Interesting, but if you look at the graph banks were already well on a downward trend before 1994 - there were 14.4K banks in 1984, 13.4K in 1988, 12.5K in 1990

Interesting, but if you look at the graph banks were already well on a downward trend before 1994 - there were 14.4K banks in 1984, 13.4K in 1988, 12.5K in 1990, 11.7K in 1992.