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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 IV-A. Full Year 2018, FDIC-Insured Commercial Banks
  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 4,715 1,133 2,941 518 114 9 341 572 999 1,333 1,109 361
Total assets (in billions) $16,728.1 $67.4 $954.1 $1,386.0 $5,499.2 $8,821.4 $2,915.6 $3,573.3 $3,942.9 $3,627.2 $994.2 $1,674.9
Total deposits (in billions) 12,898.5 56.6 802.3 1,121.2 4,166.0 6,752.3 2,205.3 2,852.2 2,923.9 2,808.2 812.4 1,296.4
Net income (in millions) 222,059 663 11,629 18,566 77,972 113,229 35,930 51,093 48,768 45,105 13,683 27,481
% of unprofitable institutions 2.9 7.1 1.9 0.4 0.0 0.0 3.8 4.9 1.9 2.2 2.9 4.4
% of institutions with earnings gains 79.8 70.7 80.9 90.0 95.6 100.0 89.7 85.8 78.3 75.4 79.1 83.9
Performance Ratios (%)
Yield on earning assets 4.12 4.43 4.59 4.58 4.70 3.65 4.38 4.25 3.42 4.18 4.46 4.70
Cost of funding earning assets 0.75 0.55 0.66 0.72 0.88 0.69 0.93 0.66 0.65 0.80 0.64 0.83
Net interest margin 3.37 3.88 3.93 3.86 3.82 2.95 3.46 3.59 2.77 3.38 3.83 3.87
Noninterest income to earning assets 1.72 1.01 1.03 1.31 1.76 1.84 1.66 1.66 2.07 1.41 1.22 2.09
Noninterest expense to earning assets 2.91 3.52 3.26 3.07 3.07 2.74 2.90 2.87 2.92 2.77 3.07 3.19
Loan and lease loss provision to assets 0.27 0.15 0.15 0.20 0.43 0.19 0.42 0.31 0.12 0.26 0.13 0.36
Net operating income to assets 1.35 1.01 1.26 1.40 1.47 1.29 1.27 1.46 1.26 1.24 1.41 1.72
Pretax return on assets 1.70 1.11 1.44 1.73 1.85 1.64 1.56 1.82 1.60 1.57 1.68 2.22
Return on assets 1.35 1.00 1.25 1.39 1.46 1.29 1.26 1.45 1.26 1.25 1.41 1.72
Return on equity 11.99 7.86 11.31 11.95 11.71 12.32 10.06 12.02 12.18 12.33 11.99 14.53
Net charge-offs to loans and leases 0.46 0.20 0.14 0.22 0.62 0.43 0.70 0.57 0.22 0.51 0.17 0.42
Loan and lease loss provision to net charge-offs 104.41 126.49 155.00 127.51 109.11 93.75 110.60 93.42 107.82 97.74 119.22 125.13
Efficiency ratio 56.52 71.91 65.41 58.74 54.33 56.58 55.88 54.20 59.78 56.83 60.20 53.25
Condition Ratios (%)
Earning assets to total assets 90.28 92.48 93.10 92.21 90.62 89.45 89.55 89.72 89.50 90.61 91.21 93.36
Loss allowance to:
Loans and leases 1.20 1.43 1.29 1.14 1.24 1.17 1.37 1.21 1.11 1.28 1.01 1.08
Noncurrent loans and leases 126.88 116.67 160.93 143.10 151.75 105.36 134.44 131.76 116.69 106.27 134.86 191.33
Noncurrent assets plus other real estate owned to assets 0.58 0.96 0.74 0.66 0.55 0.57 0.60 0.58 0.54 0.68 0.61 0.41
Equity capital ratio 11.29 12.90 11.20 11.84 12.43 10.49 12.61 12.12 10.30 10.21 11.97 11.51
Core capital (leverage) ratio 9.66 13.00 11.15 10.76 10.56 8.74 10.48 9.57 9.01 9.20 10.39 10.55
Common equity tier 1 capital ratio 12.94 20.25 15.01 13.66 12.78 12.64 13.32 12.70 12.81 12.54 13.01 13.89
Tier 1 risk-based capital ratio 13.02 20.29 15.04 13.68 12.93 12.68 13.39 12.80 12.85 12.63 13.08 14.02
Total risk-based capital ratio 14.41 21.37 16.12 14.67 14.38 14.14 14.88 14.07 14.02 14.52 14.11 15.11
Net loans and leases to deposits 72.46 69.82 80.87 87.07 83.65 62.16 71.78 72.54 67.17 68.76 81.54 87.69
Structural Changes
New reporters 7 7 0 0 0 0 1 3 0 0 1 2
Banks absorbed by mergers 226 64 136 26 0 0 27 32 34 57 52 24
Failed banks 0 0 0 0 0 0 0 0 0 0 0 0
PRIOR FULL YEARS
(The way it was...)
Number of institutions
2017
4,918 1,238 3,062 509 100 9 362 606 1,019 1,389 1,158 384
2015 5,338 1,483 3,279 485 83 8 394 689 1,117 1,482 1,226 430
2013 5,847 1,810 3,501 446 83 7 433 784 1,219 1,586 1,333 492
Total assets (in billions)
2017
$16,217.9 $74.2 $984.2 $1,411.7 $5,021.1 $8,726.7 $2,811.4 $3,498.4 $3,806.6 $3,642.0 $955.9 $1,503.7
2015 14,893.2 87.6 1,014.8 1,390.9 4,577.4 7,822.6 2,654.9 3,293.4 3,392.0 3,389.1 831.8 1,332.0
2013 13,673.1 105.7 1,040.4 1,189.1 4,262.5 7,075.3 2,465.5 2,913.5 3,266.3 3,162.5 766.5 1,098.7
Return on assets (%)
2017
0.96 0.87 1.06 1.09 1.01 0.89 0.87 1.01 0.99 0.76 1.13 1.27
2015 1.04 0.86 1.07 1.15 0.98 1.05 0.92 1.05 0.95 1.17 1.07 1.14
2013 1.06 0.74 0.93 1.21 1.04 1.08 0.94 0.99 0.94 1.25 1.06 1.41
Net charge-offs to loans & leases (%)
2017
0.48 0.23 0.16 0.26 0.62 0.47 0.69 0.62 0.28 0.51 0.20 0.33
2015 0.43 0.20 0.16 0.24 0.49 0.48 0.57 0.50 0.26 0.53 0.17 0.27
2013 0.70 0.35 0.37 0.43 0.89 0.68 1.11 0.67 0.47 0.87 0.24 0.37
Noncurrent assets plus OREO to assets (%)
2017
0.70 0.99 0.84 0.67 0.63 0.73 0.68 0.73 0.64 0.86 0.71 0.43
2015 0.95 1.22 1.12 0.96 0.66 1.09 0.75 1.04 0.93 1.20 0.90 0.53
2013 1.62 1.72 1.84 1.74 0.94 1.97 1.07 2.20 1.43 2.01 1.39 0.89
Equity capital ratio (%)
2017
11.25 12.46 11.00 11.84 12.47 10.47 12.40 12.12 10.38 9.96 11.68 12.16
2015 11.25 12.04 10.98 11.62 12.29 10.60 11.77 12.27 10.43 10.21 11.10 12.53
2013 11.11 11.26 10.46 11.65 12.48 10.28 12.04 12.19 9.56 10.41 10.88 12.92