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The FDIC Preliminary Bank Earnings Report

TABLE I-A. Selected Indicators, FDIC-Insured Commercial Banks
2002* 2001* 2001 2000  1999 1998 1997
Return on assets (%) 1.33 1.26 1.15 1.19 1.31 1.19 1.23
Return on equity (%) 14.47 14.71 13.09 14.02 15.31 13.93 14.68
Core capital (leverage) ratio (%) 7.95 7.68 7.79 7.70 7.79 7.54 7.56
Noncurrent assets plus other real estate owned to assets (%) 0.97 0.79 0.92 0.74 0.63 0.65 0.66
Net charge-offs to loans (%) 1.14 0.73 0.94 0.67 0.61 0.67 0.64
Asset growth rate (%) 2.98 8.06 5.20 8.88 5.38 8.53 9.54
Net interest margin (%) 4.19 3.83 3.90 3.95 4.07 4.07 4.21
Net operating income growth (%) 10.58 -3.12 -1.61 1.80 20.40 2.24 12.46
Number of institutions reporting 8,005 8,238 8,080 8,315 8,579 8,773 9,142
Percentage of unprofitable institutions (%) 6.71 6.97 7.81 7.34 7.51 6.11 4.85
Number of problem institutions 102 78 95 76 66 69 71
Assets of problem institutions (in billions) $37 $17 $36 $17 $4 $5 $5
Number of failed/assisted institutions 6 1 3 6 7 3 1
* Through March 31, ratios annualized where appropriate. Asset growth rates are for 12 months ending March 31.

Last Updated 06/03/2002 Questions, Suggestions & Requests