Illinois 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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Q4-09
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Q3-09
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Q4-08
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2009
|
2008
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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-5.1%
|
-5.7%
|
-1.6%
|
-4.9%
|
-0.5%
|
|
Manufacturing (10%)
|
-12.8%
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-14.1%
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-4.3%
|
-12.1%
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-2.7%
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|
Other (non-manufacturing) Goods-Producing (4%)
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-15.8%
|
-15.8%
|
-6.8%
|
-14.9%
|
-4.7%
|
|
Private Service-Producing (71%)
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-4.3%
|
-4.8%
|
-1.4%
|
-4.2%
|
-0.1%
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Government (15%)
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-0.1%
|
0.2%
|
0.9%
|
0.2%
|
0.7%
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Unemployment Rate (% of labor force)
|
10.9%
|
10.6%
|
7.3%
|
10.1%
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6.4%
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Other Indicators
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Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Single-Family Home Permits
|
-2.4%
|
-24.9%
|
-53.5%
|
-32.7%
|
-49.4%
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|
Multifamily Building Permits
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-48.8%
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-56.5%
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-59.3%
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-70.4%
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-46.6%
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Home Price Index
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-6.2%
|
-5.5%
|
-3.8%
|
-5.0%
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-2.2%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.65
|
5.66
|
4.34
|
5.51
|
4.23
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BANKING TRENDS
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General Information
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Institutions (#)
|
630
|
638
|
655
|
630
|
655
|
|
Total Assets (in millions)
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331,373
|
333,372
|
366,787
|
331,373
|
366,787
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New Institutions (# < 3 years)
|
11
|
10
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16
|
11
|
16
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Subchapter S Institutions
|
228
|
232
|
235
|
228
|
235
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|
|
|
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Asset Quality
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Q4-09
|
Q3-09
|
Q4-08
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2009
|
2008
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.46
|
3.55
|
3.04
|
3.46
|
3.04
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|
Noncurrent Loans / Total Loans (median %)
|
1.74
|
1.99
|
1.36
|
1.74
|
1.36
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|
ALLL/Total Loans (median %)
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1.28
|
1.25
|
1.12
|
1.28
|
1.12
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ALLL/Noncurrent Loans (median multiple)
|
0.62
|
0.55
|
0.73
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0.62
|
0.73
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Net Loan Losses / Total Loans (median %)
|
0.46
|
0.20
|
0.22
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0.45
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0.18
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Capital / Earnings
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Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
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Tier 1 Leverage (median %)
|
9.09
|
9.20
|
9.20
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9.09
|
9.20
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Return on Assets (median %)
|
0.30
|
0.54
|
0.42
|
0.46
|
0.61
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Pretax Return on Assets (median %)
|
0.30
|
0.65
|
0.49
|
0.52
|
0.72
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Net Interest Margin (median %)
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3.56
|
3.49
|
3.50
|
3.48
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3.49
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Yield on Earning Assets (median %)
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5.21
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5.31
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5.78
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5.35
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6.04
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Cost of Funding Earning Assets (median %)
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1.64
|
1.80
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2.31
|
1.86
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2.58
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Provisions to Avg. Assets (median %)
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0.52
|
0.23
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0.31
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0.41
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0.19
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Noninterest Income to Avg. Assets (median %)
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0.47
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0.49
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0.48
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0.49
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0.50
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Overhead to Avg. Assets (median %)
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2.87
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2.74
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2.78
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2.75
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2.72
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Liquidity / Sensitivity
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Q4-09
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Q3-09
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Q4-08
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2009
|
2008
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Net Loans to Assets (median %)
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63.7
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63.5
|
65.6
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63.7
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65.6
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Noncore Funding to Assets (median %)
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20.7
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21.3
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22.0
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20.7
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22.0
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Long-term Assets to Assets (median %, call filers)
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19.2
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19.1
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18.0
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19.2
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18.0
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Brokered Deposits (number of institutions)
|
260
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262
|
270
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260
|
270
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Brokered Deposits to Assets (median % for those above)
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5.4
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5.9
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6.1
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5.4
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6.1
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q4-09
|
Q3-09
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Q4-08
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2009
|
2008
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Commercial and Industrial
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64.6
|
65.3
|
65.9
|
64.6
|
65.9
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Commercial Real Estate
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162.9
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168.6
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177.5
|
162.9
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177.5
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Construction & Development
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21.8
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24.5
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29.3
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21.8
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29.3
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Multifamily Residential Real Estate
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11.6
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11.4
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9.7
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11.6
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9.7
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Nonresidential Real Estate
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108.8
|
107.1
|
112.7
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108.8
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112.7
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Residential Real Estate
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172.9
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175.0
|
177.7
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172.9
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177.7
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Consumer
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23.9
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24.3
|
25.8
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23.9
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25.8
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Agriculture
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55.8
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51.5
|
52.6
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55.8
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52.6
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BANKING PROFILE
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