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FDIC Quarterly Banking Profile

TABLE I-A. Selected Indicators, FDIC-Insured Institutions*
  2018 2017 2016 2015 2014 2013 2012
Return on assets (%) 1.35 0.97 1.04 1.04 1.01 1.07 1.00
Return on equity (%) 11.98 8.61 9.29 9.29 9.01 9.54 8.90
Core capital (leverage) ratio (%) 9.70 9.63 9.48 9.59 9.44 9.40 9.15
Noncurrent assets plus other real estate owned to assets (%) 0.60 0.72 0.86 0.97 1.20 1.63 2.20
Net charge-offs to loans (%) 0.48 0.50 0.47 0.44 0.49 0.69 1.10
Asset growth rate (%) 3.03 3.79 5.09 2.66 5.59 1.94 4.02
Net interest margin (%) 3.40 3.25 3.13 3.07 3.14 3.26 3.42
Net operating income growth (%) 45.21 -3.25 4.57 7.11 -0.73 12.82 17.76
Number of institutions reporting 5,406 5,670 5,913 6,182 6,509 6,812 7,083
Commercial banks 4,715 4,918 5,112 5,338 5,607 5,847 6,072
Savings institutions 691 752 801 844 902 965 1,011
Percentage of unprofitable institutions (%) 3.24 5.61 4.46 4.80 6.27 8.16 11.00
Number of problem institutions 60 95 123 183 291 467 651
Assets of problem institutions (in billions) $48 $14 $28 $47 $87 $153 $233
Number of failed institutions 0 8 5 8 18 24 51
* Excludes insured branches of foreign banks (IBAs)