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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
  2017* 2016* 2016 2015 2014 2013 2012
Return on assets (%) 1.03 1.00 0.99 0.99 0.93 0.90 0.83
Return on equity (%) 9.23 8.92 8.81 8.85 8.45 8.27 7.68
Core capital (leverage) ratio (%) 10.82 10.69 10.69 10.67 10.57 10.43 10.18
Noncurrent assets plus other real estate owned to assets (%) 0.86 1.01 0.94 1.07 1.34 1.73 2.27
Net charge-offs to loans (%) 0.14 0.11 0.15 0.15 0.21 0.32 0.58
Asset growth rate (%) 2.78 2.94 2.97 2.71 2.21 0.39 2.25
Net interest margin (%) 3.58 3.57 3.57 3.57 3.61 3.59 3.67
Net operating income growth (%) 7.38 3.68 2.51 9.55 4.81 14.64 56.17
Number of institutions reporting 5,338 5,602 5,461 5,735 6,037 6,307 6,542
Percentage of unprofitable institutions (%) 4.22 4.59 4.61 5.00 6.44 8.40 11.14
* Through June 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending June 30.

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