Maryland and Washington, D.C. at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.5%
|
-2.0%
|
0.1%
|
-0.4%
|
0.7%
|
|
Manufacturing (5%)
|
-4.4%
|
-4.3%
|
-2.6%
|
-2.8%
|
-2.3%
|
|
Other (non-manufacturing) Goods-Producing (7%)
|
-15.2%
|
-12.6%
|
-4.7%
|
-5.3%
|
-0.4%
|
|
Private Service-Producing (70%)
|
-2.0%
|
-1.5%
|
0.3%
|
-0.3%
|
0.9%
|
|
Government (19%)
|
1.1%
|
0.7%
|
1.9%
|
1.9%
|
1.5%
|
|
Unemployment Rate (% of labor force)
|
7.1%
|
6.6%
|
4.1%
|
4.4%
|
3.5%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-12.4%
|
-36.0%
|
-39.2%
|
-38.8%
|
-27.2%
|
|
Multifamily Building Permits
|
-78.9%
|
-53.5%
|
-34.6%
|
-19.8%
|
-27.5%
|
|
Home Price Index
|
-8.7%
|
-7.7%
|
-5.1%
|
-5.7%
|
2.4%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.42
|
3.96
|
2.94
|
3.09
|
2.37
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
99
|
100
|
104
|
101
|
105
|
|
Total Assets (in millions)
|
36,752
|
42,138
|
43,375
|
41,790
|
41,827
|
|
New Institutions (# < 3 years)
|
2
|
2
|
4
|
2
|
4
|
|
Subchapter S Institutions
|
5
|
5
|
5
|
5
|
6
|
| |
|
|
|
|
|
|
Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
4.49
|
4.51
|
3.03
|
3.87
|
1.81
|
|
Noncurrent Loans / Total Loans (median %)
|
2.43
|
2.34
|
1.01
|
1.92
|
0.69
|
|
ALLL/Total Loans (median %)
|
1.00
|
0.98
|
0.88
|
0.95
|
0.88
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.46
|
0.46
|
0.58
|
0.51
|
1.14
|
|
Net Loan Losses / Total Loans (median %)
|
0.29
|
0.11
|
0.04
|
0.17
|
0.02
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.76
|
9.90
|
10.01
|
9.97
|
10.09
|
|
Return on Assets (median %)
|
0.15
|
0.29
|
0.48
|
0.26
|
0.55
|
|
Pretax Return on Assets (median %)
|
0.22
|
0.35
|
0.59
|
0.34
|
0.78
|
|
Net Interest Margin (median %)
|
3.33
|
3.25
|
3.49
|
3.53
|
3.73
|
|
Yield on Earning Assets (median %)
|
5.51
|
5.58
|
6.14
|
6.09
|
6.78
|
|
Cost of Funding Earning Assets (median %)
|
2.13
|
2.22
|
2.68
|
2.67
|
3.33
|
|
Provisions to Avg. Assets (median %)
|
0.35
|
0.23
|
0.13
|
0.33
|
0.09
|
|
Noninterest Income to Avg. Assets (median %)
|
0.33
|
0.29
|
0.30
|
0.28
|
0.33
|
|
Overhead to Avg. Assets (median %)
|
2.91
|
2.66
|
2.66
|
2.72
|
2.85
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Net Loans to Assets (median %)
|
74.2
|
74.8
|
75.0
|
75.1
|
74.2
|
|
Noncore Funding to Assets (median %)
|
24.6
|
27.2
|
25.2
|
28.3
|
24.0
|
|
Long-term Assets to Assets (median %, call filers)
|
22.1
|
21.7
|
21.6
|
20.8
|
19.4
|
|
Brokered Deposits (number of institutions)
|
53
|
56
|
45
|
53
|
44
|
|
Brokered Deposits to Assets (median % for those above)
|
6.5
|
6.3
|
6.9
|
6.8
|
5.5
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
59.1
|
59.8
|
54.4
|
57.1
|
57.8
|
|
Commercial Real Estate
|
294.7
|
295.7
|
284.0
|
284.5
|
291.4
|
|
Construction & Development
|
72.3
|
66.2
|
72.8
|
65.1
|
71.4
|
|
Multifamily Residential Real Estate
|
6.3
|
5.9
|
4.4
|
5.8
|
5.5
|
|
Nonresidential Real Estate
|
183.5
|
180.1
|
159.0
|
173.5
|
154.1
|
|
Residential Real Estate
|
291.5
|
290.3
|
271.4
|
287.7
|
271.3
|
|
Consumer
|
8.2
|
7.7
|
8.8
|
8.7
|
10.9
|
|
Agriculture
|
2.6
|
2.3
|
1.3
|
1.8
|
0.3
|
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BANKING PROFILE
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