| TABLE I-A. Selected Indicators, FDIC-Insured Institutions* |
| |
2007** |
2006** |
2006 |
2005 |
2004 |
2003 |
2002 |
| Return on assets (%) |
1.21 |
1.34 |
1.28 |
1.30 |
1.28 |
1.38 |
1.30 |
| Return on equity (%) |
11.49 |
12.97 |
12.31 |
12.73 |
13.20 |
15.05 |
14.08 |
| Core capital (leverage) ratio (%) |
8.18 |
8.23 |
8.23 |
8.25 |
8.11 |
7.88 |
7.86 |
| Noncurrent assets plus other real estate owned to assets (%) |
0.61 |
0.47 |
0.53 |
0.50 |
0.53 |
0.75 |
0.90 |
| Net charge-offs to loans (%) |
0.47 |
0.34 |
0.39 |
0.50 |
0.56 |
0.78 |
0.97 |
| Asset growth rate (%) |
6.38 |
10.04 |
9.03 |
7.64 |
11.36 |
7.58 |
7.20 |
| Net interest margin (%) |
3.33 |
3.45 |
3.31 |
3.50 |
3.52 |
3.73 |
3.96 |
| Net operating income growth (%) |
-2.36 |
13.18 |
8.54 |
11.43 |
4.02 |
16.39 |
17.58 |
| Number of institutions reporting |
8,615 |
8,777 |
8,680 |
8,833 |
8,976 |
9,181 |
9,354 |
| Commercial banks |
7,350 |
7,478 |
7,401 |
7,526 |
7,631 |
7,770 |
7,888 |
| Savings institutions |
1,265 |
1,299 |
1,279 |
1,307 |
1,345 |
1,411 |
1,466 |
| Percentage of unprofitable institutions (%) |
9.39 |
6.81 |
7.88 |
6.22 |
5.97 |
5.99 |
6.67 |
| Number of problem institutions |
61 |
50 |
50 |
52 |
80 |
116 |
136 |
| Assets of problem institutions (in billions) |
$23 |
$6 |
$8 |
$7 |
$28 |
$30 |
$39 |
| Number of failed/assisted institutions |
1 |
0 |
0 |
0 |
4 |
3 |
11 |
|
* Excludes insured branches of foreign banks (IBAs).
** Through June 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending June 30.
|
