Financial Update (April-June 1996)

Regional Commercial Bank Data
Percent change from
($ millions) Dec. 31, 1995 Sept. 30, 1995 Dec. 31, 1994 Sept. 30, 1995 Dec. 31, 1994
Total loans and leases
United States $2,605,310 $2,557,308b $2,359,733b 1.9 10.7
Sixth District States 305,490 300,760b 275,324 1.6 11.0
Alabama
36,961 36,669 33,655 0.8 9.8
Floridaa
99,698 110,539 103,971 -9.8 -4.1
Georgiaa
85,550 73,265 65,388 16.8 30.8
Louisiana
24,567 23,270b 20,727 5.6 18.5
Mississippi
15,786 15,691 14,306 0.6 10.3
Tennessee
42,928 41,324 37,277 3.9 15.2
Total deposits
United States $2,573,546 $2,480,221 $2,442,357b 3.7 5.4
Sixth District States 364,943 351,877b 342,748b 3.7 6.5
Alabama
41,379 40,137 39,013 3.1 6.1
Floridaa
124,270 136,803 134,627b -9.2 -7.7
Georgiaa
88,080 67,294 64,303 30.9 37.0
Louisiana
36,863 35,585 35,378 3.6 4.2
Mississippi
22,263 21,946 21,156 1.4 5.2
Tennessee
52,088 50,112b 48,271 3.9 7.9


By bank size (consolidated assets)
(Percentages) All banks $0 - $100 million $100 million
- $1 billion
$1 billion+
Return-on-average-assets,
Fourth quarter 1995, year-to-date
United States 1.21 1.22 1.27 1.19
Sixth District States 1.34 1.24 1.35 1.36
Alabama
1.30 1.26 1.25 1.32
Florida
1.29 1.02 1.22 1.35
Georgia
1.41 1.32 1.48 1.40
Louisiana
1.38 1.36 1.46 1.34
Mississippi
1.36 1.35 1.43 1.31
Tennessee
1.34 1.22 1.40 1.34
Capital-to-assets ratio
as of Dec. 31, 1995
United States 8.12 10.55 9.46 7.62
Sixth District States 8.83 10.47 9.41 8.38
Alabama
8.31 11.01 9.62 7.60
Florida
8.40 10.83 9.02 7.92
Georgia
9.42 10.37 9.50 9.27
Louisiana
9.36 10.93 10.37 8.48
Mississippi
9.33 10.62 9.27 9.08
Tennessee
8.60 10.08 9.42 7.90


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.

a Effective as of the close of business on Dec. 30, 1995, NationsBank of Florida, N.A., Madison, Fla., merged into NationsBank, N.A. (South), Atlanta, Ga. As a result of the merger, the data reported on the Reports of Condition for fourth quarter 1995 for the Florida bank have all been reported for the state of Georgia.
b These numbers have been revised to reflect an appropriate change in methodology.
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