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FDIC State Profiles
 

California at a Glance
ECONOMIC INDICATORS (Change from year ago, unless noted)
Employment Growth Rates Q1-09 Q4-08 Q1-08 2008 2007
Total Nonfarm (share of trailing four quarter employment in parentheses) -3.8% -2.6% -0.2% -1.2% 0.8%
  Manufacturing (9%) -6.3% -3.9% -2.0% -2.7% -1.7%
  Other (non-manufacturing) Goods-Producing (5%) -16.8% -14.0% -8.5% -11.4% -4.1%
  Private Service-Producing (68%) -3.2% -2.2% 0.4% -0.6% 1.3%
  Government (17%) -0.2% 0.3% 1.4% 1.0% 1.7%
Unemployment Rate (% of labor force) 10.6% 8.3% 6.2% 7.2% 5.4%
           
Other Indicators Q1-09 Q4-08 Q1-08 2008 2007
Single-Family Home Permits -48.1% -45.8% -61.4% -51.9% -35.2%
Multifamily Building Permits -58.7% -29.3% -27.1% -28.3% -22.5%
Home Price Index -16.0% -19.5% -11.8% -17.1% -4.3%
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 4.43 3.92 2.68 3.45 1.90
           
BANKING TRENDS
General Information Q1-09 Q4-08 Q1-08 2008 2007
Institutions (#) 310 311 313 311 312
Total Assets (in millions) 463,225 458,482 451,375 458,482 452,353
New Institutions (# < 3 years) 55 56 68 56 71
Subchapter S Institutions 23 23 23 23 26
           
Asset Quality Q1-09 Q4-08 Q1-08 2008 2007
Past-Due and Nonaccrual Loans / Total Loans (median %) 3.55 2.96 1.39 2.96 0.97
ALLL/Total Loans (median %) 1.68 1.56 1.28 1.56 1.25
ALLL/Noncurrent Loans (median multiple) 0.65 0.73 1.21 0.73 1.45
Net Loan Losses / Total Loans (median %) 0.37 0.66 0.00 0.46 0.01
           
Capital / Earnings Q1-09 Q4-08 Q1-08 2008 2007
Tier 1 Leverage (median %) 10.86 10.67 11.18 10.67 11.08
Return on Assets (median %) 0.05 -0.55 0.50 0.00 0.71
Pretax Return on Assets (median %) 0.06 -0.92 0.68 -0.10 1.08
Net Interest Margin (median %) 3.72 3.87 4.16 4.00 4.56
Yield on Earning Assets (median %) 5.51 5.94 6.78 6.26 7.42
Cost of Funding Earning Assets (median %) 1.63 1.93 2.53 2.11 2.93
Provisions to Avg. Assets (median %) 0.71 1.23 0.32 0.95 0.27
Noninterest Income to Avg. Assets (median %) 0.30 0.28 0.39 0.33 0.37
Overhead to Avg. Assets (median %) 3.35 3.36 3.51 3.46 3.49
           
Liquidity / Sensitivity Q1-09 Q4-08 Q1-08 2008 2007
Loans to Assets (median %) 75.5 77.1 75.3 77.1 75.2
Noncore Funding to Assets (median %) 32.4 32.9 27.2 32.9 26.8
Long-term Assets to Assets (median %, call filers) 19.4 19.2 16.6 19.2 15.7
Brokered Deposits (number of institutions) 214 212 161 212 156
  Brokered Deposits to Assets (median % for those above) 8.5 8.8 6.4 8.8 5.7
           
Loan Concentrations (median % of Tier 1 Capital) Q1-09 Q4-08 Q1-08 2008 2007
Commercial and Industrial 115.0 115.1 97.2 115.1 100.1
Commercial Real Estate 421.1 433.9 410.5 433.9 405.7
  Construction & Development 66.8 69.8 74.7 69.8 73.4
  Multifamily Residential Real Estate 17.8 17.4 13.2 17.4 12.7
  Nonresidential Real Estate 270.4 267.4 241.2 267.4 234.3
Residential Real Estate 53.3 49.4 35.9 49.4 34.4
Consumer 4.6 4.8 4.4 4.8 4.5
Agriculture 0.0 0.0 0.0 0.0 0.0
           
BANKING PROFILE
Largest Deposit Markets (from 2008 Summary of Deposits) Institutions in Market Deposits ($ millions)       Asset Distribution Institutions
Los Angeles-Long Beach-Santa Ana, CA 180 308,159   < $250 million 162 (52.3% )
San Francisco-Oakland-Fremont, CA 89 181,316   $250 million to $1 billion 88 (28.4% )
San Jose-Sunnyvale-Santa Clara, CA 56 51,876   $1 billion to $10 billion 50 (16.1% )
San Diego-Carlsbad-San Marcos, CA 65 47,797   > $10 billion 10 (3.2% )
Riverside-San Bernardino-Ontario, CA 70 37,360  
           
 
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