State Profile

New York

Fourth Quarter 2011

ECONOMIC INDICATORS

Employment Growth Rates (change from year ago, unless noted)

Q4-11

Q3-11

Q4-10

2011

2010

Total Nonfarm (share of trailing four quarter employment in parentheses)

Manufacturing (5%)
Other (non-manufacturing) Goods-Producing (4%)
Private Service-Producing (74%)
Government (17%)
Unemployment Rate (% of labor force)

1.2%
-0.6%
1.3%
1.7%
-0.5%
8.2%

1.7%
0.9%
0.5%
2.3%
-0.2%
8.3%

1.1%
-1.0%
-3.1%
2.1%
-1.2%
8.4%

1.4%
0.2%
0.0%
2.2%
-1.5%
8.2%

0.1%
-4.0%
-5.4%
1.0%
-0.8%
8.6%

Other Indicators (change from year ago, unless noted)

Q4-11

Q3-11

Q4-10

2011

2010

Single-Family Home Permits

Multifamily Building Permits
Home Price Index
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)

-27.3%
1.1%
-2.3%
2.16

-20.7%
31.2%
-3.3%
2.34

18.6%
49.6%
0.2%
2.48

-24.7%
26.7%
-2.0%
2.41

9.1%
38.0%
-2.5%
2.77

Q4-11

Q3-11

Q4-10

2011

2010

179
770,483
1
5

180
759,993
2
5

186
643,711
6
5

179
770,483
1
5

186
643,711
6
5

Q4-11

Q3-11

Q4-10

2011

2010

2.90
1.61
1.37
0.82
0.19

2.80
1.57
1.36
0.74
0.09

2.95
1.49
1.41
0.73
0.17

2.90
1.61
1.37
0.82
0.26

2.95
1.49
1.41
0.73
0.26

Capital / Earnings

Q4-11

Q3-11

Q4-10

2011

2010

Tier 1 Leverage (median %)

Return on Assets (median %)
Pretax Return on Assets (median %)
Net Interest Margin (median %)
Yield on Earning Assets (median %)
Cost of Funding Earning Assets (median %)
Provisions to Avg. Assets (median %)
Noninterest Income to Avg. Assets (median %)
Overhead to Avg. Assets (median %)

10.09
0.67
0.89
3.64
4.47
0.75
0.20
0.49
2.92

10.23
0.73
1.00
3.63
4.56
0.81
0.14
0.49
2.88

9.87
0.65
0.85
3.68
4.76
0.98
0.23
0.55
2.90

10.09
0.67
0.93
3.69
4.59
0.81
0.20
0.53
2.83

9.87
0.65
0.87
3.63
4.85
1.09
0.28
0.50
2.88

BANKING TRENDS

General Information
Institutions (#)
Total Assets (in millions)
New Institutions (# < 3 years)
Subchapter S Institutions

Asset Quality
Past-Due and Nonaccrual Loans / Total Loans (median %)
Noncurrent Loans / Total Loans (median %)
ALLL/Total Loans (median %)
ALLL/Noncurrent Loans (median multiple)
Net Loan Losses / Total Loans (median %)

Liquidity/Sensitivity

Q4-11

Q3-11

Q4-10

2011

2010

Net Loans to Assets (median %)

Noncore Funding to Assets (median %)
Long-term Assets to Assets (median %, call filers)
Brokered Deposits (number of institutions)
Brokered Deposits to Assets (median % for those above)

60.29
19.03
30.24
76
3.23

58.79
18.73
29.19
75
2.97

59.56
20.39
29.76
77
2.96

60.29
19.03
30.24
76
3.23

59.56
20.39
29.76
77
2.96

Q4-11

Q3-11

Q4-10

2011

2010

45.71
173.60
10.25
16.97
128.64
179.72
3.44
0.00

45.21
172.63
11.13
18.12
128.48
178.56
3.52
0.00

49.07
175.02
13.18
15.78
121.32
183.62
3.92
0.00

45.71
173.60
10.25
16.97
128.64
179.72
3.44
0.00

49.07
175.02
13.18
15.78
121.32
183.62
3.92
0.00

Loan Concentrations (median % of Total Risk-Based Capital)

Commercial and Industrial
Commercial Real Estate
Construction & Development
Multifamily Residential Real Estate
Nonresidential Real Estate
Residential Real Estate
Consumer
Agriculture

BANKING PROFILE

Largest Deposit Markets (from 2011 Summary of Deposits)

New York-Northern New Jersey-Long Island, NY-NJ-PA
Buffalo-Niagara Falls, NY
Albany-Schenectady-Troy, NY
Rochester, NY
Syracuse, NY

Institutions Deposits ($
in Market
millions)
239
18
27
22
22

1,083,095
26,210
21,140
14,688
10,520

Asset Distribution
< $100 million
$100 million to $250 million
$250 million to $1 billion
$1 billion to $10 billion
> $10 billion

Institutions
22 (12.3%
44 (24.6%
68 (38%
36 (20.1%
9 (5%

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