Financial Update (October-December 1996)

Regional Commercial Bank Data
Percent change from
($ millions) June 30, 1996 Mar. 31, 1996 June 30, 1995 Mar. 31, 1996 June 30, 1995
Total loans and leases
United States $ 2,693,040 $ 2,634,756r $ 2,499,796r 2.2 7.7
Sixth District States 330,384 313,288r 294,047 5.5 12.4
Alabama
39,270 37,731 35,867 4.1 9.5
Floridaa
105,356 102,462r 110,286 2.8 -4.5
Georgiaa
99,247 89,175r 70,098 11.3 41.6
Louisiana
25,681 24,433 22,254 5.1 15.4
Mississippi
16,326 15,883 15,195 2.8 7.4
Tennessee
44,504 43,604 40,347 2.1 10.3
Total deposits
United States $ 2,599,384 $ 2,571,336r $ 2,467,543r 1.1 5.3
Sixth District States 372,416 372,676r 350,298 -0.1 6.3
Alabama
42,771 42,051 40,056 1.7 6.8
Floridaa
124,976 125,350 136,170 -0.3 -8.2
Georgiaa
91,934 92,516r 66,896 -0.6 37.4
Louisiana
36,728 37,056 35,640 -0.9 3.0
Mississippi
22,841 22,934 21,756 -0.4 5.0
Tennessee
53,166 52,769 49,780 0.8 6.8


By bank size (consolidated assets)
(Percentages) All banks $0-$100
million
$100 million-
$1 billion
$1 billion+
Return-on-average-assets,
Second quarter 1996, year-to-date
United States 0.61 0.63 0.65 0.60
Sixth District States 0.70 0.65 0.70 0.70
Alabama
0.67 0.62 0.63 0.69
Florida
0.78 0.53 0.57 0.86
Georgia
0.62 0.70 0.83 0.57
Louisiana
0.69 0.69 0.72 0.67
Mississippi
0.72 0.81 0.73 0.69
Tennessee
0.69 0.66 0.75 0.67
Capital-to-assets ratio
as of June 30, 1996
United States 8.33 10.54 9.54 7.90
Sixth District States 9.17 10.46 9.54 8.89
Alabama
8.06 10.82 9.47 7.34
Florida
8.46 10.66 9.17 8.12
Georgia
10.34 10.16 9.52 10.52
Louisiana
10.13 10.92 10.63 9.69
Mississippi
9.43 10.75 9.24 9.27
Tennessee
8.52 9.91 9.56 7.82


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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