Skip Header

Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

FDIC Full Year of 2019 Banking Profile - FDIC-Insured Commercial Banks
TABLE III-A. First Quarter 2019, FDIC-Insured Commercial Banks
FIRST 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
$10 Billion
to
$250 Billion
Greater
Than $250
Billion
New York Atlanta Chicago Kansas
City
Dallas San
Francisco
Number of institutions reporting 4,681 1,123 2,905 528 116 9 338 568 995 1,323 1,100 357
Total assets (in billions) $16,906.6 $67.0 $945.5 $1,387.3 $5,613.9 $8,892.9 $2,947.2 $3,597.6 $4,026.2 $3,634.3 $1,003.5 $1,697.8
Total deposits (in billions) 12,984.7 56.4 797.7 1,133.1 4,239.1 6,758.4 2,229.2 2,857.9 2,947.3 2,816.5 818.9 1,315.0
Net income (in millions) 56,704 165 2,866 4,435 19,850 29,387 8,844 12,608 13,137 11,790 3,392 6,932
% of unprofitable institutions 3.4 8.0 1.9 2.3 0.9 0.0 3.8 4.6 2.5 3.4 2.7 5.0
% of institutions with earnings gains 63.5 58.4 64.3 68.2 70.7 55.6 63.3 66.9 63.3 59.4 64.9 69.5
Performance ratios (annualized, %)
Yield on earning assets 4.37 4.55 4.74 4.80 4.94 3.91 4.70 4.49 3.67 4.42 4.69 4.93
Cost of funding earning assets 0.99 0.68 0.84 0.94 1.14 0.91 1.21 0.86 0.88 1.03 0.86 1.10
Net interest margin 3.39 3.87 3.90 3.86 3.80 2.99 3.49 3.63 2.79 3.39 3.83 3.83
Noninterest income to earning assets 1.65 0.94 0.96 1.20 1.68 1.79 1.55 1.56 2.09 1.33 1.18 1.96
Noninterest expense to earning assets 2.85 3.50 3.22 3.12 2.98 2.68 2.87 2.80 2.87 2.66 3.05 3.16
Loan and lease loss provision to assets 0.30 0.14 0.13 0.19 0.45 0.24 0.43 0.38 0.15 0.30 0.13 0.35
Net operating income to assets 1.34 0.98 1.22 1.28 1.42 1.31 1.19 1.40 1.31 1.27 1.37 1.63
Pretax return on assets 1.69 1.09 1.40 1.62 1.81 1.66 1.51 1.77 1.66 1.60 1.67 2.12
Return on assets 1.35 0.99 1.22 1.29 1.42 1.33 1.20 1.41 1.32 1.30 1.37 1.64
Return on equity 11.89 7.60 10.80 10.96 11.35 12.62 9.44 11.59 12.82 12.64 11.33 14.20
Net charge-offs to loans and leases 0.48 0.12 0.10 0.20 0.64 0.46 0.72 0.59 0.24 0.52 0.12 0.46
Loan and lease loss provision to net charge-offs 112.48 197.35 189.80 133.67 110.72 109.72 110.09 111.04 123.69 108.68 155.91 111.63
Efficiency ratio 56.05 72.50 66.11 61.02 53.82 55.59 56.31 53.53 58.35 55.81 60.14 54.29
Condition Ratios (%)
Earning assets to total assets 90.09 92.83 93.27 92.25 90.43 89.18 89.21 89.49 89.35 90.47 91.12 93.19
Loss allowance to:
Loans and leases 1.21 1.45 1.30 1.15 1.23 1.19 1.38 1.22 1.12 1.30 1.01 1.08
Noncurrent loans and leases 127.39 116.83 154.03 140.76 149.70 107.88 137.22 135.79 116.61 106.80 132.42 175.35
Noncurrent assets plus other real estate owned to assets 0.58 0.95 0.76 0.68 0.56 0.55 0.59 0.57 0.53 0.68 0.62 0.44
Equity capital ratio 11.40 13.13 11.42 11.89 12.60 10.55 12.84 12.21 10.28 10.34 12.18 11.65
Core capital (leverage) ratio 9.72 13.03 11.23 10.83 10.53 8.85 10.52 9.64 9.04 9.32 10.45 10.55
Common equity tier 1 capital ratio 13.05 20.48 15.16 13.72 12.83 12.79 13.50 12.73 12.90 12.70 13.02 13.95
Tier 1 risk-based capital ratio 13.13 20.52 15.19 13.74 12.98 12.83 13.57 12.84 12.95 12.79 13.09 14.08
Total risk-based capital ratio 14.51 21.59 16.28 14.73 14.40 14.29 15.05 14.09 14.10 14.68 14.11 15.17
Net loans and leases to deposits 72.08 68.85 79.92 86.04 83.71 61.54 71.90 72.46 66.06 68.11 81.34 87.74
Structural Changes (YTD)
New reporters 1 1 0 0 0 0 0 0 0 0 1 0
Banks absorbed by mergers 36 6 22 7 1 0 3 6 6 10 8 3
Failed banks 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR FIRST QUARTERS
(The way it was...)
Number of institutions
2018
4,881 1,238 3,014 511 109 9 356 599 1,030 1,377 1,138 381
2016 5,289 1,464 3,231 501 84 9 388 680 1,107 1,470 1,218 426
2014 5,776 1,766 3,471 448 83 8 427 767 1,209 1,571 1,317 485
Total assets (in billions)
2018
$16,327.9 $74.3 $964.4 $1,356.5 $5,143.6 $8,789.0 $2,838.6 $3,502.9 $3,859.6 $3,634.1 $965.8 $1,527.0
2016 15,202.7 86.5 999.9 1,423.0 4,414.6 8,278.6 2,661.8 3,335.7 3,511.9 3,487.6 844.9 1,360.7
2014 13,856.7 104.3 1,043.7 1,208.2 4,101.0 7,399.5 2,493.7 2,947.1 3,307.5 3,186.1 776.4 1,145.9
Return on assets (%)
2018
1.27 0.90 1.19 1.32 1.34 1.24 1.19 1.32 1.27 1.17 1.34 1.53
2016 0.95 0.92 1.05 1.07 0.94 0.92 0.82 0.88 0.92 1.04 1.03 1.12
2014 1.00 0.82 0.93 1.07 1.14 0.92 1.09 0.88 0.81 1.14 1.06 1.23
Net charge-offs to loans & leases (%)
2018
0.47 0.20 0.08 0.21 0.64 0.46 0.75 0.57 0.24 0.53 0.13 0.36
2016 0.45 0.14 0.10 0.21 0.55 0.49 0.58 0.55 0.26 0.56 0.22 0.27
2014 0.52 0.21 0.18 0.26 0.74 0.49 0.90 0.46 0.38 0.62 0.12 0.28
Noncurrent assets plus OREO to assets (%)
2018
0.67 1.01 0.84 0.73 0.61 0.67 0.65 0.69 0.62 0.79 0.69 0.45
2016 0.95 1.19 1.12 0.95 0.73 1.04 0.77 1.02 0.92 1.16 0.99 0.59
2014 1.50 1.68 1.76 1.61 0.95 1.75 1.04 2.01 1.31 1.88 1.28 0.90
Equity capital ratio (%)
2018
11.24 12.45 10.95 11.76 12.52 10.43 12.44 12.08 10.32 10.01 11.68 12.03
2016 11.27 12.33 11.10 11.65 12.33 10.65 12.01 12.41 10.25 10.12 11.22 12.59
2014 11.18 11.41 10.60 11.77 12.87 10.23 12.07 12.32 9.69 10.41 10.99 12.91

*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