Missouri 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
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-0.4%
|
-0.6%
|
-3.9%
|
-1.4%
|
-3.8%
|
|
Manufacturing (9%)
|
0.2%
|
-2.2%
|
-13.1%
|
-4.4%
|
-12.2%
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|
Other (non-manufacturing) Goods-Producing (4%)
|
-5.8%
|
-8.4%
|
-16.9%
|
-10.7%
|
-15.5%
|
|
Private Service-Producing (70%)
|
0.0%
|
0.2%
|
-2.7%
|
-0.6%
|
-2.8%
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|
Government (17%)
|
-1.3%
|
-0.9%
|
0.7%
|
-0.3%
|
1.3%
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Unemployment Rate (% of labor force)
|
9.6%
|
9.6%
|
9.7%
|
9.6%
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9.3%
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Other Indicators
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Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-8.9%
|
-14.5%
|
38.3%
|
4.2%
|
-18.7%
|
|
Multifamily Building Permits
|
-39.2%
|
27.9%
|
-1.6%
|
-13.0%
|
-44.9%
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|
Home Price Index
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-0.7%
|
-0.2%
|
-2.6%
|
-2.1%
|
-1.7%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.92
|
5.73
|
5.05
|
5.40
|
5.09
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
336
|
340
|
345
|
336
|
345
|
|
Total Assets (in millions)
|
129,281
|
127,482
|
137,540
|
129,281
|
137,540
|
|
New Institutions (# < 3 years)
|
5
|
4
|
5
|
5
|
5
|
|
Subchapter S Institutions
|
127
|
128
|
125
|
127
|
125
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|
|
|
|
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Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.87
|
2.84
|
2.70
|
2.87
|
2.70
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|
Noncurrent Loans / Total Loans (median %)
|
1.49
|
1.36
|
1.32
|
1.49
|
1.32
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ALLL/Total Loans (median %)
|
1.59
|
1.57
|
1.52
|
1.59
|
1.52
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|
ALLL/Noncurrent Loans (median multiple)
|
0.98
|
0.99
|
1.10
|
0.98
|
1.10
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|
Net Loan Losses / Total Loans (median %)
|
0.42
|
0.19
|
0.35
|
0.37
|
0.42
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.42
|
9.43
|
9.18
|
9.42
|
9.18
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Return on Assets (median %)
|
0.73
|
0.82
|
0.51
|
0.74
|
0.59
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Pretax Return on Assets (median %)
|
0.82
|
1.02
|
0.62
|
0.92
|
0.70
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Net Interest Margin (median %)
|
3.98
|
3.96
|
3.89
|
3.95
|
3.79
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Yield on Earning Assets (median %)
|
5.19
|
5.27
|
5.52
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5.28
|
5.63
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Cost of Funding Earning Assets (median %)
|
1.21
|
1.32
|
1.66
|
1.34
|
1.89
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Provisions to Avg. Assets (median %)
|
0.33
|
0.26
|
0.40
|
0.38
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0.42
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Noninterest Income to Avg. Assets (median %)
|
0.58
|
0.61
|
0.58
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0.61
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0.58
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Overhead to Avg. Assets (median %)
|
3.01
|
2.88
|
3.06
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2.89
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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
|
2009
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Net Loans to Assets (median %)
|
66.9
|
69.3
|
68.8
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66.9
|
68.8
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Noncore Funding to Assets (median %)
|
19.5
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20.5
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21.2
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19.5
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21.2
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Long-term Assets to Assets (median %, call filers)
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16.0
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14.6
|
13.0
|
16.0
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13.0
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Brokered Deposits (number of institutions)
|
127
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128
|
136
|
127
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136
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Brokered Deposits to Assets (median % for those above)
|
2.7
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3.3
|
3.6
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2.7
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3.6
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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
|
63.0
|
64.4
|
66.0
|
63.0
|
66.0
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Commercial Real Estate
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198.5
|
200.9
|
211.6
|
198.5
|
211.6
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Construction & Development
|
29.7
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31.6
|
38.5
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29.7
|
38.5
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Multifamily Residential Real Estate
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8.0
|
8.7
|
7.1
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8.0
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7.1
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Nonresidential Real Estate
|
150.6
|
144.8
|
153.1
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150.6
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153.1
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Residential Real Estate
|
190.4
|
188.2
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190.2
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190.4
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190.2
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Consumer
|
25.8
|
25.7
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27.2
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25.8
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27.2
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Agriculture
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70.3
|
75.2
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73.3
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70.3
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73.3
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BANKING PROFILE
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