An abstract for this article is not available.

Profits at Fifth District commercial banks declined significantly during 1987. But the Fifth District decline pales in comparison with the dramatic fall in profitability for banks in the rest of the nation. Much of the decline in both Fifth District banks and throughout the nation was due to...

An abstract for this article is not available.

An abstract for this article is not available

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...

Gains from sales of securities and lower loan loss previsions helped bring higher profits to large Fifth District commercial banks in 1986. At the same time, small- and medium-sized bank profits fell slightly in the District from the previous year. As in the past few years, Fifth District banks...

A review of District banks’ 1989 financial measures, including net interest margin, loan and lease loss provision, noninterest income and expense, taxes, profits, and capital. In general, District banks outperformed banks nationally.

An abstract for this article is not available

Reduced provisions for loan losses in 1988 boosted bank profits in the Fifth District and nationwide. Profit ratios also may have been influenced somewhat by subsidiary banks’ payment of management fees to their holding companies.

Although the profitability of U.S. small banks shrank in the 1980s, two percent of these banks remained highly profitable by emphasizing basic banking, namely acquiring low-cost funds and making low-risk investments.