Missouri 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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-1.9%
|
-0.7%
|
0.4%
|
-0.1%
|
0.7%
|
|
Manufacturing (10%)
|
-8.7%
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-5.3%
|
-2.9%
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-3.6%
|
-2.2%
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Other (non-manufacturing) Goods-Producing (5%)
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-8.3%
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-4.7%
|
-2.0%
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-4.2%
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-0.1%
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Private Service-Producing (69%)
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-1.1%
|
-0.1%
|
0.9%
|
0.5%
|
1.1%
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|
Government (16%)
|
1.2%
|
1.3%
|
1.3%
|
1.4%
|
1.4%
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Unemployment Rate (% of labor force)
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8.4%
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6.8%
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5.5%
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6.1%
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5.0%
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Other Indicators
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Q1-09
|
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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-55.4%
|
-59.8%
|
-42.5%
|
-48.5%
|
-24.8%
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|
Multifamily Building Permits
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-56.7%
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-26.6%
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-16.9%
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-13.8%
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-38.4%
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Home Price Index
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-0.5%
|
-0.2%
|
1.3%
|
0.3%
|
2.7%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.51
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4.23
|
3.68
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4.18
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3.55
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BANKING TRENDS
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General Information
|
Q1-09
|
Q4-08
|
Q1-08
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2008
|
2007
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|
Institutions (#)
|
351
|
352
|
358
|
352
|
361
|
|
Total Assets (in millions)
|
130,127
|
128,977
|
115,771
|
128,977
|
114,430
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New Institutions (# < 3 years)
|
10
|
11
|
13
|
11
|
13
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Subchapter S Institutions
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125
|
124
|
121
|
124
|
117
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|
|
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Asset Quality
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Q1-09
|
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 %)
|
3.00
|
2.80
|
2.42
|
2.80
|
2.23
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ALLL/Total Loans (median %)
|
1.35
|
1.30
|
1.24
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1.30
|
1.23
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ALLL/Noncurrent Loans (median multiple)
|
1.03
|
1.11
|
1.27
|
1.11
|
1.53
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Net Loan Losses / Total Loans (median %)
|
0.13
|
0.31
|
0.07
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0.26
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0.13
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
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Tier 1 Leverage (median %)
|
9.18
|
9.21
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9.27
|
9.21
|
9.35
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Return on Assets (median %)
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0.68
|
0.53
|
0.91
|
0.63
|
0.89
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Pretax Return on Assets (median %)
|
0.81
|
0.62
|
1.13
|
0.82
|
1.16
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Net Interest Margin (median %)
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3.67
|
3.81
|
3.75
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3.82
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3.91
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Yield on Earning Assets (median %)
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5.75
|
6.07
|
6.79
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6.42
|
7.20
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Cost of Funding Earning Assets (median %)
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2.10
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2.32
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3.03
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2.63
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3.30
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Provisions to Avg. Assets (median %)
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0.21
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0.36
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0.08
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0.27
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0.13
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Noninterest Income to Avg. Assets (median %)
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0.57
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0.59
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0.62
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0.60
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0.64
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Overhead to Avg. Assets (median %)
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2.83
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3.00
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2.83
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2.84
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2.87
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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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70.2
|
72.1
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71.0
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72.1
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71.5
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Noncore Funding to Assets (median %)
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22.0
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22.8
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21.1
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22.8
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20.6
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Long-term Assets to Assets (median %, call filers)
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11.8
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11.6
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11.2
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11.6
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9.6
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Brokered Deposits (number of institutions)
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144
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140
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122
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140
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119
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Brokered Deposits to Assets (median % for those above)
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3.9
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3.5
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2.6
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3.5
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3.6
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Loan Concentrations (median % of Tier 1 Capital)
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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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Commercial and Industrial
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76.5
|
78.4
|
78.1
|
78.4
|
77.8
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Commercial Real Estate
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230.9
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237.7
|
229.9
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237.7
|
235.8
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Construction & Development
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48.0
|
49.0
|
53.2
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49.0
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54.3
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Multifamily Residential Real Estate
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8.3
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7.3
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5.7
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7.3
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5.3
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Nonresidential Real Estate
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155.1
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154.5
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153.4
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154.5
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159.3
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Residential Real Estate
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211.0
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211.8
|
203.9
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211.8
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208.6
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Consumer
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32.5
|
35.3
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36.9
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35.3
|
38.5
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Agriculture
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77.6
|
80.3
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73.4
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80.3
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71.7
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BANKING PROFILE
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