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FDIC State Profiles
 

Arkansas at a Glance
ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q2-09 Q1-09 Q2-08 2008 2007
Total Nonfarm (share of trailing four quarter employment in parentheses) -2.3% -2.1% 0.1% 0.0% 0.5%
  Manufacturing (15%) -10.5% -8.5% -3.3% -3.5% -4.8%
  Other (non-manufacturing) Goods-Producing (6%) -2.4% 1.0% 0.7% 1.8% 2.0%
  Private Service-Producing (62%) -1.5% -1.9% 0.4% 0.2% 1.5%
  Government (18%) 2.1% 1.9% 1.7% 1.7% 1.5%
Unemployment Rate (% of labor force) 6.9% 6.4% 4.9% 5.1% 5.1%
           
Other Indicators Q2-09 Q1-09 Q2-08 2008 2007
Single-Family Home Permits -31.3% -36.8% -24.3% -32.6% -27.1%
Multifamily Building Permits -21.6% -21.0% 95.4% 12.7% 3.7%
Home Price Index -0.6% 0.6% 0.8% 0.6% 3.8%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 5.42 4.80 4.48 4.73 4.05
           
BANKING TRENDS
General Information Q2-09 Q1-09 Q2-08 2008 2007
Institutions (#) 136 141 147 143 150
Total Assets (in millions) 53,868 54,027 51,916 52,942 51,657
New Institutions (# < 3 years) 0 0 1 0 2
Subchapter S Institutions 36 36 36 36 35
           
Asset Quality Q2-09 Q1-09 Q2-08 2008 2007
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.89 2.99 2.38 2.82 2.58
Noncurrent Loans / Total Loans (median %) 1.51 1.21 1.07 1.13 0.93
ALLL/Total Loans (median %) 1.37 1.41 1.27 1.34 1.32
ALLL/Noncurrent Loans (median multiple) 0.90 1.13 1.25 1.11 1.44
Net Loan Losses / Total Loans (median %) 0.27 0.14 0.14 0.33 0.17
           
Capital / Earnings Q2-09 Q1-09 Q2-08 2008 2007
Tier 1 Leverage (median %) 9.88 9.79 9.54 9.65 9.62
Return on Assets (median %) 0.88 0.94 1.02 0.94 0.94
Pretax Return on Assets (median %) 1.13 1.18 1.31 1.25 1.25
Net Interest Margin (median %) 3.91 3.81 3.95 3.99 3.95
Yield on Earning Assets (median %) 5.70 5.78 6.54 6.56 7.35
Cost of Funding Earning Assets (median %) 1.82 1.99 2.61 2.57 3.31
Provisions to Avg. Assets (median %) 0.26 0.22 0.17 0.24 0.15
Noninterest Income to Avg. Assets (median %) 0.72 0.68 0.72 0.74 0.78
Overhead to Avg. Assets (median %) 2.96 2.85 2.76 2.81 2.79
           
Liquidity / Sensitivity Q2-09 Q1-09 Q2-08 2008 2007
Net Loans to Assets (median %) 65.7 64.1 64.6 65.4 64.7
Noncore Funding to Assets (median %) 29.2 28.7 28.8 28.8 28.4
Long-term Assets to Assets (median %, call filers) 16.8 16.4 17.1 16.8 14.3
Brokered Deposits (number of institutions) 72 74 70 74 72
  Brokered Deposits to Assets (median % for those above) 4.0 4.0 3.9 4.3 5.7
           
Loan Concentrations (median % of Total Risk-Based Capital) Q2-09 Q1-09 Q2-08 2008 2007
Commercial and Industrial 69.5 68.1 81.4 69.9 76.6
Commercial Real Estate 199.9 203.8 221.2 212.1 227.7
  Construction & Development 52.6 59.0 67.3 63.2 70.1
  Multifamily Residential Real Estate 9.2 7.1 7.0 7.1 5.5
  Nonresidential Real Estate 133.2 129.9 130.2 135.2 132.6
Residential Real Estate 146.0 143.8 135.8 142.9 134.2
Consumer 39.2 39.6 40.2 40.0 42.6
Agriculture 48.2 43.4 42.3 44.6 39.3
           
BANKING PROFILE
Largest Deposit Markets (from 2008 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Memphis, TN-MS-AR 58 21,391   < $100 million 39 (28.7% )
Little Rock-North Little Rock, AR 41 12,107   $100 million to $250 million 55 (40.4% )
Fayetteville-Springdale-Rogers, AR-MO 35 7,226   $250 million to $1 billion 32 (23.5% )
Fort Smith, AR-OK 23 4,036   $1 billion to $10 billion 9 (6.6% )
Jonesboro, AR 20 2,214   > $10 billion 1 (0.7% )
           
 
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