| TABLE I-A. Selected Indicators, FDIC-Insured Institutions* |
| |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
| Return on assets (%) |
0.86 |
1.28 |
1.28 |
1.28 |
1.38 |
1.30 |
1.14 |
| Return on equity (%) |
8.17 |
12.30 |
12.43 |
13.20 |
15.05 |
14.08 |
13.02 |
| Core capital (leverage) ratio (%) |
7.98 |
8.22 |
8.25 |
8.11 |
7.88 |
7.86 |
7.79 |
| Noncurrent assets plus other real estate owned to assets (%) |
0.94 |
0.54 |
0.50 |
0.53 |
0.75 |
0.90 |
0.87 |
| Net charge-offs to loans (%) |
0.59 |
0.39 |
0.49 |
0.56 |
0.78 |
0.97 |
0.83 |
| Asset growth rate (%) |
9.94 |
9.03 |
7.64 |
11.36 |
7.58 |
7.20 |
5.44 |
| Net interest margin (%) |
3.29 |
3.31 |
3.47 |
3.52 |
3.73 |
3.96 |
3.78 |
| Net operating income growth (%) |
-23.72 |
8.50 |
11.39 |
4.02 |
16.39 |
17.58 |
-0.48 |
| Number of institutions reporting |
8,533 |
8,680 |
8,833 |
8,976 |
9,181 |
9,354 |
9,614 |
| Commercial banks |
7,282 |
7,401 |
7,526 |
7,631 |
7,770 |
7,888 |
8,080 |
| Savings institutions |
1,251 |
1,279 |
1,307 |
1,345 |
1,411 |
1,466 |
1,534 |
| Percentage of unprofitable institutions (%) |
11.56 |
7.93 |
6.22 |
5.97 |
5.99 |
6.67 |
8.24 |
| Number of problem institutions |
76 |
50 |
52 |
80 |
116 |
136 |
114 |
| Assets of problem institutions (in billions) |
$22 |
$8 |
$7 |
$28 |
$30 |
$39 |
$40 |
| Number of failed/assisted institutions |
3 |
0 |
0 |
4 |
3 |
11 |
4 |
| * Excludes insured branches of foreign banks (IBAs) |
