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Georgia Bankers Association Organizational Meetings. The State of Banks in Georgia A Situation Analysis for Strategic Planning June 19, 2003. 5 Year History – Number of GA Banks. Georgia Banks by Asset Size. Banking Demographics of Southeastern States.

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Georgia Bankers AssociationOrganizational Meetings

The State of Banks in Georgia

A Situation Analysis for Strategic Planning

June 19, 2003










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Recent Trends in the Georgia Economy

  • Employment

    • Loss of 133,000 jobs between cyclical peak of Jan 2001 and Oct 2002

    • 4th qtr 2002 employment down 2.2% over same qtr of prior year – worst performance in the nation.


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Recent Trends in the Georgia Economy

  • Economic Shocks

    • Contractions in manufacturing by mid-1999, especially textiles and apparel.

    • NASDAQ tech bubble bursts in 2000.

    • Weakening absorption of office markets and construction in Atlanta MSA from 2000 on.

    • 9/11/01 terrorism and aftermath on transportation & tourism.


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Significant Balance Sheet Trends

  • “Hot” loan / deposit ratios; tight liquidity

  • Higher risk profiles in assets

  • More commercial real estate in portfolios

  • More reliance on external noncore funding

  • Slight lessening of capital ratios

  • Reasonable credit quality so far


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Significant Income Statement Trends

  • Declining profits, ROAs, ROEs

  • The smaller the banks, the harder the fall

  • Declining net interest margins

  • More reliance on noninterest income

    • Mortgage origination fees

    • Overdraft fees

  • Belt tightening on noninterest expense is not enough























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Margin compression

Funding / ALCO mgmt

Liquidity pressures

Recessionary economy

Bottom of interest cycle

Nonbank competition

Fraud/security/tech risks

Credit quality-losses to come?

Corporate governance

Integrity image of banks

Staffing /compensation

Evolving infrastructure

Slowing mortgage cycle

Replacing noninterest income

Overhead controls

Current Issues for GA BanksFrom Preliminary Board Questionnaire Responses


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Credit Unions

FDIC Insurance Reform

Overdraft Protection Products

Bankruptcy Reform

Predatory Lending

Payday Lending

Real Estate Powers

Dual Banking System

Nonbank Regulation

Intrastate Branching

Interest on Corp Checking

Subchapter S

Top Legislative & Regulatory IssuesFrom Preliminary Board Questionnaire Responses


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Strategic PlanningFor a New GBA Year

  • Thanks for your attention.

  • Please refer to committee agenda.


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