Quarterly net income of U.S. banking industry 2007-2024

The U.S. banking industry recorded its lowest quarterly net operating income during the fourth quarter of 2008, posting a loss of 35.7 billion U.S. dollars amid the global financial crisis. In subsequent years, the average quarterly income of FDIC-insured institutions showed an overall upward trend, despite periodic fluctuations. The COVID-19 pandemic triggered a sharp decline in earnings during the first half of 2020, though the sector recovered and stabilized by late 2021. Following this recovery, the industry experienced another period of declining quarterly income. However, earnings began to rebound toward the end of 2022. In the second quarter of 2024, the quarterly net income was 71.5 billion U.S. dollars.

美国银行业在2008年第四季度录得了其历史最低的季度净运营收入，在全球金融危机的背景下，录得357亿美元的亏损。在此之后，尽管存在周期性的波动，FDIC承保机构的平均季度收入总体呈现上升趋势。COVID-19大流行在2020年上半年引发了收益的急剧下降，尽管该行业在2021年底得以恢复并稳定下来。在此复苏之后，该行业又经历了一段季度收入下降的时期。然而，收益在2022年末开始反弹。到2024年第二季度，季度净收入达到了715亿美元。