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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* 2015 2014 2013 2012 2011
Return on assets (%) 1.00 0.99 0.99 0.93 0.90 0.83 0.55
Return on equity (%) 8.94 8.89 8.88 8.45 8.28 7.68 5.19
Core capital (leverage) ratio (%) 10.70 10.71 10.67 10.57 10.43 10.18 9.98
Noncurrent assets plus other real estate owned to assets (%) 1.00 1.21 1.06 1.34 1.73 2.26 2.84
Net charge-offs to loans (%) 0.11 0.12 0.15 0.21 0.32 0.58 0.87
Asset growth rate (%) 2.94 3.20 2.71 2.31 0.33 2.25 1.60
Net interest margin (%) 3.57 3.56 3.57 3.61 3.59 3.67 3.74
Net operating income growth (%) 3.74 9.85 9.94 4.86 14.61 56.25 207.82
Number of institutions reporting 5,602 5,881 5,735 6,037 6,306 6,541 6,798
Percentage of unprofitable institutions (%) 4.50 5.37 4.95 6.44 8.40 11.15 16.34
*Through June 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending June 30.

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