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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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-0.6%
|
0.6%
|
1.8%
|
1.3%
|
3.4%
|
|
Manufacturing (8%)
|
-5.3%
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-4.2%
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-2.8%
|
-3.0%
|
3.0%
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|
Other (non-manufacturing) Goods-Producing (10%)
|
1.7%
|
5.6%
|
2.6%
|
3.2%
|
2.9%
|
|
Private Service-Producing (63%)
|
-1.0%
|
0.3%
|
2.0%
|
1.3%
|
3.8%
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|
Government (19%)
|
1.3%
|
1.1%
|
3.0%
|
2.2%
|
2.1%
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Unemployment Rate (% of labor force)
|
6.5%
|
5.5%
|
4.1%
|
4.6%
|
3.8%
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|
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Other Indicators
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Q2-09
|
Q1-09
|
Q2-08
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2008
|
2007
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|
Single-Family Home Permits
|
-19.5%
|
-20.1%
|
-24.1%
|
-30.5%
|
-25.7%
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|
Multifamily Building Permits
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-45.1%
|
-63.7%
|
-36.3%
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-19.9%
|
62.3%
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Home Price Index
|
0.4%
|
1.0%
|
2.3%
|
1.7%
|
5.6%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.01
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3.58
|
3.09
|
3.39
|
3.15
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BANKING TRENDS
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General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
158
|
159
|
161
|
160
|
162
|
|
Total Assets (in millions)
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55,436
|
55,286
|
51,249
|
54,707
|
49,526
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New Institutions (# < 3 years)
|
1
|
3
|
3
|
4
|
4
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|
Subchapter S Institutions
|
59
|
60
|
57
|
57
|
51
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|
|
|
|
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Asset Quality
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Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.72
|
2.66
|
2.14
|
2.80
|
2.41
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|
Noncurrent Loans / Total Loans (median %)
|
1.20
|
1.12
|
0.89
|
0.99
|
0.64
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|
ALLL/Total Loans (median %)
|
1.12
|
1.20
|
1.07
|
1.16
|
1.11
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ALLL/Noncurrent Loans (median multiple)
|
0.96
|
0.93
|
1.14
|
1.08
|
1.53
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|
Net Loan Losses / Total Loans (median %)
|
0.08
|
0.06
|
0.04
|
0.15
|
0.08
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Capital / Earnings
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Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.56
|
9.66
|
9.79
|
9.56
|
9.76
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Return on Assets (median %)
|
0.96
|
0.97
|
1.07
|
1.05
|
1.20
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Pretax Return on Assets (median %)
|
1.23
|
1.23
|
1.44
|
1.32
|
1.53
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Net Interest Margin (median %)
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4.24
|
4.20
|
4.40
|
4.44
|
4.56
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Yield on Earning Assets (median %)
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5.82
|
5.88
|
6.57
|
6.54
|
7.20
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Cost of Funding Earning Assets (median %)
|
1.52
|
1.65
|
2.30
|
2.23
|
2.75
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Provisions to Avg. Assets (median %)
|
0.18
|
0.12
|
0.08
|
0.15
|
0.05
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Noninterest Income to Avg. Assets (median %)
|
0.77
|
0.75
|
0.83
|
0.85
|
0.90
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Overhead to Avg. Assets (median %)
|
3.40
|
3.19
|
3.35
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3.41
|
3.41
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Liquidity / Sensitivity
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Net Loans to Assets (median %)
|
65.1
|
63.5
|
65.5
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63.4
|
64.2
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Noncore Funding to Assets (median %)
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22.9
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22.0
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22.5
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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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14.0
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12.7
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15.5
|
14.0
|
12.5
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Brokered Deposits (number of institutions)
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37
|
40
|
34
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39
|
36
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Brokered Deposits to Assets (median % for those above)
|
2.3
|
3.0
|
1.3
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2.8
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1.4
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
|
Q1-09
|
Q2-08
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2008
|
2007
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Commercial and Industrial
|
64.6
|
67.6
|
69.1
|
65.4
|
69.2
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Commercial Real Estate
|
195.6
|
192.0
|
202.5
|
189.5
|
203.3
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Construction & Development
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46.9
|
48.9
|
43.9
|
46.3
|
47.6
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Multifamily Residential Real Estate
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4.8
|
4.7
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5.5
|
5.1
|
4.9
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Nonresidential Real Estate
|
133.7
|
134.8
|
125.5
|
124.5
|
123.5
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Residential Real Estate
|
171.1
|
164.3
|
172.3
|
180.2
|
166.4
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Consumer
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44.6
|
43.6
|
49.3
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46.9
|
49.6
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Agriculture
|
11.1
|
9.6
|
12.6
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10.7
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10.5
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BANKING PROFILE
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