HOME DEPOSIT INSURANCE CONSUMER PROTECTION INDUSTRY ANALYSIS REGULATIONS & EXAMINATIONS ASSET SALES NEWS & EVENTS ABOUT FDIC

Home > Industry Analysis > Research & Analysis > FDIC State Profiles

FDIC State Profiles
 

Ohio - Fourth Quarter 2007
ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q4-07 Q3-07 Q4-06 2006 2005
Total Nonfarm (share of trailing four quarter employment in parentheses) -0.2% -0.2% -0.2% 0.2% 0.3%
  Manufacturing (14%) -2.4% -3.2% -2.5% -1.9% -1.3%
  Other (non-manufacturing) Goods-Producing (4%) -0.7% -1.5% -2.9% -1.2% -0.8%
  Private Service-Producing (67%) 0.4% 0.6% 0.4% 0.8% 0.9%
  Government (15%) -0.1% -0.2% 0.0% 0.1% -0.3%
Unemployment Rate (% of labor force) 5.7% 5.7% 5.4% 5.4% 5.9%
           
Other Indicators Q4-07 Q3-07 Q4-06 2006 2005
Single-Family Home Permits -26.8% -24.2% -33.4% -23.1% 10.2%
Multifamily Building Permits 40.8% -8.0% -50.0% -29.8% 5.1%
Home Price Index -0.4% 0.0% 0.9% 1.3% 3.9%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 4.24 4.44 3.51 3.00 11.64
           
BANKING TRENDS
General Information Q4-07 Q3-07 Q4-06 2006 2005
Institutions (#) 265 269 276 276 278
Total Assets (in millions) 2,008,919 1,922,920 1,874,719 1,874,719 1,633,906
New Institutions (# < 3 years) 10 10 8 8 5
Subchapter S Institutions 26 26 24 24 23
           
Asset Quality Q4-07 Q3-07 Q4-06 2006 2005
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.43 2.22 2.02 2.02 1.74
ALLL/Total Loans (median %) 1.00 0.99 0.98 0.98 1.00
ALLL/Noncurrent Loans (median multiple) 0.82 0.89 1.04 1.04 1.16
Net Loan Losses / Total Loans (median %) 0.12 0.07 0.09 0.08 0.11
           
Capital / Earnings Q4-07 Q3-07 Q4-06 2006 2005
Tier 1 Leverage (median %) 9.96 9.94 9.82 9.82 9.54
Return on Assets (median %) 0.61 0.67 0.78 0.78 0.87
Pretax Return on Assets (median %) 0.81 0.91 0.98 1.06 1.23
Net Interest Margin (median %) 3.59 3.62 3.63 3.68 3.84
Yield on Earning Assets (median %) 6.79 6.86 6.64 6.45 5.93
Cost of Funding Earning Assets (median %) 3.24 3.24 3.03 2.77 2.10
Provisions to Avg. Assets (median %) 0.12 0.08 0.09 0.08 0.11
Noninterest Income to Avg. Assets (median %) 0.50 0.53 0.52 0.51 0.53
Overhead to Avg. Assets (median %) 2.87 2.84 2.78 2.83 2.84
           
Liquidity / Sensitivity Q4-07 Q3-07 Q4-06 2006 2005
Loans to Assets (median %) 72.1 71.8 72.3 72.3 72.0
Noncore Funding to Assets (median %) 20.5 19.7 19.5 19.5 20.8
Long-term Assets to Assets (median %, call filers) 24.0 23.7 23.5 23.5 23.8
Brokered Deposits (number of institutions) 76 78 79 79 68
  Brokered Deposits to Assets (median % for those above) 3.0 3.5 4.2 4.2 4.0
           
Loan Concentrations (median % of Tier 1 Capital) Q4-07 Q3-07 Q4-06 2006 2005
Commercial and Industrial 44.7 41.7 41.8 41.8 42.3
Commercial Real Estate 174.0 168.4 154.7 154.7 159.8
  Construction & Development 21.1 19.6 20.7 20.7 20.5
  Multifamily Residential Real Estate 10.1 8.9 8.6 8.6 7.7
  Nonresidential Real Estate 120.7 113.3 106.3 106.3 103.9
Residential Real Estate 306.6 305.3 311.8 311.8 323.1
Consumer 30.7 31.1 34.5 34.5 34.6
Agriculture 12.2 12.3 11.4 11.4 11.1
           
BANKING PROFILE
Largest Deposit Markets (from 2007 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Cleveland-Elyria-Mentor, OH 42 60,466   < $250 million 189 (71.3% )
Cincinnati-Middletown, OH-KY-IN 87 42,703   $250 million to $1 billion 51 (19.2% )
Columbus, OH 61 30,655   $1 billion to $10 billion 16 (6% )
Akron, OH 28 10,821   > $10 billion 9 (3.4% )
Dayton, OH 34 10,387  
           
 

Home    Contact Us    Search    Help    SiteMap    Forms
Freedom of Information Act (FOIA) Service Center    Website Policies    USA.gov
FDIC Office of Inspector General