Kentucky 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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1.0%
|
0.6%
|
-3.5%
|
0.0%
|
-4.5%
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Manufacturing (12%)
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1.6%
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0.2%
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-11.8%
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-1.8%
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-13.1%
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Other (non-manufacturing) Goods-Producing (5%)
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-4.9%
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-5.5%
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-12.3%
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-7.8%
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-10.0%
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Private Service-Producing (64%)
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1.3%
|
0.9%
|
-2.5%
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0.4%
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-3.5%
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Government (19%)
|
1.2%
|
2.0%
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1.6%
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2.1%
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0.5%
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Unemployment Rate (% of labor force)
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10.2%
|
10.2%
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11.0%
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10.4%
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10.7%
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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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-23.7%
|
-17.9%
|
16.6%
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-0.8%
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-15.4%
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Multifamily Building Permits
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121.9%
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-21.2%
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-57.0%
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2.6%
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-61.5%
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Home Price Index
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0.3%
|
0.6%
|
-0.6%
|
-0.8%
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-0.1%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.84
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5.66
|
5.39
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5.60
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5.71
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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 (#)
|
198
|
198
|
199
|
198
|
199
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Total Assets (in millions)
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54,693
|
53,926
|
53,560
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54,693
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53,560
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New Institutions (# < 3 years)
|
1
|
1
|
1
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1
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1
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Subchapter S Institutions
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61
|
61
|
62
|
61
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62
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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 %)
|
3.19
|
3.34
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3.42
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3.19
|
3.42
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Noncurrent Loans / Total Loans (median %)
|
1.49
|
1.68
|
1.67
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1.49
|
1.67
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ALLL/Total Loans (median %)
|
1.40
|
1.36
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1.32
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1.40
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1.32
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ALLL/Noncurrent Loans (median multiple)
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0.81
|
0.73
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0.72
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0.81
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0.72
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Net Loan Losses / Total Loans (median %)
|
0.37
|
0.23
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0.42
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0.33
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0.34
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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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9.99
|
10.12
|
9.91
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9.99
|
9.91
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Return on Assets (median %)
|
0.79
|
0.83
|
0.62
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0.80
|
0.68
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Pretax Return on Assets (median %)
|
0.99
|
1.11
|
0.67
|
0.97
|
0.87
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Net Interest Margin (median %)
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3.92
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3.94
|
3.90
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3.90
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3.83
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Yield on Earning Assets (median %)
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5.21
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5.31
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5.60
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5.33
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5.71
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Cost of Funding Earning Assets (median %)
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1.38
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1.50
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1.82
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1.51
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1.97
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Provisions to Avg. Assets (median %)
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0.33
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0.22
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0.39
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0.29
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0.30
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Noninterest Income to Avg. Assets (median %)
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0.69
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0.70
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0.69
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0.70
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0.69
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Overhead to Avg. Assets (median %)
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3.08
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3.07
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3.13
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2.99
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3.13
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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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66.3
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67.9
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66.6
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66.3
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66.6
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Noncore Funding to Assets (median %)
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25.4
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25.3
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26.0
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25.4
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26.0
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Long-term Assets to Assets (median %, call filers)
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27.7
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25.6
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25.9
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27.7
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25.9
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Brokered Deposits (number of institutions)
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53
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56
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60
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53
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60
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Brokered Deposits to Assets (median % for those above)
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3.7
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3.5
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3.6
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3.7
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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
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43.0
|
41.4
|
43.5
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43.0
|
43.5
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Commercial Real Estate
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181.0
|
186.2
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196.3
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181.0
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196.3
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Construction & Development
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25.1
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25.7
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27.8
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25.1
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27.8
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Multifamily Residential Real Estate
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7.7
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7.3
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7.2
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7.7
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7.2
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Nonresidential Real Estate
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132.0
|
131.6
|
135.7
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132.0
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135.7
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Residential Real Estate
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245.2
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251.1
|
249.7
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245.2
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249.7
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Consumer
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32.4
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33.4
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36.2
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32.4
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36.2
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Agriculture
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38.2
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37.4
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40.6
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38.2
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40.6
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BANKING PROFILE
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