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Profits and balance sheet developments at U.S. commercial banks in 1996

Author

Listed:
  • William R. Nelson
  • Ann L. Owen

Abstract

U.S. commercial banks had another very good year in 1996. Profits posted strong growth, preserving the high levels of return on equity and return on assets that have prevailed over the past four years. Helping to boost profits were continued strong growth of interest-earning assets, a slight widening of the net interest margin, significant gains in noninterest income, and continued containment of noninterest expenses. Return on assets edged up despite a slight increase in provisioning for loan and lease losses relative to assets. Delinquency and charge-off rates stayed low for business loans but climbed throughout the year for consumer loans.

Suggested Citation

  • William R. Nelson & Ann L. Owen, 1997. "Profits and balance sheet developments at U.S. commercial banks in 1996," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 83(Jun), pages 465-489, June.
    • Handle: RePEc:fip:fedgrb:y:1997:i:jun:p:465-489:n:v.83no.6
    DOI: 10.17016/bulletin.1997.83-6
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    File URL: http://www.federalreserve.gov/pubs/bulletin/1997/199706lead.pdf
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    More about this item

    Keywords

    Bank assets; Banks and banking;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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