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