FDIC QUARTERLY A
Quarterly
2019
Volume 13, Number 2
Federal Deposit
Insurance Corporation
Quarterly Banking Profile:
First Quarter 2019
Highlights:
■ Quarterly Net Income Increases 8.7 Percent From
First Quarter 2018 to $60.7 Billion
■ Net Interest Margin Improves to 3.42 Percent
as the Increase in Asset Yield Outpaces the
Rise in Funding Cost
■ Community Bank Net Income Increases
10.1 Percent Year Over Year
■ Insured Deposits Grow by 2.3 Percent
■ DIF Reserve Ratio Is Unchanged at 1.36 Percent
Quarterly
2019
Volume 13, Number 2
Federal Deposit
Insurance Corporation
Quarterly Banking Profile:
First Quarter 2019
Highlights:
■ Quarterly Net Income Increases 8.7 Percent From
First Quarter 2018 to $60.7 Billion
■ Net Interest Margin Improves to 3.42 Percent
as the Increase in Asset Yield Outpaces the
Rise in Funding Cost
■ Community Bank Net Income Increases
10.1 Percent Year Over Year
■ Insured Deposits Grow by 2.3 Percent
■ DIF Reserve Ratio Is Unchanged at 1.36 Percent
FDIC QUARTERLY
The FDIC Quarterly is published by the Division of Insurance and Research of the
Federal Deposit Insurance Corporation and contains a comprehensive summary of the
most current financial results for the banking industry. Feature articles appearing in the
FDIC Quarterly range from timely analysis of economic and banking trends at the national
and regional level that may affect the risk exposure of FDIC-insured institutions to research
on issues affecting the banking system and the development of regulatory policy.
Single copy subscriptions of the FDIC Quarterly can be obtained through the FDIC Public
Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. E-mail requests
should be sent to publicinfo@fdic.gov. Change of address information also should be
submitted to the Public Information Center.
The FDIC Quarterly is available online by visiting the FDIC website at www.fdic.gov.
To receive e-mail notification of the electronic release of the FDIC Quarterly and the
individual feature articles, subscribe at www.fdic.gov/about/subscriptions/index.html.
Chairman
Jelena McWilliams
Director, Division of Insurance and Research
Diane Ellis
Executive Editor
George French
Managing Editors
Rosalind Bennett
Alan Deaton
Patrick Mitchell
Shayna M. Olesiuk
Philip A. Shively
Editors
Clayton Boyce
Kathy Zeidler
Publication Manager
Lynne Montgomery
Media Inquiries
(202) 898-6993
The FDIC Quarterly is published by the Division of Insurance and Research of the
Federal Deposit Insurance Corporation and contains a comprehensive summary of the
most current financial results for the banking industry. Feature articles appearing in the
FDIC Quarterly range from timely analysis of economic and banking trends at the national
and regional level that may affect the risk exposure of FDIC-insured institutions to research
on issues affecting the banking system and the development of regulatory policy.
Single copy subscriptions of the FDIC Quarterly can be obtained through the FDIC Public
Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226. E-mail requests
should be sent to publicinfo@fdic.gov. Change of address information also should be
submitted to the Public Information Center.
The FDIC Quarterly is available online by visiting the FDIC website at www.fdic.gov.
To receive e-mail notification of the electronic release of the FDIC Quarterly and the
individual feature articles, subscribe at www.fdic.gov/about/subscriptions/index.html.
Chairman
Jelena McWilliams
Director, Division of Insurance and Research
Diane Ellis
Executive Editor
George French
Managing Editors
Rosalind Bennett
Alan Deaton
Patrick Mitchell
Shayna M. Olesiuk
Philip A. Shively
Editors
Clayton Boyce
Kathy Zeidler
Publication Manager
Lynne Montgomery
Media Inquiries
(202) 898-6993