Louisiana 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
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Q1-08
|
2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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0.6%
|
0.6%
|
1.6%
|
1.3%
|
3.4%
|
|
Manufacturing (8%)
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-4.2%
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-4.7%
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-0.9%
|
-3.0%
|
3.0%
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|
Other (non-manufacturing) Goods-Producing (10%)
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5.6%
|
4.8%
|
2.3%
|
3.2%
|
2.9%
|
|
Private Service-Producing (64%)
|
0.3%
|
0.3%
|
1.7%
|
1.3%
|
3.8%
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|
Government (19%)
|
1.1%
|
1.5%
|
2.0%
|
2.2%
|
2.1%
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Unemployment Rate (% of labor force)
|
5.5%
|
5.4%
|
3.9%
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4.6%
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3.8%
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Other Indicators
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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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|
Single-Family Home Permits
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-20.1%
|
-43.3%
|
-18.1%
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-30.5%
|
-25.7%
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|
Multifamily Building Permits
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-63.7%
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-32.8%
|
12.6%
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-19.9%
|
62.3%
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Home Price Index
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0.8%
|
1.0%
|
3.4%
|
1.9%
|
5.7%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.58
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3.43
|
3.56
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3.39
|
3.15
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BANKING TRENDS
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General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
159
|
160
|
162
|
160
|
162
|
|
Total Assets (in millions)
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55,285
|
54,706
|
50,354
|
54,706
|
49,526
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New Institutions (# < 3 years)
|
3
|
4
|
4
|
4
|
4
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Subchapter S Institutions
|
60
|
57
|
56
|
57
|
51
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|
|
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|
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Asset Quality
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Q1-09
|
Q4-08
|
Q1-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.66
|
2.80
|
2.34
|
2.80
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2.41
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ALLL/Total Loans (median %)
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1.20
|
1.16
|
1.08
|
1.16
|
1.11
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ALLL/Noncurrent Loans (median multiple)
|
0.93
|
1.08
|
1.33
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1.08
|
1.53
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Net Loan Losses / Total Loans (median %)
|
0.06
|
0.17
|
0.04
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0.15
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0.08
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
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2007
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|
Tier 1 Leverage (median %)
|
9.66
|
9.56
|
9.76
|
9.56
|
9.76
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Return on Assets (median %)
|
0.97
|
0.84
|
1.21
|
1.05
|
1.20
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Pretax Return on Assets (median %)
|
1.23
|
1.14
|
1.55
|
1.31
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1.53
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Net Interest Margin (median %)
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4.20
|
4.42
|
4.39
|
4.44
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4.56
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Yield on Earning Assets (median %)
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5.88
|
6.20
|
6.87
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6.54
|
7.20
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Cost of Funding Earning Assets (median %)
|
1.65
|
1.90
|
2.50
|
2.23
|
2.75
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Provisions to Avg. Assets (median %)
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0.12
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0.19
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0.04
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0.15
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0.05
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Noninterest Income to Avg. Assets (median %)
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0.73
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0.77
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0.84
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0.85
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0.90
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Overhead to Avg. Assets (median %)
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3.19
|
3.48
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3.36
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3.41
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3.41
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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
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2007
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Loans to Assets (median %)
|
64.1
|
64.4
|
66.0
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64.4
|
65.0
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Noncore Funding to Assets (median %)
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22.0
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23.0
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22.1
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23.0
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21.3
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Long-term Assets to Assets (median %, call filers)
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12.7
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14.0
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14.7
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14.0
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12.5
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Brokered Deposits (number of institutions)
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40
|
39
|
35
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39
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36
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Brokered Deposits to Assets (median % for those above)
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3.0
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2.8
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1.3
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2.8
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1.4
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Loan Concentrations (median % of Tier 1 Capital)
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Q1-09
|
Q4-08
|
Q1-08
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2008
|
2007
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Commercial and Industrial
|
73.2
|
70.4
|
76.4
|
70.4
|
73.8
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Commercial Real Estate
|
201.4
|
201.3
|
210.8
|
201.3
|
213.5
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Construction & Development
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51.7
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49.6
|
50.9
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49.6
|
50.6
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Multifamily Residential Real Estate
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5.1
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5.3
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5.3
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5.3
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5.0
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Nonresidential Real Estate
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139.1
|
130.3
|
132.8
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130.3
|
129.9
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Residential Real Estate
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178.7
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191.4
|
184.5
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191.4
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181.8
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Consumer
|
46.5
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48.7
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49.5
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48.7
|
52.4
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Agriculture
|
10.3
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11.2
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10.7
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11.2
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11.1
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BANKING PROFILE
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