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Home > Industry Analysis > Research & Analysis > FDIC State Profiles |
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FDIC State Profiles 'At a Glance' Sources and Calculation Methodologies Economic Indicators 1 Manufacturing - The percent change in manufacturing employment from one year ago (not seasonally adjusted). Other (non-Manufacturing) Goods-Producing - The percent change in non-manufacturing employment, typically mining and construction employment, from one year ago (not seasonally adjusted). Private Service-Producing - The percent change in non-governmental service employment from one year ago (not seasonally adjusted). Government - The percent change in governmental employment from one year ago (not seasonally adjusted). Unemployment Rate - The number of unemployed divided by the civilian labor force (seasonally adjusted). Personal Income - The percent change in total personal income from one year ago (seasonally adjusted). Single-Family Home Permits - The percent change from one year ago in new privately-owned single-family housing units authorized. Multifamily Building Permits - The percent change from one year ago in new privately-owned multifamily building permits authorized. Existing Home Sales - The percent change from one year ago in existing home sales of single-family, apartment condos, and co-ops (seasonally adjusted). Home Price Index - The percent change from one year-ago in the home price index (1980 Q1=100). Bankruptcy Filings per 1000 People - Annualized quarterly bankruptcy filings per 1000 people.Source: Administrative Office of the U.S. Courts Banking Trends 2 Institutions (#) - The number of FDIC-insured institutions headquartered in the state as of the end of the listed period. Source: The FDIC's Research Information System Total Assets (in millions) - The total reported assets for institutions headquartered in the state as of the end of the listed period. New Institutions (# < 3 years) - The number of new FDIC-insured institutions headquartered in the state as of the end of the listed period. New institutions are insured institutions that were established within the past three years. Subchapter S Institutions - The number of FDIC-insured Subchapter S Corporations headquartered in the state as of the end of the listed period. A Subchapter S corporation is treated as a pass-through entity, similar to a partnership, for federal income tax purposes. It is generally not subject to any federal income taxes at the corporate level. Its taxable income flows through to its shareholders in proportion to their stock ownership, and the shareholders generally pay federal income taxes on their share of this taxable income. This can have the effect of reducing institutions' reported taxes and increasing their after-tax earnings. The election of Subchapter S status may result in an increase in shareholders' personal tax liability. Therefore, some S corporations may increase the amount of earnings distributed as dividends to compensate for higher personal taxes. Past-Due and Nonaccrual Loans / Total Loans - The median ratio of the sum of loans and leases that are 30 days or more past-due or in nonaccrual status divided by total loans for FDIC-insured institutions headquartered in the state, as of the end of the listed period. ALLL / Total Loans - The median ratio of the allowance for loan and lease losses on a consolidated basis divided by total loans for FDIC-insured institutions headquartered in the state, as of the end of the listed period. ALLL / Noncurrent Loans - The median ratio of the allowance for loan and lease losses on a consolidated basis divided by loans and leases 90 days or more past due and loans and leases in nonaccrual status for FDIC-insured institutions headquartered in the state, as of the end of the listed period. Net Loan Losses / Total Loans - The median ratio of net loan losses divided by average total loans for FDIC-insured institutions headquartered in the state. Net loans losses are total loans and leases charged-off (removed from the balance sheet because of uncollectibility), less amounts recovered on loans and leases previously charged off. Tier 1 Leverage - The median reported Tier 1 capital ratio for FDIC-insured institutions headquartered in the state as of the end of the listed period. Tier 1 capital is the sum of common stockholders' equity, noncumulative perpetual preferred stock (including any related surplus), and minority interests in consolidated subsidiaries, minus ineligible intangible assets. The Tier 1 Leverage ratio is Tier 1 Capital divided by risk-weighted assets, as calculated in accordance with the FDIC's Statement of Policy on Risk-Based Capital (appendix A to subpart A of Part 325 of the FDIC's Rules and Regulations). Return on Assets - The median ratio of net income (including gains or losses on securities and extraordinary items) as a percentage of average total assets for all FDIC-insured institutions headquartered in the state. Pretax Return on Assets - The median ratio of pre-tax net income as a percent of average total assets for FDIC-insured institutions headquartered in the state. This measure is often useful since Subchapter S institutions will have significantly different return on asset figures than other insured institutions. Net Interest Margin - The median trailing ratio for FDIC-insured institutions headquartered in the state. The net interest margin is the difference between interest and dividends earned on interest-bearing assets and interest paid to depositors and other creditors, expressed as a percentage of average earning assets. Yield on Earning Assets - The median ratio for FDIC-insured institutions headquartered in the state of interest, dividend and fee income earned on loans and investments as a percentage of average earning assets. Cost of Funding Earning Assets - The median ratio for FDIC-insured institutions headquartered in the state of interest expense paid, primarily on deposits and other borrowed money, as a percentage of average earning assets. Provisions to Average Assets - The median ratio for FDIC-insured institutions headquartered in the state of expenses recognized to increase the Allowance for Loan and Lease Losses divided by average assets. Noninterest Income to Average Assets - The median ratio for FDIC-insured institutions headquartered in the state of noninterest income as a percentage of average assets. Overhead to Average Assets - The median ratio for FDIC-insured institutions headquartered in the state of noninterest expense as a percentage of average assets. Loans to Assets - The median ratio for FDIC-insured institutions headquartered in the state of total loans as a percentage of total assets, as of the end of the listed period. Noncore Funding to Assets - The median ratio for FDIC-insured institutions headquartered in the state of the sum of foreign deposits, large time deposits, brokered deposits, and other borrowings as a percentage of assets, as of the end of the listed period. Long-term Assets to Assets - The median ratio for FDIC-insured institutions headquartered in the state of assets that mature or reprice in over five years plus collateralized mortgage obligations with an expected life greater than three years as a percentage of total assets, as of the end of the listed period. This item is not available for institutions that file thrift financial reports. Brokered Deposits (# of Institutions) - The number of FDIC-insured institutions headquartered in the state reporting brokered deposit liabilities, as of the end of the listed period. Brokered Deposits to Assets - For FDIC-insured institutions headquartered in the state that have brokered deposit liabilities, the median ratio of brokered deposits to total assets as of the end of the listed period. Commercial and Industrial Loan Concentration - For FDIC-insured institutions headquartered in the state, the median ratio of commercial and industrial lending divided by Tier 1 capital as of the end of the listed period. Commercial Real Estate Loan Concentration - The median ratio of commercial real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Commercial real estate lending includes construction and development, multifamily, and nonresidential real estate lending. Construction and Development Loan Concentration - The median ratio of construction and development loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Multifamily Residential Real Estate Concentration - The median ratio of multifamily residential real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Nonresidential Real Estate Concentration - The median ratio of nonresidential real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Residential Real Estate Concentration - The median ratio of one-to-four family residential real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Consumer Loan Concentration - The median ratio of consumer loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Agricultural Loan Concentration - The median ratio of agricultural production and agricultural real estate loans divided by Tier 1 capital as of the end of the listed period for FDIC-insured institutions headquartered in the state. Banking Profile Asset Distribution - A distribution of FDIC-insured institutions in the state according to reported assets as of the most recent available call and thrift reports. Footnote: 1. Growth rates in the Economic Indicators section show the percentage change from the year ago quarter in columns one, two, and three. Growth rates in columns four and five show the percentage change from the prior calendar year. 2. Banking trend indicators are end of period data with the exception of net loans losses to total loans and all earnings indicators. For these, quarterly annualized and full year calculations are shown in the first three and last two columns, respectively.
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