Financial Update (October-December 1998)

Masthead

Cover Story

Credit Unions

Guynn Speech

Treasury Securities on the Internet

New Quarters and $20 Bills

EFT 99

DEPARTMENTS

Year 2000

Did You Know?

Data Bank

The Docket

Data Bank

Small Commercial Bank Ratios1
(Total Assets Less than $1 Billion)
Percent Year ending: 6/30/98 6/30/97 6/30/96 6/30/95
Return on Average Assets
United States 0.61 0.61 0.57 0.53
Southeast (Sixth District) 0.56 0.60 0.59 0.58
Alabama 0.62 0.65 0.64 0.54
Florida 0.28 0.41 0.39 0.49
Georgia 0.69 0.65 0.63 0.63
Louisiana 0.57 0.62 0.68 0.65
Mississippi 0.63 0.71 0.80 0.70
Tennessee 0.72 0.74 0.72 0.66
Return on Average Equity
United States 6.25 6.43 6.20 5.99
Southeast (Sixth District) 5.93 6.54 6.43 6.44
Alabama 6.20 6.51 6.34 5.50
Florida 3.43 4.93 4.56 5.66
Georgia 7.63 7.80 7.76 7.56
Louisiana 5.27 5.76 6.39 6.51
Mississippi 6.20 7.20 8.22 7.10
Tennessee 6.99 7.53 7.45 6.99
Net Interest Income/Average Assets
United States 1.88 1.91 1.87 1.91
Southeast (Sixth District) 1.90 1.95 1.90 1.99
Alabama 2.01 2.13 2.08 1.80
Florida 1.50 1.66 1.59 1.88
Georgia 2.08 1.96 1.86 2.00
Louisiana 2.12 2.12 2.13 2.15
Mississippi 1.85 2.15 2.36 2.14
Tennessee 2.05 2.13 2.11 2.15
Total Noninterest Income/Total Income
United States 17.10 16.12 15.35 14.33
Southeast (Sixth District) 16.37 14.63 14.83 14.70
Alabama 10.66 9.20 9.74 9.26
Florida 16.42 14.69 15.81 16.80
Georgia 19.08 17.80 17.82 15.40
Louisiana 12.92 12.02 12.94 13.22
Mississippi 11.26 10.74 11.21 11.11
Tennessee 19.85 17.02 15.33 15.01
Loans/Deposits2
United States 78.82 79.62 78.61 77.48
Southeast (Sixth District) 80.72 80.87 79.99 77.28
Alabama 73.91 73.20 68.19 66.45
Florida 88.03 87.00 85.75 81.83
Georgia 90.95 94.76 102.14 97.21
Louisiana 67.49 66.36 61.30 58.58
Mississippi 68.63 69.75 67.16 63.20
Tennessee 76.34 76.44 72.59 71.08
Number of Reporting Banks2
United States 8,060 8,245 8,423 8,544
Southeast (Sixth District) 1,137 1,186 1,226 1,287
Alabama 155 161 166 163
Florida 236 247 270 311
Georgia 309 308 311 322
Louisiana 142 154 164 178
Mississippi 95 103 106 100
Tennessee 200 213 209 213

1 Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
2 Loan and deposit percentages are calculated as of the date shown.

Source: Consolidated Reports of Condition and Income.