| Core Funding at Community Banks Continues to Shrink Relative to Assets | |||
| Date | Asset Growth | Core Deposit Growth | Core Funding to Assets |
| 1994 | 4.71% | 2.80% | 78.24% |
| 1995 | 6.54% | 4.48% | 76.76% |
| 1996 | 8.21% | 5.87% | 75.10% |
| 1997 | 8.14% | 6.16% | 73.77% |
| 1998 | 9.64% | 7.81% | 72.55% |
| 1999 | 9.98% | 7.72% | 71.03% |
| 2000 | 9.89% | 6.53% | 68.94% |
| 2001 | 10.43% | 9.73% | 68.50% |
| 2002 | 9.76% | 8.82% | 68.06% |
| 2003 | 8.05% | 7.79% | 67.98% |
| 2004 | 8.43% | 5.62% | 66.34% |
| Source: Federal Deposit Insurance Corporation Call and Thrift Reports. Merger-Adjusted data as of September 30. | |||