Statistics At A Glance Historical Trends 

 As of December 31, 2023

Dollar Amounts in Billions 2023 20231 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003

Number of FDIC-Insured 4,587 4,706 4,839 5,002 5,177 5,406 5,670 5,913 6,182 6,509 6,812 7,083 7,357 7,658 8,012 8,304 8,534 8,680 8,833 8,976 9,181

Number of FDIC-Supervised 2,930 3,032 3,122 3,221 3,338 3,483 3,637 3,787 3,947 4,138 4,312 4,460 4,598 4,715 4,941 5,097 5,198 5,220 5,245 5,264 5,319

Total Assets $ 23,669 23,599 23,720 21,869 18,646 17,943 17,415 16,780 15,968 15,554 14,731 14,450 13,891 13,319 13,087 13,818 13,034 11,862 10,879 10,107 9,076

Total Loans $ 12,452 12,227 11,247 10,864 10,518 10,152 9,721 9,305 8,839 8,309 7,893 7,695 7,474 7,375 7,282 7,858 7,906 7,234 6,718 6,121 5,435

Domestic Deposits $ 17,345 17,725 18,190 16,290 13,221 12,613 12,081 11,649 10,908 10,371 9,791 9,447 8,758 7,873 7,697 7,490 6,913 6,631 6,221 5,719 5,219

Bank Net Income $ 256.86 262.82 279.13 147.13 232.78 236.76 164.09 170.51 163.44 152.25 154.31 141.04 118.41 85.49 -9.96 9.09 99.94 145.22 133.82 122.22 120.61

Percent Profitable % 94.8 96.5 96.9 95.3 96.3 96.5 94.4 95.5 95.2 93.7 91.8 89.0 83.8 77.9 69.2 75.1 87.9 92.1 93.8 94.0 94.0

Average Return on Assets % 1.10 1.11 1.23 0.72 1.29 1.35 0.97 1.04 1.04 1.01 1.07 1.00 0.88 0.65 -0.08 0.07 0.81 1.28 1.28 1.28 1.38

Average Return on Equity % 11.50 11.82 12.21 6.85 11.38 11.98 8.60 9.27 9.29 9.01 9.54 8.90 7.79 5.85 -0.73 0.70 7.75 12.30 12.43 13.20 15.05

Net Interest Margin % 3.30 2.95 2.54 2.82 3.36 3.40 3.25 3.13 3.08 3.14 3.26 3.42 3.60 3.76 3.49 3.16 3.29 3.33 3.47 3.53 3.73

Equity to Assets % 9.69 9.34 9.94 10.17 11.32 11.25 11.22 11.10 11.24 11.15 11.15 11.17 11.16 11.15 10.88 9.38 10.34 10.52 10.28 10.28 9.15

Noncurrent Loan Rate - Total Loans2 % 0.86 0.74 0.89 1.19 0.91 0.99 1.20 1.42 1.56 1.96 2.63 3.60 4.20 4.87 5.44 2.94 1.42 0.80 0.74 0.80 1.12

 Real Estate Loans % 1.03 0.90 1.29 1.65 1.12 1.32 1.66 1.95 2.48 3.35 4.45 6.00 6.61 7.03 7.22 3.82 1.75 0.82 0.71 0.61 0.83

 C&I Loans % 0.73 0.67 0.68 0.99 0.79 0.68 0.90 1.28 0.78 0.50 0.63 0.88 1.29 2.44 3.43 1.69 0.67 0.64 0.77 1.16 2.06

 Loans to Individuals % 1.13 0.85 0.64 0.86 1.02 1.03 0.97 0.92 0.85 0.89 1.05 1.17 1.43 1.76 2.18 1.77 1.43 1.20 1.13 1.39 1.46

 Coverage Ratio3

% 203.31 217.32 178.72 183.71 129.89 124.39 106.30 92.18 85.97 75.39 65.59 58.55 60.98 64.47 57.72 74.99 91.66 134.80 154.70 168.03 140.30

Net Charge-Off Rate - All Loans % 0.52 0.27 0.25 0.50 0.52 0.48 0.50 0.47 0.44 0.49 0.69 1.10 1.55 2.55 2.52 1.28 0.59 0.39 0.49 0.56 0.78

 Real Estate Loans % 0.07 0.00 0.01 0.04 0.01 0.01 0.03 0.06 0.13 0.20 0.48 1.02 1.34 1.97 2.04 0.98 0.24 0.08 0.05 0.07 0.13

 C&I Loans % 0.35 0.17 0.19 0.53 0.36 0.28 0.38 0.45 0.27 0.24 0.32 0.51 0.90 1.77 2.37 1.01 0.54 0.32 0.32 0.54 1.25

 Loans to Individuals % 2.29 1.30 1.19 2.07 2.42 2.35 2.26 1.96 1.80 1.95 2.16 2.50 3.50 6.08 5.45 3.41 2.52 2.02 2.72 2.75 3.01

Commercial Banks 4,026 4,127 4,232 4,375 4,518 4,715 4,918 5,112 5,338 5,607 5,847 6,072 6,275 6,519 6,829 7,076 7,279 7,397 7,523 7,628 7,767

 New Reporters 6 14 11 7 13 7 5 0 1 0 1 0 3 9 25 89 165 178 166 122 110

 Mergers 100 115 152 145 204 226 196 221 264 237 203 172 165 184 152 259 282 305 269 261 223

Savings Institutions 561 579 607 627 659 691 752 801 844 902 965 1,011 1,082 1,139 1,183 1,228 1,255 1,283 1,310 1,348 1,414

 New Reporters 0 1 0 0 0 1 0 0 0 0 1 0 0 2 6 8 17 16 13 7 9

 Mergers 7 19 13 21 22 33 34 30 40 35 29 36 31 13 26 32 39 37 41 58 48

Problem Institutions

 Number 52 39 44 56 51 60 95 123 183 291 467 651 813 884 702 252 76 50 52 80 116

 Assets $ 66 47 170 56 46 48 14 28 47 87 153 233 319 390 403 159 22 8 7 28 30

Deposit Insurance Fund4

 Fund Balance $ 121.8 128.2 123.1 117.9 110.3 102.6 92.7 83.2 72.6 62.8 47.2 33.0 11.8 -7.4 -20.9 17.3 52.4 50.2 48.6 47.5 46.0

 Insured Deposits $ 10,621 10,251 9,902 9,102 7,810 7,517 7,157 6,916 6,519 6,196 5,998 7,402 6,973 6,302 5,408 4,751 4,292 4,154 3,891 3,622 3,452

 Reserve Ratio % 1.15 1.25 1.24 1.30 1.41 1.37 1.30 1.20 1.11 1.01 0.79 0.45 0.17 -0.12 -0.39 0.36 1.22 1.21 1.25 1.31 1.33

 Number Failed Institutions 5 0 0 4 4 0 8 5 8 18 24 51 92 157 140 25 3 0 0 4 3

 Failed Assets5 $ 532.228 0.000 0.000 0.455 0.209 0.000 5.082 0.277 6.706 2.914 6.044 11.617 34.923 92.085 169.709 371.945 2.615 0.000 0.000 0.170 0.947

 Number Assisted Institutions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8 5 0 0 0 0 0

 Assisted Assets5 $ 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.00 1,917.482 1306.042 0.000 0.000 0.000 0.000 0.000

 Estimated Losses(DIF)6 $ 19.947 0.000 0.000 0.091 0.025 0.000 1.080 0.042 0.858 0.378 1.203 2.380 6.391 15.421 24.781 17.745 0.157 0.000 0.000 0.004 0.063

 Resolution Receivables7 $ 97.778 0.521 0.885 1.367 2.669 3.058 5.973 7.790 11.578 18.181 16.345 23.1204 28.549 29.533 38.409 15.766 0.808 0.482 0.533 0.722 0.784

Number of FDIC Employees8 5,952 5,612 5,670 5,776 5,593 5,693 5,881 6,097 6,385 6,631 7,254 7,476 7,973 8,150 6,557 4,988 4,532 4,476 4,514 5,078 5,311

(Includes RTC before 1996)

1

Ratios annualized where appropriate.

2

Nonaccruing loans and loans past due 90+ days.

3

Loss reserve as a percentage of noncurrent loans.

4

Prior to 2006, amounts represent sum of separate BIF and SAIF amounts.

5

Prior years have been revised to reflect failed/assisted assets as reported on the Call Report for the quarter prior to failure/assistance.

6

Includes RTC resolutions from 1990-1995, excludes Transaction Account Guarantee program (TAG) losses from inception in 2008 until the program ended in 2011.

7

Includes remaining receivership assets from prior years.

8

Beginning in 2008, FDIC began reporting the number of FDIC employees based on a new, full-time equivalent methodology. Prior years have been revised to reflect the number of employees as reported in the FDIC Annual Report.