community banking
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Community Banking
Team 6Adam EdmondsSteve Hombaker
Ashlee SaxtonAdam Weil
Consumer Markets/Demographics
Source: 2006-2008 American Community Survey 3-Year Estimates, Selected Population Profile, U.S. Census Bureau
Chicago Metropolitan Statistical AreaProjected Population Growth
9,000,000
9,100,000
9,200,000
9,300,000
9,400,000
9,500,000
9,600,000
9,700,000
9,800,000
9,900,000
2009200820072006200520042003200220012000
Year
Pop.
Source: U.S. Census Bureau, Population Division. Release Date: March 2010
Educational Attainment-Chicago Metropolitan Statistical Area
20%
26%
7%
20%
12%7%
8%
Less than 9th grade
9th to 12th grade, nodiploma
High school graduate(includesequivalency)Some college, nodegree
Associate's degree
Bachelor's degree
Graduate orprofessional degree
Source: U.S. Census Bureau, 2006-2008 American Community Survey
Income and Benefits (2008 Inflation-Adjusted Dollars)Chicago Metropolitan Statistical Area
215,898
301,955
299,649
635,680
509,555
195,640
197,885
143,703
434,496
473,779
0 100,000 200,000 300,000 400,000 500,000 600,000 700,000
Less than $10,000
$10,000 to $14,999
$15,000 to $24,999
$25,000 to $34,999
$35,000 to $49,999
$50,000 to $74,999
$75,000 to $99,999
$100,000 to $149,999
$150,000 to $199,999
$200,000 or more
# of Households
Source: U.S. Census Bureau, 2006-2008 American Community Survey
Race/Ethnicity Chicago Metropolitan Statistical Area
6,267,071
1,736,956
52,460
537,889
5,812
1,068,676
White
Black or African American
American Indian and AlaskaNativeAsian
Native Hawaiian and OtherPacific IslanderSome other race
Source: U.S. Census Bureau, 2006-2008 American Community Survey
Language Spoken At Home- Chicago Metropolitan Statistical Area
72%
17%
7%
3%
1%
English only
Spanish
Other Indo-European languages
Asian and Pacific IslanderlanguagesOther languages
Source: U.S. Census Bureau, 2006-2008 American Community Survey
Occupations- Chicago Metropolitan Statistical Area
1,660,667, 35%
719,827, 16%
1,231,274, 27%
6,039, 0%
372,771, 8%
630,153, 14% Management, professional, andrelated occupationsService occupations
Sales and office occupations
Farming, fishing, and forestryoccupationsConstruction, extraction,maintenance and repair occupationsProduction, transportation, andmaterial moving occupations
Source: U.S. Census Bureau, 2006-2008 American Community Survey
Home Values- Chicago Metropolitan Statistical Area
98,642
625,540
655,018
55,047
265,780
360,554
233,772
48,383
0 100,000 200,000 300,000 400,000 500,000 600,000 700,000
Less than $50,000
$50,000 to $99,999
$100,000 to $149,999
$150,000 to $199,999
$200,000 to $299,999
$300,000 to $499,999
$500,000 to $999,999
$1,000,000 or more
# of Homes
Source: U.S. Census Bureau, 2006-2008 American Community Survey
Unemployment Rates
Source: Bureau of Labor Statistics, http://www2.fdic.gov/recon/linechart.asp
Source: American Bankers Association, http://www.aba.com/Press+Room/093009BankFeeSurvey.htm
Consumer Spending for Bank Fees per Month
Source: American Bankers Association, http://www.aba.com/aba/documents
Preferred Banking Methods
Populations of Major Townships in DeKalb County
Source: DeKalb County Clerk’s Office, http://www.co.de-kalb.il.us
Competition
Total Number of ATM Transactions in the U.S.
Source: American Bankers Association, http://www.aba.com/aba/documents
Number of Institutions and Braches of FDIC-Insured Commercial Banks
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/ hsob/hsobRpt.asp
Number of Unit Institutions and Institution with Branches of FDIC-Insured Commercial Banks
Source: Federal Deposit Insurance Company, http://www2.fdic.gov/hsob/hsobRpt.asp
Percentage of Unit Institutions Compared to Institutions w/ Branches
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/hsob/hsobRpt.asp
Asset Size Class 2002 2003 2004 2005 2006 2007 2008
Less than $100 million $237.8 $225.6 $211.7 $200.7 $189.9 $181.9 $170.8
$100 million to $1 billion $1,125.0 $1,160.6 $1,199.2 $1,247.6 $1,290.1 $1,310.1 $1,359.4
$1 billion to $10 billion $1,278.3 $1,312.6 $1,316.4 $1,393.0 $1,397.7 $1,420.3 $1,493.0
Greater than $10 billion $5,793.7 $6,377.9 $7,377.4 $8,035.8 $8,982.6 $10,126.5 $10,834.5
Total Assets of FDIC-Insured Institutions by Asset Size Class(In Billions)
Source: American Bankers Association, http://www.aba.com/NR/rdonlyres/03BDA3D5-54B2-41E4-8745-302C9E6C405A/64548/AssetsofInstitutionsbyAssetSize.pdf
Total Assets of Community Banks
Source: American Bankers Association, http://www.aba.com/NR/rdonlyres/03BDA3D5-54B2-41E4-8745-302C9E6C405A/64548/AssetsofInstitutionsbyAssetSize.pdf
Source: Banterra Bank, http://banterrabank.com, Sound Community Bank, http://soundcb.com, Bank First National, http://bankfirstnational.com
Net Income of Financial Institutions
Distribution of Branches by Institution in DeKalb
Source: Resource Bank, http://resourcebank.com, Castle Bank, http://castlebank.com, TCF Bank, http://tcfbank.com, National Bank & Trust, http://nabatco.com, Fifth Third Bank, http://53.com, Associated Bank, http://associatedbank.com, DeKalb County Credit Union, http://dekalbcountycu.org, Illinois Community Credit Union, http://ilcomcu.org
Source: Resource Bank, http://resourcebank.com, Castle Bank, http://castlebank.com, TCF Bank, http://tcfbank.com, National Bank & Trust, http://nabatco.com, Fifth Third Bank, http://53.com, Associated Bank, http://associatedbank.com, Illinois Community Credit Union, http://ilcomcu.org
Distribution of ATM’s by Institution in DeKalb
Illinois
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Illinois
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Wisconsin
Wisconsin
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Iowa
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Note: Numbers pertain to Newly Formed Community Banks, 2009 data through 3 quarters.
Iowa
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Indiana
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Indiana
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Percentage of Institutions
Source: Federal Deposit Insurance Corporation, http://www2.fdic.gov/SDI/main4.asp
Percentage of Total Assets
Source: Nater, B. (2009). It Takes More Than a Village: The Decline of the Community Bank. Bank Accounting & Finance , 50.
Source: Nater, B. (2009). It Takes More Than a Village: The Decline of the Community Bank. Bank Accounting & Finance , 50.
Source: Marti, D. L. (2009). Needed: A New Community Bank Model. Bank & Accounting Finance , 23.
Source: Marti, D. L. (2009). Needed: A New Community Bank Model. Bank & Accounting Finance , 22.
Technology/Innovation
http://www.aboundresources.com/downloads/insight2010-whitepaper.pdf
http://www.aboundresources.com/downloads/insight2010-whitepaper.pdf
http://www.aboundresources.com/downloads/insight2010-whitepaper.pdf
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