Quarterly Report: Third-Quarter 2013 Banking Performance

Earnings Performance[1]

  2012: 3Q 2013: 2Q 2013: 3Q
Return on Average Assets[2]
All U.S. Banks 0.99% 1.00% 1.02%
All Eighth District States 0.89% 0.92% 0.95%
Arkansas Banks 1.13% 1.23% 1.25%
Illinois Banks 0.67% 0.80% 0.86%
Indiana Banks 1.12% 1.09% 1.09%
Kentucky Banks 1.10% 0.89% 0.88%
Mississippi Banks 0.91% 0.88% 0.89%
Missouri Banks 0.92% 0.93% 0.97%
Tennessee Banks 0.83% 0.85% 0.90%
Net Interest Margin
All U.S. Banks 3.87% 3.79% 3.83%
All Eighth District States 3.84% 3.66% 3.72%
Arkansas Banks 4.19% 4.07% 4.11%
Illinois Banks 3.62% 3.44% 3.46%
Indiana Banks 3.92% 3.74% 3.76%
Kentucky Banks 4.04% 3.80% 3.83%
Mississippi Banks 4.05% 3.85% 3.89%
Missouri Banks 3.71% 3.48% 3.67%
Tennessee Banks 3.92% 3.85% 3.89%
Loan Loss Provision Ratio
All U.S. Banks 0.35% 0.20% 0.19%
All Eighth District States 0.41% 0.21% 0.20%
Arkansas Banks 0.37% 0.19% 0.20%
Illinois Banks 0.58% 0.30% 0.27%
Indiana Banks 0.22% 0.13% 0.10%
Kentucky Banks 0.40% 0.24% 0.23%
Mississippi Banks 0.25% 0.14% 0.13%
Missouri Banks 0.37% 0.15% 0.15%
Tennessee Banks 0.36% 0.22% 0.18%

Asset Quality Measures

  2012: 2Q 2013: 1Q 2013: 2Q
Nonperforming Assets Ratio[3]
All U.S. Banks 4.11% 3.17% 2.94%
All Eighth District States 4.50% 3.62% 3.40%
Arkansas Banks 5.04% 4.37% 3.96%
Illinois Banks 5.35% 4.18% 3.88%
Indiana Banks 2.87% 2.33% 2.15%
Kentucky Banks 3.69% 3.32% 3.20%
Mississippi Banks 4.33% 3.55% 3.30%
Missouri Banks 4.03% 3.04% 3.09%
Tennessee Banks 4.70% 3.81% 3.47%
Loan Loss Ratio[4]
All U.S. Banks 67.22% 81.06% 85.15%
All Eighth District States 66.11% 78.01% 81.11%
Arkansas Banks 69.39% 72.65% 81.03%
Illinois Banks 55.99% 69.05% 71.20%
Indiana Banks 79.09% 93.03% 98.93%
Kentucky Banks 71.63% 74.93% 75.05%
Mississippi Banks 62.96% 74.11% 76.51%
Missouri Banks 83.97% 103.10% 107.03%
Tennessee Banks 68.86% 81.87% 84.36%

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 assets are loans 90 days past due or in nonaccrual status, plus 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]

Subscribe

Keep up with what’s new and noteworthy at the St. Louis Fed. Sign up now to have this free monthly e-newsletter emailed to you.

Subscription Options


Additional Fed Publications

Fed in Print: An index of the economic research conducted by the Fed.