Missouri 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)
|
-0.7%
|
-0.2%
|
0.5%
|
-0.1%
|
0.7%
|
Manufacturing (10%)
|
-5.3%
|
-3.4%
|
-2.7%
|
-3.6%
|
-2.2%
|
Other (non-manufacturing) Goods-Producing (5%)
|
-4.7%
|
-5.4%
|
0.3%
|
-4.2%
|
-0.1%
|
Private Service-Producing (68%)
|
-0.1%
|
0.4%
|
0.8%
|
0.5%
|
1.1%
|
Government (16%)
|
1.3%
|
1.5%
|
1.8%
|
1.4%
|
1.4%
|
Unemployment Rate (% of labor force)
|
6.8%
|
6.2%
|
5.3%
|
6.1%
|
5.0%
|
|
|
|
|
|
|
Other Indicators
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Single-Family Home Permits
|
-59.8%
|
-47.4%
|
-25.1%
|
-48.5%
|
-24.8%
|
Multifamily Building Permits
|
-26.6%
|
4.1%
|
-18.1%
|
-13.8%
|
-38.4%
|
Home Price Index
|
-0.5%
|
-0.3%
|
2.0%
|
0.3%
|
2.9%
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.22
|
4.52
|
3.62
|
4.18
|
3.55
|
|
|
|
|
|
|
BANKING TRENDS
|
General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Institutions (#)
|
352
|
353
|
361
|
352
|
361
|
Total Assets (in millions)
|
129,042
|
119,776
|
114,430
|
129,042
|
114,430
|
New Institutions (# < 3 years)
|
11
|
14
|
13
|
11
|
13
|
Subchapter S Institutions
|
124
|
123
|
117
|
124
|
117
|
|
|
|
|
|
|
Asset Quality
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.80
|
2.42
|
2.23
|
2.80
|
2.23
|
ALLL/Total Loans (median %)
|
1.29
|
1.27
|
1.23
|
1.29
|
1.23
|
ALLL/Noncurrent Loans (median multiple)
|
1.07
|
1.23
|
1.53
|
1.07
|
1.53
|
Net Loan Losses / Total Loans (median %)
|
0.31
|
0.16
|
0.13
|
0.26
|
0.13
|
|
|
|
|
|
|
Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Tier 1 Leverage (median %)
|
9.23
|
9.34
|
9.35
|
9.23
|
9.35
|
Return on Assets (median %)
|
0.53
|
0.77
|
0.77
|
0.64
|
0.89
|
Pretax Return on Assets (median %)
|
0.64
|
0.98
|
0.98
|
0.84
|
1.16
|
Net Interest Margin (median %)
|
3.81
|
3.91
|
3.88
|
3.82
|
3.91
|
Yield on Earning Assets (median %)
|
6.07
|
6.31
|
7.20
|
6.42
|
7.20
|
Cost of Funding Earning Assets (median %)
|
2.32
|
2.49
|
3.31
|
2.63
|
3.30
|
Provisions to Avg. Assets (median %)
|
0.36
|
0.19
|
0.13
|
0.27
|
0.13
|
Noninterest Income to Avg. Assets (median %)
|
0.59
|
0.60
|
0.64
|
0.60
|
0.64
|
Overhead to Avg. Assets (median %)
|
3.00
|
2.84
|
2.97
|
2.84
|
2.87
|
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Loans to Assets (median %)
|
72.3
|
73.7
|
71.5
|
72.3
|
71.5
|
Noncore Funding to Assets (median %)
|
22.8
|
22.8
|
20.6
|
22.8
|
20.6
|
Long-term Assets to Assets (median %, call filers)
|
11.6
|
11.8
|
9.6
|
11.6
|
9.6
|
Brokered Deposits (number of institutions)
|
140
|
129
|
119
|
140
|
119
|
Brokered Deposits to Assets (median % for those above)
|
3.5
|
3.0
|
3.6
|
3.5
|
3.6
|
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Commercial and Industrial
|
78.4
|
79.4
|
77.8
|
78.4
|
77.8
|
Commercial Real Estate
|
237.7
|
241.0
|
235.8
|
237.7
|
235.8
|
Construction & Development
|
49.0
|
51.0
|
54.3
|
49.0
|
54.3
|
Multifamily Residential Real Estate
|
7.3
|
7.1
|
5.3
|
7.3
|
5.3
|
Nonresidential Real Estate
|
154.5
|
153.3
|
159.3
|
154.5
|
159.3
|
Residential Real Estate
|
211.8
|
209.0
|
208.6
|
211.8
|
208.6
|
Consumer
|
35.3
|
35.9
|
38.5
|
35.3
|
38.5
|
Agriculture
|
80.3
|
79.1
|
71.7
|
80.3
|
71.7
|
|
|
|
|
|
|
BANKING PROFILE
|