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Central Banker | Winter 2013

Quarterly Report

Earnings, Asset Quality and Capital: Community Banks and Thrifts

 2012: Q42013: Q32013: Q4
Return on Average Assets
All U.S. Banks 0.99% 1.07% 1.06%
All Eighth District States 1.02% 1.01% 1.01%
Arkansas Banks 1.28% 1.30% 1.31%
Illinois Banks 0.52% 0.85% 0.84%
Indiana Banks 1.06% 1.03% 1.04%
Kentucky Banks 0.99% 0.89% 0.88%
Mississippi Banks 0.92% 0.87% 0.85%
Missouri Banks 0.93% 0.98% 0.95%
Tennessee Banks 0.77% 0.89% 0.91%
Net Interest Margin
All U.S. Banks 3.83% 3.76% 3.79%
All Eighth District States 3.97% 3.83% 3.86%
Arkansas Banks 4.44% 4.38% 4.53%
Illinois Banks 3.58% 3.43% 3.43%
Indiana Banks 3.88% 3.72% 3.74%
Kentucky Banks 3.97% 3.82% 3.83%
Mississippi Banks 4.12% 4.02% 4.05%
Missouri Banks 3.82% 3.63% 3.65%
Tennessee Banks 3.86% 3.85% 3.87%
Net Noninterest Expense Ratio
All U.S. Banks 1.85% 1.88% 1.94%
All Eighth District States 1.89% 1.92% 1.97%
Arkansas Banks 1.82% 1.82% 1.93%
Illinois Banks 1.92% 1.83% 1.87%
Indiana Banks 1.81% 1.82% 1.83%
Kentucky Banks 1.94% 2.11% 2.15%
Mississippi Banks 2.16% 2.21% 2.27%
Missouri Banks 1.82% 1.84% 1.91%
Tennessee Banks 2.16% 2.13% 2.17%
Loan Loss Provision Ratio
All U.S. Banks 0.37% 0.18% 0.17%
All Eighth District States 0.36% 0.19% 0.18%
Arkansas Banks 0.31% 0.22% 0.21%
Illinois Banks 0.60% 0.22% 0.20%
Indiana Banks 0.25% 0.12% 0.11%
Kentucky Banks 0.40% 0.23% 0.21%
Mississippi Banks 0.28% 0.22% 0.21%
Missouri Banks 0.44% 0.20% 0.20%
Tennessee Banks 0.40% 0.18% 0.17%
Nonperforming Loans
All U.S. Banks 2.69% 2.15% 2.01%
All Eighth District States 2.12% 1.79% 1.65%
Arkansas Banks 2.56% 2.15% 1.95%
Illinois Banks 3.46% 2.76% 2.70%
Indiana Banks 2.12% 1.75% 1.54%
Kentucky Banks 2.32% 2.16% 2.06%
Mississippi Banks 2.63% 2.15% 1.89%
Missouri Banks 2.33% 1.90% 1.69%
Tennessee Banks 2.57% 2.01% 1.82%
Problem Assets
All U.S. Banks 3.77% 3.03% 2.83%
All Eighth District States 3.61% 3.00% 2.75%
Arkansas Banks 4.79% 4.01% 3.60%
Illinois Banks 4.99% 4.05% 3.90%
Indiana Banks 2.71% 2.29% 1.96%
Kentucky Banks 3.49% 3.17% 3.00%
Mississippi Banks 4.19% 3.45% 3.13%
Missouri Banks 3.93% 3.23% 2.90%
Tennessee Banks 4.30% 3.42% 3.17%
Return on Equity
All U.S. Banks 8.46% 9.19% 9.11%
All Eighth District States 9.37% 9.39% 9.41%
Arkansas Banks 10.84% 11.04% 11.19%
Illinois Banks 4.80% 7.95% 7.84%
Indiana Banks 9.56% 9.28% 9.41%
Kentucky Banks 8.95% 8.08% 8.04%
Mississippi Banks 8.12% 8.06% 7.94%
Missouri Banks 8.29% 8.63% 8.40%
Tennessee Banks 6.86% 7.99% 8.14%
Tier 1 Leverage Ratio
All U.S. Banks 10.51% 10.80% 10.77%
All Eighth District States 9.84% 10.22% 10.08%
Arkansas Banks 10.45% 11.04% 10.79%
Illinois Banks 9.52% 9.90% 9.88%
Indiana Banks 9.75% 10.01% 9.97%
Kentucky Banks 10.18% 10.62% 10.59%
Mississippi Banks 10.08% 10.10% 9.81%
Missouri Banks 10.53% 10.96% 10.59%
Tennessee Banks 10.09% 10.65% 10.62%

SOURCE: Reports of Condition and Income for Insured Commercial Banks

NOTES: Community banks and thrifts are those institutions with assets of less than $10 billion. The All U.S., Eighth District and Missouri categories exclude Missouri-based institutions which had large and unusual noncore earnings to avoid significantly skewing the 2013 category results.

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