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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Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.8%
|
-2.7%
|
-0.2%
|
-0.1%
|
0.7%
|
|
Manufacturing (10%)
|
-9.6%
|
-10.9%
|
-3.4%
|
-3.6%
|
-2.2%
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|
Other (non-manufacturing) Goods-Producing (5%)
|
-12.0%
|
-9.4%
|
-5.4%
|
-4.2%
|
-0.1%
|
|
Private Service-Producing (69%)
|
-1.9%
|
-1.8%
|
0.4%
|
0.5%
|
1.1%
|
|
Government (16%)
|
1.4%
|
1.2%
|
1.5%
|
1.4%
|
1.4%
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Unemployment Rate (% of labor force)
|
9.4%
|
8.8%
|
6.2%
|
6.1%
|
5.0%
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|
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Other Indicators
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Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
5.3%
|
-29.9%
|
-47.4%
|
-48.5%
|
-24.8%
|
|
Multifamily Building Permits
|
-61.0%
|
-47.7%
|
4.1%
|
-13.8%
|
-38.4%
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|
Home Price Index
|
-1.8%
|
-1.2%
|
-0.8%
|
-0.1%
|
2.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.41
|
5.48
|
4.52
|
4.18
|
3.55
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BANKING TRENDS
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|
General Information
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Institutions (#)
|
347
|
349
|
353
|
352
|
361
|
|
Total Assets (in millions)
|
133,281
|
129,369
|
119,776
|
128,976
|
114,430
|
|
New Institutions (# < 3 years)
|
6
|
9
|
14
|
11
|
13
|
|
Subchapter S Institutions
|
125
|
126
|
123
|
124
|
117
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|
|
|
|
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Asset Quality
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Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.75
|
2.83
|
2.42
|
2.80
|
2.23
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|
Noncurrent Loans / Total Loans (median %)
|
1.25
|
1.17
|
0.90
|
1.00
|
0.76
|
|
ALLL/Total Loans (median %)
|
1.45
|
1.43
|
1.27
|
1.30
|
1.23
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|
ALLL/Noncurrent Loans (median multiple)
|
1.05
|
1.06
|
1.23
|
1.11
|
1.53
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|
Net Loan Losses / Total Loans (median %)
|
0.24
|
0.24
|
0.16
|
0.26
|
0.13
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Capital / Earnings
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.19
|
9.16
|
9.34
|
9.21
|
9.35
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Return on Assets (median %)
|
0.69
|
0.62
|
0.77
|
0.63
|
0.89
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|
Pretax Return on Assets (median %)
|
0.89
|
0.80
|
0.98
|
0.82
|
1.16
|
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Net Interest Margin (median %)
|
3.86
|
3.73
|
3.91
|
3.82
|
3.91
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Yield on Earning Assets (median %)
|
5.65
|
5.66
|
6.31
|
6.42
|
7.20
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Cost of Funding Earning Assets (median %)
|
1.84
|
1.97
|
2.49
|
2.63
|
3.30
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Provisions to Avg. Assets (median %)
|
0.26
|
0.25
|
0.19
|
0.27
|
0.13
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Noninterest Income to Avg. Assets (median %)
|
0.61
|
0.60
|
0.60
|
0.60
|
0.64
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Overhead to Avg. Assets (median %)
|
2.94
|
3.02
|
2.84
|
2.84
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2.87
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Liquidity / Sensitivity
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Q3-09
|
Q2-09
|
Q3-08
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2008
|
2007
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Net Loans to Assets (median %)
|
70.3
|
69.8
|
72.8
|
70.8
|
70.5
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Noncore Funding to Assets (median %)
|
22.1
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22.3
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22.8
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22.8
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20.6
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Long-term Assets to Assets (median %, call filers)
|
12.5
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12.1
|
11.8
|
11.6
|
9.6
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Brokered Deposits (number of institutions)
|
137
|
140
|
129
|
140
|
119
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Brokered Deposits to Assets (median % for those above)
|
3.6
|
3.6
|
3.0
|
3.5
|
3.6
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
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Commercial and Industrial
|
68.2
|
67.3
|
73.2
|
71.5
|
71.3
|
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Commercial Real Estate
|
216.2
|
215.8
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219.2
|
218.8
|
213.2
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|
Construction & Development
|
39.9
|
39.9
|
46.1
|
46.0
|
49.3
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Multifamily Residential Real Estate
|
8.5
|
8.7
|
6.5
|
6.7
|
4.8
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Nonresidential Real Estate
|
151.8
|
151.9
|
144.3
|
142.9
|
144.7
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Residential Real Estate
|
190.6
|
194.6
|
194.5
|
197.1
|
191.8
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Consumer
|
29.2
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29.2
|
33.0
|
32.4
|
35.1
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Agriculture
|
79.4
|
74.7
|
74.4
|
75.8
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67.2
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BANKING PROFILE
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