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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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Total Nonfarm (share of trailing four quarter employment in parentheses)
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-3.1%
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-1.0%
|
1.1%
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0.8%
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1.9%
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Manufacturing (13%)
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-8.8%
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-5.4%
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1.4%
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0.7%
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1.9%
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Other (non-manufacturing) Goods-Producing (5%)
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-11.4%
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-5.9%
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1.8%
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0.0%
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2.1%
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Private Service-Producing (63%)
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-2.3%
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-0.6%
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1.3%
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0.9%
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2.1%
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Government (19%)
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0.5%
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2.2%
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0.3%
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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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6.8%
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5.9%
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4.3%
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4.4%
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4.1%
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Other Indicators
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Single-Family Home Permits
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-23.9%
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-39.4%
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-37.4%
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-38.2%
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-20.9%
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Multifamily Building Permits
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36.3%
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-14.6%
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-68.9%
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10.5%
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-26.9%
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Home Price Index
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0.3%
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0.8%
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0.5%
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1.0%
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3.3%
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Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.16
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3.16
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3.16
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3.09
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2.81
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BANKING TRENDS
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General Information
|
Q2-09
|
Q1-09
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Q2-08
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2008
|
2007
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|
Institutions (#)
|
343
|
345
|
352
|
348
|
357
|
|
Total Assets (in millions)
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61,704
|
62,365
|
63,399
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62,982
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62,602
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New Institutions (# < 3 years)
|
2
|
3
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4
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3
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5
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Subchapter S Institutions
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174
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174
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174
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173
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170
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Asset Quality
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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
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2.49
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2.49
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1.72
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2.04
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1.62
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Noncurrent Loans / Total Loans (median %)
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1.21
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1.06
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0.63
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0.70
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0.53
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ALLL/Total Loans (median %)
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1.44
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1.42
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1.25
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1.38
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1.22
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ALLL/Noncurrent Loans (median multiple)
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1.03
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1.07
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1.46
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1.42
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1.60
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Net Loan Losses / Total Loans (median %)
|
0.07
|
0.03
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0.01
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0.16
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0.06
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Capital / Earnings
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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Tier 1 Leverage (median %)
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9.43
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9.37
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9.56
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9.43
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9.64
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Return on Assets (median %)
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0.74
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0.90
|
1.03
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0.82
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1.01
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Pretax Return on Assets (median %)
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0.90
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1.04
|
1.27
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1.03
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1.23
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Net Interest Margin (median %)
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3.91
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3.88
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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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5.56
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5.63
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6.32
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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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1.66
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1.74
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2.40
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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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0.18
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0.17
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0.07
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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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0.53
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0.51
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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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3.01
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2.95
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2.92
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2.98
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3.02
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Liquidity / Sensitivity
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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Net Loans to Assets (median %)
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61.0
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59.9
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61.4
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61.2
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62.3
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Noncore Funding to Assets (median %)
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20.7
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20.4
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20.8
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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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18.8
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17.4
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16.7
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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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101
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103
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86
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99
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89
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Brokered Deposits to Assets (median % for those above)
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3.5
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3.9
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4.3
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4.2
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4.9
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Commercial and Industrial
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83.2
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84.7
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90.1
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86.8
|
88.0
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Commercial Real Estate
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96.0
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96.6
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95.4
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95.9
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90.8
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Construction & Development
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17.3
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17.8
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19.1
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17.6
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16.6
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Multifamily Residential Real Estate
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1.4
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1.2
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0.8
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1.0
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0.6
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Nonresidential Real Estate
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69.4
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70.3
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68.8
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69.5
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64.3
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Residential Real Estate
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109.7
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112.6
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108.6
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113.7
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106.6
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Consumer
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33.0
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32.9
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34.1
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33.7
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33.9
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Agriculture
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140.6
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139.8
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142.5
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143.1
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136.9
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BANKING PROFILE
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