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FDIC State Profiles
 

Arkansas - 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) 0.3% 0.5% 0.6% 0.4% 1.8%
  Manufacturing (16%) -3.9% -4.3% -4.5% -4.8% -1.2%
  Other (non-manufacturing) Goods-Producing (5%) 0.3% 1.4% 3.1% 2.0% 4.5%
  Private Service-Producing (61%) 1.1% 1.4% 1.6% 1.5% 2.3%
  Government (18%) 1.1% 1.5% 1.5% 1.3% 1.9%
Unemployment Rate (% of labor force) 5.2% 5.5% 5.3% 5.4% 5.3%
           
Other Indicators Q1-08 Q4-07 Q1-07 2007 2006
Single-Family Home Permits -38.8% -32.1% -25.1% -27.1% -12.8%
Multifamily Building Permits 2.2% 65.6% -18.6% 3.7% -39.1%
Home Price Index 2.1% 3.7% 5.3% 4.4% 7.0%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 4.61 4.09 3.76 4.04 3.31
           
BANKING TRENDS
General Information Q1-08 Q4-07 Q1-07 2007 2006
Institutions (#) 149 150 154 150 156
Total Assets (in millions) 53,133 51,658 49,687 51,658 48,497
New Institutions (# < 3 years) 1 2 2 2 2
Subchapter S Institutions 38 35 35 35 36
           
Asset Quality Q1-08 Q4-07 Q1-07 2007 2006
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.66 2.58 2.30 2.58 1.98
ALLL/Total Loans (median %) 1.38 1.32 1.29 1.32 1.33
ALLL/Noncurrent Loans (median multiple) 1.09 1.44 1.64 1.44 1.86
Net Loan Losses / Total Loans (median %) 0.07 0.17 0.05 0.17 0.13
           
Capital / Earnings Q1-08 Q4-07 Q1-07 2007 2006
Tier 1 Leverage (median %) 9.56 9.62 9.83 9.62 9.96
Return on Assets (median %) 1.03 0.87 0.96 0.94 0.98
Pretax Return on Assets (median %) 1.32 1.17 1.23 1.25 1.29
Net Interest Margin (median %) 3.84 3.90 3.84 3.95 3.93
Yield on Earning Assets (median %) 6.87 7.28 7.13 7.35 6.87
Cost of Funding Earning Assets (median %) 3.04 3.33 3.19 3.31 2.92
Provisions to Avg. Assets (median %) 0.12 0.16 0.07 0.15 0.10
Noninterest Income to Avg. Assets (median %) 0.75 0.78 0.79 0.78 0.77
Overhead to Avg. Assets (median %) 2.72 2.96 2.79 2.79 2.88
           
Liquidity / Sensitivity Q1-08 Q4-07 Q1-07 2007 2006
Loans to Assets (median %) 64.0 65.9 64.0 65.9 64.4
Noncore Funding to Assets (median %) 29.2 28.4 26.9 28.4 28.6
Long-term Assets to Assets (median %, call filers) 16.6 14.3 12.5 14.3 13.3
Brokered Deposits (number of institutions) 69 72 77 72 78
  Brokered Deposits to Assets (median % for those above) 5.4 5.7 5.3 5.7 5.4
           
Loan Concentrations (median % of Tier 1 Capital) Q1-08 Q4-07 Q1-07 2007 2006
Commercial and Industrial 85.6 84.1 81.8 84.1 81.8
Commercial Real Estate 236.2 225.1 230.8 225.1 214.8
  Construction & Development 71.7 74.7 72.6 74.7 70.4
  Multifamily Residential Real Estate 7.0 5.8 4.4 5.8 4.7
  Nonresidential Real Estate 133.9 143.8 137.8 143.8 124.6
Residential Real Estate 146.2 142.9 132.5 142.9 138.1
Consumer 44.8 45.8 48.2 45.8 47.0
Agriculture 42.9 42.8 42.8 42.8 44.1
           
BANKING PROFILE
Largest Deposit Markets (from 2007 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Memphis, TN-MS-AR 57 27,062   < $250 million 103 (69.1% )
Little Rock-North Little Rock, AR 40 11,386   $250 million to $1 billion 38 (25.5% )
Fayetteville-Springdale-Rogers, AR-MO 35 8,827   $1 billion to $10 billion 8 (5.4% )
Fort Smith, AR-OK 23 3,849   > $10 billion 0 (0% )
Jonesboro, AR 17 2,131  
           
 
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