Selected economic indicators of banking, agricultural and business conditions in the Eighth Federal Reserve District

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1 District Data Selected economic indicators of banking, agricultural and business conditions in the Eighth Federal Reserve District Commercial Bank Performance Ratios U.S., District and State A l l U. S. U. S. < $ 1 5B 1 D i s t r i c t A R I L IN KY MS MO TN Return on Average Assets () 1.12% % % % 0.97% 1.31% 1.13% 1.45% 1.27% 1.38% Return on Average Equity () 13.79% % % % 9.43% 14.24% 13.11% 15.22% 15.14% 16.49% Net Interest Margin () 4.18% % % % 4.14% 4.36% 4.34% 4.92% 4.08% 4.29% N o n p e rf o rming Loans 2 Total Loans 1.17% % % % 1.01% 0.63% 0.88% 0.78% 0.85% 0.72% Net Loan Losses Average Total Loans () 0.55% % % % 0.30% 0.15% 0.36% 0.25% 0.32% 0.34% Loan Loss Reserve Total Loans 2.01% 1.92% 1.55% 1.36% 1.65% 1.41% 1.53% 1.62% 1.65% 1.50% NOTE: Data include only that portion of the state within Eighth District boundaries. 1 U.S. banks with average assets of less than $15 billion are shown separately to make comparisons with District banks more meaningful, as there are no District banks with average assets greater than $15 billion. 2 Includes loans 90 days or more past due and nonaccrual loans 15

2 Commercial Bank Performance Ratios by Asset Size Earnings 1st Quarter 1996 Asset Quality Return on Average Assets Net Loan Loss Ratio 1 Return on Average Equity Nonperforming Loan Ratio 2 Net Interest Margin 3 Loan Loss Reserve Ratio D = District US = United States < $100 Million $300 Million $1 Billion $100 Million $300 Million $1 Billion $15 Billion NOTE: Asset quality ratios are calculated as a percent of total loans. 1 Loan losses are adjusted for recoveries. 2 Includes loans 90 days or more past due and nonaccrual loans 3 Interest income less interest expense as a percent of average earning assets 16

3 Agricultural Bank Perf o rmance Ratios Return on average assets (annualized) Return on average equity (annualized) Net interest margin (annualized) Ag loan losses average ag loans ( a n n u a l i z e d ) Ag nonperforming loans 1 total ag loans U. S. A R I L IN KY MS MO TN 1.27% 1.35% 1.26% 1.34% 1.50% 1.49% 1.34% 1.42% % 12.47% 11.48% 13.92% 14.45% 15.22% 13.01% 13.46% % 4.23% 4.08% 4.56% 4.53% 5.16% 4.46% 4.44% % 0.01% 0.14% 0.16% 0.12% 0.60% 0.19% 0.68% % 0.62% 1.14% 1.48% 1.72% 4.86% 1.93% 1.52% NOTE: Agricultural banks are defined as those banks with a greater than average share of agricultural loans to total loans. Data include only that portion of the state within Eighth District boundaries. 1 Includes loans 90 days or more past due and nonaccrual loans U.S. Agricultural Exports by Commodity Dollar amounts in billions Commodity Jan Feb Mar Year-to-date Change from year ago Livestock & products Corn Cotton Rice Soybeans Tobacco Wheat TOTAL % % Includes commodities not listed here U.S. Crop and Livestock Prices Indexes of Food and Agricultural Prices Level Growth 1 I/9 6 I V/9 5 I/9 5 I V/9 5-I/96 I/9 5-I/96 Prices received by U.S. farm e rs 2 Prices received by District farm e rs 3 A r k a n s a s I l l i n o is I n d i a n a M i s s o u r i Te n n e s s e e Prices paid by U.S. farmers Production items Other items Consumer food prices Consumer nonfood prices NOTE: Data not seasonally adjusted except for consumer food prices and nonfood prices. 1 Compounded annual rates of change are computed from unrounded data. 2 Index of prices received for all farm products and prices paid ( =100) 3 I n d exes for Ke n t u cky and Mississippi are unava i l a bl e. 17

4 Selected U.S. and State Business Indicators United States Un rate 133, , , , , , % 5.6% 5.5% Compounded Annual Rates of Change in Nonagricultural Employment $3,960.2 $3,935.9 $3,861.6 Arkansas Un rate 1, , , , , , % 4.8% 5.0% $28.6 $28.5 $28.1 Illinois Un rate 6, , , , , , % 5.2% 5.1% $193.4 $192.5 $188.8 Indiana Un rate 3, , , , , , % 4.5% 4.2% $81.5 $80.8 $

5 Kentucky Un rate 1, , , , , , % 5.3% 4.7% $47.5 $47.2 $46.6 Mississippi Un rate 1, , , , , , % 6.2% 5.9% $29.4 $29.4 $28.9 Missouri Un rate 2, , , , , , % 4.2% 4.9% $76.1 $75.6 $74.5 Tennessee Un rate 2, , , , , , % 5.5% 4.7% $71.3 $70.4 $69.4 Total Construction Government Transportation, Communication and Public Utilities Manufacturing Finance, Insurance and Real Estate 19 General Services NOTE: All data are seasonally adjusted. The nonagricultural data reflect the 1995 benchmark revision. * Annual rate. Data deflated by CPI, 12-84=100. Wholesale/Retail Trade