Chart 4

For the Past Decade, Community Banks' Return on Assets Has Been Healthy

Date	All Community Banks	Midsize Banks	Top 25 Banks
1990	0.4	-0.1	0.5
1991	0.6	0.3	0.5
1992	0.9	0.8	0.9
1993	1.1	1.0	1.2
1994	1.0	1.0	1.1
1995	1.1	1.1	1.1
1996	1.1	1.1	1.1
1997	1.2	1.3	1.1
1998	1.2	1.3	1.0
1999	1.1	1.4	1.2
2000	1.1	1.2	1.1
2001	1.1	1.3	1.1
2002	1.1	1.4	1.3
2003	1.1	1.4	1.4
Source: FDIC