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