Missouri 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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Q4-09
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Q3-09
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Q4-08
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2009
|
2008
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Total Nonfarm (share of trailing four quarter employment in parentheses)
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-3.5%
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-4.1%
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-1.1%
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-3.6%
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-0.2%
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Manufacturing (10%)
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-11.3%
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-12.9%
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-5.6%
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-11.6%
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-3.7%
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Other (non-manufacturing) Goods-Producing (5%)
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-15.8%
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-16.6%
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-7.7%
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-15.2%
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-4.9%
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Private Service-Producing (69%)
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-2.6%
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-3.3%
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-0.6%
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-2.8%
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0.3%
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Government (17%)
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1.6%
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2.3%
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1.5%
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1.6%
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1.5%
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Unemployment Rate (% of labor force)
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9.6%
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9.7%
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7.2%
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9.3%
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6.1%
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Other Indicators
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Q4-09
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Q3-09
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Q4-08
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2009
|
2008
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Single-Family Home Permits
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38.3%
|
5.3%
|
-59.8%
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-18.7%
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-48.5%
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Multifamily Building Permits
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-1.6%
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-61.0%
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-26.6%
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-44.9%
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-13.8%
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Home Price Index
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-3.0%
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-1.7%
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-1.0%
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-1.6%
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-0.3%
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Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.09
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5.41
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4.23
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5.12
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4.18
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BANKING TRENDS
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General Information
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Q4-09
|
Q3-09
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Q4-08
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2009
|
2008
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Institutions (#)
|
345
|
347
|
352
|
345
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352
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Total Assets (in millions)
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137,606
|
133,272
|
128,976
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137,606
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128,976
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New Institutions (# < 3 years)
|
5
|
6
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11
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5
|
11
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Subchapter S Institutions
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125
|
125
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124
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125
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124
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Asset Quality
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Q4-09
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Q3-09
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Q4-08
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2009
|
2008
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Past-Due and Nonaccrual Loans / Total Loans (median %)
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2.68
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2.75
|
2.80
|
2.68
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2.80
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Noncurrent Loans / Total Loans (median %)
|
1.31
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1.24
|
1.00
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1.31
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1.00
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ALLL/Total Loans (median %)
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1.51
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1.46
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1.30
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1.51
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1.30
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ALLL/Noncurrent Loans (median multiple)
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1.10
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1.07
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1.11
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1.10
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1.11
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Net Loan Losses / Total Loans (median %)
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0.34
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0.24
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0.32
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0.41
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0.26
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Capital / Earnings
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Q4-09
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Q3-09
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Q4-08
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2009
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2008
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Tier 1 Leverage (median %)
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9.22
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9.19
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9.21
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9.22
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9.21
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Return on Assets (median %)
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0.55
|
0.68
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0.53
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0.61
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0.63
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Pretax Return on Assets (median %)
|
0.65
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0.87
|
0.62
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0.72
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0.82
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Net Interest Margin (median %)
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3.89
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3.86
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3.81
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3.79
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3.82
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Yield on Earning Assets (median %)
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5.53
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5.63
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6.07
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5.63
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6.42
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Cost of Funding Earning Assets (median %)
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1.66
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1.84
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2.32
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1.89
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2.63
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Provisions to Avg. Assets (median %)
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0.39
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0.29
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0.36
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0.41
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0.27
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Noninterest Income to Avg. Assets (median %)
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0.56
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0.61
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0.59
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0.58
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0.60
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Overhead to Avg. Assets (median %)
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3.03
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2.93
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3.00
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2.97
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2.84
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Liquidity / Sensitivity
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Q4-09
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Q3-09
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Q4-08
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2009
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2008
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Net Loans to Assets (median %)
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68.8
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70.3
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70.8
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68.8
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70.8
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Noncore Funding to Assets (median %)
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21.2
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22.1
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22.8
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21.2
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22.8
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Long-term Assets to Assets (median %, call filers)
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13.0
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12.5
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11.6
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13.0
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11.6
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Brokered Deposits (number of institutions)
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136
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138
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140
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136
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140
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Brokered Deposits to Assets (median % for those above)
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3.6
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3.6
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3.5
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3.6
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3.5
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q4-09
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Q3-09
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Q4-08
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2009
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2008
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Commercial and Industrial
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66.3
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68.2
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71.5
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66.3
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71.5
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Commercial Real Estate
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210.0
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216.2
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218.8
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210.0
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218.8
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Construction & Development
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38.5
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39.9
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46.0
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38.5
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46.0
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Multifamily Residential Real Estate
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7.1
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8.5
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6.7
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7.1
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6.7
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Nonresidential Real Estate
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153.1
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152.0
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142.9
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153.1
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142.9
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Residential Real Estate
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188.7
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191.4
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197.1
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188.7
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197.1
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Consumer
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27.0
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29.2
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32.4
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27.0
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32.4
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Agriculture
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73.3
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81.1
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75.8
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73.3
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75.8
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BANKING PROFILE
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