Financial Update (Fourth Quarter 2004)



FEATURES

 Appraisal Reviews
 Maintain Soundness

 GLBA Spurs
 Banks’ Insurance
 Activities

 Conference Focuses
 on Remittances

 New Fed
 Brochures About
 Check 21

 Fed Distributes
 Redesigned $50s

 Atlanta Fed Chair,
 Vice Chair
 Reappointed

 Will Privacy
 Concerns Prolong
 Cash Use?

 Fed Governor
 Sees Oil Prices
 Staying High

 Greenspan on
 Challenges of
 Aging Population

 Helping Consumers
 Avoid Overdrafts

 Examining Fannie
 Mae and
 Freddie Mac

DEPARTMENTS

 Data Bank

 Circular Letters

STAFF

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Small Commercial Bank Ratios
(Total Assets Less Than $1 Billion)
Percent as of: 6/30/04 6/30/03 6/30/02 6/30/01
Annualized Return on Average Assets
United States 1.19 1.20 1.17 1.15
Southeast 1.10 1.08 1.07 1.04
Alabama 1.19 1.09 1.23 0.95
Florida 0.91 0.90 0.78 0.72
Georgia 1.19 1.16 1.08 1.25
Louisiana 1.28 1.27 1.29 1.17
Mississippi 1.21 1.20 1.25 0.98
Tennessee 1.00 1.04 1.11 1.16
Annualized Return on Average Equity
United States 11.80 11.83 11.63 11.66
Southeast 11.11 10.62 10.29 10.18
Alabama 11.86 10.70 12.27 9.99
Florida 9.57 8.09 7.09 9.58
Georgia 12.09 11.18 10.20 12.24
Louisiana 25.06 23.06 22.93 21.37
Mississippi 11.63 11.49 12.12 9.65
Tennessee 9.72 9.97 10.12 10.70
Net Interest Income/Total Income
United States 58.94 55.60 52.92 44.17
Southeast 61.45 56.77 49.98 41.53
Alabama 60.93 57.02 53.64 43.27
Florida 62.73 57.94 55.71 45.40
Georgia 59.60 53.19 50.73 41.51
Louisiana 63.64 60.25 57.64 49.48
Mississippi 61.67 58.11 53.92 43.74
Tennessee 61.71 58.10 37.92 33.06
Total Noninterest Income/Total Income
United States 20.12 19.74 17.59 15.41
Southeast 16.44 17.21 21.20 18.01
Alabama 13.29 12.78 11.51 8.84
Florida 15.67 16.76 13.99 12.95
Georgia 18.40 21.38 18.72 17.63
Louisiana 17.84 17.60 15.10 12.35
Mississippi 16.08 15.10 13.60 11.06
Tennessee 15.61 14.78 39.85 32.58
Loan/Deposits
United States 80.38 77.95 78.51 78.53
Southeast 82.01 79.76 79.58 78.80
Alabama 77.58 76.55 78.43 77.64
Florida 81.10 79.74 79.17 79.01
Georgia 90.10 86.50 86.45 83.62
Louisiana 75.04 72.79 71.35 70.99
Mississippi 75.66 72.56 71.43 71.44
Tennessee 80.67 79.25 79.29 79.53
Number of Reporting Banks
United States 7,210 7,356 7,508 7,717
Southeast 1,113 1,111 1,123 1,147
Alabama 144 142 143 147
Florida 248 251 248 249
Georgia 317 308 316 326
Louisiana 133 136 138 140
Mississippi 87 90 91 94
Tennessee 184 184 187 191
Note: Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income

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