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FDIC Quarterly Banking Profile

Table I-B. Selected Indicators, FDIC-Insured Community Banks
  2019* 2018* 2018 2017 2016 2015 2014
Return on assets (%) 1.20 1.14 1.19 0.96 0.99 0.99 0.93
Return on equity (%) 10.45 10.24 10.59 8.65 8.81 8.85 8.45
Core capital (leverage) ratio (%) 11.14 10.97 11.09 10.80 10.69 10.67 10.57
Noncurrent assets plus other real estate owned to assets (%) 0.66 0.75 0.70 0.78 0.94 1.07 1.34
Net charge-offs to loans (%) 0.10 0.14 0.12 0.16 0.16 0.15 0.21
Asset growth rate (%) 2.06 0.70 2.31 1.17 2.97 2.74 2.20
Net interest margin (%) 3.67 3.66 3.72 3.62 3.57 3.57 3.61
Net operating income growth (%) 3.34 14.08 28.16 0.21 2.42 9.57 4.78
Number of institutions reporting 4,874 5,112 4,981 5,228 5,462 5,736 6,037
Percentage of unprofitable institutions (%) 3.80 4.13 3.57 5.72 4.67 5.04 6.44
* Through June 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending June 30.