Illinois at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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Employment Growth Rates
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-4.6%
|
-3.5%
|
-0.1%
|
-0.5%
|
0.8%
|
|
Manufacturing (11%)
|
-11.8%
|
-7.6%
|
-2.0%
|
-2.3%
|
-1.2%
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|
Other (non-manufacturing) Goods-Producing (4%)
|
-12.9%
|
-11.5%
|
-4.5%
|
-4.8%
|
-1.4%
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|
Private Service-Producing (70%)
|
-3.8%
|
-3.1%
|
0.3%
|
-0.2%
|
1.4%
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|
Government (15%)
|
0.1%
|
0.0%
|
0.7%
|
0.7%
|
0.5%
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Unemployment Rate (% of labor force)
|
9.9%
|
8.5%
|
6.4%
|
6.5%
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5.1%
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|
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Other Indicators
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Q2-09
|
Q1-09
|
Q2-08
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2008
|
2007
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|
Single-Family Home Permits
|
-44.5%
|
-47.0%
|
-47.3%
|
-49.4%
|
-35.7%
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|
Multifamily Building Permits
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-88.4%
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-74.9%
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-25.5%
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-46.6%
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-10.5%
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Home Price Index
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-4.6%
|
-3.1%
|
-1.2%
|
-1.9%
|
2.3%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.47
|
5.25
|
4.39
|
4.23
|
3.15
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BANKING TRENDS
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General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
649
|
651
|
661
|
655
|
670
|
|
Total Assets (in millions)
|
334,599
|
345,616
|
394,779
|
366,831
|
395,561
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New Institutions (# < 3 years)
|
12
|
14
|
19
|
16
|
25
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Subchapter S Institutions
|
235
|
237
|
236
|
234
|
229
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|
|
|
|
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Asset Quality
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Q2-09
|
Q1-09
|
Q2-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.35
|
3.28
|
2.44
|
3.04
|
2.28
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|
Noncurrent Loans / Total Loans (median %)
|
1.91
|
1.72
|
1.08
|
1.36
|
0.80
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ALLL/Total Loans (median %)
|
1.22
|
1.16
|
1.04
|
1.11
|
1.01
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ALLL/Noncurrent Loans (median multiple)
|
0.60
|
0.62
|
0.81
|
0.73
|
1.01
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Net Loan Losses / Total Loans (median %)
|
0.13
|
0.05
|
0.01
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0.18
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0.07
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Capital / Earnings
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Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.14
|
9.18
|
9.50
|
9.24
|
9.62
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Return on Assets (median %)
|
0.61
|
0.69
|
0.77
|
0.61
|
0.83
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Pretax Return on Assets (median %)
|
0.72
|
0.83
|
0.94
|
0.72
|
1.00
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Net Interest Margin (median %)
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3.45
|
3.42
|
3.44
|
3.49
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3.50
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Yield on Earning Assets (median %)
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5.36
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5.53
|
5.99
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6.04
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6.61
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Cost of Funding Earning Assets (median %)
|
1.93
|
2.07
|
2.59
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2.58
|
3.15
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Provisions to Avg. Assets (median %)
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0.20
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0.16
|
0.08
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0.19
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0.08
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Noninterest Income to Avg. Assets (median %)
|
0.51
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0.46
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0.51
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0.50
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0.49
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Overhead to Avg. Assets (median %)
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2.79
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2.65
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2.63
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2.72
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2.71
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Liquidity / Sensitivity
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Net Loans to Assets (median %)
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63.9
|
63.9
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64.0
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65.6
|
64.5
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Noncore Funding to Assets (median %)
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21.0
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21.6
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20.9
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22.0
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20.1
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Long-term Assets to Assets (median %, call filers)
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18.4
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18.2
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18.3
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18.0
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15.1
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Brokered Deposits (number of institutions)
|
265
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268
|
247
|
270
|
248
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Brokered Deposits to Assets (median % for those above)
|
6.2
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6.3
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4.0
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6.1
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4.1
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Commercial and Industrial
|
64.9
|
64.4
|
66.6
|
65.9
|
63.8
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Commercial Real Estate
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172.3
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174.8
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172.4
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177.5
|
163.4
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Construction & Development
|
25.0
|
28.7
|
29.0
|
29.3
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28.9
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Multifamily Residential Real Estate
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10.6
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9.7
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9.1
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9.7
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7.9
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Nonresidential Real Estate
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110.4
|
108.6
|
105.4
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112.3
|
100.9
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Residential Real Estate
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174.3
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176.3
|
163.3
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177.7
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157.6
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Consumer
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23.8
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24.5
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26.3
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25.7
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28.1
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Agriculture
|
46.3
|
47.7
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45.4
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52.6
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48.4
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BANKING PROFILE
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