Kansas at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-1.0%
|
0.2%
|
1.6%
|
0.8%
|
1.9%
|
|
Manufacturing (13%)
|
-5.4%
|
-0.6%
|
2.6%
|
0.7%
|
1.9%
|
|
Other (non-manufacturing) Goods-Producing (5%)
|
-5.9%
|
-2.3%
|
0.6%
|
0.0%
|
2.1%
|
|
Private Service-Producing (63%)
|
-0.6%
|
0.1%
|
1.6%
|
0.9%
|
2.1%
|
|
Government (19%)
|
2.2%
|
1.7%
|
1.1%
|
0.8%
|
1.5%
|
|
Unemployment Rate (% of labor force)
|
5.9%
|
4.8%
|
4.0%
|
4.4%
|
4.1%
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|
|
|
|
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Other Indicators
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Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-39.4%
|
-50.2%
|
-41.4%
|
-38.2%
|
-20.9%
|
|
Multifamily Building Permits
|
-14.6%
|
-36.6%
|
113.9%
|
10.5%
|
-26.9%
|
|
Home Price Index
|
0.8%
|
0.8%
|
2.6%
|
1.2%
|
3.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.16
|
3.12
|
2.58
|
3.09
|
2.81
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BANKING TRENDS
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|
General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
345
|
348
|
356
|
348
|
357
|
|
Total Assets (in millions)
|
62,377
|
62,983
|
63,839
|
62,983
|
62,602
|
|
New Institutions (# < 3 years)
|
3
|
3
|
5
|
3
|
5
|
|
Subchapter S Institutions
|
174
|
173
|
175
|
173
|
170
|
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|
|
|
|
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Asset Quality
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.53
|
2.04
|
1.85
|
2.04
|
1.62
|
|
ALLL/Total Loans (median %)
|
1.41
|
1.38
|
1.24
|
1.38
|
1.22
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.07
|
1.42
|
1.46
|
1.42
|
1.60
|
|
Net Loan Losses / Total Loans (median %)
|
0.03
|
0.13
|
0.00
|
0.16
|
0.06
|
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|
|
|
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.37
|
9.43
|
9.50
|
9.43
|
9.64
|
|
Return on Assets (median %)
|
0.91
|
0.63
|
1.05
|
0.82
|
1.01
|
|
Pretax Return on Assets (median %)
|
1.05
|
0.73
|
1.30
|
1.03
|
1.23
|
|
Net Interest Margin (median %)
|
3.88
|
4.01
|
4.01
|
4.02
|
4.07
|
|
Yield on Earning Assets (median %)
|
5.63
|
6.03
|
6.68
|
6.33
|
7.00
|
|
Cost of Funding Earning Assets (median %)
|
1.74
|
2.04
|
2.78
|
2.38
|
2.99
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Provisions to Avg. Assets (median %)
|
0.17
|
0.22
|
0.01
|
0.18
|
0.05
|
|
Noninterest Income to Avg. Assets (median %)
|
0.51
|
0.54
|
0.55
|
0.57
|
0.59
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|
Overhead to Avg. Assets (median %)
|
2.94
|
3.16
|
2.94
|
2.98
|
3.02
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Liquidity / Sensitivity
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Loans to Assets (median %)
|
60.7
|
62.3
|
61.5
|
62.3
|
63.1
|
|
Noncore Funding to Assets (median %)
|
20.4
|
21.3
|
20.6
|
21.3
|
20.9
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Long-term Assets to Assets (median %, call filers)
|
17.4
|
16.3
|
14.3
|
16.3
|
12.0
|
|
Brokered Deposits (number of institutions)
|
103
|
99
|
87
|
99
|
89
|
|
Brokered Deposits to Assets (median % for those above)
|
3.8
|
4.2
|
4.5
|
4.2
|
4.9
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|
|
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Loan Concentrations (median % of Tier 1 Capital)
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Commercial and Industrial
|
91.8
|
93.3
|
97.2
|
93.3
|
93.7
|
|
Commercial Real Estate
|
105.3
|
104.3
|
104.4
|
104.3
|
96.9
|
|
Construction & Development
|
19.3
|
19.1
|
21.0
|
19.1
|
17.2
|
|
Multifamily Residential Real Estate
|
1.3
|
1.1
|
0.7
|
1.1
|
0.6
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Nonresidential Real Estate
|
74.5
|
75.1
|
73.9
|
75.1
|
69.9
|
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Residential Real Estate
|
121.7
|
123.4
|
114.5
|
123.4
|
113.7
|
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Consumer
|
35.3
|
36.4
|
35.6
|
36.4
|
35.6
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Agriculture
|
150.5
|
152.0
|
141.1
|
152.0
|
145.7
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BANKING PROFILE
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