Quarterly Report: Third-Quarter 2012 Banking Performance

Earnings Performance[1]

  2011: 3Q 2012: 2Q 2012: 3Q
Return on Average Assets[2]
All U.S. Banks 0.71% 1.05% 1.00%
All Eighth District States 0.63 0.91 0.89
Arkansas Banks 1.11 1.07 1.13
Illinois Banks 0.44 0.73 0.68
Indiana Banks 0.89 1.07 1.12
Kentucky Banks 0.82 1.21 1.08
Mississippi Banks 0.72 0.90 0.91
Missouri Banks 0.69 0.90 0.91
Tennessee Banks 0.12 0.83 0.84
Net Interest Margin
All U.S. Banks 3.94% 3.89% 3.86%
All Eighth District States 3.89 3.84 3.84
Arkansas Banks 4.31 4.16 4.19
Illinois Banks 3.73 3.64 3.63
Indiana Banks 3.94 3.91 3.90
Kentucky Banks 4.12 4.09 4.05
Mississippi Banks 3.98 4.04 4.05
Missouri Banks 3.71 3.68 3.71
Tennessee Banks 3.89 3.90 3.92
Loan Loss Provision Ratio
All U.S. Banks 0.60% 0.37% 0.35%
All Eighth District States 0.70 0.41 0.41
Arkansas Banks 0.50 0.37 0.36
Illinois Banks 0.93 0.56 0.57
Indiana Banks 0.47 0.28 0.22
Kentucky Banks 0.52 0.34 0.40
Mississippi Banks 0.56 0.24 0.25
Missouri Banks 0.58 0.39 0.38
Tennessee Banks 0.88 0.36 0.36

Asset Quality Measures

  2011: 3Q 2012: 2Q 2012: 3Q
Nonperforming Assets Ratio[3]
All U.S. Banks 4.95% 4.27% 4.11%
All Eighth District States 5.32 4.70 4.48
Arkansas Banks 5.83 5.10 5.05
Illinois Banks 6.56 5.72 5.35
Indiana Banks 3.89 3.30 3.18
Kentucky Banks 3.69 3.72 3.69
Mississippi Banks 4.50 3.91 3.81
Missouri Banks 4.78 4.41 4.08
Tennessee Banks 5.71 4.89 4.70
Loan Loss Ratio[4]
All U.S. Banks 59.54% 66.68% 66.91%
All Eighth District States 57.37 64.28 66.36
Arkansas Banks 56.44 68.89 69.11
Illinois Banks 47.82 53.00 55.50
Indiana Banks 62.74 70.38 69.18
Kentucky Banks 69.41 71.79 71.71
Mississippi Banks 66.68 77.89 78.17
Missouri Banks 72.05 77.09 83.49
Tennessee Banks 58.41 67.36 68.64

Compiled by Daigo Gubo

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 loans plus OREO are those 90 days past due or in nonaccrual status or 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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