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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
  2018* 2017* 2017 2016 2015 2014 2013
Return on assets (%) 1.17 1.04 0.96 0.99 0.99 0.93 0.90
Return on equity (%) 10.50 9.33 8.65 8.81 8.85 8.45 8.27
Core capital (leverage) ratio (%) 11.05 10.85 10.80 10.69 10.67 10.57 10.43
Noncurrent assets plus other real estate owned to assets (%) 0.72 0.83 0.78 0.94 1.07 1.34 1.73
Net charge-offs to loans (%) 0.13 0.14 0.16 0.16 0.15 0.21 0.32
Asset growth rate (%) -0.49 3.22 1.17 2.97 2.71 2.21 0.39
Net interest margin (%) 3.68 3.60 3.62 3.57 3.57 3.61 3.59
Net operating income growth (%) 14.66 7.26 0.15 2.42 9.54 4.81 14.64
Number of institutions reporting 5,044 5,296 5,228 5,461 5,735 6,037 6,307
Percentage of unprofitable institutions (%) 3.49 4.15 5.74 4.65 5.02 6.44 8.40
* Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30.

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