Georgia Bankers Association and Financial Performance Insights
"Explore the Georgia Bankers Association event focusing on rural development and small businesses, alongside insights into the financial performance and changing faces of banks in Georgia. Learn about the number of Georgia-headquartered banks by asset size, the median status of Georgia banks, declining bank numbers, and growing deposits. Discover the trend of banks in the U.S. from 1996 to 2016, Southeastern bank statistics, banks serving Georgia across states, and the deposit market share of banks in Georgia. Gain valuable insights into the banking landscape in Georgia and beyond."
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GEORGIA BANKERS ASSOCIATION House Rural Development Council Assisting Small Businesses June 15, 2017 Toccoa, GA
Banks in Georgia Financial performance Changing faces Deposit / Loan growth Rural markets
Number of Georgia-headquartered Banks by Asset Size 3 Over $10 billion 10 $ 1 - $10 billion 11 $500 million - $1 billion 31 $250 - $500 million 89 $100 - $250 million 37 Under $100 million 0 10 20 30 40 50 60 70 80 90 Source: FDIC; 5/1/2017
Median Georgia Bank: Waycross Bank & Trust Image result for picture of waycross bank and trust 20 employees One location $162 million in total assets Loans $85 million Real Estate Loans $74 million Business loans $12 million Consumer loans $0.6 million Securities/Cash = $72 million $147 million in deposits 10% capital 1.2% return on assets Image result for picture of waycross bank and trust
Bank Numbers Declining Deposits Growing 1996 399 Banks $76.7 billion deposits 2016 237 Banks $225.3 billion deposits
Number of Banks in U.S. 1996 - 2016 11,480 12,000 10,94610,48410,2409,9209,6309,3699,1948,9888,8458,6918,5448,3148,0217,6677,3667,0926,8216,5186,1915,922 10,000 8,000 6,000 4,000 2,000 0 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Source: FDIC; 6/30/2016
Southeastern Banks State-based Banks Georgia 181 Kentucky 158 Tennessee 155 Florida 142 Louisiana 129 Alabama 124 Arkansas 99 Virginia 82 Mississippi 79 North Carolina 60 Maryland 54 South Carolina 55 West Virginia 57 Source: FDIC; 3/31/2017
Banks Serving Georgia From 22 States 237 Banks 2,440 Branches $225 billion deposits Source: FDIC; 6/30/2016
Banks Serving Georgia Deposit Market Share 237 Banks 45 46% 54% GA HQ GA HQ Non GA HQ Non GA HQ 192 Source: FDIC; 6/30/2016
Banks Mirror Georgias Overall Healthy Economy State 6th in U.S. population growth Employment growth: 2.7% Single-family housing starts: 18.4% Employment rate: 95% Banks Deposit growth: 4.2% Loan growth: 2.4% Loans current: 98.7% Profitable: 97% Workforce: 60,000 Source: FDIC; State as of 12/31/2016; Banks as of 3/31/2017
Loans by Georgia HQ Banks Real Estate Loans - $114 billion 1-4 Family Residential $59 billion Commercial $38 billion Construction $11 billion Multifamily $4 billion Farmland $2 billion Non-Real Estate Loans - $103 billion Business $55 billion Consumer $30 billion State/Political Subs $5 billion Ag Production $.8 billion All other $13 billion Source: FDIC; 12/31/2016
Counties with 1 - 2 Banks Source: FDIC; 6/30/2016 12
Counties with up to 4 Banks Source: FDIC; 6/30/2016 13
Counties with up to 7 Banks Source: FDIC; 6/30/2016 14
Counties with up to 12 Banks Source: FDIC; 6/30/2016 15
All Counties with Banks Source: FDIC; 6/30/2016 16
Rural Development Council Barrow Coffee Colquitt Dougherty Floyd Habersham Laurens Lowndes Mitchell Pierce Tattnall Taylor Thomas Turner Washington 17
Number of Banks Serving County 1996 2016 Change Banks 5 -1 4 1 7 3 0 2 0 -1 0 1 5 -3 -1 22 Change Branches 3 0 6 1 13 3 -1 0 -5 -2 0 -5 0 -5 0 8 Banks Branches Banks Branches Barrow Mitchell Colquitt Taylor Lowndes Laurens Washington Coffee Floyd Pierce Turner Habersham Dougherty Thomas Tattnall 5 5 3 2 10 7 4 7 9 4 2 5 6 9 5 78 11 7 6 2 25 17 8 12 27 5 4 16 21 15 8 184 10 4 7 3 17 10 4 9 9 3 2 6 11 6 4 105 14 7 12 3 38 20 7 12 22 3 4 11 21 10 8 192 Totals Source: FDIC; 6/30/2016
Consumer/Business Deposits (millions) in County 1996 2016 % Change % Compared Statewide Barrow Mitchell Colquitt Taylor Lowndes Laurens 804,449 317,262 663,962 103,384 1,778,082 918,594 304,994 194,326 331,326 46,573 811,313 517,911 164% 63% 100% 122% 119% 77% 85% 33% 52% 63% 62% 40% Washington 355,225 251,785 317,287 974,762 134,821 143,576 41% 111% 42% 29% -12% 21% 57% 22% 15% -6% Coffee Floyd Pierce Turner 669,039 1,385,852 174,376 126,875 Habersham 796,561 451,385 831,209 542,735 178,964 76% 51% 129% 65% 39% 26% 67% 34% Dougherty Thomas Tattnall 1,255,843 1,243,421 295,532 Total/Average 6,032,967 10,888,457 79% 41% 19 Source: FDIC; 6/30/2016
Deposits/Estimated Loans (millions) in County Loans as a % of Deposits Compared to 66% Statewide Average Deposits Estimated Loans* Barrow Mitchell Colquitt Taylor Lowndes Laurens 804,449 317,262 663,962 103,384 1,778,082 918,594 534,468 120,542 421,204 64,055 1,257,111 644,895 66% 38% 63% 62% 71% 70% 0 -28 -3 -4 5 4 Washington 355,225 251,772 71% 5 Coffee Floyd Pierce Turner 669,039 1,385,852 174,376 126,875 446,404 977,564 98,756 57,948 67% 71% 57% 46% 1 5 -9 -20 Habersham 796,561 566,679 71% 5 Dougherty Thomas Tattnall 1,255,843 1,243,421 295,532 905,816 954,387 184,723 72% 77% 63% 6 11 -3 Total/Average 10,888,457 7,486,324 64% Source: FDIC; *S&P Global Market Intelligence; 6/30/2016
Whats Does This Tell Us? Georgia attractive state to do business Diversity of banks serving Georgia Predominately community banks in rural markets Number of banks/branches mirrors population Banks reflect health of community Most Georgia counties have bank deposit growth Few, if any, rural counties match statewide deposit/loan growth percentages
Assisting Small Businesses in Rural Georgia Jackson McConnell Chairman, President, CEO Pinnacle Bank Elberton Ken Bibb President Bill Thompson EVP/Chief Lending Officer Queensborough National Bank Louisville Geo. D. Warthen Bank Sandersville 22
GEORGIA BANKERS ASSOCIATION House Rural Development Council Assisting Small Businesses June 15, 2017 Toccoa, GA
