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FDIC Quarterly Banking Profile

FDIC Third Quarter of 2018 Banking Profile - FDIC-Insured Savings Institutions
TABLE III-B. First Three Quarters 2018, FDIC-Insured Savings Institutions
FIRST THREE QUARTERS
(The way it is...)
All
Institutions
Asset Size Distribution Geographic Regions*
Less
Than $100
Million
$100 Million
To
$1 Billion
$1 Billion
To
$10 Billion
Greater
Than $10
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 703 150 417 122 14 321 55 169 48 73 37
Total assets (in billions) $1,192.4 $8.6 $156.3 $353.2 $674.3 $443.1 $99.7 $106.2 $42.9 $138.4 $362.1
Total deposits (in billions) 942.1 6.5 123.2 267.7 544.7 337.1 79.3 72.6 32.6 109.8 310.6
Net income (in millions) 10,825.4 78.3 1,396.3 2,606.3 6,744.5 3,048.3 703.6 931.7 340.6 1,434.3 4,366.9
% of unprofitable institutions 6.7 18.7 4.3 0.8 0.0 2.8 10.9 14.8 8.3 1.4 5.4
% of institutions with earnings gains 72.8 58.0 74.3 85.2 78.6 80.7 69.1 59.2 68.8 68.5 86.5
Performance ratios (annualized, %)
Yield on earning assets 4.55 4.12 4.12 3.99 4.95 3.92 3.40 3.90 4.12 4.77 5.81
Cost of funding earning assets 0.73 0.74 0.73 0.77 0.71 0.85 0.59 0.97 0.81 0.43 0.65
Net interest margin 3.83 3.39 3.40 3.23 4.24 3.07 2.81 2.93 3.32 4.35 5.16
Noninterest income to earning assets 1.08 5.27 2.34 1.03 0.76 0.74 0.67 3.35 1.52 2.34 0.41
Noninterest expense to earning assets 2.63 6.97 4.03 2.69 2.22 2.49 2.27 4.21 3.09 4.38 1.71
Loan and lease loss provision to assets 0.52 0.02 0.09 0.10 0.85 0.06 -0.09 0.13 0.20 0.40 1.50
Net operating income to assets 1.26 1.25 1.18 1.07 1.39 0.90 0.93 1.43 1.13 1.41 1.73
Pretax return on assets 1.63 1.50 1.53 1.32 1.82 1.20 1.25 1.57 1.41 1.77 2.29
Return on assets 1.25 1.21 1.21 1.01 1.39 0.93 0.95 1.18 1.10 1.41 1.73
Return on equity 11.62 6.50 9.14 8.46 14.71 7.83 9.04 9.97 9.07 13.69 19.13
Net charge-offs to loans and leases 0.80 0.05 0.09 0.20 1.59 0.07 -0.09 0.48 0.29 0.79 3.64
Loan and lease loss provision to net charge-offs 112.16 82.45 144.21 66.19 116.41 123.87 238.14 36.09 97.53 84.70 124.42
Efficiency ratio 52.98 80.45 70.16 62.66 43.53 65.12 64.15 66.89 63.28 64.21 29.83
Condition Ratios (%)
Earning assets to total assets 94.55 92.59 93.37 93.10 95.62 92.97 93.33 93.87 93.14 92.43 98.01
Loss allowance to:
Loans and leases 1.59 1.02 0.94 0.82 2.49 0.82 0.65 0.85 0.80 1.30 4.94
Noncurrent loans and leases 106.18 81.78 121.44 112.87 102.89 144.12 7.25 98.52 120.69 49.19 325.84
Noncurrent assets plus other real estate owned to assets 0.90 1.03 0.67 0.58 1.12 0.47 3.51 0.72 0.60 1.66 0.50
Noncurrent RE loans to RE loans 1.58 1.24 0.78 0.63 3.54 0.55 11.12 0.97 0.52 4.75 0.35
Equity capital ratio 10.74 18.79 13.25 12.05 9.37 11.90 10.61 11.85 12.33 10.57 8.90
Core capital (leverage) ratio 10.32 18.78 13.28 11.54 8.88 11.09 9.57 11.50 11.55 10.62 8.98
Common equity tier 1 capital ratio 16.81 35.10 20.18 15.98 16.20 15.20 26.01 18.20 16.86 15.68 17.84
Tier 1 risk-based capital ratio 16.85 35.10 20.18 15.99 16.27 15.20 26.01 18.20 16.86 16.00 17.85
Total risk-based capital ratio 17.73 36.09 21.24 16.88 17.08 16.13 26.67 19.16 17.59 17.10 18.54
Gross real estate assets to gross assets 62.16 68.15 73.32 71.21 54.80 73.86 76.44 68.81 69.07 41.47 49.22
Gross 1-4 family mortgages to gross assets 21.95 48.04 41.68 32.15 11.75 28.60 24.28 45.56 38.29 15.34 6.99
Net loans and leases to deposits 71.40 84.02 91.86 95.25 54.90 97.74 47.94 108.25 92.40 75.82 36.43
Structural Changes (YTD)
New reporters 1 0 1 0 0 0 0 0 0 0 1
Thrifts absorbed by mergers 23 6 12 4 1 9 3 6 0 4 1
Failed Thrifts 0 0 0 0 0 0 0 0 0 0 0
PRIOR FIRST THREE QUARTERS
(The way it was...)
Number of institutions
2017
767 177 456 119 15 339 64 198 49 80 37
2015 860 210 523 110 17 377 73 222 62 83 43
2013 982 246 603 115 18 416 87 253 75 99 52
Total assets (in billions)
2017
$1,184.2 $10.1 $169.8 $335.3 $669.1 $447.3 $99.1 $111.7 $40.7 $132.5 $352.9
2015 1,073.6 11.8 185.4 284.3 592.1 447.2 73.3 110.3 54.7 108.9 279.3
2013 1,063.4 13.8 209.5 276.2 563.9 467.2 85.4 114.0 60.0 102.7 234.1
Return on assets (%)
2017
1.15 1.21 1.03 0.95 1.28 0.77 0.69 1.19 0.97 1.24 1.73
2015 1.12 0.76 0.99 0.90 1.28 0.67 0.35 1.36 0.72 1.32 2.03
2013 1.06 0.51 0.79 1.01 1.19 0.52 0.70 1.14 0.84 1.48 2.12
Net charge-offs to loans & leases (%)
2017
0.73 0.08 0.08 0.09 1.42 0.06 -0.05 0.26 0.16 0.86 2.80
2015 0.54 0.11 0.12 0.09 0.98 0.09 0.10 0.37 0.12 0.74 1.93
2013 0.64 0.31 0.33 0.22 1.03 0.21 0.64 0.73 0.38 0.84 1.71
Noncurrent assets plus OREO to assets (%)
2017
0.98 1.19 0.76 0.61 1.22 0.56 4.26 0.76 0.74 1.42 0.53
2015 1.29 1.45 1.09 0.91 1.54 0.94 5.73 1.36 0.51 2.14 0.49
2013 1.86 1.98 1.84 2.25 1.67 1.46 3.66 2.89 1.07 3.04 1.18
Equity capital ratio (%)
2017
10.91 18.04 12.95 11.82 9.84 12.11 10.25 11.95 11.99 10.16 9.42
2015 11.36 17.21 12.70 12.26 10.40 12.07 10.66 12.69 11.20 10.75 10.16
2013 11.79 15.33 12.14 12.26 11.34 11.80 12.40 12.24 11.26 10.90 11.84