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Federal Reserve Bank of Atlanta
Economic Review
F.Y.I.: commercial bank profits in 1994
Lynn W. Woosley
James D. Baer

Commercial banks enjoyed another year of high profits in 1994, reporting record net income. However, rapid asset and capital growth slightly reduced rates of return on assets and equity. Banks in the Southeast again outperformed those in the nation as a whole. This article examines the forces behind this performance, concluding that healthy economic conditions augmented banks' bottom lines by stimulating loan growth and curtailing loan losses. Much of the decline in rates of return can be attributed to changes in accounting rules, which resulted in a one-time addition to assets. Extensive tables provide data from 1990 through 1994.

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Lynn W. Woosley & James D. Baer, "F.Y.I.: commercial bank profits in 1994" , Federal Reserve Bank of Atlanta, Economic Review, issue May, pages 11-31, 1995.
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Keywords: Bank profits - South ; Federal Reserve District; 6th
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Fed-in-Print is the central catalog of publications within the Federal Reserve System. It is managed and hosted by the Economic Research Division, Federal Reserve Bank of St. Louis.

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