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FDIC State Profiles
 

Louisiana - Second Quarter 2008

ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q2-08 Q1-08 Q2-07 2007 2006
Total Nonfarm (share of trailing four quarter employment in parentheses) 1.5% 2.1% 3.7% 3.6% -2.0%
  Manufacturing (8%) -0.2% 1.9% 4.4% 3.5% 0.3%
  Other (non-manufacturing) Goods-Producing (10%) 2.4% 3.8% 2.0% 3.3% 9.3%
  Private Service-Producing (63%) 1.4% 1.7% 3.9% 3.9% -2.4%
  Government (19%) 2.3% 2.8% 3.2% 3.1% -6.9%
Unemployment Rate (% of labor force) 4.0% 4.1% 3.9% 3.8% 4.0%
           
Other Indicators Q2-08 Q1-08 Q2-07 2007 2006
Single-Family Home Permits -24.1% -18.1% -13.5% -25.7% 7.9%
Multifamily Building Permits -36.3% 12.6% 170.9% 62.3% 107.0%
Home Price Index 2.7% 3.5% 6.5% 6.1% 11.5%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 3.14 3.62 3.25 3.21 2.55
           
BANKING TRENDS
General Information Q2-08 Q1-08 Q2-07 2007 2006
Institutions (#) 161 162 166 162 166
Total Assets (in millions) 51,247 50,356 79,348 49,523 76,372
New Institutions (# < 3 years) 3 4 5 4 5
Subchapter S Institutions 57 56 52 51 49
           
Asset Quality Q2-08 Q1-08 Q2-07 2007 2006
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.14 2.34 1.92 2.41 2.06
ALLL/Total Loans (median %) 1.07 1.08 1.15 1.11 1.21
ALLL/Noncurrent Loans (median multiple) 1.14 1.33 1.51 1.53 1.74
Net Loan Losses / Total Loans (median %) 0.04 0.04 0.03 0.08 0.09
           
Capital / Earnings Q2-08 Q1-08 Q2-07 2007 2006
Tier 1 Leverage (median %) 9.75 9.83 10.02 9.81 9.64
Return on Assets (median %) 1.10 1.22 1.20 1.19 1.21
Pretax Return on Assets (median %) 1.44 1.54 1.60 1.53 1.61
Net Interest Margin (median %) 4.40 4.39 4.55 4.56 4.69
Yield on Earning Assets (median %) 6.57 6.87 7.30 7.20 6.82
Cost of Funding Earning Assets (median %) 2.30 2.50 2.80 2.75 2.30
Provisions to Avg. Assets (median %) 0.08 0.04 0.03 0.05 0.09
Noninterest Income to Avg. Assets (median %) 0.84 0.84 0.85 0.90 0.87
Overhead to Avg. Assets (median %) 3.35 3.36 3.34 3.41 3.43
           
Liquidity / Sensitivity Q2-08 Q1-08 Q2-07 2007 2006
Loans to Assets (median %) 66.3 65.8 64.1 65.0 61.0
Noncore Funding to Assets (median %) 21.8 22.1 21.2 21.3 21.1
Long-term Assets to Assets (median %, call filers) 15.5 14.7 12.4 12.5 12.0
Brokered Deposits (number of institutions) 34 35 34 36 32
  Brokered Deposits to Assets (median % for those above) 1.3 1.3 1.6 1.4 1.7
           
Loan Concentrations (median % of Tier 1 Capital) Q2-08 Q1-08 Q2-07 2007 2006
Commercial and Industrial 75.1 76.4 76.7 73.8 72.8
Commercial Real Estate 217.6 212.3 189.5 213.5 184.8
  Construction & Development 48.8 50.9 44.9 50.6 38.7
  Multifamily Residential Real Estate 5.6 5.3 4.5 5.0 3.8
  Nonresidential Real Estate 134.2 132.8 127.5 129.9 124.6
Residential Real Estate 183.8 184.5 186.0 181.8 181.1
Consumer 51.4 49.5 50.3 52.4 52.2
Agriculture 13.3 10.7 15.5 11.1 12.6
           
BANKING PROFILE
Largest Deposit Markets (from 2007 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
New Orleans-Metairie-Kenner, LA 40 26,895   < $250 million 116 (72% )
Baton Rouge, LA 44 12,956   $250 million to $1 billion 42 (26.1% )
Shreveport-Bossier City, LA 20 4,483   $1 billion to $10 billion 2 (1.2% )
Lafayette, LA 23 4,198   > $10 billion 1 (0.6% )
Houma-Bayou Cane-Thibodaux, LA 14 3,384  
           
 
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