Kansas - 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)
|
1.2%
|
1.4%
|
1.7%
|
1.9%
|
1.6%
|
|
Manufacturing (13%)
|
1.6%
|
1.4%
|
1.7%
|
1.5%
|
1.4%
|
|
Other (non-manufacturing) Goods-Producing (5%)
|
1.6%
|
2.7%
|
1.2%
|
2.0%
|
3.8%
|
|
Private Service-Producing (62%)
|
1.1%
|
1.6%
|
2.0%
|
2.1%
|
1.4%
|
|
Government (19%)
|
1.5%
|
0.6%
|
0.9%
|
1.2%
|
1.5%
|
|
Unemployment Rate (% of labor force)
|
3.9%
|
4.1%
|
4.1%
|
4.1%
|
4.3%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Single-Family Home Permits
|
-41.4%
|
-10.1%
|
-27.0%
|
-20.9%
|
-17.6%
|
|
Multifamily Building Permits
|
113.9%
|
-14.6%
|
-23.7%
|
-26.9%
|
30.8%
|
|
Home Price Index
|
2.7%
|
2.7%
|
4.2%
|
3.8%
|
3.8%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.58
|
2.78
|
2.57
|
2.81
|
2.25
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Institutions (#)
|
356
|
357
|
359
|
357
|
362
|
|
Total Assets (in millions)
|
63,841
|
62,604
|
59,898
|
62,604
|
59,223
|
|
New Institutions (# < 3 years)
|
5
|
5
|
4
|
5
|
3
|
|
Subchapter S Institutions
|
174
|
170
|
174
|
170
|
171
|
| |
|
|
|
|
|
|
Asset Quality
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
1.87
|
1.62
|
1.62
|
1.62
|
1.24
|
|
ALLL/Total Loans (median %)
|
1.24
|
1.22
|
1.30
|
1.22
|
1.29
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.44
|
1.57
|
2.09
|
1.57
|
2.43
|
|
Net Loan Losses / Total Loans (median %)
|
0.00
|
0.02
|
0.00
|
0.06
|
0.04
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Tier 1 Leverage (median %)
|
9.50
|
9.64
|
9.79
|
9.64
|
9.80
|
|
Return on Assets (median %)
|
1.07
|
0.86
|
1.04
|
1.01
|
1.04
|
|
Pretax Return on Assets (median %)
|
1.30
|
1.05
|
1.26
|
1.24
|
1.29
|
|
Net Interest Margin (median %)
|
4.01
|
4.11
|
4.02
|
4.07
|
4.11
|
|
Yield on Earning Assets (median %)
|
6.68
|
7.04
|
6.86
|
7.00
|
6.65
|
|
Cost of Funding Earning Assets (median %)
|
2.78
|
2.99
|
2.89
|
2.99
|
2.59
|
|
Provisions to Avg. Assets (median %)
|
0.01
|
0.01
|
0.00
|
0.05
|
0.04
|
|
Noninterest Income to Avg. Assets (median %)
|
0.55
|
0.56
|
0.55
|
0.59
|
0.60
|
|
Overhead to Avg. Assets (median %)
|
2.94
|
3.20
|
3.03
|
3.02
|
3.10
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Loans to Assets (median %)
|
61.5
|
63.1
|
62.1
|
63.1
|
62.7
|
|
Noncore Funding to Assets (median %)
|
20.6
|
20.9
|
19.0
|
20.9
|
20.1
|
|
Long-term Assets to Assets (median %, call filers)
|
14.3
|
12.0
|
9.9
|
12.0
|
9.7
|
|
Brokered Deposits (number of institutions)
|
87
|
89
|
85
|
89
|
90
|
|
Brokered Deposits to Assets (median % for those above)
|
4.5
|
4.9
|
4.0
|
4.9
|
3.4
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Commercial and Industrial
|
97.2
|
93.7
|
89.9
|
93.7
|
89.7
|
|
Commercial Real Estate
|
103.7
|
96.9
|
94.6
|
96.9
|
95.1
|
|
Construction & Development
|
20.5
|
17.2
|
16.6
|
17.2
|
17.5
|
|
Multifamily Residential Real Estate
|
0.7
|
0.6
|
0.3
|
0.6
|
0.3
|
|
Nonresidential Real Estate
|
74.3
|
69.9
|
70.2
|
69.9
|
68.6
|
|
Residential Real Estate
|
114.5
|
113.7
|
107.9
|
113.7
|
116.1
|
|
Consumer
|
35.6
|
35.6
|
36.3
|
35.6
|
36.8
|
|
Agriculture
|
141.1
|
145.7
|
144.5
|
145.7
|
144.4
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
