 59.95 68.84 70.64 61.21 46.99 56.91 56.37 50.03 53.22 65.80 61.32
Domestic deposits to total assets 69.72 82.76 83.28 79.65 73.22 63.56 70.02 76.06 64.09 61.10 81.17 78.27
Structural Changes
New reporters 6 5 1 0 0 0 0 2 0 0 1 3
Institutions absorbed by mergers 189 52 110 26 1 0 27 26 31 42 45 18
Failed institutions 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR FIRST THREE QUARTERS
(The way it was...)
Number of institutions
2017
5,738 1,444 3,538 631 116 9 705 683 1,221 1,449 1,246 434
2015 6,270 1,752 3,812 596 102 8 780 778 1,351 1,559 1,319 483
2013 6,891 2,116 4,107 561 100 7 854 875 1,480 1,675 1,454 553
Total assets (in billions)
2017
$17,242.5 $85.7 $1,154.8 $1,729.8 $5,574.9 $8,697.3 $3,186.2 $3,584.3 $3,902.6 $3,687.4 $1,067.3 $1,814.6
2015 15,800.1 102.7 1,194.9 1,642.8 5,053.2 7,806.6 3,018.8 3,324.0 3,531.9 3,436.7 940.8 1,548.0
2013 14,603.6 123.5 1,245.5 1,453.0 4,726.0 7,055.7 2,876.9 2,981.8 3,398.6 3,166.6 864.0 1,315.8
Return on assets (%)
2017
1.10 0.97 1.11 1.16 1.13 1.06 0.94 1.10 1.05 1.07 1.21 1.45
2015 1.05 0.89 1.01 1.15 1.01 1.06 0.90 1.03 0.94 1.18 1.11 1.28
2013 1.06 0.76 0.92 1.18 1.03 1.08 0.82 1.03 0.91 1.26 1.12 1.54
Net charge-offs to loans & leases (%)
2017
0.48 0.17 0.12 0.21 0.68 0.46 0.55 0.58 0.28 0.49 0.26 0.64
2015 0.42 0.15 0.13 0.21 0.53 0.46 0.46 0.48 0.26 0.50 0.20 0.49
2013 0.72 0.30 0.34 0.38 0.94 0.73 0.97 0.69 0.50 0.91 0.33 0.58
Noncurrent assets plus OREO to assets (%)
2017
0.73 1.09 0.88 0.71 0.70 0.72 0.64 0.86 0.64 0.85 0.83 0.48
2015 0.99 1.30 1.20 0.99 0.74 1.12 0.76 1.19 0.96 1.22 1.07 0.53
2013 1.75 1.83 1.98 1.96 1.10 2.09 1.20 2.48 1.54 2.08 1.72 1.03
Equity capital ratio (%) 2017 11.31 13.31 11.42 11.89 12.23 10.57 12.48 12.15 10.45 10.08 11.47 11.86
2015 11.33 12.83 11.35 11.92 12.19 10.63 11.99 12.44 10.35 10.28 11.26 12.28
2013 11.11 11.82 10.83 11.76 12.44 10.12 12.00 12.30 9.13 10.64 10.87 12.85
* Regions:

*REGIONS:

Atlanta: Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia
Chicago: Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin
Dallas: Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas
Kansas City: Iowa, Kansas, Minnesota, Missouri, North Dakota, Nebraska, South Dakota
New York: Connecticut, District of Columbia, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Puerto Rico, Virgin Islands
San Francisco: Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming