Oklahoma 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
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2008
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2007
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Total Nonfarm (share of trailing four quarter employment in parentheses)
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-0.3%
|
1.2%
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2.2%
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1.7%
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1.8%
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Manufacturing (9%)
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-6.8%
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-1.2%
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1.3%
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0.1%
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0.9%
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Other (non-manufacturing) Goods-Producing (8%)
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-0.5%
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5.9%
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8.5%
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8.0%
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5.1%
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Private Service-Producing (62%)
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0.1%
|
0.9%
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2.2%
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1.5%
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1.9%
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Government (20%)
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1.5%
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1.4%
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0.6%
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0.8%
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1.0%
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Unemployment Rate (% of labor force)
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5.5%
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4.4%
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3.3%
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3.8%
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4.1%
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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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-31.7%
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-40.8%
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-26.4%
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-32.3%
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-15.4%
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Multifamily Building Permits
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-79.8%
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-43.1%
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-26.8%
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-39.4%
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43.4%
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Home Price Index
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2.0%
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1.3%
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4.2%
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3.2%
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4.9%
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Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
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3.28
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3.09
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2.65
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2.95
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2.43
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BANKING TRENDS
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General Information
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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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|
Institutions (#)
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253
|
253
|
259
|
253
|
259
|
|
Total Assets (in millions)
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80,305
|
79,758
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75,491
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79,758
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72,848
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New Institutions (# < 3 years)
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1
|
1
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1
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1
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1
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Subchapter S Institutions
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170
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169
|
171
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169
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160
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Asset Quality
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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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Past-Due and Nonaccrual Loans / Total Loans (median %)
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2.79
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2.64
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2.39
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2.64
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2.43
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ALLL/Total Loans (median %)
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1.20
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1.15
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1.14
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1.15
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1.13
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ALLL/Noncurrent Loans (median multiple)
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1.00
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0.93
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1.27
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0.93
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1.39
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Net Loan Losses / Total Loans (median %)
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0.08
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0.25
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0.03
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0.21
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0.16
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Capital / Earnings
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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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Tier 1 Leverage (median %)
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9.12
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9.11
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9.42
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9.11
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9.33
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Return on Assets (median %)
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1.18
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0.90
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1.35
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1.22
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1.27
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Pretax Return on Assets (median %)
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1.28
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1.00
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1.52
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1.30
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1.41
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Net Interest Margin (median %)
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4.25
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4.30
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4.27
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4.32
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4.46
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Yield on Earning Assets (median %)
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5.86
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6.18
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6.94
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6.51
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7.47
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Cost of Funding Earning Assets (median %)
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1.60
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1.84
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2.62
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2.16
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2.95
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Provisions to Avg. Assets (median %)
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0.22
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0.29
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0.08
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0.21
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0.12
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Noninterest Income to Avg. Assets (median %)
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0.77
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0.82
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0.84
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0.85
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0.89
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Overhead to Avg. Assets (median %)
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3.14
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3.46
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3.18
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3.28
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3.31
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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 %)
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63.3
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65.0
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62.1
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65.0
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63.3
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Noncore Funding to Assets (median %)
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24.1
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24.0
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22.6
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24.0
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22.8
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Long-term Assets to Assets (median %, call filers)
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18.7
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18.5
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15.2
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18.5
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13.8
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Brokered Deposits (number of institutions)
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91
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90
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74
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90
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70
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Brokered Deposits to Assets (median % for those above)
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5.4
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5.4
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4.5
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5.4
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4.3
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Loan Concentrations (median % of Tier 1 Capital)
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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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Commercial and Industrial
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93.6
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96.0
|
99.1
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96.0
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101.2
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Commercial Real Estate
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158.8
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161.9
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156.0
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161.9
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151.7
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Construction & Development
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29.7
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29.7
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27.7
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29.7
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23.9
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Multifamily Residential Real Estate
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1.2
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1.2
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0.4
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1.2
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0.2
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Nonresidential Real Estate
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115.3
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110.7
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106.8
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110.7
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109.4
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Residential Real Estate
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134.4
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130.5
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121.7
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130.5
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121.1
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Consumer
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55.9
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59.0
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61.2
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59.0
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62.8
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Agriculture
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80.3
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80.8
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80.3
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80.8
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82.4
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BANKING PROFILE
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