Eighth District Bank Data 4Q 20101

  2009: 4Q 2010: 3Q 2010: 4Q
Return on Average Assets2
All Eighth District States -0.21% 0.46% 0.39%
Arkansas Banks 0.58 0.86 0.81
Illinois Banks -0.6 0.34 0.15
Indiana Banks -0.19 0.49 0.49
Kentucky Banks 0.49 0.92 0.84
Mississippi Banks 0.42 0.59 0.55
Missouri Banks -0.49 0.29 0.38
Tennessee Banks -0.42 0.21 0.07
Net Interest Margin
All Eighth District States 3.55 3.76 3.8
Arkansas Banks 3.99 4.13 4.16
Illinois Banks 3.29 3.65 3.67
Indiana Banks 3.74 3.77 3.78
Kentucky Banks 3.88 4.04 4
Mississippi Banks 3.87 3.89 3.92
Missouri Banks 3.34 3.51 3.67
Tennessee Banks 3.61 3.79 3.81
Loan Loss Provision Ratio
All Eighth District States 1.36 0.92 0.97
Arkansas Banks 0.92 0.72 0.85
Illinois Banks 1.82 1.19 1.28
Indiana Banks 1.19 0.9 0.89
Kentucky Banks 0.61 0.54 0.58
Mississippi Banks 0.86 0.82 0.8
Missouri Banks 1.51 0.86 0.85
Tennessee Banks 1.31 0.89 0.94
Nonperforming Loans Ratio3
All Eighth District States 3.72 3.88 3.76
Arkansas Banks 2.65 3.27 3.47
Illinois Banks 5.26 5.05 5.04
Indiana Banks 2.99 3.13 3.08
Kentucky Banks 2.43 2.49 2.39
Mississippi Banks 2.34 3.13 2.97
Missouri Banks 3.83 3.98 3.29
Tennessee Banks 2.79 3.49 3.54
Nonperforming Loans + OREO Ratio
All Eighth District States 4.82 5.38 5.28
Arkansas Banks 3.92 5.05 5.45
Illinois Banks 6.34 6.48 6.54
Indiana Banks 3.51 3.8 3.81
Kentucky Banks 3.17 3.55 3.56
Mississippi Banks 3.42 4.56 4.61
Missouri Banks 5.27 6.01 4.86
Tennessee Banks 4.17 5.37 5.52

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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