Ohio at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-4.2%
|
-2.2%
|
-0.3%
|
-1.1%
|
-0.1%
|
|
Manufacturing (13%)
|
-13.0%
|
-5.8%
|
-3.1%
|
-4.1%
|
-3.1%
|
|
Other (non-manufacturing) Goods-Producing (4%)
|
-13.4%
|
-10.0%
|
-3.5%
|
-6.2%
|
-2.0%
|
|
Private Service-Producing (68%)
|
-2.4%
|
-1.4%
|
0.5%
|
-0.4%
|
0.7%
|
|
Government (15%)
|
-1.3%
|
-0.1%
|
0.0%
|
-0.1%
|
-0.4%
|
|
Unemployment Rate (% of labor force)
|
9.3%
|
7.1%
|
5.9%
|
6.5%
|
5.6%
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|
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|
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Other Indicators
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-42.4%
|
-40.4%
|
-39.7%
|
-36.6%
|
-26.3%
|
|
Multifamily Building Permits
|
-41.9%
|
-21.8%
|
-53.1%
|
-24.6%
|
-6.0%
|
|
Home Price Index
|
-0.7%
|
-1.2%
|
0.4%
|
-0.7%
|
0.1%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.36
|
5.47
|
4.44
|
4.94
|
4.30
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BANKING TRENDS
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|
General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
251
|
252
|
265
|
252
|
265
|
|
Total Assets (in millions)
|
2,417,394
|
2,488,478
|
2,124,546
|
2,488,478
|
2,008,865
|
|
New Institutions (# < 3 years)
|
7
|
7
|
9
|
7
|
10
|
|
Subchapter S Institutions
|
26
|
25
|
26
|
25
|
26
|
| |
|
|
|
|
|
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Asset Quality
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.02
|
2.80
|
2.55
|
2.80
|
2.49
|
|
ALLL/Total Loans (median %)
|
1.09
|
1.03
|
1.00
|
1.03
|
1.01
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.67
|
0.72
|
0.64
|
0.72
|
0.82
|
|
Net Loan Losses / Total Loans (median %)
|
0.13
|
0.22
|
0.07
|
0.21
|
0.13
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|
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.72
|
9.69
|
10.03
|
9.69
|
9.99
|
|
Return on Assets (median %)
|
0.58
|
0.43
|
0.60
|
0.53
|
0.64
|
|
Pretax Return on Assets (median %)
|
0.72
|
0.52
|
0.81
|
0.67
|
0.84
|
|
Net Interest Margin (median %)
|
3.53
|
3.61
|
3.52
|
3.53
|
3.59
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|
Yield on Earning Assets (median %)
|
5.68
|
6.00
|
6.39
|
6.14
|
6.72
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|
Cost of Funding Earning Assets (median %)
|
2.20
|
2.47
|
3.00
|
2.67
|
3.18
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Provisions to Avg. Assets (median %)
|
0.19
|
0.30
|
0.11
|
0.22
|
0.10
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Noninterest Income to Avg. Assets (median %)
|
0.47
|
0.43
|
0.51
|
0.46
|
0.50
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|
Overhead to Avg. Assets (median %)
|
2.86
|
2.91
|
2.78
|
2.89
|
2.83
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Liquidity / Sensitivity
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Loans to Assets (median %)
|
71.3
|
74.0
|
71.7
|
74.0
|
72.1
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Noncore Funding to Assets (median %)
|
22.3
|
22.2
|
20.4
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22.2
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20.5
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Long-term Assets to Assets (median %, call filers)
|
28.1
|
28.1
|
26.8
|
28.1
|
24.0
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Brokered Deposits (number of institutions)
|
89
|
88
|
74
|
88
|
76
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|
Brokered Deposits to Assets (median % for those above)
|
4.6
|
5.1
|
3.4
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5.1
|
3.0
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Loan Concentrations (median % of Tier 1 Capital)
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Commercial and Industrial
|
43.8
|
45.4
|
46.2
|
45.4
|
44.7
|
|
Commercial Real Estate
|
194.5
|
194.7
|
180.1
|
194.7
|
177.7
|
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Construction & Development
|
18.9
|
19.1
|
20.0
|
19.1
|
21.1
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Multifamily Residential Real Estate
|
13.6
|
12.4
|
10.4
|
12.4
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10.1
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Nonresidential Real Estate
|
131.7
|
127.7
|
123.1
|
127.7
|
120.9
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Residential Real Estate
|
315.6
|
318.2
|
307.2
|
318.2
|
306.6
|
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Consumer
|
24.9
|
27.4
|
28.7
|
27.4
|
30.7
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Agriculture
|
11.7
|
12.6
|
12.6
|
12.6
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12.2
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BANKING PROFILE
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