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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

FDIC Quarterly Banking Profile

Table I-B. Selected Indicators, FDIC-Insured Community Banks
  2015* 2014* 2014 2013 2012 2011 2010
Return on assets (%) 0.99 0.92 0.93 0.90 0.83 0.55 0.21
Return on equity (%) 8.88 8.44 8.46 8.28 7.68 5.19 2.07
Core capital (leverage) ratio (%) 10.72 10.60 10.57 10.43 10.18 9.98 9.57
Noncurrent assets plus other real estate owned to assets (%) 1.14 1.46 1.34 1.73 2.26 2.84 3.25
Net charge-offs to loans (%) 0.13 0.20 0.21 0.32 0.58 0.87 1.11
Asset growth rate (%) 3.15 1.22 2.31 0.33 2.25 1.60 -2.45
Net interest margin (%) 3.58 3.61 3.61 3.59 3.67 3.74 3.71
Net operating income growth (%) 10.29 1.04 4.92 14.61 56.25 207.82 206.20
Number of institutions reporting 5,812 6,107 6,037 6,306 6,541 6,798 7,014
Percentage of unprofitable institutions (%) 5.04 6.80 6.44 8.40 11.15 16.34 22.16
*Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30.

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