Oklahoma 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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0.5%
|
-0.4%
|
-4.4%
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-1.0%
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-3.2%
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Manufacturing (8%)
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2.5%
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-1.7%
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-16.3%
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-4.8%
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-13.7%
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Other (non-manufacturing) Goods-Producing (7%)
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6.8%
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2.2%
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-17.7%
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-2.0%
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-11.9%
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Private Service-Producing (62%)
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0.5%
|
-0.2%
|
-3.3%
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-0.7%
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-2.7%
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Government (22%)
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-2.0%
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-1.3%
|
2.6%
|
0.0%
|
3.4%
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Unemployment Rate (% of labor force)
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6.9%
|
7.0%
|
7.2%
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7.1%
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6.6%
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Other Indicators
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Q4-10
|
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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-30.1%
|
-7.3%
|
39.7%
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-5.0%
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-8.6%
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|
Multifamily Building Permits
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-12.3%
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-8.5%
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31.6%
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-4.5%
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-13.0%
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Home Price Index
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-0.3%
|
0.5%
|
1.3%
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-0.3%
|
1.1%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
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3.42
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4.06
|
3.70
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3.87
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3.69
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
248
|
250
|
252
|
248
|
252
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|
Total Assets (in millions)
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79,572
|
79,048
|
78,885
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79,572
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78,885
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New Institutions (# < 3 years)
|
2
|
2
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2
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2
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2
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Subchapter S Institutions
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166
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170
|
170
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166
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170
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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 %)
|
2.50
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2.68
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2.83
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2.50
|
2.83
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Noncurrent Loans / Total Loans (median %)
|
1.08
|
1.34
|
1.24
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1.08
|
1.24
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ALLL/Total Loans (median %)
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1.42
|
1.42
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1.31
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1.42
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1.31
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ALLL/Noncurrent Loans (median multiple)
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1.09
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0.98
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0.98
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1.09
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0.98
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Net Loan Losses / Total Loans (median %)
|
0.28
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0.16
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0.40
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0.31
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0.36
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Capital / Earnings
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Q4-10
|
Q3-10
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Q4-09
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2010
|
2009
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Tier 1 Leverage (median %)
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9.39
|
9.52
|
9.35
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9.39
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9.35
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Return on Assets (median %)
|
0.89
|
1.23
|
0.84
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1.11
|
1.07
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Pretax Return on Assets (median %)
|
1.05
|
1.33
|
0.94
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1.20
|
1.20
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Net Interest Margin (median %)
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4.28
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4.26
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4.39
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4.35
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4.29
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Yield on Earning Assets (median %)
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5.32
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5.39
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5.69
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5.41
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5.74
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Cost of Funding Earning Assets (median %)
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0.99
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1.07
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1.25
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1.08
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1.41
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Provisions to Avg. Assets (median %)
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0.24
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0.19
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0.39
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0.25
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0.34
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Noninterest Income to Avg. Assets (median %)
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0.74
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0.80
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0.82
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0.76
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0.79
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Overhead to Avg. Assets (median %)
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3.41
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3.20
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3.55
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3.24
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3.28
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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
|
2009
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Net Loans to Assets (median %)
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60.3
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60.4
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62.9
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60.3
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62.9
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Noncore Funding to Assets (median %)
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22.7
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23.1
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25.0
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22.7
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25.0
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Long-term Assets to Assets (median %, call filers)
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22.6
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22.7
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20.7
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22.6
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20.7
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Brokered Deposits (number of institutions)
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91
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93
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92
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91
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92
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Brokered Deposits to Assets (median % for those above)
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4.7
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6.0
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5.8
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4.7
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5.8
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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
|
77.3
|
77.5
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80.1
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77.3
|
80.1
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Commercial Real Estate
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149.5
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150.7
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153.8
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149.5
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153.8
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Construction & Development
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23.3
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23.3
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27.1
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23.3
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27.1
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Multifamily Residential Real Estate
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1.8
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1.7
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1.3
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1.8
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1.3
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Nonresidential Real Estate
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110.7
|
111.3
|
111.6
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110.7
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111.6
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Residential Real Estate
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120.5
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122.3
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121.1
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120.5
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121.1
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Consumer
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44.6
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46.6
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50.0
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44.6
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50.0
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Agriculture
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69.2
|
69.0
|
74.8
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69.2
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74.8
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BANKING PROFILE
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