Financial Update (Fourth Quarter 2003)



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Small Commercial Bank Ratios
(Total Assets Less Than $1 Billion)
Percent as of: 6/30/03 6/30/02 6/30/01 6/30/00
Annualized Return on Average Assets
United States 1.20 1.17 1.15 1.25
Southeast 1.08 1.07 1.04 1.22
Alabama 1.09 1.23 0.95 1.07
Florida 0.90 0.78 0.72 0.87
Georgia 1.16 1.08 1.25 1.51
Louisiana 1.28 1.29 1.17 1.11
Mississippi 1.20 1.25 0.98 1.13
Tennessee 1.04 1.11 1.16 1.43
Annualized Return on Average Equity
United States 11.84 11.62 11.67 12.91
Southeast 10.61 10.29 10.18 12.25
Alabama 10.70 12.27 9.99 11.52
Florida 9.56 8.09 7.09 8.75
Georgia 11.18 10.20 12.24 15.42
Louisiana 11.96 11.98 11.04 10.41
Mississippi 11.49 12.12 9.65 11.18
Tennessee 9.95 10.12 10.70 13.62
Net Interest Income/Total Income
United States 55.61 52.92 44.19 46.24
Southeast 56.78 49.98 41.53 44.78
Alabama 57.02 53.64 43.27 45.49
Florida 57.92 55.71 45.40 48.55
Georgia 53.23 50.72 41.51 44.01
Louisiana 60.25 57.64 49.48 51.75
Mississippi 58.11 53.92 43.74 47.53
Tennessee 58.13 37.92 33.06 37.66
Total Noninterest Income/Total Income
United States 19.70 17.60 15.41 15.34
Southeast 17.18 21.20 18.01 17.33
Alabama 12.78 11.51 8.84 9.61
Florida 16.76 13.99 12.95 13.14
Georgia 21.27 18.73 17.63 19.15
Louisiana 17.60 15.10 12.35 11.89
Mississippi 15.10 13.60 11.06 10.73
Tennessee 14.74 39.85 32.58 28.22
Loan/Deposits
United States 77.94 78.49 78.52 78.92
Southeast 79.80 79.57 78.79 80.06
Alabama 76.55 78.43 77.64 80.03
Florida 79.74 79.14 78.97 79.23
Georgia 86.49 86.45 83.62 85.03
Louisiana 72.79 71.35 70.99 70.51
Mississippi 72.56 71.43 71.44 74.67
Tennessee 79.48 79.29 79.53 81.42
Number of Reporting Banks
United States 7,360 7,513 7,722 8,033
Southeast 1,111 1,123 1,147 1,174
Alabama 142 143 147 150
Florida 251 248 249 252
Georgia 308 316 326 340
Louisiana 136 138 140 148
Mississippi 90 91 94 93
Tennessee 184 187 191 191
 
 
Note: Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income

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