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FDIC State Profiles
 

Ohio - 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) 0.0% -0.2% -0.3% -0.2% 0.2%
  Manufacturing (14%) -2.0% -2.4% -2.8% -3.0% -1.9%
  Other (non-manufacturing) Goods-Producing (4%) 0.1% -0.7% -3.7% -1.9% -1.2%
  Private Service-Producing (67%) 0.4% 0.4% 0.5% 0.5% 0.8%
  Government (15%) -0.2% -0.1% -0.3% -0.3% 0.1%
Unemployment Rate (% of labor force) 5.5% 5.7% 5.5% 5.6% 5.4%
           
Other Indicators Q1-08 Q4-07 Q1-07 2007 2006
Single-Family Home Permits -39.7% -26.8% -32.7% -26.3% -23.1%
Multifamily Building Permits -53.1% 40.8% -13.5% -6.0% -29.8%
Home Price Index 0.6% -0.1% 0.6% 0.4% 1.1%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 4.45 4.24 3.87 4.31 3.01
           
BANKING TRENDS
General Information Q1-08 Q4-07 Q1-07 2007 2006
Institutions (#) 265 265 275 265 276
Total Assets (in millions) 2,124,547 2,008,865 1,920,263 2,008,865 1,874,719
New Institutions (# < 3 years) 9 10 8 10 8
Subchapter S Institutions 26 26 26 26 24
           
Asset Quality Q1-08 Q4-07 Q1-07 2007 2006
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.55 2.49 1.93 2.49 2.02
ALLL/Total Loans (median %) 1.00 1.01 0.98 1.01 0.98
ALLL/Noncurrent Loans (median multiple) 0.64 0.82 1.00 0.82 1.04
Net Loan Losses / Total Loans (median %) 0.07 0.12 0.05 0.13 0.08
           
Capital / Earnings Q1-08 Q4-07 Q1-07 2007 2006
Tier 1 Leverage (median %) 10.03 9.99 9.78 9.99 9.82
Return on Assets (median %) 0.60 0.61 0.66 0.64 0.78
Pretax Return on Assets (median %) 0.81 0.82 0.91 0.85 1.06
Net Interest Margin (median %) 3.52 3.59 3.57 3.59 3.68
Yield on Earning Assets (median %) 6.38 6.73 6.67 6.72 6.45
Cost of Funding Earning Assets (median %) 3.00 3.24 3.09 3.18 2.77
Provisions to Avg. Assets (median %) 0.10 0.12 0.07 0.10 0.08
Noninterest Income to Avg. Assets (median %) 0.51 0.50 0.51 0.50 0.51
Overhead to Avg. Assets (median %) 2.78 2.87 2.85 2.83 2.83
           
Liquidity / Sensitivity Q1-08 Q4-07 Q1-07 2007 2006
Loans to Assets (median %) 71.6 72.1 71.5 72.1 72.3
Noncore Funding to Assets (median %) 20.2 20.5 18.3 20.5 19.5
Long-term Assets to Assets (median %, call filers) 26.8 24.0 23.3 24.0 23.5
Brokered Deposits (number of institutions) 74 76 82 76 79
  Brokered Deposits to Assets (median % for those above) 3.4 3.0 4.0 3.0 4.2
           
Loan Concentrations (median % of Tier 1 Capital) Q1-08 Q4-07 Q1-07 2007 2006
Commercial and Industrial 46.2 44.7 45.1 44.7 41.8
Commercial Real Estate 177.7 174.0 160.3 174.0 154.7
  Construction & Development 20.0 21.1 18.9 21.1 20.7
  Multifamily Residential Real Estate 10.4 10.1 8.4 10.1 8.6
  Nonresidential Real Estate 123.1 120.9 108.5 120.9 106.3
Residential Real Estate 307.2 306.6 308.0 306.6 311.8
Consumer 28.8 30.7 32.6 30.7 34.5
Agriculture 12.6 12.2 11.1 12.2 11.4
           
BANKING PROFILE
Largest Deposit Markets (from 2007 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Cleveland-Elyria-Mentor, OH 42 60,466   < $250 million 189 (71.3% )
Cincinnati-Middletown, OH-KY-IN 87 42,703   $250 million to $1 billion 51 (19.2% )
Columbus, OH 61 30,655   $1 billion to $10 billion 16 (6% )
Akron, OH 28 10,821   > $10 billion 9 (3.4% )
Dayton, OH 34 10,387  
           
 
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