Indiana 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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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Total Nonfarm (share of trailing four quarter employment in parentheses)
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0.9%
|
1.5%
|
-4.9%
|
0.2%
|
-5.7%
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Manufacturing (16%)
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2.6%
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4.2%
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-12.2%
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1.1%
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-15.3%
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Other (non-manufacturing) Goods-Producing (4%)
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-0.5%
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-0.5%
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-15.9%
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-4.1%
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-15.9%
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Private Service-Producing (64%)
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1.3%
|
1.1%
|
-3.3%
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0.4%
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-3.5%
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Government (16%)
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-2.1%
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1.0%
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0.2%
|
0.0%
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-0.5%
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Unemployment Rate (% of labor force)
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9.6%
|
10.0%
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10.6%
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10.2%
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10.4%
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Other Indicators
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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Single-Family Home Permits
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-19.8%
|
-12.2%
|
21.3%
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1.0%
|
-17.1%
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Multifamily Building Permits
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9.0%
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-2.5%
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-42.0%
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3.3%
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-41.5%
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Home Price Index
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-0.1%
|
0.3%
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-1.1%
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-1.6%
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-0.9%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
6.02
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7.39
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6.72
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7.18
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7.36
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
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2010
|
2009
|
|
Institutions (#)
|
146
|
146
|
148
|
146
|
148
|
|
Total Assets (in millions)
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66,327
|
67,207
|
67,621
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66,327
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67,621
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New Institutions (# < 3 years)
|
0
|
0
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0
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0
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0
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Subchapter S Institutions
|
18
|
19
|
20
|
18
|
20
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|
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Asset Quality
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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.82
|
3.68
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3.90
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3.82
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3.90
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Noncurrent Loans / Total Loans (median %)
|
2.30
|
2.25
|
1.98
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2.30
|
1.98
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ALLL/Total Loans (median %)
|
1.47
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1.48
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1.33
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1.47
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1.33
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ALLL/Noncurrent Loans (median multiple)
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0.70
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0.68
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0.70
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0.70
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0.70
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Net Loan Losses / Total Loans (median %)
|
0.48
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0.33
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0.52
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0.55
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0.48
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Capital / Earnings
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Q4-10
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Q3-10
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Q4-09
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2010
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2009
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Tier 1 Leverage (median %)
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9.42
|
9.46
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9.24
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9.42
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9.24
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Return on Assets (median %)
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0.61
|
0.68
|
0.41
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0.59
|
0.45
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Pretax Return on Assets (median %)
|
0.73
|
0.90
|
0.46
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0.72
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0.59
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Net Interest Margin (median %)
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3.83
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3.76
|
3.72
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3.75
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3.68
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Yield on Earning Assets (median %)
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5.08
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5.16
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5.39
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5.17
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5.51
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Cost of Funding Earning Assets (median %)
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1.26
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1.41
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1.67
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1.44
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1.89
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Provisions to Avg. Assets (median %)
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0.43
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0.37
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0.50
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0.45
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0.48
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Noninterest Income to Avg. Assets (median %)
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0.72
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0.73
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0.67
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0.66
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0.68
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Overhead to Avg. Assets (median %)
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3.04
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2.94
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3.01
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2.97
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2.97
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Liquidity / Sensitivity
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Q4-10
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Q3-10
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Q4-09
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2010
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2009
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Net Loans to Assets (median %)
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67.3
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68.3
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69.6
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67.3
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69.6
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Noncore Funding to Assets (median %)
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21.5
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22.5
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24.1
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21.5
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24.1
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Long-term Assets to Assets (median %, call filers)
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33.1
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31.6
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30.7
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33.1
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30.7
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Brokered Deposits (number of institutions)
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60
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61
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64
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60
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64
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Brokered Deposits to Assets (median % for those above)
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3.8
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4.0
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4.2
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3.8
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4.2
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Commercial and Industrial
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52.6
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54.8
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58.1
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52.6
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58.1
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Commercial Real Estate
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166.7
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168.5
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176.3
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166.7
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176.3
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Construction & Development
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23.6
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21.2
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27.0
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23.6
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27.0
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Multifamily Residential Real Estate
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8.9
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8.9
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9.6
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8.9
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9.6
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Nonresidential Real Estate
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122.4
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123.3
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131.9
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122.4
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131.9
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Residential Real Estate
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244.1
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244.6
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258.8
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244.1
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258.8
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Consumer
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22.7
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23.4
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27.0
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22.7
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27.0
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Agriculture
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40.7
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40.4
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40.9
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40.7
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40.9
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BANKING PROFILE
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