Large Institutions Have Become More Profitable Than Community Banks
All FDIC-InsuredCommercialBanksandSavingsInstitutions,1984-2003
Return on average assets (percent) 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
Assets > $100MM 0.5 0.6 0.5 -0.1 0.4 0.2 0.2 0.4 0.9 1.1 1.1 1.1 1.1 1.2 1.2 1.3 1.1 1.1 1.3 1.4
Assets < $100MM 0.7 0.6 0.3 0.3 0.3 0.4 0.5 0.7 0.9 1.1 1.1 1.1 1.1 1.1 1.1 1.0 0.9 0.9 1.0 1.0
  * Asset size measured in 2003 dollars. $100 million in 2003 = $63.6 million in 1983.