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FDIC Quarterly Banking Profile

FDIC Third Quarter of 2018 Banking Profile - FDIC-Insured Savings Institutions
TABLE IV-B. Third Quarter 2018, FDIC-Insured Savings Institutions
THIRD QUARTER
(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) 3,819.0 24.0 480.5 969.8 2,344.6 1,082.3 255.2 369.0 115.0 439.0 1,558.5
% of unprofitable institutions 7.1 20.7 4.1 1.6 0.0 3.4 18.2 11.8 10.4 4.1 2.7
% of institutions with earnings gains 71.6 54.0 73.4 86.1 78.6 77.6 58.2 65.7 64.6 67.1 83.8
Performance Ratios (annualized, %)
Yield on earning assets 4.71 4.21 4.25 4.12 5.12 4.02 3.52 4.10 4.36 4.97 5.96
Cost of funding earning assets 0.81 0.80 0.80 0.85 0.79 0.95 0.69 1.09 0.86 0.45 0.72
Net interest margin 3.90 3.41 3.44 3.27 4.33 3.07 2.82 3.01 3.50 4.52 5.24
Noninterest income to earning assets 1.06 5.08 2.38 1.03 0.73 0.74 0.70 3.38 1.39 2.21 0.41
Noninterest expense to earning assets 2.63 6.85 4.06 2.68 2.22 2.45 2.25 4.22 3.21 4.55 1.70
Loan and lease loss provision to assets 0.54 0.02 0.12 0.07 0.89 0.06 -0.13 0.12 0.13 0.43 1.54
Net operating income to assets 1.30 1.14 1.21 1.15 1.41 0.95 1.06 1.52 1.18 1.28 1.77
Pretax return on assets 1.67 1.48 1.57 1.40 1.85 1.25 1.28 1.80 1.37 1.61 2.34
Return on assets 1.30 1.11 1.23 1.11 1.41 0.98 1.02 1.39 1.10 1.28 1.77
Return on equity 12.05 5.97 9.33 9.22 15.01 8.24 9.64 11.78 9.01 12.19 19.73
Net charge-offs to loans and leases 0.73 0.03 0.12 0.11 1.50 0.08 -0.16 0.17 0.40 0.78 3.36
Loan and lease loss provision to net charge-offs 127.25 87.79 136.08 80.29 130.04 93.45 213.27 91.64 45.80 91.97 140.76
Efficiency ratio 52.23 80.59 69.54 61.75 42.96 63.89 62.47 65.94 64.83 66.21 29.26
Structural Changes (QTR)
New reporters 1 0 1 0 0 0 0 0 0 0 1
Thrifts absorbed by mergers 6 1 4 1 0 3 1 1 0 1 0
Failed Thrifts 0 0 0 0 0 0 0 0 0 0 0
PRIOR THIRD QUARTERS
(The way it was...)
Return on assets (%)
2017
1.19 1.27 1.04 0.94 1.35 0.80 0.70 1.21 0.92 1.30 1.83
2015 1.04 1.07 1.00 0.85 1.14 0.64 -0.62 1.34 0.81 1.26 2.03
2013 1.08 0.31 0.78 0.84 1.33 0.61 0.65 1.01 0.74 1.28 2.22
Net charge-offs to loans & leases (%)
2017
0.70 0.05 0.08 0.10 1.36 0.06 -0.06 0.21 0.22 0.79 2.71
2015 0.53 0.09 0.11 0.08 0.97 0.08 0.08 0.27 0.11 0.73 1.89
2013 0.56 0.38 0.29 0.20 0.90 0.17 0.44 0.62 0.43 0.71 1.57

*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