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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-A. Selected Indicators, FDIC-Insured Institutions*
  2016** 2015** 2015 2014 2013 2012 2011
Return on assets (%) 1.04 1.05 1.04 1.01 1.07 1.00 0.88
Return on equity (%) 9.29 9.33 9.29 9.01 9.54 8.90 7.79
Core capital (leverage) ratio (%) 9.55 9.61 9.59 9.44 9.40 9.15 9.07
Noncurrent assets plus other real estate owned to assets (%) 0.88 0.99 0.97 1.20 1.63 2.20 2.61
Net charge-offs to loans (%) 0.45 0.42 0.44 0.49 0.69 1.10 1.55
Asset growth rate (%) 6.12 2.94 2.66 5.59 1.94 4.02 4.30
Net interest margin (%) 3.11 3.05 3.07 3.14 3.26 3.42 3.60
Net operating income growth (%) 3.96 5.88 7.09 -0.73 12.82 17.76 43.60
Number of institutions reporting 5,980 6,270 6,182 6,509 6,812 7,083 7,357
Commercial banks 5,170 5,410 5,338 5,607 5,847 6,072 6,275
Savings institutions 810 860 844 902 965 1,011 1,082
Percentage of unprofitable institutions (%) 3.98 4.90 4.76 6.27 8.16 11.00 16.23
Number of problem institutions 132 203 183 291 467 651 813
Assets of problem institutions (in billions) $25 $51 $47 $87 $153 $233 $319
Number of failed institutions 5 6 8 18 24 51 92
Number of assisted institutions 0 0 0 0 0 0 0

* Excludes insured branches of foreign banks (IBAs)

** Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30.

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