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Chart 4 Industry earnings have not always fluctuated in sync with the business cycle.
(Includes all FDIC-insured commercial banks)
| Year |
Return on Assets (percent) |
Return on Equity (percent) |
Recession This Year? (yes/no) |
| 1960 |
0.90 |
11.33 |
yes |
| 1961 |
0.89 |
11.11 |
no |
| 1962 |
0.82 |
10.25 |
no |
| 1963 |
0.79 |
9.78 |
no |
| 1964 |
0.79 |
10.04 |
no |
| 1965 |
0.79 |
10.43 |
no |
| 1966 |
0.78 |
10.44 |
no |
| 1967 |
0.82 |
11.32 |
no |
| 1968 |
0.80 |
11.38 |
no |
| 1969 |
0.85 |
12.00 |
no |
| 1970 |
0.88 |
12.36 |
yes |
| 1971 |
0.87 |
12.37 |
no |
| 1972 |
0.83 |
12.24 |
no |
| 1973 |
0.85 |
12.88 |
no |
| 1974 |
0.76 |
12.52 |
yes |
| 1975 |
0.68 |
11.79 |
yes |
| 1976 |
0.69 |
11.52 |
no |
| 1977 |
0.70 |
11.72 |
no |
| 1978 |
0.76 |
12.91 |
no |
| 1979 |
0.80 |
13.90 |
no |
| 1980 |
0.79 |
13.68 |
yes |
| 1981 |
0.76 |
13.11 |
no |
| 1982 |
0.71 |
12.14 |
yes |
| 1983 |
0.66 |
11.09 |
no |
| 1984 |
0.64 |
10.52 |
no |
| 1985 |
0.69 |
11.07 |
no |
| 1986 |
0.63 |
9.94 |
no |
| 1987 |
0.10 |
1.55 |
no |
| 1988 |
0.82 |
13.19 |
no |
| 1989 |
0.49 |
7.71 |
no |
| 1990 |
0.48 |
7.46 |
yes |
| 1991 |
0.53 |
7.94 |
no |
| 1992 |
0.93 |
12.98 |
no |
| 1993 |
1.20 |
15.33 |
no |
| 1994 |
1.15 |
14.61 |
no |
| 1995 |
1.17 |
14.66 |
no |
| 1996 |
1.19 |
14.44 |
no |
| 1997 |
1.23 |
14.67 |
no |
| 1998 |
1.19 |
13.94 |
no |
| 1999 |
1.31 |
15.30 |
no |
| 2000 |
1.18 |
13.99 |
no |
| 2001 |
1.15 |
13.08 |
yes |
| 2002 |
1.33 |
14.46 |
no |
| 2003 |
1.40 |
15.31 |
no |
| 2004 |
1.30 |
13.74 |
no |
| 2005 |
1.34 |
13.19 |
no |
|