New York at a Glance
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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)
|
0.8%
|
0.2%
|
-2.8%
|
0.0%
|
-2.7%
|
|
Manufacturing (5%)
|
-1.5%
|
-2.1%
|
-11.2%
|
-4.0%
|
-10.5%
|
|
Other (non-manufacturing) Goods-Producing (4%)
|
-4.1%
|
-4.4%
|
-10.9%
|
-5.8%
|
-9.9%
|
|
Private Service-Producing (73%)
|
1.7%
|
1.5%
|
-2.2%
|
0.8%
|
-2.4%
|
|
Government (18%)
|
-1.4%
|
-3.1%
|
-0.2%
|
-0.9%
|
0.5%
|
|
Unemployment Rate (% of labor force)
|
8.3%
|
8.4%
|
8.9%
|
8.5%
|
8.4%
|
| |
|
|
|
|
|
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Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
18.6%
|
-4.8%
|
-4.6%
|
9.1%
|
-24.5%
|
|
Multifamily Building Permits
|
49.6%
|
25.2%
|
-23.7%
|
38.0%
|
-80.6%
|
|
Home Price Index
|
0.0%
|
-0.4%
|
-3.7%
|
-2.5%
|
-3.6%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.45
|
2.77
|
2.78
|
2.74
|
2.77
|
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
186
|
188
|
193
|
186
|
193
|
|
Total Assets (in millions)
|
643,735
|
663,043
|
624,002
|
643,735
|
624,002
|
|
New Institutions (# < 3 years)
|
6
|
7
|
12
|
6
|
12
|
|
Subchapter S Institutions
|
5
|
6
|
5
|
5
|
5
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.95
|
2.63
|
2.87
|
2.95
|
2.87
|
|
Noncurrent Loans / Total Loans (median %)
|
1.49
|
1.48
|
1.46
|
1.49
|
1.46
|
|
ALLL/Total Loans (median %)
|
1.41
|
1.41
|
1.26
|
1.41
|
1.26
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.71
|
0.70
|
0.73
|
0.71
|
0.73
|
|
Net Loan Losses / Total Loans (median %)
|
0.16
|
0.19
|
0.22
|
0.24
|
0.19
|
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|
|
|
|
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.87
|
9.55
|
9.39
|
9.87
|
9.39
|
|
Return on Assets (median %)
|
0.65
|
0.70
|
0.54
|
0.67
|
0.48
|
|
Pretax Return on Assets (median %)
|
0.87
|
0.99
|
0.68
|
0.88
|
0.59
|
|
Net Interest Margin (median %)
|
3.68
|
3.67
|
3.63
|
3.63
|
3.55
|
|
Yield on Earning Assets (median %)
|
4.76
|
4.84
|
5.12
|
4.85
|
5.24
|
|
Cost of Funding Earning Assets (median %)
|
0.98
|
1.05
|
1.33
|
1.09
|
1.52
|
|
Provisions to Avg. Assets (median %)
|
0.22
|
0.22
|
0.26
|
0.27
|
0.26
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|
Noninterest Income to Avg. Assets (median %)
|
0.55
|
0.47
|
0.47
|
0.50
|
0.43
|
|
Overhead to Avg. Assets (median %)
|
2.91
|
2.81
|
3.01
|
2.88
|
2.97
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Liquidity / Sensitivity
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Net Loans to Assets (median %)
|
59.6
|
59.7
|
61.7
|
59.6
|
61.7
|
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Noncore Funding to Assets (median %)
|
20.4
|
19.9
|
21.5
|
20.4
|
21.5
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Long-term Assets to Assets (median %, call filers)
|
29.8
|
28.4
|
26.2
|
29.8
|
26.2
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Brokered Deposits (number of institutions)
|
77
|
77
|
77
|
77
|
77
|
|
Brokered Deposits to Assets (median % for those above)
|
3.0
|
3.5
|
3.9
|
3.0
|
3.9
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|
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Commercial and Industrial
|
49.1
|
46.2
|
43.2
|
49.1
|
43.2
|
|
Commercial Real Estate
|
175.0
|
171.4
|
171.1
|
175.0
|
171.1
|
|
Construction & Development
|
13.2
|
13.8
|
15.7
|
13.2
|
15.7
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Multifamily Residential Real Estate
|
15.8
|
14.9
|
11.7
|
15.8
|
11.7
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|
Nonresidential Real Estate
|
121.3
|
120.3
|
127.5
|
121.3
|
127.5
|
|
Residential Real Estate
|
177.2
|
180.1
|
194.6
|
177.2
|
194.6
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Consumer
|
3.9
|
4.2
|
4.6
|
3.9
|
4.6
|
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Agriculture
|
0.0
|
0.0
|
0.0
|
0.0
|
0.0
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BANKING PROFILE
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