Texas 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%
|
-0.6%
|
2.5%
|
2.1%
|
3.3%
|
|
Manufacturing (8%)
|
-7.8%
|
-4.7%
|
-0.8%
|
-1.1%
|
1.1%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
-9.6%
|
-3.5%
|
6.5%
|
5.4%
|
8.1%
|
|
Private Service-Producing (66%)
|
-1.4%
|
-0.2%
|
2.4%
|
2.1%
|
3.4%
|
|
Government (17%)
|
2.1%
|
1.7%
|
2.6%
|
2.4%
|
1.6%
|
|
Unemployment Rate (% of labor force)
|
7.1%
|
6.5%
|
4.7%
|
4.9%
|
4.4%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-26.5%
|
-36.6%
|
-28.7%
|
-33.1%
|
-26.8%
|
|
Multifamily Building Permits
|
-64.7%
|
-55.5%
|
-20.2%
|
-14.2%
|
6.4%
|
|
Home Price Index
|
1.1%
|
2.2%
|
3.3%
|
3.3%
|
5.8%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.05
|
1.84
|
1.68
|
1.69
|
1.70
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
640
|
640
|
649
|
644
|
659
|
|
Total Assets (in millions)
|
362,297
|
369,767
|
351,817
|
364,984
|
345,837
|
|
New Institutions (# < 3 years)
|
38
|
37
|
40
|
38
|
39
|
|
Subchapter S Institutions
|
295
|
296
|
290
|
288
|
285
|
| |
|
|
|
|
|
|
Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
1.79
|
2.00
|
1.50
|
1.77
|
1.59
|
|
Noncurrent Loans / Total Loans (median %)
|
0.55
|
0.59
|
0.36
|
0.54
|
0.32
|
|
ALLL/Total Loans (median %)
|
1.23
|
1.21
|
1.12
|
1.18
|
1.12
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.42
|
1.51
|
1.99
|
1.66
|
2.21
|
|
Net Loan Losses / Total Loans (median %)
|
0.13
|
0.06
|
0.05
|
0.14
|
0.09
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.38
|
9.35
|
9.59
|
9.33
|
9.62
|
|
Return on Assets (median %)
|
0.85
|
0.94
|
1.05
|
0.95
|
1.16
|
|
Pretax Return on Assets (median %)
|
0.99
|
1.16
|
1.26
|
1.15
|
1.43
|
|
Net Interest Margin (median %)
|
4.09
|
4.03
|
4.08
|
4.15
|
4.38
|
|
Yield on Earning Assets (median %)
|
5.54
|
5.60
|
6.22
|
6.23
|
7.06
|
|
Cost of Funding Earning Assets (median %)
|
1.38
|
1.49
|
2.05
|
1.99
|
2.58
|
|
Provisions to Avg. Assets (median %)
|
0.18
|
0.15
|
0.12
|
0.19
|
0.11
|
|
Noninterest Income to Avg. Assets (median %)
|
0.70
|
0.68
|
0.77
|
0.74
|
0.81
|
|
Overhead to Avg. Assets (median %)
|
3.32
|
3.18
|
3.26
|
3.30
|
3.32
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Net Loans to Assets (median %)
|
59.6
|
58.2
|
58.6
|
58.7
|
56.6
|
|
Noncore Funding to Assets (median %)
|
23.1
|
22.6
|
21.9
|
22.4
|
20.5
|
|
Long-term Assets to Assets (median %, call filers)
|
20.6
|
20.0
|
17.9
|
19.6
|
13.9
|
|
Brokered Deposits (number of institutions)
|
187
|
187
|
155
|
190
|
134
|
|
Brokered Deposits to Assets (median % for those above)
|
4.6
|
4.4
|
3.6
|
3.9
|
4.6
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
81.6
|
84.9
|
87.3
|
87.3
|
87.5
|
|
Commercial Real Estate
|
187.4
|
188.4
|
170.3
|
190.6
|
163.9
|
|
Construction & Development
|
41.9
|
43.1
|
46.3
|
50.1
|
40.0
|
|
Multifamily Residential Real Estate
|
2.4
|
2.0
|
1.3
|
1.9
|
1.1
|
|
Nonresidential Real Estate
|
124.2
|
122.0
|
106.6
|
120.4
|
102.6
|
|
Residential Real Estate
|
104.9
|
103.1
|
88.6
|
99.3
|
83.5
|
|
Consumer
|
43.8
|
44.8
|
48.4
|
47.7
|
49.4
|
|
Agriculture
|
30.9
|
30.3
|
32.5
|
31.9
|
31.3
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
