Texas 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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Q3-09
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Q2-09
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Q3-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.6%
|
-2.0%
|
1.9%
|
2.1%
|
3.3%
|
|
Manufacturing (8%)
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-9.7%
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-7.8%
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-1.3%
|
-1.1%
|
1.1%
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Other (non-manufacturing) Goods-Producing (8%)
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-12.6%
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-9.6%
|
5.0%
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5.4%
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8.1%
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Private Service-Producing (66%)
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-1.7%
|
-1.4%
|
1.7%
|
2.1%
|
3.4%
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Government (17%)
|
3.1%
|
2.1%
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2.6%
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2.4%
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1.6%
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Unemployment Rate (% of labor force)
|
8.0%
|
7.1%
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5.0%
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4.9%
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4.4%
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Other Indicators
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Q3-09
|
Q2-09
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Q3-08
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2008
|
2007
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|
Single-Family Home Permits
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-2.1%
|
-26.5%
|
-30.6%
|
-33.1%
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-26.8%
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Multifamily Building Permits
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-74.6%
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-64.7%
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-9.5%
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-14.2%
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6.4%
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Home Price Index
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0.5%
|
1.2%
|
2.8%
|
3.2%
|
5.7%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.20
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2.05
|
1.63
|
1.69
|
1.70
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BANKING TRENDS
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General Information
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
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|
Institutions (#)
|
635
|
640
|
648
|
644
|
659
|
|
Total Assets (in millions)
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347,586
|
362,297
|
360,351
|
364,986
|
345,837
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New Institutions (# < 3 years)
|
36
|
38
|
40
|
38
|
39
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|
Subchapter S Institutions
|
295
|
296
|
290
|
288
|
285
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Asset Quality
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Q3-09
|
Q2-09
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Q3-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
1.89
|
1.79
|
1.56
|
1.77
|
1.59
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|
Noncurrent Loans / Total Loans (median %)
|
0.64
|
0.55
|
0.46
|
0.54
|
0.32
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ALLL/Total Loans (median %)
|
1.27
|
1.23
|
1.14
|
1.18
|
1.12
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ALLL/Noncurrent Loans (median multiple)
|
1.39
|
1.42
|
1.80
|
1.66
|
2.21
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Net Loan Losses / Total Loans (median %)
|
0.13
|
0.13
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0.07
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0.14
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0.09
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Capital / Earnings
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Q3-09
|
Q2-09
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Q3-08
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2008
|
2007
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Tier 1 Leverage (median %)
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9.51
|
9.38
|
9.61
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9.33
|
9.62
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Return on Assets (median %)
|
0.91
|
0.83
|
1.02
|
0.95
|
1.16
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Pretax Return on Assets (median %)
|
1.11
|
0.99
|
1.25
|
1.15
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1.43
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Net Interest Margin (median %)
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4.16
|
4.08
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4.21
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4.15
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4.38
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Yield on Earning Assets (median %)
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5.48
|
5.53
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6.19
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6.23
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7.06
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Cost of Funding Earning Assets (median %)
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1.28
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1.38
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1.92
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1.99
|
2.58
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Provisions to Avg. Assets (median %)
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0.21
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0.18
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0.14
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0.19
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0.11
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Noninterest Income to Avg. Assets (median %)
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0.70
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0.70
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0.75
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0.74
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0.81
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Overhead to Avg. Assets (median %)
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3.21
|
3.32
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3.28
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3.30
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3.32
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Liquidity / Sensitivity
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Q3-09
|
Q2-09
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Q3-08
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2008
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2007
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Net Loans to Assets (median %)
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59.1
|
59.6
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59.1
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58.7
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56.6
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Noncore Funding to Assets (median %)
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23.6
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23.1
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22.1
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22.4
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20.5
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Long-term Assets to Assets (median %, call filers)
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20.8
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20.6
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17.7
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19.6
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13.9
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Brokered Deposits (number of institutions)
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185
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188
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168
|
190
|
134
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Brokered Deposits to Assets (median % for those above)
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4.3
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4.7
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4.4
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3.9
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4.6
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q3-09
|
Q2-09
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Q3-08
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2008
|
2007
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Commercial and Industrial
|
79.7
|
81.6
|
83.9
|
87.3
|
87.5
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Commercial Real Estate
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182.1
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187.4
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180.3
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190.6
|
163.9
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Construction & Development
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39.9
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41.9
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46.9
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50.1
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40.0
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Multifamily Residential Real Estate
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2.4
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2.4
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1.6
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1.9
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1.1
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Nonresidential Real Estate
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122.4
|
124.2
|
114.7
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120.4
|
102.6
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Residential Real Estate
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107.6
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104.9
|
93.9
|
99.3
|
83.5
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Consumer
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44.1
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43.8
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47.9
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47.7
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49.4
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Agriculture
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31.4
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30.9
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32.2
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31.9
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31.3
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BANKING PROFILE
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