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FDIC State Profiles
 

Kansas - Second Quarter 2008

ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q2-08 Q1-08 Q2-07 2007 2006
Total Nonfarm (share of trailing four quarter employment in parentheses) 0.3% 1.2% 2.0% 1.9% 1.6%
  Manufacturing (13%) 0.4% 1.6% 1.4% 1.5% 1.4%
  Other (non-manufacturing) Goods-Producing (5%) 0.6% 1.6% 1.5% 2.0% 3.8%
  Private Service-Producing (62%) 0.4% 1.1% 2.4% 2.1% 1.4%
  Government (19%) -0.1% 1.5% 1.0% 1.2% 1.5%
Unemployment Rate (% of labor force) 4.3% 3.9% 4.1% 4.1% 4.3%
           
Other Indicators Q2-08 Q1-08 Q2-07 2007 2006
Single-Family Home Permits -37.4% -41.4% -21.1% -20.9% -17.6%
Multifamily Building Permits -68.9% 113.9% -13.7% -26.9% 30.8%
Home Price Index 1.3% 2.8% 4.7% 3.7% 3.7%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 3.16 2.58 3.02 2.81 2.25
           
BANKING TRENDS
General Information Q2-08 Q1-08 Q2-07 2007 2006
Institutions (#) 352 356 358 357 362
Total Assets (in millions) 63,405 63,841 59,683 62,604 59,223
New Institutions (# < 3 years) 4 5 4 5 3
Subchapter S Institutions 174 175 172 170 171
           
Asset Quality Q2-08 Q1-08 Q2-07 2007 2006
Past-Due and Nonaccrual Loans / Total Loans (median %) 1.72 1.85 1.52 1.62 1.24
ALLL/Total Loans (median %) 1.25 1.24 1.27 1.22 1.29
ALLL/Noncurrent Loans (median multiple) 1.46 1.46 1.91 1.60 2.43
Net Loan Losses / Total Loans (median %) 0.01 0.00 0.00 0.06 0.04
           
Capital / Earnings Q2-08 Q1-08 Q2-07 2007 2006
Tier 1 Leverage (median %) 9.56 9.50 9.86 9.64 9.80
Return on Assets (median %) 1.03 1.05 1.16 1.01 1.04
Pretax Return on Assets (median %) 1.28 1.30 1.38 1.24 1.29
Net Interest Margin (median %) 4.01 4.01 4.06 4.07 4.11
Yield on Earning Assets (median %) 6.32 6.68 7.03 7.00 6.65
Cost of Funding Earning Assets (median %) 2.40 2.78 2.99 2.99 2.59
Provisions to Avg. Assets (median %) 0.06 0.01 0.00 0.05 0.04
Noninterest Income to Avg. Assets (median %) 0.55 0.55 0.60 0.59 0.60
Overhead to Avg. Assets (median %) 2.92 2.94 3.00 3.02 3.10
           
Liquidity / Sensitivity Q2-08 Q1-08 Q2-07 2007 2006
Loans to Assets (median %) 62.3 61.5 63.3 63.1 62.7
Noncore Funding to Assets (median %) 20.8 20.6 20.0 20.9 20.1
Long-term Assets to Assets (median %, call filers) 16.7 14.3 10.5 12.0 9.7
Brokered Deposits (number of institutions) 86 87 87 89 90
  Brokered Deposits to Assets (median % for those above) 4.3 4.5 4.7 4.9 3.4
           
Loan Concentrations (median % of Tier 1 Capital) Q2-08 Q1-08 Q2-07 2007 2006
Commercial and Industrial 97.2 97.2 95.7 93.7 89.7
Commercial Real Estate 102.6 104.4 95.7 96.9 95.1
  Construction & Development 20.3 21.0 16.1 17.2 17.5
  Multifamily Residential Real Estate 0.8 0.7 0.4 0.6 0.3
  Nonresidential Real Estate 74.3 73.9 69.6 69.9 68.5
Residential Real Estate 117.5 114.5 112.3 113.7 116.1
Consumer 36.5 35.6 36.3 35.6 36.8
Agriculture 151.5 141.1 149.3 145.7 144.4
           
BANKING PROFILE
Largest Deposit Markets (from 2007 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Kansas City, MO-KS 157 37,261   < $250 million 303 (86.1% )
Wichita, KS 59 9,286   $250 million to $1 billion 39 (11.1% )
Topeka, KS 38 4,803   $1 billion to $10 billion 10 (2.8% )
St. Joseph, MO-KS 26 1,869   > $10 billion 0 (0% )
Lawrence, KS 25 1,555  
           
 
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