Financial Update (Fourth Quarter 2007)

Small Commercial Bank Ratios
(Total Assets Less Than $1 Billion)
Percent as of: 6/30/07 6/30/06 6/30/05 6/30/04
Annualized Return on Average Assets
United States 1.12 1.18 1.24 1.19
Southeast 1.05 1.25 1.18 1.10
Alabama 1.11 1.33 1.19 1.19
Florida 0.74 1.07 1.09 0.94
Georgia 1.21 1.36 1.25 1.19
Louisiana 1.38 1.47 1.29 1.28
Mississippi 1.20 1.31 1.25 1.21
Tennessee 0.94 1.10 1.11 1.00
Annualized Return on Average Equity
United States 10.69 11.46 12.26 11.82
Southeast 10.28 12.53 11.98 11.18
Alabama 10.91 13.07 11.79 11.86
Florida 6.99 10.90 11.63 10.12
Georgia 11.86 13.93 12.92 12.11
Louisiana 14.52 15.20 12.96 12.55
Mississippi 12.29 13.13 12.14 11.63
Tennessee 9.01 10.52 10.54 9.73
Net Interest Income/Total Income
United States 47.64 52.33 57.36 58.46
Southeast 49.25 54.86 60.09 61.35
Alabama 48.80 54.01 59.02 60.88
Florida 49.33 56.14 63.11 62.47
Georgia 47.93 53.42 58.32 59.60
Louisiana 54.76 59.97 61.71 63.36
Mississippi 50.58 55.45 60.08 61.65
Tennessee 47.38 52.43 58.57 61.70
Total Noninterest Income/Total Income
United States 15.06 16.10 18.47 20.74
Southeast 10.67 11.89 13.96 16.55
Alabama 9.81 10.69 12.15 13.29
Florida 8.43 9.96 12.16 15.99
Georgia 10.70 12.03 14.45 18.40
Louisiana 13.98 14.11 16.97 18.13
Mississippi 12.33 13.61 14.82 16.09
Tennessee 11.64 13.21 14.64 15.61
Loan/Deposits
United States 84.78 84.07 82.75 80.36
Southeast 85.88 84.17 83.91 82.01
Alabama 80.51 79.70 78.27 77.58
Florida 90.56 87.17 83.37 81.10
Georgia 90.20 90.12 90.82 90.10
Louisiana 76.81 73.64 78.40 75.04
Mississippi 77.18 74.36 76.48 75.66
Tennessee 85.00 84.17 83.31 80.67
Number of Reporting Banks
United States 6,791 6,937 7,039 7,215
Southeast 1,113 1,111 1,102 1,113
Alabama 142 143 142 144
Florida 255 248 244 248
Georgia 319 320 318 317
Louisiana 135 135 132 133
Mississippi 84 86 86 87
Tennessee 178 179 180 184
Note: Ratios for Southeast and state totals include those banks headquartered within the given state boundary.
Source: Consolidated Reports of Condition and Income