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
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-3.1%
|
-1.0%
|
1.1%
|
0.8%
|
1.9%
|
|
Manufacturing (13%)
|
-8.8%
|
-5.4%
|
1.4%
|
0.7%
|
1.9%
|
|
Other (non-manufacturing) Goods-Producing (5%)
|
-11.4%
|
-5.9%
|
1.8%
|
0.0%
|
2.1%
|
|
Private Service-Producing (63%)
|
-2.3%
|
-0.6%
|
1.3%
|
0.9%
|
2.1%
|
|
Government (19%)
|
0.5%
|
2.2%
|
0.3%
|
0.8%
|
1.5%
|
|
Unemployment Rate (% of labor force)
|
6.8%
|
5.9%
|
4.3%
|
4.4%
|
4.1%
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|
|
|
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Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-23.9%
|
-39.4%
|
-37.4%
|
-38.2%
|
-20.9%
|
|
Multifamily Building Permits
|
36.3%
|
-14.6%
|
-68.9%
|
10.5%
|
-26.9%
|
|
Home Price Index
|
0.3%
|
0.8%
|
0.5%
|
1.0%
|
3.3%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.16
|
3.16
|
3.16
|
3.09
|
2.81
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BANKING TRENDS
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|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
343
|
345
|
352
|
348
|
357
|
|
Total Assets (in millions)
|
61,704
|
62,365
|
63,399
|
62,982
|
62,602
|
|
New Institutions (# < 3 years)
|
2
|
3
|
4
|
3
|
5
|
|
Subchapter S Institutions
|
174
|
174
|
174
|
173
|
170
|
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|
|
|
|
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Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.49
|
2.49
|
1.72
|
2.04
|
1.62
|
|
Noncurrent Loans / Total Loans (median %)
|
1.21
|
1.06
|
0.63
|
0.70
|
0.53
|
|
ALLL/Total Loans (median %)
|
1.44
|
1.42
|
1.25
|
1.38
|
1.22
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|
ALLL/Noncurrent Loans (median multiple)
|
1.03
|
1.07
|
1.46
|
1.42
|
1.60
|
|
Net Loan Losses / Total Loans (median %)
|
0.07
|
0.03
|
0.01
|
0.16
|
0.06
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|
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Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.43
|
9.37
|
9.56
|
9.43
|
9.64
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|
Return on Assets (median %)
|
0.74
|
0.90
|
1.03
|
0.82
|
1.01
|
|
Pretax Return on Assets (median %)
|
0.90
|
1.04
|
1.27
|
1.03
|
1.23
|
|
Net Interest Margin (median %)
|
3.91
|
3.88
|
4.01
|
4.02
|
4.07
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Yield on Earning Assets (median %)
|
5.56
|
5.63
|
6.32
|
6.33
|
7.00
|
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Cost of Funding Earning Assets (median %)
|
1.66
|
1.74
|
2.40
|
2.38
|
2.99
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Provisions to Avg. Assets (median %)
|
0.18
|
0.17
|
0.07
|
0.18
|
0.05
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Noninterest Income to Avg. Assets (median %)
|
0.53
|
0.51
|
0.55
|
0.57
|
0.59
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Overhead to Avg. Assets (median %)
|
3.01
|
2.95
|
2.92
|
2.98
|
3.02
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Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Net Loans to Assets (median %)
|
61.0
|
59.9
|
61.4
|
61.2
|
62.3
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Noncore Funding to Assets (median %)
|
20.7
|
20.4
|
20.8
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21.3
|
20.9
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Long-term Assets to Assets (median %, call filers)
|
18.8
|
17.4
|
16.7
|
16.3
|
12.0
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Brokered Deposits (number of institutions)
|
101
|
103
|
86
|
99
|
89
|
|
Brokered Deposits to Assets (median % for those above)
|
3.5
|
3.9
|
4.3
|
4.2
|
4.9
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
83.2
|
84.7
|
90.1
|
86.8
|
88.0
|
|
Commercial Real Estate
|
96.0
|
96.6
|
95.4
|
95.9
|
90.8
|
|
Construction & Development
|
17.3
|
17.8
|
19.1
|
17.6
|
16.6
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Multifamily Residential Real Estate
|
1.4
|
1.2
|
0.8
|
1.0
|
0.6
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Nonresidential Real Estate
|
69.4
|
70.3
|
68.8
|
69.5
|
64.3
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Residential Real Estate
|
109.7
|
112.6
|
108.6
|
113.7
|
106.6
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Consumer
|
33.0
|
32.9
|
34.1
|
33.7
|
33.9
|
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Agriculture
|
140.6
|
139.8
|
142.5
|
143.1
|
136.9
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BANKING PROFILE
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