Financial Update (Fourth Quarter 2002)


Masthead

Cover Story

New Atlanta Fed Chairman

Payment Study

High-Tech Stock Performance

Update Online

Board Appointees

DEPARTMENTS

Did You Know?

Data Bank

The Docket

Data Bank

Small Commercial Bank Ratios1
(Total Assets Less Than $1 Billion)
Percent As of: 6/30/02 6/30/01 6/30/00 6/30/99
Annualized Return on Average Assets
United States   1.19 1.15 1.25 1.27
Southeast   1.07 1.04 1.22 1.20
Alabama   1.23 0.96 1.08 1.03
Florida   0.79 0.72 0.87 0.85
Georgia   1.09 1.25 1.50 1.48
Louisiana   1.30 1.17 1.11 1.02
Mississippi   1.25 0.98 1.13 1.31
Tennessee   1.12 1.16 1.43 1.37
Annualized Return on Average Equity
United States   11.79 11.70 12.90 12.88
Southeast   10.34 10.18 12.25 11.98
Alabama   12.24 10.03 11.58 10.63
Florida   8.17 7.09 8.75 9.01
Georgia   10.25 12.23 15.41 14.97
Louisiana   12.01 11.04 10.41 9.33
Mississippi   12.12 9.65 11.18 12.77
Tennessee   10.21 10.72 13.62 12.94
Net Interest Income/Total Income
United States   52.91 44.21 46.25 46.71
Southeast   50.01 41.53 44.78 46.41
Alabama   53.57 43.25 45.47 47.07
Florida   55.73 45.40 48.55 49.28
Georgia   50.73 41.51 44.01 44.27
Louisiana   57.77 49.48 51.75 52.90
Mississippi   53.92 43.74 47.53 49.11
Tennessee   37.97 33.06 37.66 42.10
Total Noninterest Income/Total Income
United States   17.71 15.45 15.38 17.18
Southeast   21.16 18.01 17.33 17.26
Alabama   11.61 8.91 9.69 10.79
Florida   13.96 12.95 13.14 14.19
Georgia   18.73 17.63 19.15 20.94
Louisiana   14.98 12.35 11.89 12.33
Mississippi   13.60 11.06 10.73 10.67
Tennessee   39.79 32.58 28.22 23.86
Loans/Deposits
United States   78.53 78.54 78.97 74.52
Southeast   79.58 78.79 80.06 76.57
Alabama   78.57 77.73 80.12 77.31
Florida   79.14 78.98 79.23 74.96
Georgia   86.43 83.60 85.01 82.19
Louisiana   71.35 70.99 70.51 65.55
Mississippi   71.43 71.44 74.67 71.90
Tennessee   79.30 79.53 81.42 78.13
Number of Reporting Banks
United States   7,515 7,724 8,035 8,215
Southeast   1,123 1,147 1,174 1,162
Alabama   144 148 151 152
Florida   248 249 252 236
Georgia   315 325 339 331
Louisiana   138 140 148 151
Mississippi   91 94 93 95
Tennessee   187 191 191 197
1 Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income