Ohio at a Glance
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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)
|
0.6%
|
0.2%
|
-5.2%
|
-0.8%
|
-5.4%
|
|
Manufacturing (12%)
|
1.7%
|
1.9%
|
-14.2%
|
-1.5%
|
-14.8%
|
|
Other (non-manufacturing) Goods-Producing (4%)
|
-3.0%
|
-4.7%
|
-14.5%
|
-7.3%
|
-13.6%
|
|
Private Service-Producing (69%)
|
0.9%
|
0.5%
|
-3.6%
|
-0.4%
|
-3.9%
|
|
Government (16%)
|
-0.3%
|
-1.0%
|
-1.6%
|
-0.7%
|
-1.0%
|
|
Unemployment Rate (% of labor force)
|
9.6%
|
9.9%
|
10.6%
|
10.1%
|
10.1%
|
| |
|
|
|
|
|
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Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-13.5%
|
-7.7%
|
-19.7%
|
0.8%
|
-35.3%
|
|
Multifamily Building Permits
|
-9.3%
|
38.5%
|
-36.9%
|
16.0%
|
-44.5%
|
|
Home Price Index
|
-0.5%
|
0.0%
|
-1.8%
|
-2.1%
|
-1.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.24
|
6.14
|
5.86
|
5.96
|
5.96
|
| |
|
|
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
239
|
240
|
243
|
239
|
243
|
|
Total Assets (in millions)
|
2,285,857
|
2,282,722
|
2,256,150
|
2,285,857
|
2,256,150
|
|
New Institutions (# < 3 years)
|
0
|
0
|
3
|
0
|
3
|
|
Subchapter S Institutions
|
25
|
25
|
26
|
25
|
26
|
| |
|
|
|
|
|
|
Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.15
|
3.17
|
3.33
|
3.15
|
3.33
|
|
Noncurrent Loans / Total Loans (median %)
|
1.82
|
1.81
|
1.80
|
1.82
|
1.80
|
|
ALLL/Total Loans (median %)
|
1.27
|
1.25
|
1.16
|
1.27
|
1.16
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.62
|
0.65
|
0.58
|
0.62
|
0.58
|
|
Net Loan Losses / Total Loans (median %)
|
0.31
|
0.33
|
0.35
|
0.34
|
0.37
|
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|
|
|
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.41
|
9.52
|
9.33
|
9.41
|
9.33
|
|
Return on Assets (median %)
|
0.59
|
0.64
|
0.47
|
0.59
|
0.48
|
|
Pretax Return on Assets (median %)
|
0.79
|
0.82
|
0.58
|
0.75
|
0.59
|
|
Net Interest Margin (median %)
|
3.77
|
3.76
|
3.73
|
3.77
|
3.63
|
|
Yield on Earning Assets (median %)
|
5.01
|
5.11
|
5.44
|
5.16
|
5.54
|
|
Cost of Funding Earning Assets (median %)
|
1.25
|
1.33
|
1.72
|
1.38
|
1.98
|
|
Provisions to Avg. Assets (median %)
|
0.27
|
0.26
|
0.43
|
0.32
|
0.38
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|
Noninterest Income to Avg. Assets (median %)
|
0.55
|
0.53
|
0.51
|
0.51
|
0.52
|
|
Overhead to Avg. Assets (median %)
|
3.03
|
2.91
|
2.96
|
2.96
|
3.00
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|
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Liquidity / Sensitivity
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Net Loans to Assets (median %)
|
67.9
|
67.7
|
70.1
|
67.9
|
70.1
|
|
Noncore Funding to Assets (median %)
|
19.9
|
20.0
|
21.7
|
19.9
|
21.7
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Long-term Assets to Assets (median %, call filers)
|
30.8
|
30.3
|
30.2
|
30.8
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30.2
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|
Brokered Deposits (number of institutions)
|
84
|
86
|
82
|
84
|
82
|
|
Brokered Deposits to Assets (median % for those above)
|
2.7
|
3.0
|
4.4
|
2.7
|
4.4
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| |
|
|
|
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Commercial and Industrial
|
40.1
|
38.7
|
39.3
|
40.1
|
39.3
|
|
Commercial Real Estate
|
168.3
|
171.1
|
179.1
|
168.3
|
179.1
|
|
Construction & Development
|
12.6
|
12.4
|
15.2
|
12.6
|
15.2
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|
Multifamily Residential Real Estate
|
10.9
|
12.7
|
13.7
|
10.9
|
13.7
|
|
Nonresidential Real Estate
|
111.0
|
114.3
|
122.1
|
111.0
|
122.1
|
|
Residential Real Estate
|
276.3
|
279.2
|
286.2
|
276.3
|
286.2
|
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Consumer
|
19.5
|
19.9
|
22.1
|
19.5
|
22.1
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Agriculture
|
14.4
|
13.2
|
14.5
|
14.4
|
14.5
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BANKING PROFILE
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