Illinois at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
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Q1-09
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Q4-08
|
Q1-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-3.5%
|
-1.7%
|
0.3%
|
-0.5%
|
0.8%
|
|
Manufacturing (11%)
|
-7.6%
|
-3.3%
|
-1.7%
|
-2.3%
|
-1.2%
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|
Other (non-manufacturing) Goods-Producing (4%)
|
-11.5%
|
-7.8%
|
-3.0%
|
-4.8%
|
-1.4%
|
|
Private Service-Producing (70%)
|
-3.1%
|
-1.5%
|
0.8%
|
-0.2%
|
1.4%
|
|
Government (15%)
|
0.0%
|
0.5%
|
0.8%
|
0.7%
|
0.5%
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|
Unemployment Rate (% of labor force)
|
8.5%
|
7.0%
|
5.9%
|
6.5%
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5.1%
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|
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Other Indicators
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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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|
Single-Family Home Permits
|
-47.0%
|
-53.5%
|
-52.3%
|
-49.4%
|
-35.7%
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|
Multifamily Building Permits
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-74.9%
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-59.3%
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-56.9%
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-46.6%
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-10.5%
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|
Home Price Index
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-2.9%
|
-2.9%
|
0.2%
|
-1.6%
|
2.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.25
|
4.34
|
3.81
|
4.23
|
3.15
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BANKING TRENDS
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General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
651
|
655
|
667
|
655
|
670
|
|
Total Assets (in millions)
|
345,735
|
366,860
|
395,338
|
366,860
|
395,561
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New Institutions (# < 3 years)
|
14
|
16
|
23
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16
|
25
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|
Subchapter S Institutions
|
237
|
234
|
235
|
234
|
229
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|
|
|
|
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Asset Quality
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Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.28
|
3.04
|
2.47
|
3.04
|
2.28
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|
ALLL/Total Loans (median %)
|
1.16
|
1.11
|
1.04
|
1.11
|
1.01
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ALLL/Noncurrent Loans (median multiple)
|
0.61
|
0.72
|
0.88
|
0.72
|
1.01
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|
Net Loan Losses / Total Loans (median %)
|
0.05
|
0.21
|
0.01
|
0.18
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0.07
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.18
|
9.24
|
9.50
|
9.24
|
9.62
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Return on Assets (median %)
|
0.70
|
0.43
|
0.81
|
0.62
|
0.83
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Pretax Return on Assets (median %)
|
0.84
|
0.50
|
0.99
|
0.73
|
1.00
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Net Interest Margin (median %)
|
3.42
|
3.50
|
3.40
|
3.49
|
3.50
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Yield on Earning Assets (median %)
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5.53
|
5.78
|
6.35
|
6.04
|
6.61
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Cost of Funding Earning Assets (median %)
|
2.08
|
2.31
|
2.95
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2.58
|
3.15
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Provisions to Avg. Assets (median %)
|
0.15
|
0.31
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0.07
|
0.19
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0.08
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Noninterest Income to Avg. Assets (median %)
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0.46
|
0.48
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0.49
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0.50
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0.49
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Overhead to Avg. Assets (median %)
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2.64
|
2.77
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2.68
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2.72
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2.71
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Liquidity / Sensitivity
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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Loans to Assets (median %)
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64.8
|
66.4
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63.2
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66.4
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65.4
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Noncore Funding to Assets (median %)
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21.6
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22.0
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20.4
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22.0
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20.1
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Long-term Assets to Assets (median %, call filers)
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18.2
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18.0
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16.7
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18.0
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15.1
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Brokered Deposits (number of institutions)
|
268
|
270
|
246
|
270
|
248
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Brokered Deposits to Assets (median % for those above)
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6.4
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6.1
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4.2
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6.1
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4.1
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Loan Concentrations (median % of Tier 1 Capital)
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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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Commercial and Industrial
|
68.7
|
70.7
|
70.8
|
70.7
|
67.9
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Commercial Real Estate
|
188.9
|
189.7
|
171.1
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189.7
|
177.5
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Construction & Development
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31.1
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31.5
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31.3
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31.5
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31.2
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Multifamily Residential Real Estate
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10.5
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10.4
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9.0
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10.4
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8.3
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Nonresidential Real Estate
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117.6
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118.9
|
107.5
|
118.9
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107.8
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Residential Real Estate
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192.1
|
193.9
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171.5
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193.9
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170.9
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Consumer
|
26.2
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27.8
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28.6
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27.8
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30.1
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Agriculture
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49.8
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56.1
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47.1
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56.1
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52.5
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BANKING PROFILE
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