CHARLOTTESVILLE, Va.-In-branch transactions may be on the decline, but the west coast and southeast are seeing a boom in branch growth.

That's according to a recent study from SNL Financial, which notes that the Greater Miami region leads the way for branch growth (for regions with one-million residents or more), with many of the next 10 spots spread out along the west coast, including the Los Angeles area, Portland, San Jose, and Seattle.

Yet while South Florida leads the nation in branch growth (a net increase of 32 branches between 2011 and 2012), it does not show up in the top 10 fastest growing metro areas for deposits (where the Twin Cities region leads with $158.66 billion, a 43% increase over 2011). Perhaps not surprisingly, the Miami area also saw the biggest unemployment drop of all the regions on this list, a 2.6 percentage-point decrease from last year. The study notes that new branches continue to be smaller and staffed by fewer employees, as FIs continue to push self-service channels.

Miami/Ft. Lauderdale is only ranked eighth in the largest metro areas for deposit and branch growth, while New York (as well as Northern New Jersey and Long Island) leads the way with $1.1 trillion in deposits, a 7% increase over last year, and more than 5,700 branches-76 fewer branches than in 2011, but still nearly double that of Chicago, which holds the number three slot on that list. Los Angeles is ranked second, with 4.2% deposit growth and 18 additional branches for 2012.

Much of the data is based on SNL research and FDIC deposit summaries.

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