Economic Indicators ¹
Note: Seasonally adjusted employment data are not available for metropolitan areas; therefore, we have chosen to consistently use non-seasonally adjusted data for all geographies (e.g. state and metropolitan areas). However, to limit the effects of seasonal variations, our standard convention is to report these data on a year-over-year basis.

Manufacturing - The percent change in manufacturing employment from one year ago (non-seasonally adjusted).
Source: Bureau of Labor Statistics

Other (non-Manufacturing) Goods-Producing - The percent change in non-manufacturing employment, typically mining and construction employment, from one year ago (non-seasonally adjusted).
Source: Bureau of Labor Statistics

Private Service-Producing - The percent change in non-governmental service employment from one year ago (non-seasonally adjusted).
Source: Bureau of Labor Statistics

Government - The percent change in governmental employment from one year ago (non-seasonally adjusted).
Source: Bureau of Labor Statistics

Unemployment Rate - The number of unemployed divided by the civilian labor force (seasonally adjusted).
Source: Bureau of Labor Statistics Regional Household Employment Survey.

Single-Family Home Permits - The percent change from one year ago in new privately-owned single-family housing units authorized (annual rate, non-seasonally adjusted).
Source: Bureau of the Census

Multifamily Building Permits - The percent change from one year ago in new privately-owned multifamily building permits authorized (annual rate, non-seasonally adjusted).
Source: Bureau of the Census

Home Price Index - The percent change from one year-ago in the home price index (1980 Q1=100).
Source: Office of Federal Housing Enterprise Oversight. Annual figures represent the average change for the four quarters.

Non-business Bankruptcy Filings per 1000 Persons - Annualized quarterly bankruptcy filings per 1000 people.
Source: Administrative Office of the U.S. Courts

Banking Trends
Banking trend ratios are median (midpoint) values, which are more representative of institutions that operate within specific geographic areas. Where the performance of large and small institutions diverges, median values may differ significantly from weighted averages. Weighted average performance and condition ratios for institutions in individual states are presented in the FDIC Quarterly Banking Profile State Tables, at:
http://www2.fdic.gov/qbp/qbpSelect.asp?menuItem=STBL..

Additionally, banking trend indicators are end of period data with the exception of net loans losses to total loans and all earnings indicators. For these, quarterly annualized and full year calculations are shown in the first three and last two columns, respectively.

Institutions (#) – The number of FDIC-insured institutions headquartered in the state as of the end of the listed period.
Source: FDIC Research Information System

Total Assets (in millions) - The total reported assets for institutions headquartered in the state as of the end of the listed period.
Source: FDIC Research Information System

New Institutions (# < 3 years old) – The number of new FDIC-insured institutions headquartered in the state as of the end of the listed period. New institutions are insured institutions that were established within the past three years.
Source: FDIC Research Information System

Subchapter S Institutions -– The number of FDIC-insured Subchapter S Corporations headquartered in the state as of the end of the listed period. A Subchapter S corporation is treated as a pass-through entity, similar to a partnership, for federal income tax purposes. It is generally not subject to any federal income taxes at the corporate level. Its taxable income flows through to its shareholders in proportion to their stock ownership, and the shareholders generally pay federal income taxes on their share of this taxable income. This can have the effect of reducing institutions’ reported taxes and increasing their after-tax earnings. The election of Subchapter S status may result in an increase in shareholders’ personal tax liability. Therefore, some S corporations may increase the amount of earnings distributed as dividends to compensate for higher personal taxes.
Source: FDIC Research Information System

Past-Due and Nonaccrual Loans / Total Loans - The median ratio of the sum of loans and leases that are 30 days or more past-due or in nonaccrual status divided by total loans for FDIC-insured institutions headquartered in the state, as of the end of the listed period.
Source: FDIC Research Information System

ALLL / Total Loans - The median ratio of the allowance for loan and lease losses on a consolidated basis divided by total loans for FDIC-insured institutions headquartered in the state, as of the end of the listed period.
Source: FDIC Research Information System

ALLL / Noncurrent Loans - The median ratio of the allowance for loan and lease losses on a consolidated basis divided by loans and leases 90 days or more past due and loans and leases in nonaccrual status for FDIC-insured institutions headquartered in the state, as of the end of the listed period.
Source: FDIC Research Information System

Net Loan Losses / Total Loans - The median ratio of net loan losses for the trailing four quarters divided by average total loans for the past four quarters for FDIC-insured institutions headquartered in the state. Net loans losses are total loans and leases charged-off (removed from the balance sheet because of uncollectibility), less amounts recovered on loans and leases previously charged off.
Source: The FDIC Research Information System

Core Capital (Leverage) Ratio - The median reported Tier 1 capital ratio for FDIC-insured institutions headquartered in the state as of the end of the listed period. Tier 1 capital is the sum of common stockholders' equity, noncumulative perpetual preferred stock (including any related surplus), and minority interests in consolidated subsidiaries, minus ineligible intangible assets. The Core Capital (Leverage) ratio is Tier 1 Capital divided by adjusted average assets, as calculated in accordance with the FDIC's Statement of Policy on Risk-Based Capital (appendix A to subpart A of Part 325 of the FDIC’s Rules and Regulations).
Source: The FDIC Research Information System

Return on Assets - The median ratio of net income (including gains or losses on securities and extraordinary items) as a percentage of average total assets for all FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Pretax Return on Assets - The median ratio of pre-tax net income as a percent of average total assets for FDIC-insured institutions headquartered in the state. This measure is often useful since Subchapter S institutions will have significantly different return on asset figures than other insured institutions.
Source: The FDIC Research Information System

Net Interest Margin - The median trailing ratio for FDIC-insured institutions headquartered in the state. The net interest margin is the difference between interest and dividends earned on interest-bearing assets and interest paid to depositors and other creditors, expressed as a percentage of average earning assets.
Source: The FDIC Research Information System

Yield on Earning Assets - The median ratio for FDIC-insured institutions headquartered in the state of interest, dividend and fee income earned on loans and investments as a percentage of average earning assets.
Source: The FDIC Research Information System

Cost of Funding Earning Assets - The median ratio for FDIC-insured institutions headquartered in the state of interest expense paid, primarily on deposits and other borrowed money, as a percentage of average earning assets.
Source: The FDIC Research Information System

Provisions to Average Assets - The median ratio for FDIC-insured institutions headquartered in the state of expenses recognized to increase the Allowance for Loan and Lease Losses divided by average assets.
Source: The FDIC's Research Information System

Noninterest Income to Average Assets - The median ratio for FDIC-insured institutions headquartered in the state of noninterest income as a percentage of average assets.
Source: The FDIC Research Information System

Overhead to Average Assets - The median ratio for FDIC-insured institutions headquartered in the state of noninterest expense as a percentage of average assets.
Source: The FDIC Research Information System

Loans to Assets - The median ratio for FDIC-insured institutions headquartered in the state of total loans as a percentage of total assets, as of the end of the listed period.
Source: The FDIC Research Information System

Noncore Funding to Assets - The median ratio for FDIC-insured institutions headquartered in the state of the sum of foreign deposits, large time deposits, brokered deposits, and other borrowings as a percentage of assets, as of the end of the listed period.
Source: The FDIC Research Information System

Long-term Assets to Assets - The median ratio for FDIC-insured institutions headquartered in the state of assets that mature or reprice in over five years plus collateralized mortgage obligations with an expected life greater than three years as a percentage of total assets, as of the end of the listed period. Reported for Call Report filers only; this item is not available for institutions that file thrift financial reports.
Source: The FDIC Research Information System

Brokered Deposits (# of Institutions) - The number of FDIC-insured institutions headquartered in the state reporting brokered deposit liabilities, as of the end of the listed period.
Source: The FDIC Research Information System

Brokered Deposits to Assets - For FDIC-insured institutions headquartered in the state that have brokered deposit liabilities, the median ratio of brokered deposits to total assets as of the end of the listed period.
Source: The FDIC Research Information System

Commercial and Industrial Loan Concentration - For FDIC-insured institutions headquartered in the state, the median ratio of commercial and industrial lending divided by Tier 1 capital as of the end of the listed period.
Source: The FDIC Research Information System

Commercial Real Estate Loan Concentration - The median ratio of commercial real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Commercial real estate lending includes construction and development, multifamily, and nonresidential real estate lending.
Source: The FDIC Research Information System

Construction and Development Loan Concentration - The median ratio of construction and development loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Multifamily Residential Real Estate Concentration - The median ratio of multifamily residential real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Nonresidential Real Estate Concentration - The median ratio of nonresidential real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Residential Real Estate Concentration - The median ratio of one-to-four family residential real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Consumer Loan Concentration - The median ratio of consumer loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Agricultural Loan Concentration - The median ratio of agricultural production and agricultural real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state.
Source: The FDIC Research Information System

Banking Profile
Largest Deposit Markets - A listing of the largest deposit markets in the state, with totals for the number of FDIC-insured institutions (not holding companies) reporting offices in that market and their reported deposits. Markets include metropolitan areas as defined by the Bureau of Census. Entire deposit markets are shown, even for those that overlap state boundaries.
Source: Information from the FDIC Summary of Deposits survey.
(http://www2.fdic.gov/sod/index.asp)

Asset Distribution - A distribution of FDIC-insured institutions in the state according to reported assets as of the most recent available call and thrift reports.
Source: FDIC Research and Information System