Southern Commercial once lent 90 percent of its deposits, which total $180 million today.
The top 10 banks now control 32 percent of the nation's deposits, up from 19 percent at the end of 1990.
Federal law limits one bank to have no more than 10 percent of the country's deposits.
The amount represents about 5 percent of the bank's deposits.
That represents about three-tenths of 1 percent of the bank's deposits each year.
Chemical's bid, for example, represents 7.8 percent of First City's deposits.
Japanese could also take loans up to 90 percent of their deposits at low rates.
The reserve requirement is currently 3 percent to 10 percent of a bank's total deposits.
In seven days, Bank Central Asia lost 42 percent of its deposits.
The data show that Russia's debt is equal to 241 percent of its deposits abroad.