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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 Community Banks
Table IV-B. Third Quarter 2018, FDIC-Insured Community Banks
  All Community Banks Third Quarter 2018, Geographic Regions*
3rd Quarter 2018 2nd Quarter 2018 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.49 4.35 4.29 4.62 4.35 4.57 4.70 4.69
Cost of funding earning assets 0.75 0.66 0.90 0.69 0.70 0.77 0.68 0.57
Net interest margin 3.74 3.69 3.39 3.92 3.65 3.80 4.02 4.11
Noninterest income to assets 0.84 0.86 0.64 0.74 1.22 0.86 0.90 0.70
Noninterest expense to assets 2.73 2.75 2.39 3.00 2.93 2.70 2.92 2.78
Loan and lease loss provision to assets 0.11 0.12 0.09 0.11 0.10 0.13 0.14 0.11
Net operating income to assets 1.24 1.20 1.06 1.03 1.34 1.37 1.39 1.33
Pretax return on assets 1.48 1.41 1.35 1.27 1.57 1.57 1.57 1.67
Return on assets 1.24 1.17 1.07 1.03 1.31 1.37 1.39 1.33
Return on equity 11.06 10.51 9.47 9.35 11.69 12.37 12.45 11.45
Net charge-offs to loans and leases 0.10 0.15 0.10 0.12 0.08 0.11 0.14 0.05
Loan and lease loss provision to net charge-offs 152.13 114.30 121.64 132.04 166.21 163.16 156.72 297.78
Efficiency ratio 62.69 63.53 62.20 68.02 62.90 61.02 62.66 60.65
Net interest income to operating revenue 80.53 80.10 83.28 83.01 73.62 80.58 80.56 84.60
% of unprofitable institutions 3.69 4.21 3.79 6.03 3.60 2.61 3.32 5.43
% of institutions with earnings gains 71.65 73.21 77.07 75.00 70.50 66.94 72.85 75.40
*See Table V-A for explanation.

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