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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Q2-09
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Q1-09
|
Q2-08
|
2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.7%
|
-1.9%
|
0.1%
|
-0.1%
|
0.7%
|
|
Manufacturing (10%)
|
-10.9%
|
-8.7%
|
-2.9%
|
-3.6%
|
-2.2%
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|
Other (non-manufacturing) Goods-Producing (5%)
|
-9.4%
|
-8.3%
|
-4.6%
|
-4.2%
|
-0.1%
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|
Private Service-Producing (69%)
|
-1.8%
|
-1.1%
|
0.7%
|
0.5%
|
1.1%
|
|
Government (16%)
|
1.2%
|
1.2%
|
1.6%
|
1.4%
|
1.4%
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Unemployment Rate (% of labor force)
|
8.8%
|
8.4%
|
5.7%
|
6.1%
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5.0%
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|
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Other Indicators
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Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Single-Family Home Permits
|
-29.9%
|
-55.4%
|
-47.7%
|
-48.5%
|
-24.8%
|
|
Multifamily Building Permits
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-47.7%
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-56.7%
|
-17.6%
|
-13.8%
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-38.4%
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|
Home Price Index
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-1.1%
|
-0.6%
|
0.2%
|
0.0%
|
2.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.48
|
4.51
|
4.29
|
4.18
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3.55
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BANKING TRENDS
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|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
349
|
352
|
357
|
352
|
361
|
|
Total Assets (in millions)
|
129,374
|
130,284
|
117,720
|
128,977
|
114,430
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New Institutions (# < 3 years)
|
9
|
10
|
13
|
11
|
13
|
|
Subchapter S Institutions
|
126
|
126
|
122
|
124
|
117
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|
|
|
|
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Asset Quality
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Q2-09
|
Q1-09
|
Q2-08
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2008
|
2007
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.83
|
3.01
|
2.24
|
2.80
|
2.23
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|
Noncurrent Loans / Total Loans (median %)
|
1.17
|
1.29
|
0.93
|
1.00
|
0.76
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|
ALLL/Total Loans (median %)
|
1.43
|
1.35
|
1.25
|
1.30
|
1.23
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ALLL/Noncurrent Loans (median multiple)
|
1.06
|
1.02
|
1.22
|
1.11
|
1.53
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Net Loan Losses / Total Loans (median %)
|
0.24
|
0.12
|
0.10
|
0.26
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0.13
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Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.17
|
9.18
|
9.30
|
9.21
|
9.35
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Return on Assets (median %)
|
0.63
|
0.68
|
0.80
|
0.63
|
0.89
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Pretax Return on Assets (median %)
|
0.81
|
0.81
|
1.10
|
0.82
|
1.16
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Net Interest Margin (median %)
|
3.73
|
3.66
|
3.77
|
3.82
|
3.91
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Yield on Earning Assets (median %)
|
5.66
|
5.75
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6.40
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6.42
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7.20
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Cost of Funding Earning Assets (median %)
|
1.97
|
2.10
|
2.66
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2.63
|
3.30
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Provisions to Avg. Assets (median %)
|
0.24
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0.21
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0.15
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0.27
|
0.13
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Noninterest Income to Avg. Assets (median %)
|
0.62
|
0.57
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0.63
|
0.60
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0.64
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Overhead to Avg. Assets (median %)
|
3.00
|
2.84
|
2.79
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2.84
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2.87
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Liquidity / Sensitivity
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Q2-09
|
Q1-09
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Q2-08
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2008
|
2007
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Net Loans to Assets (median %)
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69.8
|
69.5
|
70.7
|
70.8
|
70.5
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Noncore Funding to Assets (median %)
|
22.3
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22.1
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21.7
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22.8
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20.6
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Long-term Assets to Assets (median %, call filers)
|
12.1
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11.8
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11.7
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11.6
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9.6
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Brokered Deposits (number of institutions)
|
140
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144
|
125
|
140
|
119
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Brokered Deposits to Assets (median % for those above)
|
3.6
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3.9
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2.3
|
3.5
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3.6
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
|
Q1-09
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Q2-08
|
2008
|
2007
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Commercial and Industrial
|
67.3
|
69.7
|
73.1
|
71.5
|
71.3
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Commercial Real Estate
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215.8
|
210.7
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213.3
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218.8
|
213.2
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Construction & Development
|
39.9
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44.7
|
47.0
|
46.0
|
49.3
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Multifamily Residential Real Estate
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8.7
|
7.5
|
5.4
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6.7
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4.8
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Nonresidential Real Estate
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151.9
|
142.0
|
147.2
|
142.9
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144.7
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Residential Real Estate
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194.6
|
192.9
|
193.3
|
197.0
|
191.8
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Consumer
|
29.1
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29.9
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33.8
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32.4
|
35.1
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Agriculture
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74.6
|
72.8
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73.4
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75.8
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67.2
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BANKING PROFILE
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