Small
Commercial Bank Ratios (Total Assets Less Than $1 Billion)
Percent
as of:
6/30/04
6/30/03
6/30/02
6/30/01
Annualized Return
on Average Assets
United States
1.19
1.20
1.17
1.15
Southeast
1.10
1.08
1.07
1.04
Alabama
1.19
1.09
1.23
0.95
Florida
0.91
0.90
0.78
0.72
Georgia
1.19
1.16
1.08
1.25
Louisiana
1.28
1.27
1.29
1.17
Mississippi
1.21
1.20
1.25
0.98
Tennessee
1.00
1.04
1.11
1.16
Annualized Return
on Average Equity
United States
11.80
11.83
11.63
11.66
Southeast
11.11
10.62
10.29
10.18
Alabama
11.86
10.70
12.27
9.99
Florida
9.57
8.09
7.09
9.58
Georgia
12.09
11.18
10.20
12.24
Louisiana
25.06
23.06
22.93
21.37
Mississippi
11.63
11.49
12.12
9.65
Tennessee
9.72
9.97
10.12
10.70
Net Interest
Income/Total Income
United States
58.94
55.60
52.92
44.17
Southeast
61.45
56.77
49.98
41.53
Alabama
60.93
57.02
53.64
43.27
Florida
62.73
57.94
55.71
45.40
Georgia
59.60
53.19
50.73
41.51
Louisiana
63.64
60.25
57.64
49.48
Mississippi
61.67
58.11
53.92
43.74
Tennessee
61.71
58.10
37.92
33.06
Total Noninterest
Income/Total Income
United States
20.12
19.74
17.59
15.41
Southeast
16.44
17.21
21.20
18.01
Alabama
13.29
12.78
11.51
8.84
Florida
15.67
16.76
13.99
12.95
Georgia
18.40
21.38
18.72
17.63
Louisiana
17.84
17.60
15.10
12.35
Mississippi
16.08
15.10
13.60
11.06
Tennessee
15.61
14.78
39.85
32.58
Loan/Deposits
United States
80.38
77.95
78.51
78.53
Southeast
82.01
79.76
79.58
78.80
Alabama
77.58
76.55
78.43
77.64
Florida
81.10
79.74
79.17
79.01
Georgia
90.10
86.50
86.45
83.62
Louisiana
75.04
72.79
71.35
70.99
Mississippi
75.66
72.56
71.43
71.44
Tennessee
80.67
79.25
79.29
79.53
Number of Reporting
Banks
United States
7,210
7,356
7,508
7,717
Southeast
1,113
1,111
1,123
1,147
Alabama
144
142
143
147
Florida
248
251
248
249
Georgia
317
308
316
326
Louisiana
133
136
138
140
Mississippi
87
90
91
94
Tennessee
184
184
187
191
Note: Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income
