The Banking Industry Continues to Increase Its Protection Against Losses

As Percent of Banking Industry Assets

Year

Equity Capital

Reserves

Income

1984

6.14

0.74

0.30

1985

6.19

0.85

0.31

1986

6.19

0.98

0.31

1987

6.02

1.66

0.36

1988

6.28

1.48

0.42

1989

6.21

1.62

0.43

1990

6.45

1.63

0.41

1991

6.75

1.60

0.42

1992

7.51

1.54

0.40

1993

8.00

1.42

0.59

1994

7.78

1.30

0.70

1995

8.11

1.22

0.72

1996

8.20

1.17

0.85

1997

8.33

1.09

0.85

1998

8.49

1.05

0.75

1999

8.36

1.02

0.91

2000

8.50

1.02

0.86

2001

9.09

1.10

0.82

2002

9.25

1.10

1.00

Source: FDIC