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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*
2018** 2017** 2017 2016 2015 2014 2013
Return on assets (%) 1.33 1.09 0.97 1.04 1.04 1.01 1.07
Return on equity (%) 11.83 9.72 8.61 9.29 9.29 9.01 9.54
Core capital (leverage) ratio (%) 9.74 9.69 9.63 9.48 9.59 9.44 9.40
Noncurrent assets plus other real estate owned to assets (%) 0.64 0.75 0.72 0.86 0.97 1.20 1.63
Net charge-offs to loans (%) 0.49 0.49 0.50 0.47 0.44 0.49 0.69
Asset growth rate (%) 2.71 3.24 3.79 5.09 2.66 5.59 1.94
Net interest margin (%) 3.36 3.20 3.25 3.13 3.07 3.14 3.26
Net operating income growth (%) 27.30 12.17 -3.25 4.57 7.11 -0.73 12.82
Number of institutions reporting 5,542 5,787 5,670 5,913 6,182 6,509 6,812
Commercial banks 4,833 5,011 4,918 5,112 5,338 5,607 5,847
Savings institutions 709 776 752 801 844 902 965
Percentage of unprofitable institutions (%) 3.70 4.08 5.61 4.46 4.80 6.27 8.16
Number of problem institutions 82 105 95 123 183 291 467
Assets of problem institutions (in billions) $54 $17 $14 $28 $47 $87 $153
Number of failed institutions 0 6 8 5 8 18 24

* Excludes insured branches of foreign banks (IBAs)

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

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