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FDIC Quarterly Banking Profile

FDIC First-Half of 2019 Banking Profile - All FDIC-Insured Community Banks
Table IV-B. Second Quarter 2019, FDIC-Insured Community Banks
  All Community Banks Second Quarter 2019, Geographic Regions*
2nd Quarter 2019 1st Quarter 2019 New York Atlanta Chicago Kansas City Dallas San Francisco
Performance ratios (annualized, %)
Yield on earning assets 4.65 4.58 4.42 4.72 4.57 4.74 4.89 4.78
Cost of funding earning assets 0.97 0.91 1.14 0.90 0.92 0.99 0.91 0.79
Net interest margin 3.68 3.67 3.29 3.83 3.65 3.75 3.98 3.99
Noninterest income to assets 0.83 0.76 0.60 0.83 1.13 0.90 0.93 0.68
Noninterest expense to assets 2.72 2.69 2.39 2.97 2.89 2.74 2.95 2.64
Loan and lease loss provision to assets 0.12 0.12 0.09 0.10 0.11 0.15 0.15 0.12
Net operating income to assets 1.18 1.14 0.93 1.06 1.27 1.32 1.34 1.28
Pretax return on assets 1.48 1.40 1.32 1.37 1.61 1.54 1.54 1.65
Return on assets 1.23 1.16 1.04 1.12 1.34 1.34 1.36 1.29
Return on equity 10.65 10.17 9.02 9.70 11.46 11.71 11.73 10.85
Net charge-offs to loans and leases 0.11 0.09 0.08 0.09 0.09 0.13 0.14 0.13
Loan and lease loss provision to net charge-offs 158.15 183.08 153.42 176.75 171.74 157.09 163.47 128.97
Efficiency ratio 63.48 64.02 64.65 67.31 63.29 61.78 63.62 59.84
Net interest income to operating revenue 80.44 81.82 83.78 81.11 75.03 79.59 79.86 84.53
% of unprofitable institutions 4.00 4.06 4.89 6.60 4.85 1.99 3.32 5.69
% of institutions with earnings gains 59.85 62.67 58.88 62.03 58.99 58.51 59.82 66.56
* See Table V-A for explanation.