Financial Update (October-December 1999)

Masthead

Cover Story

Currency Demand

Reg B Revisions

Guynn Speech

DEPARTMENTS

Year 2000

Did You Know?

Data Bank

The Docket

Data Bank

Small Commercial Bank Ratios1
(Total Assets Less than $1 Billion)
Percent As Of: 6/30/99 6/30/98 6/30/97 6/30/96
Annualized Return On Average Assets
United States 1.25 1.26 1.27 1.23
Southeast 1.21 1.29 1.30 1.28
Alabama 1.02 1.23 1.24 1.24
Florida 0.84 0.96 1.03 0.94
Georgia 1.46 1.47 1.48 1.47
Louisiana 1.11 1.17 1.25 1.38
Mississippi 1.26 1.41 1.41 1.46
Tennessee 1.41 1.48 1.45 1.40
Annualized Return on Average Equity
United States 12.54 12.55 12.67 12.61
Southeast 12.18 12.68 13.17 13.06
Alabama 10.67 12.23 12.43 12.36
Florida 9.07 10.08 10.95 10.10
Georgia 14.95 14.59 15.04 15.00
Louisiana 10.27 10.79 11.55 12.90
Mississippi 12.44 13.61 14.18 15.23
Tennessee 13.43 14.00 14.66 14.48
Net Interest Income/Total Income
United States 46.57 46.34 47.66 47.72
Southeast 46.36 46.30 48.33 48.05
Alabama 47.05 46.07 47.65 47.10
Florida 49.24 48.16 51.10 50.17
Georgia 44.26 44.97 46.64 45.77
Louisiana 52.58 51.04 51.79 51.63
Mississippi 49.06 48.23 49.74 49.77
Tennessee 42.04 42.95 44.97 45.43
Total Noninterest Income/Total Income
United States 16.50 15.05 14.26 13.90
Southeast 17.25 15.86 14.30 14.27
Alabama 10.82 10.65 9.21 9.74
Florida 14.24 13.90 13.29 13.74
Georgia 20.98 19.00 17.72 17.74
Louisiana 12.21 12.92 12.02 12.94
Mississippi 10.69 11.26 10.74 11.21
Tennessee 23.82 19.85 17.02 15.33
Loans/Deposits
United States 75.11 73.55 73.48 71.43
Southeast 76.67 74.37 73.84 71.59
Alabama 77.28 73.91 73.19 68.19
Florida 74.95 73.32 72.83 75.07
Georgia 82.26 79.13 78.98 76.85
Louisiana 66.58 67.49 66.36 61.30
Mississippi 71.91 68.63 69.75 67.16
Tennessee 78.15 76.34 76.44 72.59
Number of Reporting Banks
United States 8,639 8,967 9,318 9,664
Southeast 1,168 1,199 1,263 1,320
Alabama 153 165 173 179
Florida 237 236 254 275
Georgia 330 341 342 353
Louisiana 154 153 165 177
Mississippi 96 97 105 108
Tennessee 198 207 224 228

1 Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income.