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Quarterly Banking Profile

TABLE I-A. Selected Indicators, FDIC-Insured Commercial Banks
2001* 2000* 2000 1999 1998 1997 1996
Return on assets (%) 1.27 1.34 1.19 1.31 1.19 1.23 1.19
Return on equity (%) 14.78 16.03 14.04 15.31 13.93 14.68 14.45
Core capital (leverage) ratio (%) 7.69 7.79 7.70 7.79 7.54 7.56 7.64
Noncurrent assets plus
other real estate owned to assets (%) 0.79 0.65 0.74 0.63 0.65 0.66 0.75
Net charge-offs to loans (%) 0.73 0.57 0.67 0.61 0.67 0.64 0.58
Asset growth rate (%) 7.96 8.02 8.78 5.38 8.53 9.54 6.16
Net interest margin (%) 3.83 4.00 3.95 4.07 4.07 4.21 4.27
Net operating income growth (%) -2.83 13.27 1.82 20.41 2.24 12.46 6.43
Number of institutions reporting 8,238 8,518 8,315 8,581 8,774 9,142 9,527
Percentage of unprofitable institutions (%) 6.86 6.52 7.23 7.48 6.11 4.85 4.28
Number of problem institutions 78 72 76 66 69 71 82
Assets of problem institutions (in billions) $17 $5 $17 $4 $5 $5 $5
Number of failed/assisted institutions 1 1 6 7 3 1 5
* Through March 31, ratios annualized where appropriate. Asset growth rates are for 12 months ending March 31.

Last Updated 06/07/2001 Questions, Suggestions & Requests