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Home > Publications > Central Banker > Spring 2013 > Fourth-Quarter 2012 Banking Performance

Central Banker | Spring 2013

Quarterly Report

Fourth-Quarter 2012 Banking Performance

Earnings Performance1

 2011: 4Q2012: 3Q2012: 4Q
Return on Average Assets2
All U.S. Banks 0.67% 1.00% 0.97%
All Eighth District States 0.57% 0.89% 0.87%
Arkansas Banks 1.08% 1.13% 1.18%
Illinois Banks 0.34% 0.67% 0.64%
Indiana Banks 0.90% 1.12% 1.12%
Kentucky Banks 0.65% 1.10% 1.03%
Mississippi Banks 0.73% 0.91% 0.89%
Missouri Banks 0.66% 0.91% 0.89%
Tennessee Banks 0.04% 0.84% 0.80%
Net Interest Margin
All U.S. Banks 3.96% 3.86% 3.87%
All Eighth District States 3.91% 3.84% 3.84%
Arkansas Banks 4.31% 4.19% 4.19%
Illinois Banks 3.75% 3.62% 3.61%
Indiana Banks 3.97% 3.90% 3.92%
Kentucky Banks 4.08% 4.05% 4.01%
Mississippi Banks 4.01% 4.05% 4.03%
Missouri Banks 3.79% 3.71% 3.77%
Tennessee Banks 3.89% 3.92% 3.89%
Loan Loss Provision Ratio
All U.S. Banks 0.61% 0.35% 0.35%
All Eighth District States 0.73% 0.41% 0.40%
Arkansas Banks 0.51% 0.36% 0.31%
Illinois Banks 1.00% 0.58% 0.55%
Indiana Banks 0.45% 0.22% 0.23%
Kentucky Banks 0.58% 0.40% 0.40%
Mississippi Banks 0.55% 0.25% 0.26%
Missouri Banks 0.58% 0.38% 0.37%
Tennessee Banks 0.95% 0.36% 0.39%

Asset Quality Measures

 2011: 3Q2012: 2Q2012: 3Q
Nonperforming Assets Ratio3
All U.S. Banks 4.71% 4.09% 3.73%
All Eighth District States 5.17% 4.48% 4.09%
Arkansas Banks 5.67% 5.04% 4.76%
Illinois Banks 6.19% 5.35% 4.74%
Indiana Banks 3.64% 3.18% 2.85%
Kentucky Banks 3.70% 3.69% 3.48%
Mississippi Banks 4.52% 3.80% 4.01%
Missouri Banks 4.81% 4.09% 3.53%
Tennessee Banks 5.65% 4.70% 4.32%
Loan Loss Ratio4
All U.S. Banks 61.57% 67.07% 71.78%
All Eighth District States 58.95% 66.55% 71.13%
Arkansas Banks 60.23% 69.12% 71.40%
Illinois Banks 50.33% 55.99% 63.16%
Indiana Banks 64.11% 69.23% 75.06%
Kentucky Banks 69.40% 71.63% 75.12%
Mississippi Banks 69.12% 78.26% 66.30%
Missouri Banks 67.18% 83.23% 90.75%
Tennessee Banks 61.14% 68.73% 74.36%

SOURCE: Reports of Condition and Income for Insured Commercial Banks

Endnotes

  1. Because all District banks except one have assets of less than $15 billion, banks larger than $15 billion have been excluded from the analysis. [back to table]
  2. All earnings ratios are annualized and use year-to-date average assets or average earnings assets in the denominator. [back to table]
  3. Nonperforming loans plus OREO are those 90 days past due or in nonaccrual status or other real estate owned. [back to table]
  4. The loan loss coverage ratio is defined as the loan loss reserve (ALLL) divided by nonperforming loans. [back to table]

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