Strong banking industry capital offers a buffer against future increases in credit losses

Period Equity Capital (percent of assets) 25th Percentile Equity Capital (percent of assets) 90th Percentile Equity Capital (percent of Assets) 10th Percentile Equity Capital (percent of Assets) 75th Percentile Equity Capital (percent of assets) Unweighted Average Equity to Assets Ratio
1984 6.13 12.04 3.53 9.46 8.19
1985 6.14 12.06 3.85 9.45 8.19
1986 5.97 11.94 3.83 9.34 7.93
1987 6.19 12.21 3.85 9.55 7.86
1988 6.28 12.29 4.16 9.64 8.03
1989 6.47 12.62 4.74 9.79 8.66
1990 6.52 12.60 5.04 9.80 8.80
1991 6.73 12.58 5.45 9.87 8.94
1992 7.13 12.75 6.09 10.17 9.29
1993 7.56 13.24 6.61 10.66 9.71
1994 7.51 13.57 6.56 10.86 9.84
1995 7.96 14.51 7.00 11.49 10.52
1996 7.91 14.78 6.96 11.59 10.71
1997 8.05 15.53 7.10 11.97 11.14
1998 7.98 15.79 7.02 12.07 11.32
1999 7.67 15.73 6.75 11.84 11.14
2000 7.97 16.28 7.07 12.17 11.51
2001 8.01 15.64 7.15 11.92 11.23
2002 8.24 15.66 7.40 12.03 11.35
2003 8.27 15.72 7.41 11.99 11.46
2004 8.34 16.08 7.49 12.16 11.64
2005 8.42 16.44 7.52 12.41 11.84

Source: FDIC. 2005 data point as of June 30.