Louisiana 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)
|
0.0%
|
-0.5%
|
-2.9%
|
-0.9%
|
-1.9%
|
|
Manufacturing (7%)
|
0.2%
|
-2.4%
|
-8.8%
|
-3.1%
|
-7.0%
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|
Other (non-manufacturing) Goods-Producing (9%)
|
-1.3%
|
-3.0%
|
-8.6%
|
-4.3%
|
-4.2%
|
|
Private Service-Producing (64%)
|
1.1%
|
0.3%
|
-2.6%
|
-0.2%
|
-1.8%
|
|
Government (19%)
|
-2.9%
|
-1.4%
|
1.2%
|
-0.8%
|
1.3%
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Unemployment Rate (% of labor force)
|
7.7%
|
7.7%
|
7.1%
|
7.5%
|
6.6%
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|
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Other Indicators
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Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-1.3%
|
-18.3%
|
28.7%
|
-5.7%
|
-2.5%
|
|
Multifamily Building Permits
|
102.4%
|
-6.2%
|
-51.2%
|
-39.1%
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-63.6%
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|
Home Price Index
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-0.7%
|
-0.1%
|
-0.1%
|
-1.4%
|
0.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.70
|
4.40
|
3.80
|
4.06
|
3.99
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
156
|
157
|
158
|
156
|
158
|
|
Total Assets (in millions)
|
62,744
|
62,201
|
60,418
|
62,744
|
60,418
|
|
New Institutions (# < 3 years)
|
2
|
2
|
1
|
2
|
1
|
|
Subchapter S Institutions
|
62
|
62
|
60
|
62
|
60
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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 %)
|
3.21
|
3.02
|
3.22
|
3.21
|
3.22
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|
Noncurrent Loans / Total Loans (median %)
|
1.62
|
1.56
|
1.38
|
1.62
|
1.38
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ALLL/Total Loans (median %)
|
1.30
|
1.32
|
1.21
|
1.30
|
1.21
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ALLL/Noncurrent Loans (median multiple)
|
0.74
|
0.75
|
0.80
|
0.74
|
0.80
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Net Loan Losses / Total Loans (median %)
|
0.18
|
0.14
|
0.24
|
0.20
|
0.20
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
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|
Tier 1 Leverage (median %)
|
9.93
|
10.18
|
9.76
|
9.93
|
9.76
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Return on Assets (median %)
|
0.87
|
1.09
|
0.85
|
0.93
|
0.98
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Pretax Return on Assets (median %)
|
1.02
|
1.31
|
1.03
|
1.23
|
1.20
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Net Interest Margin (median %)
|
4.10
|
4.29
|
4.32
|
4.21
|
4.24
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Yield on Earning Assets (median %)
|
5.20
|
5.45
|
5.67
|
5.37
|
5.78
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Cost of Funding Earning Assets (median %)
|
0.99
|
1.07
|
1.33
|
1.09
|
1.49
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Provisions to Avg. Assets (median %)
|
0.23
|
0.19
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0.24
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0.20
|
0.23
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Noninterest Income to Avg. Assets (median %)
|
0.74
|
0.74
|
0.75
|
0.75
|
0.76
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Overhead to Avg. Assets (median %)
|
3.35
|
3.28
|
3.46
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3.30
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3.37
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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 %)
|
60.6
|
62.5
|
63.0
|
60.6
|
63.0
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Noncore Funding to Assets (median %)
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20.9
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21.4
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23.1
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20.9
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23.1
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Long-term Assets to Assets (median %, call filers)
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16.9
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15.1
|
15.0
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16.9
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15.0
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Brokered Deposits (number of institutions)
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37
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40
|
40
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37
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40
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Brokered Deposits to Assets (median % for those above)
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2.4
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2.3
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1.8
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2.4
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1.8
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q4-10
|
Q3-10
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Q4-09
|
2010
|
2009
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Commercial and Industrial
|
57.6
|
57.3
|
63.4
|
57.6
|
63.4
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Commercial Real Estate
|
180.4
|
185.8
|
197.1
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180.4
|
197.1
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Construction & Development
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40.6
|
40.6
|
48.1
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40.6
|
48.1
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Multifamily Residential Real Estate
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5.2
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5.3
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6.2
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5.2
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6.2
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Nonresidential Real Estate
|
131.8
|
132.2
|
137.1
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131.8
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137.1
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Residential Real Estate
|
173.5
|
179.0
|
174.8
|
173.5
|
174.8
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Consumer
|
37.9
|
38.6
|
45.4
|
37.9
|
45.4
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Agriculture
|
12.1
|
12.8
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11.1
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12.1
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11.1
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BANKING PROFILE
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