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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank



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Quarterly Banking Profile

TABLE I-A. Selected Indicators, FDIC-Insured Commercial Banks
2001 2000 1999 1998 1997 1996 1995
Return on assets (%) 1.16 1.19 1.31 1.19 1.23 1.19 1.17
Return on equity (%) 13.15 14.02 15.31 13.93 14.68 14.45 14.66
Core capital (leverage) ratio (%) 7.80 7.70 7.79 7.54 7.56 7.64 7.61
Noncurrent assets plus other real
estate owned to assets (%)
1.01 0.74 0.63 0.65 0.66 0.75 0.85
Net charge-offs to loans (%) 0.94 0.67 0.61 0.67 0.64 0.58 0.49
Asset growth rate (%) 5.21 8.88 5.38 8.53 9.54 6.16 7.53
Net interest margin (%) 3.90 3.95 4.07 4.07 4.21 4.27 4.29
Net operating income growth (%) -1.15 1.80 20.40 2.24 12.46 6.43 7.48
Number of institutions reporting 8,080 8,315 8,579 8,773 9,142 9,527 9,940
Percentage of unprofitable institutions (%) 7.55 7.34 7.51 6.11 4.85 4.28 3.55
Number of problem institutions 95 76 66 69 71 82 144
Assets of problem institutions (in billions) $36 $17 $4 $5 $5 $5 $17
Number of failed/assisted institutions 3 6 7 3 1 5 6

Last Updated 02/28/2002 Questions, Suggestions & Requests

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