This led to an increase in the full year earnings

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This led to an increase in the full-year earnings this was the first increase in six years. The report indicates that there was an increase in the net charge-offs, the banks within the region reduced their monies for the loan losses within the fourth quarter. A registered improvement in the coverage ratio of reserves to noncurrent loans. This was the maximum level for ratio since mid-year 2008where there was an increase in non-real estate commercial loan losses. Connectively, there was an increase in the retained earnings contribution to equity growth as banks increased their fourth quarter dividends. The collective increase led to a total assets increase where the total loans and leases rose. Moreover, the loans to
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Surname 2 nonresidential real estate loans increased loans accessible to small businesses and farms increased. It was clear that deposits made to the bank increased during the fourth quarter only in domestic offices. Banks registered a decline in foreign deposits. This led to a decline in the nondeposit liabilities within the quarter. Lastly, from the report it was evident that the number of FDIC-insured commercial banks, savings institutions and financial institutions reporting quarterly financial results declined. This was as a result of merging of institutions.
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Surname 3 Works Cited Waldrop, Ross. Quarterly banking profile fourth quarter 2015. 2015. Print
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  • Fall '17
  • Marijane Hancock
  • Balance Sheet, Generally Accepted Accounting Principles, Quarterly Banking Profile

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