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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
  2016 2015 2014 2013 2012 2011 2010
Return on assets (%) 1.01 0.99 0.93 0.90 0.83 0.55 0.21
Return on equity (%) 9.06 8.85 8.45 8.27 7.68 5.19 2.07
Core capital (leverage) ratio (%) 10.71 10.67 10.57 10.43 10.18 9.98 9.57
Noncurrent assets plus other real estate owned to assets (%) 0.92 1.07 1.34 1.73 2.27 2.84 3.25
Net charge-offs to loans (%) 0.15 0.15 0.21 0.32 0.58 0.87 1.11
Asset growth rate (%) 3.00 2.71 2.21 0.39 2.25 1.64 -2.24
Net interest margin (%) 3.57 3.57 3.61 3.59 3.67 3.74 3.71
Net operating income growth (%) 5.50 9.54 4.81 14.64 56.17 207.86 211.59
Number of institutions reporting 5,461 5,735 6,037 6,307 6,542 6,799 7,014
Percentage of unprofitable institutions (%) 4.34 5.00 6.44 8.40 11.14 16.34 22.16

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