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Accessible Version
Figure 1: Number of Community Banks
Number of banks
Make Full ScreenYear | Total | Urban | Rural |
---|---|---|---|
1997 | 10221 | 4766 | 5455 |
1998 | 9786 | 4529 | 5257 |
1999 | 9545 | 4486 | 5059 |
2000 | 9289 | 4412 | 4877 |
2001 | 9069 | 4336 | 4733 |
2002 | 8849 | 4242 | 4607 |
2003 | 8681 | 4159 | 4522 |
2004 | 8479 | 4057 | 4422 |
2005 | 8315 | 4006 | 4309 |
2006 | 8185 | 3995 | 4190 |
2007 | 8062 | 3989 | 4073 |
2008 | 7926 | 3962 | 3964 |
2009 | 7687 | 3804 | 3883 |
2010 | 7380 | 3613 | 3767 |
2011 | 7128 | 3456 | 3672 |
2012 | 6860 | 3285 | 3575 |
2013 | 6590 | 3120 | 3470 |
2014 | 6295 | 2954 | 3341 |
2015 | 5985 | 2770 | 3215 |
2016 | 5695 | 2619 | 3076 |
2017 | 5455 | 2482 | 2973 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 2: Average Size of Community Banks
Average assets (millions of dollars)
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 294.29 | 86.96 |
1998 | 302.37 | 95.99 |
1999 | 309.68 | 97.96 |
2000 | 322.13 | 105.48 |
2001 | 348.40 | 115.43 |
2002 | 366.75 | 125.29 |
2003 | 393.37 | 130.79 |
2004 | 416.88 | 138.74 |
2005 | 443.43 | 147.87 |
2006 | 463.80 | 160.94 |
2007 | 479.96 | 170.91 |
2008 | 495.19 | 187.30 |
2009 | 508.61 | 196.50 |
2010 | 522.56 | 201.18 |
2011 | 547.47 | 207.72 |
2012 | 577.86 | 217.06 |
2013 | 600.50 | 224.30 |
2014 | 653.20 | 237.70 |
2015 | 730.09 | 251.56 |
2016 | 794.77 | 264.22 |
2017 | 843.37 | 269.88 |
Note: Assets are in 2005 dollars.
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 3: Average Number of Offices per Community Bank
Number of offices
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 5.55 | 2.76 |
1998 | 5.47 | 2.87 |
1999 | 5.63 | 2.98 |
2000 | 5.61 | 3.10 |
2001 | 5.82 | 3.29 |
2002 | 5.99 | 3.43 |
2003 | 6.19 | 3.51 |
2004 | 6.38 | 3.59 |
2005 | 6.67 | 3.68 |
2006 | 6.88 | 3.85 |
2007 | 6.99 | 4.04 |
2008 | 7.14 | 4.27 |
2009 | 7.40 | 4.42 |
2010 | 7.70 | 4.50 |
2011 | 8.01 | 4.46 |
2012 | 8.26 | 4.47 |
2013 | 8.45 | 4.55 |
2014 | 8.74 | 4.65 |
2015 | 9.17 | 4.78 |
2016 | 9.48 | 4.95 |
2017 | 9.49 | 4.91 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 4: Total Deposits at Community Banks
Billions of dollars
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 1084.64 | 395.14 |
1998 | 1055.89 | 419.69 |
1999 | 1042.13 | 406.43 |
2000 | 1069.57 | 418.97 |
2001 | 1127.97 | 446.22 |
2002 | 1173.27 | 467.11 |
2003 | 1231.00 | 477.75 |
2004 | 1269.24 | 492.97 |
2005 | 1360.62 | 513.13 |
2006 | 1422.19 | 545.26 |
2007 | 1441.83 | 557.47 |
2008 | 1488.37 | 592.33 |
2009 | 1521.94 | 624.94 |
2010 | 1501.64 | 627.34 |
2011 | 1519.25 | 633.69 |
2012 | 1535.51 | 648.29 |
2013 | 1511.05 | 650.91 |
2014 | 1550.93 | 659.66 |
2015 | 1621.09 | 670.91 |
2016 | 1676.92 | 675.54 |
2017 | 1681.63 | 669.65 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 5: Total Loans at Community Banks
Billions of dollars
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 876.17 | 295.19 |
1998 | 844.41 | 311.04 |
1999 | 881.89 | 315.23 |
2000 | 923.34 | 336.42 |
2001 | 965.04 | 351.43 |
2002 | 972.66 | 369.90 |
2003 | 1030.87 | 376.97 |
2004 | 1113.76 | 402.15 |
2005 | 1199.38 | 426.92 |
2006 | 1277.75 | 458.85 |
2007 | 1346.51 | 477.53 |
2008 | 1386.73 | 512.87 |
2009 | 1298.46 | 506.20 |
2010 | 1223.93 | 483.82 |
2011 | 1200.78 | 466.33 |
2012 | 1213.63 | 464.81 |
2013 | 1228.29 | 478.38 |
2014 | 1306.19 | 495.81 |
2015 | 1399.10 | 516.65 |
2016 | 1467.53 | 532.17 |
2017 | 1497.12 | 534.28 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 6: Average Community Bank Return on Assets
Return on assets
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 0.009943 | 0.011271 |
1998 | 0.009222 | 0.010724 |
1999 | 0.008356 | 0.010492 |
2000 | 0.008203 | 0.010487 |
2001 | 0.007616 | 0.009597 |
2002 | 0.008721 | 0.010679 |
2003 | 0.008777 | 0.010481 |
2004 | 0.008677 | 0.010677 |
2005 | 0.009096 | 0.010895 |
2006 | 0.008303 | 0.010497 |
2007 | 0.005782 | 0.009839 |
2008 | -0.001364 | 0.006974 |
2009 | -0.004692 | 0.004485 |
2010 | -0.000728 | 0.006252 |
2011 | 0.002639 | 0.007590 |
2012 | 0.005490 | 0.008659 |
2013 | 0.006543 | 0.008738 |
2014 | 0.007175 | 0.009233 |
2015 | 0.007883 | 0.009481 |
2016 | 0.008242 | 0.009584 |
2017 | 0.007800 | 0.009473 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 7: Average Community Bank Return on Equity
Return on equity
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 0.105952 | 0.110936 |
1998 | 0.099827 | 0.106312 |
1999 | 0.095648 | 0.109156 |
2000 | 0.090868 | 0.104326 |
2001 | 0.083499 | 0.096201 |
2002 | 0.092034 | 0.103489 |
2003 | 0.093089 | 0.102367 |
2004 | 0.090919 | 0.104646 |
2005 | 0.096123 | 0.107795 |
2006 | 0.086281 | 0.103019 |
2007 | 0.062331 | 0.094557 |
2008 | -0.012428 | 0.064577 |
2009 | -0.077901 | 0.033738 |
2010 | -0.031934 | 0.050054 |
2011 | 0.009098 | 0.063804 |
2012 | 0.045940 | 0.077256 |
2013 | 0.059453 | 0.082280 |
2014 | 0.065053 | 0.083741 |
2015 | 0.071463 | 0.085489 |
2016 | 0.075969 | 0.086877 |
2017 | 0.071479 | 0.084528 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 8: Average Community Bank Charge-off Ratio
Charge-offs/loans
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 0.002037 | 0.002150 |
1998 | 0.002009 | 0.002245 |
1999 | 0.001697 | 0.002182 |
2000 | 0.001741 | 0.002191 |
2001 | 0.002227 | 0.002891 |
2002 | 0.002280 | 0.003050 |
2003 | 0.002104 | 0.002738 |
2004 | 0.001590 | 0.002181 |
2005 | 0.001259 | 0.001733 |
2006 | 0.001215 | 0.001534 |
2007 | 0.001906 | 0.002115 |
2008 | 0.005480 | 0.003848 |
2009 | 0.011537 | 0.007171 |
2010 | 0.011171 | 0.006602 |
2011 | 0.008627 | 0.005264 |
2012 | 0.005858 | 0.003760 |
2013 | 0.003407 | 0.002562 |
2014 | 0.002031 | 0.001792 |
2015 | 0.001257 | 0.001367 |
2016 | 0.001128 | 0.001502 |
2017 | 0.001097 | 0.001462 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council and Thrift Financial Reports filed with the Office of Thrift Supervision.
Figure 9: Average Number of Banks in Urban Markets
Number of banks
Make Full ScreenYear | All Banks | Community Banks | Large Banks |
---|---|---|---|
1997 | 26.42 | 20.75 | 5.67 |
1998 | 25.98 | 20.14 | 5.84 |
1999 | 26.83 | 20.44 | 6.38 |
2000 | 27.00 | 20.52 | 6.48 |
2001 | 27.35 | 20.79 | 6.56 |
2002 | 27.40 | 20.77 | 6.62 |
2003 | 27.63 | 20.75 | 6.88 |
2004 | 27.45 | 20.55 | 6.90 |
2005 | 28.04 | 20.73 | 7.31 |
2006 | 28.37 | 21.23 | 7.14 |
2007 | 29.29 | 21.65 | 7.64 |
2008 | 29.67 | 22.21 | 7.46 |
2009 | 29.13 | 22.03 | 7.10 |
2010 | 28.93 | 21.63 | 7.30 |
2011 | 28.49 | 21.14 | 7.35 |
2012 | 28.26 | 20.62 | 7.65 |
2013 | 27.73 | 20.00 | 7.73 |
2014 | 27.23 | 19.52 | 7.71 |
2015 | 26.56 | 18.95 | 7.61 |
2016 | 26.49 | 18.62 | 7.88 |
2017 | 26.08 | 17.92 | 8.15 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 10: Average Number of Banks in Rural Markets
Number of banks
Make Full ScreenYear | All Banks | Community Banks | Large Banks |
---|---|---|---|
1997 | 4.95 | 4.03 | 0.92 |
1998 | 5.00 | 3.99 | 1.01 |
1999 | 5.11 | 4.01 | 1.11 |
2000 | 5.09 | 3.91 | 1.18 |
2001 | 5.18 | 4.05 | 1.13 |
2002 | 5.28 | 4.08 | 1.20 |
2003 | 5.24 | 4.11 | 1.14 |
2004 | 5.25 | 4.08 | 1.17 |
2005 | 5.36 | 4.11 | 1.26 |
2006 | 5.32 | 4.14 | 1.18 |
2007 | 5.46 | 4.16 | 1.30 |
2008 | 5.52 | 4.20 | 1.32 |
2009 | 5.51 | 4.22 | 1.29 |
2010 | 5.56 | 4.22 | 1.34 |
2011 | 5.52 | 4.18 | 1.34 |
2012 | 5.53 | 4.16 | 1.37 |
2013 | 5.50 | 4.11 | 1.39 |
2014 | 5.42 | 4.04 | 1.38 |
2015 | 5.35 | 4.03 | 1.32 |
2016 | 5.36 | 4.03 | 1.33 |
2017 | 5.30 | 3.92 | 1.38 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 11: Average Number of Bank Offices in Urban Markets
Number of offices
Make Full ScreenYear | All Banks | Community Banks | Large Banks |
---|---|---|---|
1997 | 167.86 | 79.55 | 88.31 |
1998 | 168.88 | 75.74 | 93.15 |
1999 | 172.96 | 76.73 | 96.23 |
2000 | 177.59 | 76.42 | 101.18 |
2001 | 178.02 | 77.53 | 100.49 |
2002 | 183.01 | 78.43 | 104.58 |
2003 | 186.31 | 79.12 | 107.19 |
2004 | 188.42 | 79.69 | 108.72 |
2005 | 201.25 | 81.38 | 119.88 |
2006 | 200.70 | 84.12 | 116.58 |
2007 | 209.86 | 85.69 | 124.17 |
2008 | 212.10 | 87.83 | 124.27 |
2009 | 212.25 | 88.01 | 124.25 |
2010 | 219.11 | 86.44 | 132.67 |
2011 | 218.14 | 84.88 | 133.25 |
2012 | 217.81 | 82.48 | 135.32 |
2013 | 215.35 | 80.45 | 134.91 |
2014 | 212.57 | 79.03 | 133.55 |
2015 | 207.34 | 77.49 | 129.85 |
2016 | 206.46 | 75.44 | 131.02 |
2017 | 201.90 | 71.14 | 130.76 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 12: Average Number of Bank Offices in Rural Markets
Number of offices
Make Full ScreenYear | All Banks | Community Banks | Large Banks |
---|---|---|---|
1997 | 9.04 | 7.10 | 1.94 |
1998 | 9.01 | 6.90 | 2.11 |
1999 | 9.23 | 6.98 | 2.25 |
2000 | 9.26 | 6.82 | 2.44 |
2001 | 9.43 | 7.09 | 2.34 |
2002 | 9.61 | 7.16 | 2.45 |
2003 | 9.54 | 7.24 | 2.30 |
2004 | 9.54 | 7.22 | 2.32 |
2005 | 9.79 | 7.33 | 2.46 |
2006 | 9.70 | 7.43 | 2.27 |
2007 | 10.00 | 7.50 | 2.50 |
2008 | 10.14 | 7.59 | 2.55 |
2009 | 10.11 | 7.61 | 2.50 |
2010 | 10.14 | 7.60 | 2.55 |
2011 | 10.04 | 7.49 | 2.55 |
2012 | 9.97 | 7.41 | 2.56 |
2013 | 9.84 | 7.27 | 2.58 |
2014 | 9.65 | 7.13 | 2.52 |
2015 | 9.48 | 7.07 | 2.40 |
2016 | 9.46 | 7.04 | 2.42 |
2017 | 9.28 | 6.80 | 2.48 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 13: Average Share of Market Deposits Held by Community Banks
Market share
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 0.4867 | 0.7990 |
1998 | 0.4629 | 0.7929 |
1999 | 0.4508 | 0.7838 |
2000 | 0.4328 | 0.7654 |
2001 | 0.4457 | 0.7802 |
2002 | 0.4430 | 0.7741 |
2003 | 0.4527 | 0.7956 |
2004 | 0.4523 | 0.7882 |
2005 | 0.4285 | 0.7819 |
2006 | 0.4478 | 0.7954 |
2007 | 0.4313 | 0.7814 |
2008 | 0.4271 | 0.7796 |
2009 | 0.4334 | 0.7879 |
2010 | 0.4263 | 0.7894 |
2011 | 0.4172 | 0.7908 |
2012 | 0.4051 | 0.7886 |
2013 | 0.3942 | 0.7835 |
2014 | 0.3932 | 0.7803 |
2015 | 0.3913 | 0.7843 |
2016 | 0.3828 | 0.7829 |
2017 | 0.3700 | 0.7719 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 14: Average Market Share per Community Bank
Market share
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 0.0235 | 0.1958 |
1998 | 0.0230 | 0.1964 |
1999 | 0.0221 | 0.1933 |
2000 | 0.0211 | 0.1931 |
2001 | 0.0214 | 0.1905 |
2002 | 0.0213 | 0.1878 |
2003 | 0.0218 | 0.1915 |
2004 | 0.0220 | 0.1908 |
2005 | 0.0207 | 0.1882 |
2006 | 0.0211 | 0.1898 |
2007 | 0.0199 | 0.1857 |
2008 | 0.0192 | 0.1836 |
2009 | 0.0197 | 0.1848 |
2010 | 0.0197 | 0.1849 |
2011 | 0.0197 | 0.1867 |
2012 | 0.0197 | 0.1874 |
2013 | 0.0197 | 0.1888 |
2014 | 0.0201 | 0.1903 |
2015 | 0.0206 | 0.1917 |
2016 | 0.0206 | 0.1916 |
2017 | 0.0206 | 0.1941 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 15: Average Number of Headquarters in Rural and Urban Markets
Number of headquarters
Make Full ScreenYear | Urban | Rural |
---|---|---|
1997 | 16.28 | 2.44 |
1998 | 15.48 | 2.34 |
1999 | 15.30 | 2.26 |
2000 | 14.99 | 2.18 |
2001 | 14.61 | 2.11 |
2002 | 14.27 | 2.06 |
2003 | 13.97 | 2.02 |
2004 | 13.62 | 1.97 |
2005 | 13.31 | 1.93 |
2006 | 13.22 | 1.88 |
2007 | 13.14 | 1.83 |
2008 | 13.04 | 1.77 |
2009 | 12.51 | 1.74 |
2010 | 11.77 | 1.69 |
2011 | 11.24 | 1.64 |
2012 | 10.29 | 1.56 |
2013 | 10.17 | 1.55 |
2014 | 9.64 | 1.49 |
2015 | 9.03 | 1.43 |
2016 | 8.53 | 1.38 |
2017 | 8.11 | 1.34 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.
Figure 16: Number of Markets with Zero Headquarters
Year | Number of markets |
---|---|
1997 | 356 |
1998 | 381 |
1999 | 398 |
2000 | 420 |
2001 | 443 |
2002 | 458 |
2003 | 469 |
2004 | 488 |
2005 | 501 |
2006 | 530 |
2007 | 548 |
2008 | 565 |
2009 | 581 |
2010 | 605 |
2011 | 621 |
2012 | 653 |
2013 | 657 |
2014 | 680 |
2015 | 713 |
2016 | 735 |
2017 | 756 |
Source: Federal Reserve Board staff calculations using bank Reports of Condition and Income filed with the Federal Financial Institutions Examination Council, Thrift Financial Reports filed with the Office of Thrift Supervision, and Summary of Deposits filed with the Federal Deposit Insurance Corporation.