Financial Update (October-December 2001)

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Cover Story

Economic Education

New MICR Standard

Credit Unions’ Risk and Membership

DEPARTMENTS

Did You Know?

Data Bank

The Docket

Data Bank

Small Commercial Bank Ratios1
(Total Assets Less Than $1 Billion)
Percent As of: 6/30/01 6/30/00 6/30/99 6/30/98
Annualized Return on Average Assets
United States 1.16 1.26 1.27 1.30
Southeast 1.05 1.22 1.20 1.28
Alabama 0.96 1.10 1.03 1.24
Florida 0.73 0.87 0.85 0.94
Georgia 1.25 1.50 1.48 1.53
Louisiana 1.17 1.11 1.02 1.16
Mississippi 0.99 1.13 1.31 1.26
Tennessee 1.16 1.43 1.37 1.45
Annualized Return on Average Equity
United States 11.72 12.95 12.89 13.00
Southeast 10.21 12.27 11.97 12.70
Alabama 10.01 11.84 10.64 12.35
Florida 7.15 8.74 8.99 9.97
Georgia 12.22 15.40 14.97 15.27
Louisiana 11.04 10.41 9.33 10.64
Mississippi 9.74 11.18 12.77 12.40
Tennessee 10.78 13.62 12.93 14.04
Net Interest Income/Total Income
United States 44.21 46.26 46.72 46.65
Southeast 41.56 44.79 46.41 46.32
Alabama 43.26 45.48 47.07 46.07
Florida 45.41 48.56 49.29 48.17
Georgia 41.59 44.00 44.27 44.97
Louisiana 49.47 51.75 52.90 51.25
Mississippi 43.74 47.53 49.11 48.25
Tennessee 33.07 37.66 42.10 42.96
Total Noninterest Income/Total Income
United States 15.45 15.37 17.17 15.52
Southeast 17.96 17.33 17.26 15.90
Alabama 8.91 9.70 10.80 10.65
Florida 12.95 13.14 14.19 13.91
Georgia 17.47 19.17 20.96 19.02
Louisiana 12.36 11.89 12.33 13.07
Mississippi 11.06 10.73 10.67 11.27
Tennessee 32.57 28.22 23.86 19.90
Loans/Deposits
United States 78.54 78.97 74.54 72.89
Southeast 78.80 80.06 76.57 74.29
Alabama 77.78 80.13 77.28 73.91
Florida 78.99 79.23 74.95 73.29
Georgia 83.60 85.01 82.22 79.13
Louisiana 70.99 70.51 65.55 66.76
Mississippi 71.43 74.67 71.90 68.62
Tennessee 79.53 81.42 78.13 76.35
Number of Reporting Banks
United States 7,725 8,036 8,216 8,529
Southeast 1,148 1,175 1,163 1,192
Alabama 149 152 153 165
Florida 250 253 237 235
Georgia 324 338 330 340
Louisiana 140 148 151 150
Mississippi 94 93 95 96
Tennessee 191 191 197 206
1 Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income