Financial Update (July-September 1996)

Regional Commercial Bank Data
Percent change from
($ millions) Mar. 31, 1996 Dec. 31, 1995 Mar. 31, 1995 Dec. 31, 1995 Mar. 31, 1995
Total loans and leases
United States $2,634,264 $2,605,310 $2,425,276r 1.1 8.6
Sixth District States 313,213 305,490 282,134r 2.5 11.0
Alabama
37,731 36,961 34,241 2.1 10.2
Floridaa
102,434 99,698 105,682r 2.7 -3.1
Georgiaa
89,128 85,550 67,936 4.2 31.2
Louisiana
24,433 24,567 21,215 -0.5 15.2
Mississippi
15,883 15,786 14,596 0.6 8.8
Tennessee
43,604 42,928 38,464 1.6 13.4
Total deposits
United States $2,570,796 $2,573,546 $2,420,207r -0.1 6.2
Sixth District States 372,616 364,943 344,244 2.1 8.2
Alabama
42,051 41,379 39,229 1.6 7.2
Floridaa
125,350 124,270 134,279 0.9 -6.6
Georgiaa
92,456 88,080 64,862 5.0 42.5
Louisiana
37,056 36,863 35,389 0.5 4.7
Mississippi
22,934 22,263 21,705 3.0 5.7
Tennessee
52,769 52,088 48,780 1.3 8.2


By bank size (consolidated assets)
(Percentages) All banks $0 - $100
million
$100 million -
$1 billion
$1 billion+
Return-on-average-assets,
First quarter 1996, year-to-date
United States 0.28 0.31 0.32 0.27
Sixth District States 0.32 0.33 0.34 0.31
Alabama
0.34 0.33 0.32 0.35
Florida
0.32 0.31 0.30 0.33
Georgia
0.28 0.34 0.35 0.26
Louisiana
0.35 0.35 0.36 0.35
Mississippi
0.35 0.39 0.36 0.34
Tennessee
0.34 0.31 0.37 0.33
Capital-to-assets ratio
as of March 31,1996
United States 8.23 10.57 9.52 7.75
Sixth District States 9.01 10.51 9.37 8.67
Alabama
8.18 10.91 9.56 7.46
Florida
8.38 10.90 9.00 7.92
Georgia
9.92 10.21 9.25 10.03
Louisiana
10.01 10.93 10.45 9.57
Mississippi
9.20 10.51 9.20 8.88
Tennessee
8.61 9.86 9.50 7.96


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.
r Revised
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