| 2010: Q2 | 2011: Q1 | 2011: Q2 | |
|---|---|---|---|
| Return on Average Assets2 | |||
| All Eighth District States | 0.40% | 0.62% | 0.60% |
| Arkansas Banks | 0.78 | 1.00 | 1.10 |
| Illinois Banks | 0.21 | 0.44 | 0.40 |
| Indiana Banks | 0.40 | 0.41 | 0.57 |
| Kentucky Banks | 0.96 | 1.28 | 0.87 |
| Mississippi Banks | 0.52 | 0.56 | 0.69 |
| Missouri Banks | 0.23 | 0.65 | 0.68 |
| Tennessee Banks | 0.32 | 0.37 | 0.24 |
| Net Interest Margin | |||
| All Eighth District States | 3.72 | 3.84 | 3.85 |
| Arkansas Banks | 4.07 | 4.21 | 4.27 |
| Illinois Banks | 3.61 | 3.68 | 3.69 |
| Indiana Banks | 3.75 | 3.81 | 3.83 |
| Kentucky Banks | 4.09 | 4.36 | 4.17 |
| Mississippi Banks | 3.87 | 3.83 | 3.93 |
| Missouri Banks | 3.40 | 3.64 | 3.69 |
| Tennessee Banks | 3.77 | 3.83 | 3.86 |
| Loan Loss Provision Ratio | |||
| All Eighth District States | 0.94 | 0.69 | 0.69 |
| Arkansas Banks | 0.75 | 0.50 | 0.52 |
| Illinois Banks | 1.22 | 0.89 | 0.94 |
| Indiana Banks | 0.94 | 0.82 | 0.66 |
| Kentucky Banks | 0.54 | 0.52 | 0.52 |
| Mississippi Banks | 0.79 | 0.67 | 0.60 |
| Missouri Banks | 0.92 | 0.51 | 0.51 |
| Tennessee Banks | 0.82 | 0.60 | 0.70 |
| Nonperforming Loan Ratio3 | |||
| All Eighth District States | 3.79 | 3.82 | 3.78 |
| Arkansas Banks | 2.92 | 3.45 | 4.01 |
| Illinois Banks | 5.19 | 5.19 | 5.06 |
| Indiana Banks | 3.21 | 3.26 | 3.03 |
| Kentucky Banks | 2.43 | 2.45 | 2.41 |
| Mississippi Banks | 2.77 | 2.92 | 2.80 |
| Missouri Banks | 3.76 | 3.17 | 2.99 |
| Tennessee Banks | 3.11 | 3.73 | 3.95 |
| Nonperforming Loan + OREO Ratio4 | |||
| All Eighth District States | 5.16 | 5.44 | 5.44 |
| Arkansas Banks | 4.49 | 5.58 | 6.09 |
| Illinois Banks | 6.50 | 6.79 | 6.75 |
| Indiana Banks | 3.80 | 4.02 | 3.80 |
| Kentucky Banks | 3.43 | 3.72 | 3.61 |
| Mississippi Banks | 4.05 | 4.64 | 4.56 |
| Missouri Banks | 5.62 | 4.88 | 4.74 |
| Tennessee Banks | 4.88 | 5.75 | 6.04 |
SOURCE: Reports of Condition and Income for Insured Commercial Banks.
NOTES:
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.
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.
4 OREO stands for other real estate owned.
