Financial Update (Fourth Quarter 2005)



FEATURES

 Jack Guynn on
 Economic Growth,
 Hurricanes

 Payment Services
 Withstand Katrina’s
 Might

 Pat Barron on the
 Need to Improve
 Payment Systems

 Directo a México
 Promotes FedACH

 Webcast
 Introduces New
 Bank Secrecy
 Act Manual

 Credit Cards’
 Benefits Outweigh
 Identity Theft
 Risks

 Go Direct Campaign
 Encourages Direct
 Deposit

 New HMDA Data
 Include Loan Pricing

 Redesigned $10 Bill
 to Debut in ’06

 Conference
 Explores Latin
 American Bank
 Reform

 Final CRA Rules
 Take Effect

 Revisions Proposed
 to ATM Fee
 Disclosure

DEPARTMENTS

 Data Bank

 Circular Letters

STAFF

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Small Commercial Bank Ratios
(Total Assets Less Than $1 Billion)
Percent as of: 6/30/05 6/30/04 6/30/03 6/30/02
Annualized Return on Average Assets
United States 1.30 1.22 1.22 1.19
Southeast 1.20 1.11 1.07 1.06
Alabama 1.19 1.19 1.07 1.24
Florida 1.11 0.93 0.91 0.83
Georgia 1.29 1.22 1.16 1.06
Louisiana 1.27 1.29 1.26 1.28
Mississippi 1.26 1.19 1.19 1.22
Tennessee 1.15 1.03 1.07 1.10
Annualized Return on Average Equity
United States 12.88 12.24 12.20 11.99
Southeast 12.53 11.48 10.85 10.57
Alabama 12.27 12.34 10.90 12.77
Florida 12.29 10.30 10.02 9.04
Georgia 13.47 12.37 13.47 10.18
Louisiana 13.16 12.96 12.17 12.26
Mississippi 12.57 11.82 11.75 12.28
Tennessee 11.23 10.20 10.42 10.18
Net Interest Income/Total Income
United States 57.47 57.87 55.33 52.91
Southeast 59.92 61.34 56.87 50.28
Alabama 58.43 60.40 56.48 53.23
Florida 62.73 62.62 57.79 55.76
Georgia 58.48 59.82 54.01 51.26
Louisiana 61.17 62.95 59.94 57.50
Mississippi 60.31 61.65 58.07 53.80
Tennessee 58.37 61.76 58.23 38.09
Total Noninterest Income/Total Income
United States 18.44 21.82 20.39 18.10
Southeast 14.18 16.67 17.06 20.81
Alabama 12.68 13.94 13.47 12.37
Florida 12.54 16.20 17.11 14.21
Georgia 14.52 18.40 20.40 18.01
Louisiana 17.49 18.64 18.08 15.47
Mississippi 14.34 15.70 14.80 13.31
Tennessee 15.16 15.72 14.61 36.69
Loan/Deposits
United States 83.94 81.64 79.17 79.79
Southeast 85.08 83.07 81.11 80.94
Alabama 80.83 80.07 78.54 80.41
Florida 84.35 81.47 80.39 80.51
Georgia 91.51 90.75 87.98 87.37
Louisiana 79.63 76.20 74.43 72.63
Mississippi 79.13 78.34 75.01 73.67
Tennessee 83.94 81.54 79.92 79.86
Number of Reporting Banks
United States 7,081 7,262 7,410 7,573
Southeast 1,105 1,116 1,114 1,127
Alabama 143 145 143 145
Florida 244 248 251 248
Georgia 319 318 309 317
Louisiana 132 133 136 138
Mississippi 87 87 90 91
Tennessee 180 185 185 188
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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