Oklahoma at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.0%
|
-0.3%
|
2.0%
|
1.7%
|
1.8%
|
|
Manufacturing (9%)
|
-10.2%
|
-6.8%
|
1.0%
|
0.1%
|
0.9%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
-5.9%
|
-0.5%
|
9.2%
|
8.0%
|
5.1%
|
|
Private Service-Producing (62%)
|
-1.6%
|
0.1%
|
1.8%
|
1.5%
|
1.9%
|
|
Government (21%)
|
2.5%
|
1.5%
|
0.5%
|
0.8%
|
1.0%
|
|
Unemployment Rate (% of labor force)
|
6.3%
|
5.5%
|
3.6%
|
3.8%
|
4.1%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-14.0%
|
-31.7%
|
-28.6%
|
-32.3%
|
-15.4%
|
|
Multifamily Building Permits
|
190.9%
|
-79.8%
|
-71.2%
|
-39.4%
|
43.4%
|
|
Home Price Index
|
0.0%
|
2.1%
|
4.7%
|
3.1%
|
4.8%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.83
|
3.28
|
2.98
|
2.95
|
2.43
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
252
|
253
|
257
|
253
|
259
|
|
Total Assets (in millions)
|
79,387
|
80,300
|
77,735
|
79,758
|
72,848
|
|
New Institutions (# < 3 years)
|
1
|
1
|
1
|
1
|
1
|
|
Subchapter S Institutions
|
171
|
170
|
171
|
169
|
160
|
| |
|
|
|
|
|
|
Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.73
|
2.79
|
2.00
|
2.69
|
2.43
|
|
Noncurrent Loans / Total Loans (median %)
|
1.36
|
1.08
|
0.76
|
0.97
|
0.76
|
|
ALLL/Total Loans (median %)
|
1.24
|
1.21
|
1.12
|
1.15
|
1.13
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.93
|
0.98
|
1.33
|
0.93
|
1.39
|
|
Net Loan Losses / Total Loans (median %)
|
0.17
|
0.08
|
0.08
|
0.21
|
0.16
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.14
|
9.10
|
9.23
|
9.11
|
9.33
|
|
Return on Assets (median %)
|
1.20
|
1.18
|
1.40
|
1.22
|
1.27
|
|
Pretax Return on Assets (median %)
|
1.37
|
1.30
|
1.52
|
1.30
|
1.41
|
|
Net Interest Margin (median %)
|
4.27
|
4.25
|
4.30
|
4.32
|
4.46
|
|
Yield on Earning Assets (median %)
|
5.75
|
5.85
|
6.55
|
6.51
|
7.47
|
|
Cost of Funding Earning Assets (median %)
|
1.46
|
1.60
|
2.23
|
2.16
|
2.95
|
|
Provisions to Avg. Assets (median %)
|
0.25
|
0.22
|
0.11
|
0.21
|
0.12
|
|
Noninterest Income to Avg. Assets (median %)
|
0.81
|
0.77
|
0.82
|
0.85
|
0.89
|
|
Overhead to Avg. Assets (median %)
|
3.20
|
3.14
|
3.16
|
3.28
|
3.31
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Net Loans to Assets (median %)
|
62.2
|
62.5
|
61.6
|
64.2
|
62.7
|
|
Noncore Funding to Assets (median %)
|
24.8
|
24.1
|
23.0
|
24.0
|
22.8
|
|
Long-term Assets to Assets (median %, call filers)
|
19.7
|
18.7
|
16.5
|
18.5
|
13.8
|
|
Brokered Deposits (number of institutions)
|
93
|
91
|
75
|
90
|
70
|
|
Brokered Deposits to Assets (median % for those above)
|
5.4
|
5.4
|
4.5
|
5.4
|
4.3
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
83.4
|
87.6
|
92.6
|
89.0
|
94.2
|
|
Commercial Real Estate
|
148.3
|
150.2
|
149.8
|
154.8
|
142.3
|
|
Construction & Development
|
25.3
|
27.8
|
28.8
|
27.6
|
22.2
|
|
Multifamily Residential Real Estate
|
1.0
|
1.2
|
0.7
|
1.1
|
0.2
|
|
Nonresidential Real Estate
|
113.1
|
106.5
|
98.5
|
102.3
|
101.3
|
|
Residential Real Estate
|
125.1
|
123.2
|
117.0
|
117.9
|
112.9
|
|
Consumer
|
52.4
|
52.6
|
56.4
|
55.2
|
57.7
|
|
Agriculture
|
74.4
|
71.2
|
69.9
|
75.7
|
76.4
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
