Illinois at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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Employment Growth Rates
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Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-1.7%
|
-0.6%
|
0.6%
|
-0.5%
|
0.8%
|
|
Manufacturing (11%)
|
-3.3%
|
-2.3%
|
-1.8%
|
-2.3%
|
-1.2%
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|
Other (non-manufacturing) Goods-Producing (5%)
|
-7.8%
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-3.9%
|
-1.4%
|
-4.8%
|
-1.4%
|
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Private Service-Producing (70%)
|
-1.5%
|
-0.3%
|
1.1%
|
-0.2%
|
1.4%
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|
Government (14%)
|
0.5%
|
0.7%
|
0.8%
|
0.7%
|
0.5%
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Unemployment Rate (% of labor force)
|
7.0%
|
6.7%
|
5.5%
|
6.5%
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5.1%
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Other Indicators
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Q4-08
|
Q3-08
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Q4-07
|
2008
|
2007
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|
Single-Family Home Permits
|
-53.5%
|
-46.8%
|
-35.4%
|
-49.4%
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-35.7%
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|
Multifamily Building Permits
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-59.3%
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-40.0%
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-7.0%
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-46.6%
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-10.5%
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Home Price Index
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-3.0%
|
-2.6%
|
1.6%
|
-1.4%
|
2.8%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.33
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4.37
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3.33
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4.22
|
3.14
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BANKING TRENDS
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General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
|
Institutions (#)
|
655
|
659
|
670
|
655
|
670
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|
Total Assets (in millions)
|
367,085
|
402,988
|
395,562
|
367,085
|
395,562
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New Institutions (# < 3 years)
|
16
|
16
|
25
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16
|
25
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Subchapter S Institutions
|
234
|
233
|
229
|
234
|
229
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|
|
|
|
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Asset Quality
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Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.05
|
2.55
|
2.28
|
3.05
|
2.28
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|
ALLL/Total Loans (median %)
|
1.11
|
1.07
|
1.01
|
1.11
|
1.01
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ALLL/Noncurrent Loans (median multiple)
|
0.70
|
0.76
|
1.01
|
0.70
|
1.01
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Net Loan Losses / Total Loans (median %)
|
0.20
|
0.07
|
0.06
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0.17
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0.07
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Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.29
|
9.50
|
9.62
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9.29
|
9.62
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Return on Assets (median %)
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0.44
|
0.73
|
0.75
|
0.62
|
0.83
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Pretax Return on Assets (median %)
|
0.51
|
0.89
|
0.86
|
0.75
|
1.00
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Net Interest Margin (median %)
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3.50
|
3.55
|
3.50
|
3.49
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3.50
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Yield on Earning Assets (median %)
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5.79
|
6.00
|
6.69
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6.04
|
6.61
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Cost of Funding Earning Assets (median %)
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2.31
|
2.45
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3.19
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2.58
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3.15
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Provisions to Avg. Assets (median %)
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0.30
|
0.11
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0.08
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0.19
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0.08
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Noninterest Income to Avg. Assets (median %)
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0.48
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0.49
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0.49
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0.50
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0.49
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Overhead to Avg. Assets (median %)
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2.76
|
2.65
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2.81
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2.72
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2.71
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Liquidity / Sensitivity
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Q4-08
|
Q3-08
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Q4-07
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2008
|
2007
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Loans to Assets (median %)
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66.3
|
66.6
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65.4
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66.3
|
65.4
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Noncore Funding to Assets (median %)
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22.0
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21.6
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20.1
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22.0
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20.1
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Long-term Assets to Assets (median %, call filers)
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18.0
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18.0
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15.1
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18.0
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15.1
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Brokered Deposits (number of institutions)
|
270
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256
|
248
|
270
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248
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Brokered Deposits to Assets (median % for those above)
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6.1
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4.6
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4.1
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6.1
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4.1
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Loan Concentrations (median % of Tier 1 Capital)
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Q4-08
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Q3-08
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Q4-07
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2008
|
2007
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Commercial and Industrial
|
71.1
|
71.5
|
67.9
|
71.1
|
67.9
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Commercial Real Estate
|
191.0
|
186.5
|
177.5
|
191.0
|
177.5
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Construction & Development
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31.4
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31.0
|
31.2
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31.4
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31.2
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Multifamily Residential Real Estate
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10.1
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9.5
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8.3
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10.1
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8.3
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Nonresidential Real Estate
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119.2
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112.5
|
107.8
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119.2
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107.8
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Residential Real Estate
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193.4
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184.5
|
170.9
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193.4
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170.9
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Consumer
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27.6
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27.5
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30.1
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27.6
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30.1
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Agriculture
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55.5
|
52.4
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52.5
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55.5
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52.5
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BANKING PROFILE
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