Maryland and Washington, D.C. at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.4%
|
0.3%
|
-2.8%
|
-0.4%
|
-2.9%
|
|
Manufacturing (5%)
|
-2.3%
|
-2.0%
|
-6.8%
|
-3.3%
|
-7.5%
|
|
Other (non-manufacturing) Goods-Producing (6%)
|
-3.1%
|
-4.7%
|
-14.2%
|
-7.0%
|
-14.0%
|
|
Private Service-Producing (70%)
|
0.8%
|
0.5%
|
-2.5%
|
-0.1%
|
-2.7%
|
|
Government (20%)
|
0.6%
|
1.8%
|
1.4%
|
1.4%
|
1.3%
|
|
Unemployment Rate (% of labor force)
|
7.4%
|
7.4%
|
7.6%
|
7.5%
|
7.1%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-7.7%
|
-6.2%
|
20.8%
|
5.3%
|
-10.6%
|
|
Multifamily Building Permits
|
-76.2%
|
427.1%
|
211.0%
|
48.5%
|
-50.6%
|
|
Home Price Index
|
-1.4%
|
-1.6%
|
-7.7%
|
-4.2%
|
-8.1%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.61
|
5.25
|
4.78
|
5.03
|
4.44
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
93
|
94
|
96
|
93
|
96
|
|
Total Assets (in millions)
|
36,127
|
36,611
|
36,814
|
36,127
|
36,814
|
|
New Institutions (# < 3 years)
|
2
|
3
|
2
|
2
|
2
|
|
Subchapter S Institutions
|
6
|
6
|
6
|
6
|
6
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
5.47
|
5.25
|
5.84
|
5.47
|
5.84
|
|
Noncurrent Loans / Total Loans (median %)
|
3.00
|
2.90
|
2.33
|
3.00
|
2.33
|
|
ALLL/Total Loans (median %)
|
1.32
|
1.31
|
1.23
|
1.32
|
1.23
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.44
|
0.44
|
0.47
|
0.44
|
0.47
|
|
Net Loan Losses / Total Loans (median %)
|
0.68
|
0.42
|
0.51
|
0.59
|
0.42
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.20
|
9.41
|
9.51
|
9.20
|
9.51
|
|
Return on Assets (median %)
|
0.20
|
0.32
|
0.18
|
0.22
|
0.08
|
|
Pretax Return on Assets (median %)
|
0.23
|
0.50
|
0.23
|
0.36
|
0.10
|
|
Net Interest Margin (median %)
|
3.67
|
3.68
|
3.59
|
3.76
|
3.41
|
|
Yield on Earning Assets (median %)
|
5.08
|
5.19
|
5.39
|
5.15
|
5.52
|
|
Cost of Funding Earning Assets (median %)
|
1.41
|
1.53
|
1.88
|
1.57
|
2.09
|
|
Provisions to Avg. Assets (median %)
|
0.50
|
0.41
|
0.61
|
0.54
|
0.63
|
|
Noninterest Income to Avg. Assets (median %)
|
0.37
|
0.37
|
0.34
|
0.38
|
0.32
|
|
Overhead to Avg. Assets (median %)
|
2.88
|
2.75
|
2.89
|
2.78
|
2.81
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Net Loans to Assets (median %)
|
70.4
|
70.8
|
72.3
|
70.4
|
72.3
|
|
Noncore Funding to Assets (median %)
|
25.5
|
25.2
|
25.7
|
25.5
|
25.7
|
|
Long-term Assets to Assets (median %, call filers)
|
23.1
|
23.3
|
23.9
|
23.1
|
23.9
|
|
Brokered Deposits (number of institutions)
|
51
|
50
|
52
|
51
|
52
|
|
Brokered Deposits to Assets (median % for those above)
|
4.3
|
4.4
|
5.6
|
4.3
|
5.6
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Commercial and Industrial
|
55.0
|
53.2
|
54.2
|
55.0
|
54.2
|
|
Commercial Real Estate
|
283.6
|
276.9
|
288.7
|
283.6
|
288.7
|
|
Construction & Development
|
46.7
|
54.0
|
70.0
|
46.7
|
70.0
|
|
Multifamily Residential Real Estate
|
10.0
|
10.7
|
7.6
|
10.0
|
7.6
|
|
Nonresidential Real Estate
|
193.6
|
193.0
|
191.4
|
193.6
|
191.4
|
|
Residential Real Estate
|
268.1
|
289.6
|
282.4
|
268.1
|
282.4
|
|
Consumer
|
6.5
|
6.7
|
7.3
|
6.5
|
7.3
|
|
Agriculture
|
4.3
|
3.9
|
3.1
|
4.3
|
3.1
|
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|
BANKING PROFILE
|
