Illinois 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
|
Q3-10
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Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.6%
|
0.1%
|
-5.0%
|
-0.8%
|
-4.9%
|
|
Manufacturing (10%)
|
0.7%
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-0.3%
|
-13.1%
|
-3.1%
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-12.3%
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|
Other (non-manufacturing) Goods-Producing (4%)
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-3.5%
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-7.5%
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-16.3%
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-8.3%
|
-15.5%
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|
Private Service-Producing (71%)
|
1.1%
|
0.6%
|
-4.0%
|
-0.2%
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-4.1%
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Government (15%)
|
-0.5%
|
-0.2%
|
0.0%
|
-0.1%
|
0.2%
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Unemployment Rate (% of labor force)
|
9.4%
|
10.0%
|
11.0%
|
10.3%
|
10.0%
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Other Indicators
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Q4-10
|
Q3-10
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Q4-09
|
2010
|
2009
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|
Single-Family Home Permits
|
-18.5%
|
-22.4%
|
-2.4%
|
-6.3%
|
-32.7%
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|
Multifamily Building Permits
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71.4%
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-25.8%
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-48.8%
|
26.2%
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-70.4%
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|
Home Price Index
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-1.1%
|
-1.3%
|
-6.1%
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-4.0%
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-5.3%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.74
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6.22
|
5.68
|
6.20
|
5.54
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
607
|
609
|
630
|
607
|
630
|
|
Total Assets (in millions)
|
327,303
|
322,421
|
331,109
|
327,303
|
331,109
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New Institutions (# < 3 years)
|
4
|
6
|
11
|
4
|
11
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Subchapter S Institutions
|
223
|
223
|
228
|
223
|
228
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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 %)
|
3.53
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3.48
|
3.46
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3.53
|
3.46
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Noncurrent Loans / Total Loans (median %)
|
2.00
|
1.98
|
1.74
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2.00
|
1.74
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ALLL/Total Loans (median %)
|
1.34
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1.31
|
1.28
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1.34
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1.28
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ALLL/Noncurrent Loans (median multiple)
|
0.64
|
0.60
|
0.63
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0.64
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0.63
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Net Loan Losses / Total Loans (median %)
|
0.37
|
0.23
|
0.49
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0.48
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0.46
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Capital / Earnings
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Q4-10
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Q3-10
|
Q4-09
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2010
|
2009
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|
Tier 1 Leverage (median %)
|
9.19
|
9.28
|
9.05
|
9.19
|
9.05
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Return on Assets (median %)
|
0.55
|
0.71
|
0.28
|
0.61
|
0.44
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Pretax Return on Assets (median %)
|
0.65
|
0.85
|
0.27
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0.71
|
0.51
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Net Interest Margin (median %)
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3.59
|
3.61
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3.54
|
3.59
|
3.48
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Yield on Earning Assets (median %)
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4.81
|
4.92
|
5.19
|
4.93
|
5.35
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Cost of Funding Earning Assets (median %)
|
1.19
|
1.30
|
1.65
|
1.33
|
1.86
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Provisions to Avg. Assets (median %)
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0.34
|
0.26
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0.53
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0.33
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0.44
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Noninterest Income to Avg. Assets (median %)
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0.49
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0.48
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0.46
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0.48
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0.49
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Overhead to Avg. Assets (median %)
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2.85
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2.71
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2.88
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2.74
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2.76
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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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61.4
|
61.9
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63.7
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61.4
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63.7
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Noncore Funding to Assets (median %)
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19.1
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19.8
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20.7
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19.1
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20.7
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Long-term Assets to Assets (median %, call filers)
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20.1
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19.3
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19.3
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20.1
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19.3
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Brokered Deposits (number of institutions)
|
247
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251
|
260
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247
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260
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Brokered Deposits to Assets (median % for those above)
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4.6
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4.5
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5.4
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4.6
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5.4
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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
|
61.4
|
60.8
|
65.2
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61.4
|
65.2
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Commercial Real Estate
|
151.0
|
158.0
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163.7
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151.0
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163.7
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Construction & Development
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16.5
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17.6
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21.9
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16.5
|
21.9
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Multifamily Residential Real Estate
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12.4
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11.6
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11.7
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12.4
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11.7
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Nonresidential Real Estate
|
105.1
|
104.9
|
109.0
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105.1
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109.0
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Residential Real Estate
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164.6
|
165.9
|
172.5
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164.6
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172.5
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Consumer
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23.0
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24.0
|
26.2
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23.0
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26.2
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Agriculture
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57.8
|
55.1
|
56.3
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57.8
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56.3
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BANKING PROFILE
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