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F.Y.I.: commercial bank profits in 1994

Author

Listed:
  • James D. Baer
  • Lynn W. Woosley

Abstract

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.

Suggested Citation

  • James D. Baer & Lynn W. Woosley, 1995. "F.Y.I.: commercial bank profits in 1994," Economic Review, Federal Reserve Bank of Atlanta, vol. 80(May), pages 11-31.
    • Handle: RePEc:fip:fedaer:y:1995:i:may:p:11-31:n:v.80no.3
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