Financial Update (April-June 1997)

Regional Commercial Bank Data
Percent change from
($ millions) Mar. 31, 1997 Dec. 31, 1996 Mar. 31, 1996 Dec. 31, 1996 Mar. 31, 1996
Total loans and leases
United States $ 2,776,366 $ 2,814,823r $ 2,634,919r -1.4 5.4
Sixth District States 374,911 349,189r 313,289r -0.4 11.1
Alabama
43,752 42,600r 37,731 2.7 16.0
Florida
112,427 110,634 102,462 1.6 9.7
Georgia
96,016 101,651 89,175 -5.5 7.7
Louisiana
27,921 27,727 24,433 0.7 14.3
Mississippi
17,076 17,040 15,884r 0.2 7.5
Tennessee
50,719 49,537 43,604 2.4 16.3
Total deposits
United States $ 2,718,558 $ 2,726,464r $ 2,571,325r -0.3 5.7
Sixth District States 391,991 390,487 372,676 0.4 5.2
Alabama
45,359 44,610 42,051 1.7 7.9
Florida
128,821 129,493 125,350 -0.5 2.8
Georgia
97,531 98,115 92,516 -0.6 5.4
Louisiana
38,263 37,882 37,056 1.0 3.3
Mississippi
24,012 23,391 22,934 2.7 4.7
Tennessee
58,005 56,996 52,769 1.8 9.9


By bank size (consolidated assets)
(Percentages) All banks $0-$100
million
$100 million-
$1 billion
$1 billion+
Return on average assets,
first quarter 1997, year-to-date
United States 0.32 0.32 0.33 0.31
Sixth District States 0.34 0.31 0.35 0.34
Alabama
0.33 0.33 0.31 0.33
Florida
0.35 0.22 0.30 0.37
Georgia
0.33 0.34 0.41 0.31
Louisiana
0.30 0.34 0.33 0.29
Mississippi
0.34 0.35 0.35 0.34
Tennessee
0.35 0.32 0.37 0.34
Capital-to-assets ratio
as of March 31, 1997
United States 8.53 10.77 9.79 8.11
Sixth District States 8.89 10.63 9.57 8.49
Alabama
7.93 11.03 9.34 7.18
Florida
8.49 11.12 9.14 8.17
Georgia
9.47 10.25 9.55 9.36
Louisiana
9.65 11.13 10.56 8.95
Mississippi
9.61 10.56 9.58 9.41
Tennessee
8.72 9.92 9.69 8.13


Bank data are taken from the quarterly Reports of Condition and Income (Call Reports) filed with the federal bank regulatory agencies by federally insured commercial banks. Data include domestic operations only. Total loans and leases are net of unearned income. For a description of methodologies see Lynn W. Woosley and James D. Baer, "Commercial Bank Profits in 1994," Federal Reserve Bank of Atlanta, Economic Review 80 (May/June 1995): 11-31.

Data for Louisiana, Mississippi, and Tennessee cover the entire state, not just the Sixth District portion of the state.

r Revised
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