Indiana 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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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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-3.8%
|
-2.1%
|
0.0%
|
-0.9%
|
0.4%
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|
Manufacturing (17%)
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-13.0%
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-7.9%
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-2.7%
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-5.1%
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-2.7%
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Other (non-manufacturing) Goods-Producing (5%)
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-12.9%
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-8.8%
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-1.9%
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-4.9%
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0.5%
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Private Service-Producing (63%)
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-1.4%
|
-0.6%
|
0.5%
|
0.0%
|
1.2%
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Government (15%)
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0.3%
|
1.4%
|
1.7%
|
2.0%
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1.2%
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Unemployment Rate (% of labor force)
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9.6%
|
7.1%
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5.0%
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5.9%
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4.6%
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Other Indicators
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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Single-Family Home Permits
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-38.3%
|
-44.0%
|
-41.3%
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-38.3%
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-19.2%
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Multifamily Building Permits
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-24.0%
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-8.8%
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-22.6%
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-2.0%
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-4.1%
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Home Price Index
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-0.1%
|
0.0%
|
2.1%
|
0.9%
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2.1%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
6.74
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5.94
|
5.33
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6.03
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4.81
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BANKING TRENDS
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General Information
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Q1-09
|
Q4-08
|
Q1-08
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2008
|
2007
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|
Institutions (#)
|
157
|
158
|
161
|
158
|
162
|
|
Total Assets (in millions)
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71,060
|
70,370
|
70,392
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70,370
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71,831
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New Institutions (# < 3 years)
|
1
|
1
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2
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1
|
2
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Subchapter S Institutions
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20
|
18
|
19
|
18
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16
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|
|
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|
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Asset Quality
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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.51
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3.27
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2.47
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3.27
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2.41
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ALLL/Total Loans (median %)
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1.22
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1.21
|
1.07
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1.21
|
1.04
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ALLL/Noncurrent Loans (median multiple)
|
0.67
|
0.70
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0.88
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0.70
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0.97
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Net Loan Losses / Total Loans (median %)
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0.25
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0.30
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0.09
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0.24
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0.15
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Capital / Earnings
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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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Tier 1 Leverage (median %)
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9.50
|
9.45
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9.62
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9.45
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9.56
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Return on Assets (median %)
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0.64
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0.45
|
0.67
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0.54
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0.71
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Pretax Return on Assets (median %)
|
0.83
|
0.52
|
0.93
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0.72
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0.92
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Net Interest Margin (median %)
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3.49
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3.54
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3.45
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3.55
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3.56
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Yield on Earning Assets (median %)
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5.65
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5.96
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6.40
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6.17
|
6.73
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Cost of Funding Earning Assets (median %)
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2.10
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2.36
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2.96
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2.59
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3.30
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Provisions to Avg. Assets (median %)
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0.29
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0.39
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0.15
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0.29
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0.14
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Noninterest Income to Avg. Assets (median %)
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0.62
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0.55
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0.67
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0.64
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0.64
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Overhead to Avg. Assets (median %)
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2.82
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2.88
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2.86
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2.92
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2.89
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Liquidity / Sensitivity
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Loans to Assets (median %)
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71.1
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72.6
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71.1
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72.6
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72.2
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Noncore Funding to Assets (median %)
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24.7
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25.5
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24.7
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25.5
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23.2
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Long-term Assets to Assets (median %, call filers)
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27.5
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28.0
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26.9
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28.0
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25.1
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Brokered Deposits (number of institutions)
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66
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65
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62
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65
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65
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Brokered Deposits to Assets (median % for those above)
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4.5
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6.9
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3.5
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6.9
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3.6
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Loan Concentrations (median % of Tier 1 Capital)
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Commercial and Industrial
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65.7
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68.2
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67.8
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68.2
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69.8
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Commercial Real Estate
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192.1
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195.9
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177.5
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195.9
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178.4
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Construction & Development
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31.3
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30.4
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32.2
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30.4
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34.4
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Multifamily Residential Real Estate
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9.4
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9.4
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7.7
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9.4
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7.7
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Nonresidential Real Estate
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137.2
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139.5
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123.4
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139.5
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120.6
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Residential Real Estate
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286.1
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296.1
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296.2
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296.1
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293.6
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Consumer
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30.3
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31.4
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32.8
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31.4
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34.3
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Agriculture
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40.7
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42.9
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36.3
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42.9
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37.7
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BANKING PROFILE
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