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FDIC Quarterly Banking Profile

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	Report Group 1	Report Group 2	Report Group 3
Institution Type:
Geographical Area:
Report Date:

State Banking Performance Summary

FDIC-Insured Institutions

	Commercial Banks Georgia December 31, 2008			Commercial Banks Georgia December 31, 2007			Commercial Banks Georgia December 31, 2006
(dollar figures in millions)	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million
Number of institutions reporting	314	89	225	332	101	231	333	114	219
Total employees (full-time equivalent)	49,411	1,768	47,643	53,397	2,001	51,396	59,942	2,232	57,710
AGGREGATE CONDITION AND INCOME DATA
Net income (year-to-date)	62	-32	94	2,932	39	2,894	3,471	46	3,425
Total assets	293,289	5,495	287,795	279,655	6,299	273,356	276,268	6,679	269,589
Earning assets	252,638	4,991	247,646	248,402	5,742	242,660	246,109	6,096	240,013
Total loans & leases	210,174	3,635	206,539	210,462	4,079	206,383	201,635	4,305	197,331
Other real estate owned	2,145	52	2,094	832	26	806	225	12	213
Total deposits	204,923	4,469	200,454	199,156	5,096	194,060	199,831	5,435	194,396
Equity capital	30,617	801	29,816	31,668	1,037	30,631	29,734	1,039	28,695
PERFORMANCE RATIOS (YTD, %)
Yield on earning assets	5.66	6.56	5.64	6.95	7.46	6.94	6.70	7.30	6.68
Cost of funding earning assets	2.50	2.67	2.50	3.49	3.17	3.50	3.25	2.74	3.27
Net interest margin	3.16	3.89	3.14	3.47	4.29	3.45	3.44	4.56	3.42
Noninterest income to avg. earning assets	1.53	0.73	1.55	1.60	0.81	1.62	2.32	1.70	2.33
Noninterest expense to avg. earning assets	3.47	4.31	3.46	3.09	3.78	3.07	3.43	4.71	3.40
Net charge-offs to loans & leases	1.29	0.77	1.30	0.39	0.22	0.39	0.19	0.23	0.19
Credit-loss provision to net charge-offs	151.86	156.45	151.82	157.18	262.68	156.09	137.13	255.75	134.22
Net operating income to average assets	-0.34	-0.57	-0.33	0.92	0.62	0.93	1.32	0.75	1.33
Retained earnings to average equity	-4.70	-7.51	-4.63	1.77	-0.55	1.86	5.07	0.84	5.23
Pre tax return on assets	-0.01	-0.56	0.00	1.47	0.87	1.48	1.85	1.05	1.87
Return on assets	0.02	-0.63	0.03	1.05	0.63	1.06	1.29	0.75	1.30
Return on equity	0.20	-3.95	0.31	9.34	3.52	9.55	12.15	4.56	12.43
Percent of unprofitable institutions	49.36	48.31	49.78	14.76	28.71	8.66	10.21	26.32	1.83
Percent of institutions with earning gains	8.60	10.11	8.00	39.46	45.54	36.80	77.18	65.79	83.11
CONDITION RATIOS (%)
Net loans and leases to assets	70.34	64.99	70.44	74.38	63.74	74.62	72.28	63.46	72.49
Loss allowance to:
Loans and leases	1.85	1.76	1.85	1.17	1.58	1.16	0.97	1.55	0.96
Noncurrent loans and leases	45.00	68.20	44.75	68.30	128.96	67.45	150.59	181.44	149.70
Noncurrent loans & leases to
total loans & leases	4.10	2.58	4.13	1.71	1.22	1.72	0.65	0.85	0.64
Nonperforming assets to assets	3.67	2.65	3.69	1.59	1.20	1.60	0.55	0.72	0.55
Core deposits to total liabilities	59.65	69.94	59.46	59.73	69.97	59.51	57.31	70.66	57.00
Equity capital to total assets	10.44	14.58	10.36	11.32	16.46	11.21	10.76	15.56	10.64
Core capital (leverage) ratio	8.37	14.45	8.25	8.70	16.67	8.52	8.49	16.03	8.31
Total capital to risk-weighted assets	11.65	20.71	11.51	11.59	23.49	11.37	11.83	22.78	11.61
Gross 1-4 family mortgages to gross assets	21.92	16.31	22.03	24.12	14.09	24.35	25.11	13.20	25.40


Source: Call Report and Thrift Financial Report Prepared by the FDIC-Division of Insurance and Research

Last Updated 08/27/2009

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