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FDIC State Profiles
 

Texas at a Glance

ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q4-10 Q3-10 Q4-09 2010 2009
Total Nonfarm (share of trailing four quarter employment in parentheses) 2.0% 1.2% -3.6% 0.3% -2.8%
  Manufacturing (8%) 0.4% -0.9% -11.2% -3.2% -9.4%
  Other (non-manufacturing) Goods-Producing (8%) 5.0% 0.0% -16.1% -3.0% -11.5%
  Private Service-Producing (67%) 2.0% 1.4% -2.6% 0.7% -2.2%
  Government (18%) 1.2% 2.2% 2.5% 2.1% 2.4%
Unemployment Rate (% of labor force) 8.3% 8.2% 8.1% 8.2% 7.5%
           
Other Indicators Q4-10 Q3-10 Q4-09 2010 2009
Single-Family Home Permits -15.6% -21.7% 22.0% -0.8% -15.6%
Multifamily Building Permits 70.2% 84.3% -72.8% 13.8% -66.2%
Home Price Index -0.5% -0.2% -0.1% -0.9% 1.0%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 2.11 2.24 2.11 2.14 2.05
           
BANKING TRENDS
General Information Q4-10 Q3-10 Q4-09 2010 2009
Institutions (#) 615 623 629 615 629
Total Assets (in millions) 374,840 374,095 371,508 374,840 371,508
New Institutions (# < 3 years) 11 17 34 11 34
Subchapter S Institutions 283 291 292 283 292
           
Asset Quality Q4-10 Q3-10 Q4-09 2010 2009
Past-Due and Nonaccrual Loans / Total Loans (median %) 2.10 1.96 2.08 2.10 2.08
Noncurrent Loans / Total Loans (median %) 0.86 0.78 0.68 0.86 0.68
ALLL/Total Loans (median %) 1.43 1.39 1.31 1.43 1.31
ALLL/Noncurrent Loans (median multiple) 1.29 1.33 1.33 1.29 1.33
Net Loan Losses / Total Loans (median %) 0.14 0.11 0.22 0.21 0.24
           
Capital / Earnings Q4-10 Q3-10 Q4-09 2010 2009
Tier 1 Leverage (median %) 9.59 9.71 9.36 9.59 9.36
Return on Assets (median %) 0.76 0.99 0.67 0.88 0.86
Pretax Return on Assets (median %) 0.89 1.19 0.79 1.05 0.97
Net Interest Margin (median %) 4.01 4.07 4.17 4.03 4.10
Yield on Earning Assets (median %) 4.91 5.04 5.35 5.02 5.48
Cost of Funding Earning Assets (median %) 0.86 0.92 1.17 0.95 1.32
Provisions to Avg. Assets (median %) 0.17 0.18 0.31 0.20 0.28
Noninterest Income to Avg. Assets (median %) 0.68 0.69 0.71 0.69 0.71
Overhead to Avg. Assets (median %) 3.30 3.18 3.37 3.22 3.29
           
Liquidity / Sensitivity Q4-10 Q3-10 Q4-09 2010 2009
Net Loans to Assets (median %) 56.2 57.7 58.4 56.2 58.4
Noncore Funding to Assets (median %) 21.7 22.3 23.3 21.7 23.3
Long-term Assets to Assets (median %, call filers) 22.8 22.4 21.2 22.8 21.2
Brokered Deposits (number of institutions) 160 163 182 160 182
  Brokered Deposits to Assets (median % for those above) 2.7 2.7 3.5 2.7 3.5
           
Loan Concentrations (median % of Total Risk-Based Capital) Q4-10 Q3-10 Q4-09 2010 2009
Commercial and Industrial 76.7 75.7 79.3 76.7 79.3
Commercial Real Estate 176.0 184.6 185.4 176.0 185.4
  Construction & Development 36.2 36.8 38.9 36.2 38.9
  Multifamily Residential Real Estate 3.1 3.1 2.5 3.1 2.5
  Nonresidential Real Estate 125.5 127.1 128.2 125.5 128.2
Residential Real Estate 107.4 106.1 106.5 107.4 106.5
Consumer 35.8 38.1 42.7 35.8 42.7
Agriculture 30.1 30.8 30.9 30.1 30.9
           
BANKING PROFILE
Largest Deposit Markets (from 2010 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Dallas-Fort Worth-Arlington, TX 181 153,238   < $100 million 223 (36.3% )
Houston-Baytown-Sugar Land, TX 116 137,230   $100 million to $250 million 206 (33.5% )
San Antonio, TX 62 59,800   $250 million to $1 billion 140 (22.8% )
Austin-Round Rock, TX 72 22,967   $1 billion to $10 billion 41 (6.7% )
McAllen-Edinburg-Pharr, TX 19 9,831   > $10 billion 5 (0.8% )
           
 
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