Quarterly Report: Second-Quarter 2013 Banking Performance

Earnings Performance[1]

  2012: 2Q 2013: 1Q 2013: 2Q
Return on Average Assets[2]
All U.S. Banks 1.05% 0.94% 0.99%
All Eighth District States 0.91% 0.89% 0.93%
Arkansas Banks 1.07% 1.26% 1.24%
Illinois Banks 0.73% 0.72% 0.81%
Indiana Banks 1.07% 1.05% 1.09%
Kentucky Banks 1.23% 0.94% 0.90%
Mississippi Banks 0.90% 0.84% 0.88%
Missouri Banks 0.90% 0.90% 0.93%
Tennessee Banks 0.83% 0.80% 0.85%
Net Interest Margin
All U.S. Banks 3.89% 3.74% 3.79%
All Eighth District States 3.84% 3.66% 3.66%
Arkansas Banks 4.16% 4.07% 4.07%
Illinois Banks 3.64% 3.46% 3.44%
Indiana Banks 3.91% 3.73% 3.73%
Kentucky Banks 4.09% 3.79% 3.81%
Mississippi Banks 4.04% 3.82% 3.85%
Missouri Banks 3.68% 3.49% 3.48%
Tennessee Banks 3.90% 3.82% 3.85%
Loan Loss Provision Ratio
All U.S. Banks 0.37% 0.22% 0.20%
All Eighth District States 0.44% 0.23% 0.21%
Arkansas Banks 0.37% 0.19% 0.19%
Illinois Banks 0.57% 0.32% 0.30%
Indiana Banks 0.28% 0.14% 0.13%
Kentucky Banks 0.34% 0.23% 0.23%
Mississippi Banks 0.24% 0.15% 0.14%
Missouri Banks 0.39% 0.19% 0.15%
Tennessee Banks 0.36% 0.24% 0.22%

Asset Quality Measures

  2012: 2Q 2013: 1Q 2013: 2Q
Nonperforming Assets Ratio[3]
All U.S. Banks 4.26% 3.53% 3.17%
All Eighth District States 4.65% 3.98% 3.59%
Arkansas Banks 5.09% 4.71% 4.36%
Illinois Banks 5.71% 4.69% 4.06%
Indiana Banks 2.90% 2.48% 2.33%
Kentucky Banks 3.72% 3.51% 3.33%
Mississippi Banks 3.90% 3.88% 3.55%
Missouri Banks 4.41% 3.37% 3.08%
Tennessee Banks 4.89% 4.21% 3.80%
Loan Loss Coverage Ratio[4]
All U.S. Banks 66.94% 75.29% 80.77%
All Eighth District States 65.50% 73.69% 79.24%
Arkansas Banks 68.89% 70.64% 72.71%
Illinois Banks 53.56% 64.87% 71.96%
Indiana Banks 83.45% 91.72% 93.46%
Kentucky Banks 71.79% 72.45% 74.44%
Mississippi Banks 78.26% 69.05% 74.11%
Missouri Banks 77.09% 95.25% 102.33%
Tennessee Banks 67.36% 76.10% 82.26%

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]

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