Here is our quarterly report on banking industry trends and insights [link expired]. In a nutshell, banking improved by most measures as the average bank became more profitable. In a somewhat rare occurrence, lending got safer, yet loan pricing on new production improved. For the industry, the average return on equity (ROE) increased from 8.1% to 9.2%. Banks in the $5B to $10B asset range put in the largest improvement, followed by banks over $25B. Community banks held their own producing an 8.5% ROE, up from 8.2% last quarter.