Texas at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
2.0%
|
1.2%
|
-3.6%
|
0.3%
|
-2.8%
|
|
Manufacturing (8%)
|
0.4%
|
-0.9%
|
-11.2%
|
-3.2%
|
-9.4%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
5.0%
|
0.0%
|
-16.1%
|
-3.0%
|
-11.5%
|
|
Private Service-Producing (67%)
|
2.0%
|
1.4%
|
-2.6%
|
0.7%
|
-2.2%
|
|
Government (18%)
|
1.2%
|
2.2%
|
2.5%
|
2.1%
|
2.4%
|
|
Unemployment Rate (% of labor force)
|
8.3%
|
8.2%
|
8.1%
|
8.2%
|
7.5%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-15.6%
|
-21.7%
|
22.0%
|
-0.8%
|
-15.6%
|
|
Multifamily Building Permits
|
70.2%
|
84.3%
|
-72.8%
|
13.8%
|
-66.2%
|
|
Home Price Index
|
-0.5%
|
-0.2%
|
-0.1%
|
-0.9%
|
1.0%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.11
|
2.24
|
2.11
|
2.14
|
2.05
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
615
|
623
|
629
|
615
|
629
|
|
Total Assets (in millions)
|
374,840
|
374,095
|
371,508
|
374,840
|
371,508
|
|
New Institutions (# < 3 years)
|
11
|
17
|
34
|
11
|
34
|
|
Subchapter S Institutions
|
283
|
291
|
292
|
283
|
292
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.10
|
1.96
|
2.08
|
2.10
|
2.08
|
|
Noncurrent Loans / Total Loans (median %)
|
0.86
|
0.78
|
0.68
|
0.86
|
0.68
|
|
ALLL/Total Loans (median %)
|
1.43
|
1.39
|
1.31
|
1.43
|
1.31
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.29
|
1.33
|
1.33
|
1.29
|
1.33
|
|
Net Loan Losses / Total Loans (median %)
|
0.14
|
0.11
|
0.22
|
0.21
|
0.24
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.59
|
9.71
|
9.36
|
9.59
|
9.36
|
|
Return on Assets (median %)
|
0.76
|
0.99
|
0.67
|
0.88
|
0.86
|
|
Pretax Return on Assets (median %)
|
0.89
|
1.19
|
0.79
|
1.05
|
0.97
|
|
Net Interest Margin (median %)
|
4.01
|
4.07
|
4.17
|
4.03
|
4.10
|
|
Yield on Earning Assets (median %)
|
4.91
|
5.04
|
5.35
|
5.02
|
5.48
|
|
Cost of Funding Earning Assets (median %)
|
0.86
|
0.92
|
1.17
|
0.95
|
1.32
|
|
Provisions to Avg. Assets (median %)
|
0.17
|
0.18
|
0.31
|
0.20
|
0.28
|
|
Noninterest Income to Avg. Assets (median %)
|
0.68
|
0.69
|
0.71
|
0.69
|
0.71
|
|
Overhead to Avg. Assets (median %)
|
3.30
|
3.18
|
3.37
|
3.22
|
3.29
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Net Loans to Assets (median %)
|
56.2
|
57.7
|
58.4
|
56.2
|
58.4
|
|
Noncore Funding to Assets (median %)
|
21.7
|
22.3
|
23.3
|
21.7
|
23.3
|
|
Long-term Assets to Assets (median %, call filers)
|
22.8
|
22.4
|
21.2
|
22.8
|
21.2
|
|
Brokered Deposits (number of institutions)
|
160
|
163
|
182
|
160
|
182
|
|
Brokered Deposits to Assets (median % for those above)
|
2.7
|
2.7
|
3.5
|
2.7
|
3.5
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Commercial and Industrial
|
76.7
|
75.7
|
79.3
|
76.7
|
79.3
|
|
Commercial Real Estate
|
176.0
|
184.6
|
185.4
|
176.0
|
185.4
|
|
Construction & Development
|
36.2
|
36.8
|
38.9
|
36.2
|
38.9
|
|
Multifamily Residential Real Estate
|
3.1
|
3.1
|
2.5
|
3.1
|
2.5
|
|
Nonresidential Real Estate
|
125.5
|
127.1
|
128.2
|
125.5
|
128.2
|
|
Residential Real Estate
|
107.4
|
106.1
|
106.5
|
107.4
|
106.5
|
|
Consumer
|
35.8
|
38.1
|
42.7
|
35.8
|
42.7
|
|
Agriculture
|
30.1
|
30.8
|
30.9
|
30.1
|
30.9
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
