Kansas at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.2%
|
0.3%
|
1.8%
|
0.8%
|
1.9%
|
|
Manufacturing (13%)
|
-0.6%
|
-0.5%
|
2.2%
|
0.7%
|
1.9%
|
|
Other (non-manufacturing) Goods-Producing (5%)
|
-2.3%
|
0.0%
|
3.5%
|
0.0%
|
2.1%
|
|
Private Service-Producing (62%)
|
0.1%
|
0.6%
|
1.8%
|
0.9%
|
2.1%
|
|
Government (19%)
|
1.7%
|
-0.1%
|
0.8%
|
0.8%
|
1.5%
|
|
Unemployment Rate (% of labor force)
|
4.8%
|
4.4%
|
4.0%
|
4.4%
|
4.1%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Single-Family Home Permits
|
-50.2%
|
-24.2%
|
-10.1%
|
-38.2%
|
-20.9%
|
|
Multifamily Building Permits
|
-36.6%
|
132.5%
|
-14.6%
|
10.5%
|
-26.9%
|
|
Home Price Index
|
0.5%
|
0.5%
|
2.5%
|
1.2%
|
3.6%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.12
|
3.50
|
2.78
|
3.09
|
2.81
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Institutions (#)
|
348
|
349
|
357
|
348
|
357
|
|
Total Assets (in millions)
|
63,010
|
62,467
|
62,602
|
63,010
|
62,602
|
|
New Institutions (# < 3 years)
|
3
|
4
|
5
|
3
|
5
|
|
Subchapter S Institutions
|
173
|
173
|
170
|
173
|
170
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.04
|
1.86
|
1.62
|
2.04
|
1.62
|
|
ALLL/Total Loans (median %)
|
1.37
|
1.32
|
1.22
|
1.37
|
1.22
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.42
|
1.25
|
1.60
|
1.42
|
1.60
|
|
Net Loan Losses / Total Loans (median %)
|
0.13
|
0.02
|
0.02
|
0.16
|
0.06
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.43
|
9.53
|
9.64
|
9.43
|
9.64
|
|
Return on Assets (median %)
|
0.63
|
0.95
|
0.86
|
0.83
|
1.01
|
|
Pretax Return on Assets (median %)
|
0.74
|
1.15
|
1.05
|
1.04
|
1.23
|
|
Net Interest Margin (median %)
|
4.02
|
4.03
|
4.11
|
4.02
|
4.07
|
|
Yield on Earning Assets (median %)
|
6.03
|
6.26
|
7.04
|
6.33
|
7.00
|
|
Cost of Funding Earning Assets (median %)
|
2.04
|
2.25
|
2.99
|
2.38
|
2.99
|
|
Provisions to Avg. Assets (median %)
|
0.22
|
0.13
|
0.01
|
0.18
|
0.05
|
|
Noninterest Income to Avg. Assets (median %)
|
0.54
|
0.58
|
0.56
|
0.57
|
0.59
|
|
Overhead to Avg. Assets (median %)
|
3.16
|
3.03
|
3.20
|
2.98
|
3.02
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Loans to Assets (median %)
|
62.3
|
62.7
|
63.1
|
62.3
|
63.1
|
|
Noncore Funding to Assets (median %)
|
21.3
|
21.1
|
20.9
|
21.3
|
20.9
|
|
Long-term Assets to Assets (median %, call filers)
|
16.3
|
16.6
|
12.0
|
16.3
|
12.0
|
|
Brokered Deposits (number of institutions)
|
99
|
92
|
89
|
99
|
89
|
|
Brokered Deposits to Assets (median % for those above)
|
4.2
|
4.1
|
4.9
|
4.2
|
4.9
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Commercial and Industrial
|
93.0
|
91.7
|
93.7
|
93.0
|
93.7
|
|
Commercial Real Estate
|
105.7
|
101.5
|
96.9
|
105.7
|
96.9
|
|
Construction & Development
|
19.1
|
20.6
|
17.2
|
19.1
|
17.2
|
|
Multifamily Residential Real Estate
|
1.1
|
1.2
|
0.6
|
1.1
|
0.6
|
|
Nonresidential Real Estate
|
75.1
|
75.1
|
69.9
|
75.1
|
69.9
|
|
Residential Real Estate
|
123.4
|
118.8
|
113.7
|
123.4
|
113.7
|
|
Consumer
|
36.4
|
36.7
|
35.6
|
36.4
|
35.6
|
|
Agriculture
|
152.0
|
144.8
|
145.7
|
152.0
|
145.7
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
