Financial Update (October-December 2000)

Masthead

Cover Story

Financial Services Strategic Plan

Supervising FHCs

New Lending Data

DEPARTMENTS

Did You Know?

Data Bank

The Docket

Data Bank

Small Commercial Bank Ratios1
(Total Assets Less than $1 Billion)
Percent As of: 6/30/00 6/30/99 6/30/98 6/30/97
Annualized Return On Average Assets
United States 1.26 1.28 1.30 1.30
Southeast 1.24 1.20 1.28 1.33
Alabama 1.10 1.03 1.24 1.31
Florida 0.87 0.85 0.94 1.03
Georgia 1.53 1.49 1.53 1.53
Louisiana 1.11 1.02 1.16 1.25
Mississippi 1.22 1.31 1.26 1.42
Tennessee 1.43 1.37 1.45 1.49
Annualized Return on Average Equity
United States 12.98 12.99 13.00 13.29
Southeast 12.44 11.98 12.70 13.50
Alabama 11.83 10.64 12.35 13.03
Florida 8.76 8.99 9.97 11.02
Georgia 15.66 14.97 15.27 15.64
Louisiana 10.40 9.33 10.64 11.60
Mississippi 12.10 12.77 12.40 14.48
Tennessee 13.68 12.96 14.04 15.14
Net Interest Income/Total Income
United States 46.28 46.70 46.65 48.00
Southeast 44.50 46.40 46.32 48.35
Alabama 45.49 47.07 46.07 47.65
Florida 48.53 49.26 48.17 51.10
Georgia 43.07 44.27 44.97 46.64
Louisiana 51.72 52.90 51.25 52.07
Mississippi 47.51 49.10 48.25 49.75
Tennessee 37.66 42.09 42.96 44.97
Total Noninterest Income/Total Income
United States 15.39 17.23 15.55 14.83
Southeast 17.58 17.27 15.90 14.34
Alabama 9.70 10.80 10.65 9.21
Florida 13.19 14.23 13.91 13.30
Georgia 19.96 20.95 19.02 17.73
Louisiana 11.93 12.33 13.07 12.21
Mississippi 10.75 10.68 11.27 10.75
Tennessee 28.22 23.86 19.90 17.07
Loans/Deposits
United States 78.94 74.50 72.84 72.86
Southeast 79.90 76.57 74.29 73.87
Alabama 80.13 77.28 73.91 73.19
Florida 79.22 74.95 73.29 72.82
Georgia 84.44 82.22 79.13 79.00
Louisiana 70.49 65.55 66.76 66.32
Mississippi 74.71 71.90 68.62 69.74
Tennessee 81.43 78.13 76.35 76.48
Number of Reporting Banks
United States 8,037 8,218 8,530 8,851
Southeast 1,174 1,163 1,192 1,254
Alabama 152 153 165 173
Florida 253 237 235 253
Georgia 337 330 340 341
Louisiana 148 151 150 161
Mississippi 93 95 96 104
Tennessee 191 197 206 222
1 Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income