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FDIC State Profiles
 

Illinois - First Quarter 2008

ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q1-08 Q4-07 Q1-07 2007 2006
Total Nonfarm (share of trailing four quarter employment in parentheses) 0.5% 0.6% 1.0% 0.8% 1.2%
  Manufacturing (11%) -0.6% -1.6% -0.6% -1.1% -0.7%
  Other (non-manufacturing) Goods-Producing (5%) -1.2% -1.3% -2.0% -1.6% 2.6%
  Private Service-Producing (70%) 0.8% 1.0% 1.6% 1.3% 1.7%
  Government (14%) 0.6% 1.1% 0.3% 0.6% -0.1%
Unemployment Rate (% of labor force) 5.5% 5.3% 4.7% 5.0% 4.6%
           
Other Indicators Q1-08 Q4-07 Q1-07 2007 2006
Single-Family Home Permits -52.3% -35.4% -40.3% -35.7% -20.7%
Multifamily Building Permits -56.9% -7.0% 2.5% -10.5% 7.0%
Home Price Index 0.7% 1.9% 4.6% 3.1% 7.0%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 3.80 3.33 3.00 3.14 2.33
           
BANKING TRENDS
General Information Q1-08 Q4-07 Q1-07 2007 2006
Institutions (#) 667 670 681 670 685
Total Assets (in millions) 395,340 395,559 378,462 395,559 380,883
New Institutions (# < 3 years) 23 25 23 25 21
Subchapter S Institutions 235 229 230 229 224
           
Asset Quality Q1-08 Q4-07 Q1-07 2007 2006
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.48 2.28 1.98 2.28 1.77
ALLL/Total Loans (median %) 1.04 1.01 1.06 1.01 1.04
ALLL/Noncurrent Loans (median multiple) 0.88 1.01 1.46 1.01 1.50
Net Loan Losses / Total Loans (median %) 0.01 0.06 0.00 0.07 0.06
           
Capital / Earnings Q1-08 Q4-07 Q1-07 2007 2006
Tier 1 Leverage (median %) 9.50 9.62 9.59 9.62 9.50
Return on Assets (median %) 0.82 0.75 0.82 0.83 0.85
Pretax Return on Assets (median %) 0.99 0.86 1.01 1.00 1.09
Net Interest Margin (median %) 3.40 3.50 3.46 3.50 3.60
Yield on Earning Assets (median %) 6.35 6.69 6.51 6.61 6.30
Cost of Funding Earning Assets (median %) 2.95 3.19 3.08 3.15 2.74
Provisions to Avg. Assets (median %) 0.07 0.08 0.04 0.08 0.06
Noninterest Income to Avg. Assets (median %) 0.49 0.49 0.47 0.49 0.50
Overhead to Avg. Assets (median %) 2.68 2.81 2.68 2.71 2.68
           
Liquidity / Sensitivity Q1-08 Q4-07 Q1-07 2007 2006
Loans to Assets (median %) 63.2 65.4 64.0 65.4 64.3
Noncore Funding to Assets (median %) 20.3 20.1 18.7 20.1 19.9
Long-term Assets to Assets (median %, call filers) 16.7 15.1 13.2 15.1 12.6
Brokered Deposits (number of institutions) 246 247 251 247 260
  Brokered Deposits to Assets (median % for those above) 4.3 4.2 4.5 4.2 4.9
           
Loan Concentrations (median % of Tier 1 Capital) Q1-08 Q4-07 Q1-07 2007 2006
Commercial and Industrial 70.8 67.9 65.2 67.9 65.1
Commercial Real Estate 170.3 174.6 166.9 174.6 162.0
  Construction & Development 31.1 31.2 28.5 31.2 28.6
  Multifamily Residential Real Estate 9.0 8.3 8.6 8.3 7.9
  Nonresidential Real Estate 107.8 107.8 103.7 107.8 104.5
Residential Real Estate 171.5 170.9 167.2 170.9 172.2
Consumer 28.6 30.1 30.0 30.1 30.8
Agriculture 46.9 52.5 48.0 52.5 46.7
           
BANKING PROFILE
Largest Deposit Markets (from 2007 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Chicago-Naperville-Joliet, IL-IN-WI 305 268,873   < $250 million 496 (74.4% )
St. Louis, MO-IL 140 51,485   $250 million to $1 billion 131 (19.6% )
Bloomington-Normal, IL 30 12,026   $1 billion to $10 billion 36 (5.4% )
Davenport-Moline-Rock Island, IA-IL 45 6,186   > $10 billion 4 (0.6% )
Rockford, IL 25 5,793  
           
 
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