Ohio at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-4.9%
|
-4.2%
|
-0.8%
|
-1.1%
|
-0.1%
|
|
Manufacturing (13%)
|
-16.2%
|
-13.0%
|
-3.6%
|
-4.1%
|
-3.1%
|
|
Other (non-manufacturing) Goods-Producing (4%)
|
-13.8%
|
-13.4%
|
-5.4%
|
-6.2%
|
-2.0%
|
|
Private Service-Producing (68%)
|
-2.9%
|
-2.4%
|
0.0%
|
-0.4%
|
0.7%
|
|
Government (15%)
|
-1.1%
|
-1.3%
|
-0.2%
|
-0.1%
|
-0.4%
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|
Unemployment Rate (% of labor force)
|
10.7%
|
9.3%
|
6.3%
|
6.5%
|
5.6%
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|
|
|
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Other Indicators
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Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-43.6%
|
-42.4%
|
-33.9%
|
-36.6%
|
-26.3%
|
|
Multifamily Building Permits
|
-35.0%
|
-41.9%
|
-18.4%
|
-24.6%
|
-6.0%
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|
Home Price Index
|
-2.0%
|
-0.8%
|
-0.6%
|
-0.8%
|
0.0%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
6.41
|
5.36
|
5.25
|
4.94
|
4.30
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BANKING TRENDS
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|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
251
|
251
|
263
|
252
|
265
|
|
Total Assets (in millions)
|
2,385,091
|
2,417,390
|
2,098,753
|
2,488,478
|
2,008,865
|
|
New Institutions (# < 3 years)
|
5
|
7
|
9
|
7
|
10
|
|
Subchapter S Institutions
|
26
|
26
|
26
|
25
|
26
|
| |
|
|
|
|
|
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Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.05
|
3.02
|
2.41
|
2.80
|
2.49
|
|
Noncurrent Loans / Total Loans (median %)
|
1.73
|
1.48
|
1.15
|
1.32
|
0.99
|
|
ALLL/Total Loans (median %)
|
1.11
|
1.09
|
1.02
|
1.03
|
1.01
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|
ALLL/Noncurrent Loans (median multiple)
|
0.61
|
0.66
|
0.73
|
0.72
|
0.82
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|
Net Loan Losses / Total Loans (median %)
|
0.23
|
0.14
|
0.11
|
0.21
|
0.13
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Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.73
|
9.72
|
9.97
|
9.69
|
9.99
|
|
Return on Assets (median %)
|
0.46
|
0.58
|
0.60
|
0.53
|
0.64
|
|
Pretax Return on Assets (median %)
|
0.61
|
0.72
|
0.78
|
0.67
|
0.84
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|
Net Interest Margin (median %)
|
3.55
|
3.53
|
3.52
|
3.53
|
3.59
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Yield on Earning Assets (median %)
|
5.55
|
5.67
|
6.10
|
6.14
|
6.72
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Cost of Funding Earning Assets (median %)
|
2.04
|
2.20
|
2.70
|
2.67
|
3.18
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Provisions to Avg. Assets (median %)
|
0.20
|
0.19
|
0.13
|
0.22
|
0.10
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Noninterest Income to Avg. Assets (median %)
|
0.52
|
0.48
|
0.50
|
0.46
|
0.50
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Overhead to Avg. Assets (median %)
|
3.05
|
2.86
|
2.81
|
2.89
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2.83
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Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Net Loans to Assets (median %)
|
70.9
|
70.2
|
72.1
|
73.3
|
71.5
|
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Noncore Funding to Assets (median %)
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22.8
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22.5
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21.0
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22.2
|
20.5
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Long-term Assets to Assets (median %, call filers)
|
28.2
|
28.2
|
27.6
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28.1
|
24.0
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Brokered Deposits (number of institutions)
|
89
|
89
|
76
|
88
|
76
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|
Brokered Deposits to Assets (median % for those above)
|
4.0
|
4.6
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3.1
|
5.1
|
3.0
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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Commercial and Industrial
|
40.2
|
39.7
|
42.3
|
40.8
|
41.1
|
|
Commercial Real Estate
|
176.8
|
184.3
|
162.2
|
180.5
|
159.4
|
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Construction & Development
|
16.6
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17.4
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18.4
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18.3
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19.3
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Multifamily Residential Real Estate
|
11.8
|
12.1
|
9.6
|
10.9
|
9.3
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Nonresidential Real Estate
|
121.8
|
117.7
|
107.6
|
115.7
|
111.5
|
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Residential Real Estate
|
284.5
|
289.0
|
280.7
|
291.9
|
285.5
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Consumer
|
23.1
|
23.0
|
26.8
|
24.7
|
28.6
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Agriculture
|
10.6
|
10.2
|
11.0
|
10.6
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10.2
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BANKING PROFILE
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