Chart 3
Total Level of Protection Against Credit Losses
Has Grown Steadily Over Time
(All FDIC-Insured Institutions)

Year Equity Capital Reserves Income
1984 6.1 0.7 0.3
1985 6.2 0.8 0.3
1986 6.2 1.0 0.3
1987 6.0 1.7 0.4
1988 6.3 1.5 0.4
1989 6.2 1.6 0.4
1990 6.4 1.6 0.4
1991 6.8 1.6 0.4
1992 7.5 1.5 0.4
1993 8.0 1.4 0.6
1994 7.8 1.3 0.7
1995 8.1 1.2 0.7
1996 8.2 1.2 0.8
1997 8.3 1.1 0.8
1998 8.5 1.1 0.8
1999 8.4 1.0 0.9
2000 8.5 1.0 0.9
2001 9.1 1.1 0.8
2002 9.2 1.1 1.0

Source: FDIC Bank Call Reports