The time to change is when you can afford it.

First, the numbers: 1993 bank profits were $43.4 billion, a third higher than the 1992 record. Return on assets was 1.21%, the first time since the FDIC was created that full-year ROA exceeded one percent. Ninety-five percent of all commercial banks had positive earnings. Two of every three had higher earnings than 1992.

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