Community Banks' Share of Industry Earnings is Declining
Net Income of Institutions With Assets < $100 Million* as a Percent of Total Industry Net Income Percent
  1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
Income share (percent) 12.3% 7.6% 5.4% N/M** 5.1% 13.7% 13.9% 11.1% 7.8% 6.6% 6.3% 5.4% 4.8% 4.2% 3.7% 2.8% 2.7% 2.2% 2.1% 1.7%
  * Asset size measured in 2003 dollars. $100 million in 2003 = $63.6 million in 1983.
** Insured commercial banks and savings institutions posted an aggregate net loss in 1987.