Financial Update (Fourth Quarter 2006)


Vol. 19, No. 4,
Fourth Quarter 2006


FEATURES

Point of Purchase
Fuels E-Check Growth

Atlanta Fed Publishes
Online Payments Guide

Agencies Propose Rules
to Prevent ID Theft

Fed Vice Chair: Payment
System Still Evolving

Bank Profitability Strong
in ’05, Report Says

Comments Requested
on Basel II Rules

New Governor Joins
Federal Reserve Board

Study Explores Credit
Notice Attitudes

Payroll Cards to Receive
Added Protection

FHLBs’ Risk Taking
Behaviors Examined

Nontraditional Mortgage
Guidance Issued

Atlanta Fed Welcomes
SBAL Council Members

Departments

Did You Know?

Data Bank

Circular Letters

Staff

Subscribe Online

  
Small Commercial Bank Ratios
(Total Assets Less Than $1 Billion)
Percent as of: 6/30/06 6/30/05 6/30/04 6/30/03
Annualized Return on Average Assets
United States 1.28 1.25 1.19 1.22
Southeast 1.25 1.18 1.10 1.08
Alabama 1.33 1.19 1.19 1.09
Florida 1.07 1.09 0.94 0.90
Georgia 1.37 1.25 1.19 1.16
Louisiana 1.48 1.29 1.28 1.27
Mississippi 1.33 1.25 1.21 1.20
Tennessee 1.10 1.11 1.00 1.04
Annualized Return on Average Equity
United States 12.37 12.27 11.82 12.00
Southeast 12.57 11.98 11.18 10.62
Alabama 13.07 11.79 11.86 10.64
Florida 10.90 11.63 10.12 9.59
Georgia 14.01 12.93 12.11 11.21
Louisiana 15.28 12.96 12.55 11.92
Mississippi 13.28 12.14 11.63 11.49
Tennessee 10.52 10.54 9.73 9.97
Net Interest Income/Total Income
United States 52.57 57.70 58.83 55.59
Southeast 54.85 60.09 61.35 56.78
Alabama 54.03 59.02 60.88 57.02
Florida 56.14 63.11 62.47 57.98
Georgia 53.43 58.31 59.60 53.19
Louisiana 59.91 61.71 63.36 60.25
Mississippi 55.44 60.08 61.65 58.11
Tennessee 52.43 58.57 61.70 58.10
Total Noninterest Income/Total Income
United States 15.74 17.98 20.22 19.72
Southeast 11.90 13.97 16.55 17.20
Alabama 10.67 12.15 13.29 12.78
Florida 9.96 12.16 15.99 16.69
Georgia 12.02 14.46 18.40 21.38
Louisiana 14.21 16.97 18.13 17.60
Mississippi 13.61 14.82 16.09 15.10
Tennessee 13.21 14.64 15.61 14.78
Loan/Deposits
United States 84.07 82.76 80.36 77.93
Southeast 84.17 83.91 82.01 79.76
Alabama 79.70 78.27 77.58 76.55
Florida 87.16 83.37 81.10 79.74
Georgia 90.11 90.82 90.10 86.50
Louisiana 73.64 78.40 75.04 72.79
Mississippi 74.36 76.48 75.66 72.56
Tennessee 84.17 83.31 80.67 79.25
Number of Reporting Banks
United States 6,936 7,038 7,214 7,361
Southeast 1,111 1,102 1,113 1,111
Alabama 143 142 144 142
Florida 248 244 248 251
Georgia 320 318 317 308
Louisiana 135 132 133 136
Mississippi 86 86 87 90
Tennessee 179 180 184 184
Note: Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income