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FDIC Quarterly Banking Profile

FDIC First-Half of 2019 Banking Profile - All FDIC-Insured Institutions
Table V-B. First-Half 2019, FDIC-Insured Community Banks
Performance ratios (%) All Community Banks First-Half 2019, Geographic Regions*
First-Half 2019 First-Half 2018 New York Atlanta Chicago Kansas City Dallas San Francisco
Yield on earning assets 4.62 4.29 4.40 4.70 4.53 4.68 4.83 4.79
Cost of funding earning assets 0.94 0.63 1.10 0.87 0.89 0.96 0.88 0.77
Net interest margin 3.67 3.66 3.29 3.83 3.64 3.72 3.95 4.01
Noninterest income to assets 0.80 0.84 0.57 0.79 1.10 0.84 0.88 0.68
Noninterest expense to assets 2.70 2.75 2.38 2.95 2.87 2.72 2.91 2.63
Loan and lease loss provision to assets 0.12 0.14 0.09 0.10 0.10 0.15 0.16 0.13
Net operating income to assets 1.16 1.15 0.93 1.06 1.27 1.27 1.30 1.30
Pretax return on assets 1.45 1.37 1.30 1.34 1.56 1.47 1.48 1.67
Return on assets 1.20 1.14 1.02 1.10 1.30 1.28 1.31 1.30
Return on equity 10.45 10.24 8.86 9.58 11.24 11.29 11.43 11.02
Net charge-offs to loans and leases 0.10 0.14 0.08 0.08 0.07 0.12 0.14 0.11
Loan and lease loss provision to net charge-offs 169.69 137.72 148.22 184.82 191.41 175.29 172.65 163.87
Efficiency ratio 63.63 64.12 64.62 67.31 63.51 62.51 63.89 59.23
Net interest income to operating revenue 81.11 80.24 84.35 81.89 75.57 80.60 80.69 84.60
% of unprofitable institutions 3.80 4.13 4.89 5.53 4.19 2.53 2.95 5.69
% of institutions with earnings gains 62.47 74.92 61.41 65.06 62.53 58.82 64.42 68.23
* See Table V-A for explanation.