Quarterly Report: Earnings, Asset Quality and Capital: Community Banks and Thrifts

  2013:Q2 2014:Q1 2014:Q2
Return on Average Assets1
All U.S. Banks 1.06% 0.97% 1.01%
All Eighth District Banks 0.99% 1.01% 1.08%
Arkansas Banks 1.28% 1.31% 1.38%
Illinois Banks 0.80% 0.77% 0.84%
Indiana Banks 1.03% 0.87% 0.97%
Kentucky Banks 0.90% 0.94% 0.96%
Mississippi Banks 0.86% 0.91% 0.94%
Missouri Banks 0.99% 1.06% 1.06%
Tennessee Banks 0.84% 0.93% 0.95%
Net Interest Margin
All U.S. Banks 3.72% 3.74% 3.76%
All Eighth District Banks 3.78% 3.83% 3.84%
Arkansas Banks 4.33% 4.48% 4.53%
Illinois Banks 3.41% 3.44% 3.47%
Indiana Banks 3.70% 3.73% 3.68%
Kentucky Banks 3.80% 3.75% 3.80%
Mississippi Banks 3.97% 3.84% 3.87%
Missouri Banks 3.58% 3.65% 3.61%
Tennessee Banks 3.81% 3.81% 3.85%
Net Noninterest Expense Ratio
All U.S. Banks 1.86% 1.97% 1.94%
All Eighth District Banks 1.91% 1.99% 1.97%
Arkansas Banks 1.80% 1.98% 1.90%
Illinois Banks 1.79% 1.98% 1.95%
Indiana Banks 1.77% 1.96% 1.82%
Kentucky Banks 2.08% 2.10% 2.14%
Mississippi Banks 2.14% 2.11% 2.10%
Missouri Banks 1.80% 1.80% 1.88%
Tennessee Banks 2.14% 2.16% 2.14%
Loan Loss Provision Ratio
All U.S. Banks 0.19% 0.14% 0.14%
All Eighth District Banks 0.19% 0.11% 0.12%
Arkansas Banks 0.23% 0.15% 0.17%
Illinois Banks 0.25% 0.16% 0.13%
Indiana Banks 0.14% 0.06% 0.07%
Kentucky Banks 0.23% 0.13% 0.12%
Mississippi Banks 0.24% 0.10% 0.11%
Missouri Banks 0.18% 0.08% 0.10%
Tennessee Banks 0.21% 0.10% 0.11%
Nonperforming Loan Ratio2
All U.S. Banks 2.32% 1.90% 1.74%
All Eighth District Banks 1.96% 1.61% 1.48%
Arkansas Banks 2.35% 1.92% 1.79%
Illinois Banks 2.95% 2.68% 2.45%
Indiana Banks 1.89% 1.42% 1.23%
Kentucky Banks 2.23% 1.91% 1.70%
Mississippi Banks 2.27% 1.58% 1.57%
Missouri Banks 2.10% 1.63% 1.51%
Tennessee Banks 2.19% 1.75% 1.62%
Problem Assets Ratio3
All U.S. Banks 3.28% 2.69% 2.45%
All Eighth District Banks 3.32% 2.69% 2.48%
Arkansas Banks 4.34% 3.47% 3.20%
Illinois Banks 4.34% 3.84% 3.48%
Indiana Banks 2.45% 1.83% 1.60%
Kentucky Banks 3.29% 2.86% 2.63%
Mississippi Banks 3.65% 2.80% 2.70%
Missouri Banks 3.60% 2.87% 2.61%
Tennessee Banks 3.76% 3.04% 2.82%
Return on Average Equity
All U.S. Banks 9.12% 8.38% 8.67%
All Eighth District Banks 9.20% 9.37% 9.89%
Arkansas Banks 10.82% 10.86% 11.30%
Illinois Banks 7.52% 7.20% 7.83%
Indiana Banks 9.19% 7.91% 8.79%
Kentucky Banks 8.15% 8.58% 8.63%
Mississippi Banks 8.01% 8.61% 8.75%
Missouri Banks 8.82% 9.60% 9.44%
Tennessee Banks 7.55% 8.35% 8.53%
Tier 1 Leverage Ratio
All U.S. Banks 10.73% 10.77% 10.78%
All Eighth District Banks 10.02% 10.20% 10.39%
Arkansas Banks 10.78% 10.96% 11.09%
Illinois Banks 9.81% 9.95% 10.01%
Indiana Banks 9.97% 10.03% 10.32%
Kentucky Banks 10.47% 10.67% 10.83%
Mississippi Banks 9.80% 9.87% 9.98%
Missouri Banks 10.74% 10.69% 10.84%
Tennessee Banks 10.45% 10.63% 10.63%

SOURCE: Reports of Condition and Income for Insured Commercial Banks.
NOTE: Community banks and thrifts are those institutions with assets of less than $10 billion.

Endnotes

  1. All earnings ratios are annualized and use year-to-date average assets or average earning assets in the denominator. [back to text]
  2. Nonperforming loans are loans 90 days past due or in nonaccrual status. [back to text]
  3. Problem assets consist of nonperforming loans plus other real estate owned (OREO). [back to text]

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