Large Institutions Have Become More Profitable Than Community Banks
All FDIC-InsuredCommercialBanksandSavingsInstitutions,1984-2003
Return on average assets (percent)
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
Assets > $100MM
0.5
0.6
0.5
-0.1
0.4
0.2
0.2
0.4
0.9
1.1
1.1
1.1
1.1
1.2
1.2
1.3
1.1
1.1
1.3
1.4
Assets < $100MM
0.7
0.6
0.3
0.3
0.3
0.4
0.5
0.7
0.9
1.1
1.1
1.1
1.1
1.1
1.1
1.0
0.9
0.9
1.0
1.0
* Asset size measured in 2003 dollars. $100 million in 2003 = $63.6 million in 1983.
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