Branches:

Statewide Bank Conditions for Fourth Quarter 2011¹

Compiled by Daigo Gubo

	2010: 4Q	2011: 3Q	2011: 4Q
Return on Average Assets²
All Eighth District States	0.34%	0.64%	0.65%
Arkansas Banks	0.77	1.11	1.09
Illinois Banks	0.06	0.44	0.46
Indiana Banks	0.48	0.89	0.90
Kentucky Banks	0.80	0.82	0.71
Mississippi Banks	0.55	0.72	0.72
Missouri Banks	0.37	0.70	0.66
Tennessee Banks	-0.04	0.12	0.42
Net Interest Margin
All Eighth District States	3.80	3.89	3.91
Arkansas Banks	4.13	4.31	4.32
Illinois Banks	3.67	3.73	3.75
Indiana Banks	3.78	3.94	3.97
Kentucky Banks	4.00	4.12	4.08
Mississippi Banks	3.92	3.98	4.01
Missouri Banks	3.67	3.73	3.78
Tennessee Banks	3.80	3.89	3.92
Loan Loss Provision Ratio
All Eighth District States	1.01	0.69	0.67
Arkansas Banks	0.88	0.50	0.50
Illinois Banks	1.34	0.93	0.92
Indiana Banks	0.90	0.47	0.44
Kentucky Banks	0.60	0.52	0.55
Mississippi Banks	0.80	0.56	0.55
Missouri Banks	0.87	0.57	0.58
Tennessee Banks	1.02	0.88	0.64
Nonperforming Loan Ratio³
All Eighth District States	3.76	3.64	3.50
Arkansas Banks	3.48	3.78	3.57
Illinois Banks	5.04	4.78	4.53
Indiana Banks	3.10	3.14	2.94
Kentucky Banks	2.38	2.43	2.42
Mississippi Banks	2.97	2.70	2.62
Missouri Banks	3.18	2.96	3.06
Tennessee Banks	3.64	3.70	3.43
Nonperforming Loan + OREO Ratio⁴
All Eighth District States	5.27	5.32	5.14
Arkansas Banks	5.46	5.83	5.65
Illinois Banks	6.55	6.56	6.21
Indiana Banks	3.83	3.89	3.64
Kentucky Banks	3.55	3.69	3.65
Mississippi Banks	4.61	4.5	4.47
Missouri Banks	4.73	4.78	4.85
Tennessee Banks	5.60	5.71	5.42

SOURCE: Reports of Condition and Income for Insured Commercial Banks.

NOTES:

Because all District banks except one have assets of less than $15 billion, banks larger than $15 billion have been excluded from the analysis.
All earnings ratios are annualized and use year-to-date average assets or average earning assets in the denominator.
Nonperforming loans are those 90 days or more past due or in nonaccrual status.
Nonperforming loans plus OREO are those 90 days past due or in nonaccrual status or other real estate owned.