Despite analysts' doubts, earnings earnings of the top U.S. banks rose again in 1995, taking return on equity and on assets to record highs, and nonperforming assets to new lows.

In American Banker's latest annual survey of the nation's biggest banks, average return on assets for the top 51 climbed to 1.2%, from 1.1% in 1994. Return on average equity rose to nearly 15.8%, from 14.9%.

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