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