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Chart 6
The banking industry's capacity to absorb losses has climbed to a historically high level.
(For all FDIC-insured commercial banks)
| Year |
Capital as a Percent of Total Assets |
Reserves as a Percent of Total Assets |
Income (excluding retained earnings) as a Percent of Total Assets |
| 1960 |
8.05% |
0.92% |
0.32% |
| 1961 |
7.97% |
0.94% |
0.32% |
| 1962 |
8.02% |
0.91% |
0.32% |
| 1963 |
8.08% |
0.96% |
0.32% |
| 1964 |
7.72% |
1.03% |
0.31% |
| 1965 |
7.53% |
1.07% |
0.31% |
| 1966 |
7.44% |
1.08% |
0.31% |
| 1967 |
7.10% |
1.05% |
0.30% |
| 1968 |
6.90% |
1.04% |
0.30% |
| 1969 |
7.18% |
1.12% |
0.34% |
| 1970 |
7.12% |
1.05% |
0.36% |
| 1971 |
6.95% |
0.97% |
0.35% |
| 1972 |
6.62% |
0.91% |
0.30% |
| 1973 |
6.53% |
0.91% |
0.29% |
| 1974 |
5.71% |
0.81% |
0.27% |
| 1975 |
5.88% |
0.80% |
0.28% |
| 1976 |
6.11% |
0.52% |
0.26% |
| 1977 |
5.92% |
0.50% |
0.25% |
| 1978 |
5.80% |
0.53% |
0.25% |
| 1979 |
5.75% |
0.54% |
0.27% |
| 1980 |
5.80% |
0.54% |
0.27% |
| 1981 |
5.83% |
0.56% |
0.29% |
| 1982 |
5.87% |
0.60% |
0.31% |
| 1983 |
6.00% |
0.66% |
0.31% |
| 1984 |
6.14% |
0.75% |
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% |
1.49% |
0.42% |
| 1989 |
6.21% |
1.63% |
0.43% |
| 1990 |
6.45% |
1.64% |
0.41% |
| 1991 |
6.75% |
1.61% |
0.42% |
| 1992 |
7.51% |
1.55% |
0.40% |
| 1993 |
8.00% |
1.42% |
0.59% |
| 1994 |
7.78% |
1.30% |
0.70% |
| 1995 |
8.11% |
1.23% |
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 |
8.49% |
1.03% |
0.86% |
| 2001 |
9.06% |
1.10% |
0.83% |
| 2002 |
9.15% |
1.09% |
0.95% |
| 2003 |
9.10% |
1.02% |
1.02% |
| 2004 |
10.10% |
0.87% |
0.66% |
Source: Federal Deposit Insurance Corporation.
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