Compiled by Daigo Gubo
| 2Q 2009 | 1Q 2010 | 2Q 2010 | |
|---|---|---|---|
| Return on Average Assets2 | |||
| All Eighth District States | –0.36% | 0.33% | 0.41% |
| Arkansas Banks | 0.66 | 0.89 | 0.79 |
| Illinois Banks | –0.95 | –0.08 | 0.21 |
| Indiana Banks | –0.62 | 0.22 | 0.40 |
| Kentucky Banks | 0.76 | 1.07 | 0.96 |
| Mississippi Banks | 0.35 | 0.48 | 0.52 |
| Missouri Banks | –0.33 | 0.37 | 0.28 |
| Tennessee Banks | –0.66 | 0.35 | 0.31 |
| Net Interest Margin | |||
| All Eighth District States | 3.45 | 3.66 | 3.72 |
| Arkansas Banks | 3.97 | 3.96 | 4.07 |
| Illinois Banks | 3.09 | 3.48 | 3.61 |
| Indiana Banks | 3.55 | 3.74 | 3.75 |
| Kentucky Banks | 3.93 | 4.23 | 4.09 |
| Mississippi Banks | 3.81 | 3.88 | 3.87 |
| Missouri Banks | 3.30 | 3.35 | 3.41 |
| Tennessee Banks | 3.64 | 3.72 | 3.77 |
| Loan Loss Provision Ratio | |||
| All Eighth District States | 1.39 | 0.92 | 0.93 |
| Arkansas Banks | 0.75 | 0.64 | 0.75 |
| Illinois Banks | 1.92 | 1.30 | 1.22 |
| Indiana Banks | 1.47 | 1.01 | 0.94 |
| Kentucky Banks | 0.52 | 0.52 | 0.53 |
| Mississippi Banks | 0.80 | 0.79 | 0.79 |
| Missouri Banks | 1.31 | 0.74 | 0.87 |
| Tennessee Banks | 1.52 | 0.73 | 0.81 |
| Nonperforming Loans Ratio3 | |||
| All Eighth District States | 3.96 | 3.92 | 3.79 |
| Arkansas Banks | 2.40 | 3.03 | 2.92 |
| Illinois Banks | 6.46 | 5.35 | 5.20 |
| Indiana Banks | 2.95 | 3.14 | 3.21 |
| Kentucky Banks | 1.97 | 2.44 | 2.42 |
| Mississippi Banks | 1.87 | 2.58 | 2.77 |
| Missouri Banks | 3.15 | 4.16 | 3.76 |
| Tennessee Banks | 2.99 | 3.16 | 3.10 |
SOURCE: Reports of Condition and Income for Insured Commercial Banks
NOTES:
1 Because all District banks but one have assets of less than $15 billion, banks larger than $15 billion have been excluded from the analysis.
2 All earnings ratios are annualized and use year-to-date average assets or average earning assets in the denominator.
3 Nonperforming loans are those 90 days or more past due or in nonaccrual status.
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