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A review of bank performance in the Fifth District, 1984

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  • David L. Mengle
  • John R. Walter

Abstract

1984 was another strong year for Fifth District banks. Average return on assets, though slightly lower than in 1983, was still higher than the national average. This article, by David L. Mengle and John R. Walter, analyzes the factors affecting the profitability of District banks in 1984 to explain this relatively strong performance. District banks were successful in reducing noninterest expense in 1984, and maintaining net interest margins higher than the national average. Increases in provisions for loan losses, however, reduced returns slightly below 1983 levels. District banks capital positions, which were already above the national average, were further strengthened in 1984, leaving those banks well-equipped for continued growth.

Suggested Citation

  • David L. Mengle & John R. Walter, 1985. "A review of bank performance in the Fifth District, 1984," Economic Review, Federal Reserve Bank of Richmond, vol. 71(Jul), pages 12-22.
    • Handle: RePEc:fip:fedrer:y:1985:i:jul:p:12-22:n:v.71no.4
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    References listed on IDEAS

    as
    1. Michael C. Keeley & Gary C. Zimmerman, 1985. "Competition for money market deposit accounts," Economic Review, Federal Reserve Bank of San Francisco, issue Spr, pages 5-27.
    2. R. Alton Gilbert & Courtenay C. Stone & Michael E. Trebing, 1985. "The new bank capital adequacy standards," Review, Federal Reserve Bank of St. Louis, vol. 67(May), pages 12-20.
    3. George G. Kaufman, 1984. "Measuring and managing interest rate risk: A primer," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 8(Jan), pages 16-29.
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