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About Us
We’re one of 12 regional Federal Reserve Banks working together with the Board of Governors to support a healthy economy. Our job is to serve the American public — to serve you. And our mission is to foster economic stability and strength.

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Banking & Supervision
We help ensure our financial system is operating safely and effectively, and we help support secure and efficient methods to transfer your funds through our financial system.
Economic Research
We conduct research to support policymaking and thought leadership on issues important to the Federal Reserve and the Fifth District. We also inform the public through our data and economic analysis, publications, presentations and educational resources.

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Region & Communities
We share research, data and resources and regularly engage regional leaders and policymakers to understand and address community‑specific economic issues.
- Small Town & Rural Initiative
- Regional Data & Analysis
- Community Development & Engagement
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Education
We work with teachers, students and the public to enhance understanding of economics, personal finance and the Federal Reserve.

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Economic Review

May/Jun, 1989

Fifth District Banks' Return on Assets: Highest in Decade

John R. Walter and Donald L. Welker

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.

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Lisa Davis (804) 697-8179

Economic Review

May/Jun, 1989

Fifth District Banks' Return on Assets: Highest in Decade

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