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Quarterly Banking Profile |
| TABLE I-A. Selected Indicators, FDIC-Insured Institutions* | |||||||
| 2008** | 2007** | 2007 | 2006 | 2005 | 2004 | 2003 | |
|---|---|---|---|---|---|---|---|
| Return on assets (%) | 0.37 | 1.20 | 0.81 | 1.28 | 1.28 | 1.28 | 1.38 |
| Return on equity (%) | 3.58 | 11.45 | 7.76 | 12.30 | 12.43 | 13.20 | 15.05 |
| Core capital (leverage) ratio (%) | 7.89 | 8.21 | 7.97 | 8.22 | 8.25 | 8.11 | 7.88 |
| Noncurrent assets plus other real estate owned to assets (%) | 1.38 | 0.62 | 0.94 | 0.54 | 0.50 | 0.53 | 0.75 |
| Net charge-offs to loans (%) | 1.16 | 0.47 | 0.59 | 0.39 | 0.49 | 0.56 | 0.78 |
| Asset growth rate (%) | 8.48 | 6.38 | 9.89 | 9.04 | 7.63 | 11.37 | 7.58 |
| Net interest margin (%) | 3.35 | 3.32 | 3.29 | 3.31 | 3.47 | 3.52 | 3.73 |
| Net operating income growth (%) | -65.03 | -2.60 | -27.56 | 8.53 | 11.43 | 3.99 | 16.38 |
| Number of institutions reporting | 8,451 | 8,614 | 8,534 | 8,680 | 8,833 | 8,976 | 9,181 |
| Commercial banks | 7,203 | 7,350 | 7,283 | 7,401 | 7,526 | 7,631 | 7,770 |
| Savings institutions | 1,248 | 1,264 | 1,251 | 1,279 | 1,307 | 1,345 | 1,411 |
| Percentage of unprofitable institutions (%) | 16.73 | 9.52 | 12.07 | 7.93 | 6.22 | 5.97 | 5.99 |
| Number of problem institutions | 117 | 61 | 76 | 50 | 52 | 80 | 116 |
| Assets of problem institutions (in billions) | $78 | $24 | $22 | $8 | $7 | $28 | $30 |
| Number of failed/assisted institutions | 4 | 1 | 3 | 0 | 0 | 4 | 3 |
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* Excludes insured branches of foreign banks (IBAs). ** Through June 30, ratios annualized where appropriate Asset growth rates are for 12 months ending June 30. |
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| Last Updated 08/26/2008 | Questions, Suggestions & Requests |
