| 2010: 1Q | 2010: 4Q | 2011: 1Q | |
|---|---|---|---|
| Return on Average Assets2 | |||
| All Eighth District States | 0.33% | 0.36% | 0.66% |
| Arkansas Banks | 0.88 | 0.78 | 1.01 |
| Illinois Banks | -0.09 | 0.09 | 0.53 |
| Indiana Banks | 0.23 | 0.48 | 0.41 |
| Kentucky Banks | 1.07 | 0.80 | 1.31 |
| Mississippi Banks | 0.48 | 0.55 | 0.55 |
| Missouri Banks | 0.37 | 0.38 | 0.73 |
| Tennessee Banks | 0.36 | -0.01 | 0.39 |
| Net Interest Margin | |||
| All Eighth District States | 3.66 | 3.80 | 3.84 |
| Arkansas Banks | 3.96 | 4.13 | 4.21 |
| Illinois Banks | 3.48 | 3.67 | 3.68 |
| Indiana Banks | 3.74 | 3.78 | 3.81 |
| Kentucky Banks | 4.23 | 4.00 | 4.36 |
| Mississippi Banks | 3.88 | 3.92 | 3.82 |
| Missouri Banks | 3.35 | 3.67 | 3.64 |
| Tennessee Banks | 3.72 | 3.80 | 3.83 |
| Loan Loss Provision Ratio | |||
| All Eighth District States | 0.93 | 1.00 | 0.63 |
| Arkansas Banks | 0.64 | 0.87 | 0.48 |
| Illinois Banks | 1.31 | 1.32 | 0.76 |
| Indiana Banks | 1.01 | 0.90 | 0.82 |
| Kentucky Banks | 0.52 | 0.60 | 0.49 |
| Mississippi Banks | 0.79 | 0.80 | 0.67 |
| Missouri Banks | 0.74 | 0.86 | 0.43 |
| Tennessee Banks | 0.72 | 1.00 | 0.57 |
| Nonperforming Loans Ratio3 | |||
| All Eighth District States | 3.92 | 3.75 | 3.81 |
| Arkansas Banks | 3.03 | 3.48 | 3.45 |
| Illinois Banks | 5.35 | 5.07 | 5.17 |
| Indiana Banks | 3.14 | 3.10 | 3.26 |
| Kentucky Banks | 2.43 | 2.38 | 2.40 |
| Mississippi Banks | 2.58 | 2.97 | 2.92 |
| Missouri Banks | 4.15 | 3.18 | 3.19 |
| Tennessee Banks | 3.17 | 3.55 | 3.73 |
| Nonperforming Loans + OREO Ratio | |||
| All Eighth District States | 5.20 | 5.27 | 5.43 |
| Arkansas Banks | 4.46 | 5.45 | 5.58 |
| Illinois Banks | 6.61 | 6.58 | 6.78 |
| Indiana Banks | 3.71 | 3.83 | 4.02 |
| Kentucky Banks | 3.36 | 3.54 | 3.67 |
| Mississippi Banks | 3.78 | 4.61 | 4.46 |
| Missouri Banks | 5.85 | 4.73 | 4.90 |
| Tennessee Banks | 4.72 | 5.52 | 5.75 |
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.
