Kansas at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-0.4%
|
-0.4%
|
-4.4%
|
-1.5%
|
-3.4%
|
|
Manufacturing (12%)
|
-0.7%
|
-1.3%
|
-13.6%
|
-4.6%
|
-10.7%
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|
Other (non-manufacturing) Goods-Producing (5%)
|
-0.6%
|
-3.1%
|
-13.9%
|
-5.8%
|
-11.7%
|
|
Private Service-Producing (63%)
|
-0.2%
|
-0.7%
|
-2.8%
|
-1.1%
|
-2.3%
|
|
Government (20%)
|
-0.6%
|
1.9%
|
-0.4%
|
0.3%
|
0.5%
|
|
Unemployment Rate (% of labor force)
|
6.9%
|
7.0%
|
7.3%
|
7.0%
|
7.1%
|
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|
|
|
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Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-5.8%
|
-11.9%
|
5.4%
|
3.9%
|
-21.9%
|
|
Multifamily Building Permits
|
-87.7%
|
-19.7%
|
154.0%
|
-70.9%
|
11.4%
|
|
Home Price Index
|
0.5%
|
0.4%
|
-0.1%
|
-0.7%
|
0.2%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.42
|
4.11
|
3.63
|
3.84
|
3.76
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
326
|
331
|
339
|
326
|
339
|
|
Total Assets (in millions)
|
62,952
|
60,496
|
62,319
|
62,952
|
62,319
|
|
New Institutions (# < 3 years)
|
1
|
1
|
2
|
1
|
2
|
|
Subchapter S Institutions
|
164
|
167
|
171
|
164
|
171
|
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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 %)
|
1.91
|
2.27
|
2.37
|
1.91
|
2.37
|
|
Noncurrent Loans / Total Loans (median %)
|
0.92
|
1.09
|
1.13
|
0.92
|
1.13
|
|
ALLL/Total Loans (median %)
|
1.59
|
1.58
|
1.52
|
1.59
|
1.52
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|
ALLL/Noncurrent Loans (median multiple)
|
1.39
|
1.32
|
1.21
|
1.39
|
1.21
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|
Net Loan Losses / Total Loans (median %)
|
0.11
|
0.14
|
0.22
|
0.23
|
0.39
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.53
|
9.53
|
9.41
|
9.53
|
9.41
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Return on Assets (median %)
|
0.63
|
0.92
|
0.58
|
0.71
|
0.65
|
|
Pretax Return on Assets (median %)
|
0.70
|
1.02
|
0.62
|
0.83
|
0.80
|
|
Net Interest Margin (median %)
|
3.81
|
3.87
|
3.88
|
3.80
|
3.87
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Yield on Earning Assets (median %)
|
4.93
|
5.10
|
5.34
|
5.05
|
5.50
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Cost of Funding Earning Assets (median %)
|
1.11
|
1.20
|
1.46
|
1.22
|
1.62
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Provisions to Avg. Assets (median %)
|
0.17
|
0.17
|
0.22
|
0.27
|
0.32
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Noninterest Income to Avg. Assets (median %)
|
0.55
|
0.52
|
0.53
|
0.54
|
0.54
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Overhead to Avg. Assets (median %)
|
3.18
|
2.97
|
3.16
|
3.00
|
3.06
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Liquidity / Sensitivity
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
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|
Net Loans to Assets (median %)
|
56.2
|
57.5
|
58.5
|
56.2
|
58.5
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Noncore Funding to Assets (median %)
|
20.1
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20.2
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20.3
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20.1
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20.3
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Long-term Assets to Assets (median %, call filers)
|
21.5
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20.3
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20.3
|
21.5
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20.3
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Brokered Deposits (number of institutions)
|
100
|
103
|
99
|
100
|
99
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|
Brokered Deposits to Assets (median % for those above)
|
2.1
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2.2
|
3.1
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2.1
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3.1
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
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Q4-09
|
2010
|
2009
|
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Commercial and Industrial
|
75.9
|
74.7
|
78.6
|
75.9
|
78.6
|
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Commercial Real Estate
|
88.5
|
86.2
|
95.0
|
88.5
|
95.0
|
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Construction & Development
|
13.1
|
12.2
|
15.3
|
13.1
|
15.3
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Multifamily Residential Real Estate
|
1.6
|
1.5
|
1.6
|
1.6
|
1.6
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Nonresidential Real Estate
|
68.2
|
69.1
|
71.8
|
68.2
|
71.8
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Residential Real Estate
|
112.5
|
113.5
|
111.4
|
112.5
|
111.4
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Consumer
|
28.2
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28.3
|
32.0
|
28.2
|
32.0
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Agriculture
|
139.6
|
136.9
|
140.3
|
139.6
|
140.3
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BANKING PROFILE
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