Net interest margin

Banks had a largely positive fourth quarter, but the Federal Deposit Insurance Corp. still saw signs of concern ahead, including slower overall loan growth.

Income from derivative fees climbs 47%.

Citizens Financial Group in Providence, R.I., reported bigger profits in the fourth quarter on the strength of loan growth and improvements in its loan yield.

While the rising interest rate environment has gotten a lot of attention, plenty of other factors will play a role in CUs’ financial fortunes in the year ahead, including a potential Dodd-Frank rollback, rising delinquencies and more.

PNC’s fourth-quarter profit improved on higher lending to corporate customers for real estate and other loans.

First Internet Bancorp is the latest institution to enter the business or to significantly expand operations.