摘要：Profitability and asset quality continued to decline
at both large organizations and community banks (see
table on last page). Total loans at large organizations
declined 2.2 percent nationally and 2.0 percent locally
in the fourth quarter. On an annualized basis, this
represents a decline of 8.7 percent nationally and 7.7
percent locally. At community banks, however, total
loans increased 0.9 percent nationally and 3.1 percent
locally in the fourth quarter. This represents an
increase of 3.4 percent nationally and 13.1 percent
locally on an annualized basis.
