| TABLE I-A. Selected Indicators, FDIC-Insured Institutions* |
| |
2008** |
2007** |
2007 |
2006 |
2005 |
2004 |
2003 |
| Return on assets (%) |
0.33 |
1.10 |
0.81 |
1.28 |
1.28 |
1.28 |
1.38 |
| Return on equity (%) |
3.35 |
10.49 |
7.75 |
12.30 |
12.43 |
13.20 |
15.05 |
| Core capital (leverage) ratio (%) |
7.81 |
8.14 |
7.97 |
8.22 |
8.25 |
8.11 |
7.88 |
| Noncurrent assets plus other real estate owned to assets (%) |
1.54 |
0.73 |
0.94 |
0.54 |
0.50 |
0.53 |
0.75 |
| Net charge-offs to loans (%) |
1.18 |
0.50 |
0.59 |
0.39 |
0.49 |
0.56 |
0.78 |
| Asset growth rate (%) |
6.83 |
8.10 |
9.89 |
9.04 |
7.63 |
11.37 |
7.58 |
| Net interest margin (%) |
3.33 |
3.31 |
3.29 |
3.31 |
3.47 |
3.52 |
3.73 |
| Net operating income growth (%) |
-62.87 |
-9.21 |
-27.57 |
8.53 |
11.43 |
3.99 |
16.38 |
| Number of institutions reporting |
8,384 |
8,559 |
8,534 |
8,680 |
8,833 |
8,976 |
9,181 |
| Commercial banks |
7,146 |
7,303 |
7,283 |
7,401 |
7,526 |
7,631 |
7,770 |
| Savings institutions |
1,238 |
1,256 |
1,251 |
1,279 |
1,307 |
1,345 |
1,411 |
| Percentage of unprofitable institutions (%) |
21.00 |
10.33 |
12.07 |
7.93 |
6.22 |
5.97 |
5.99 |
| Number of problem institutions |
171 |
65 |
76 |
50 |
52 |
80 |
116 |
| Assets of problem institutions (in billions) |
$116 |
$19 |
$22 |
$8 |
$7 |
$28 |
$30 |
| Number of failed/assisted institutions |
13 |
2 |
3 |
0 |
0 |
4 |
3 |
|
* Excludes insured branches of foreign banks (IBAs).
** Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30.
|
