community banking

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


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


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


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


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


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


Wisconsin

Iowa


Note: Numbers pertain to Newly Formed Community Banks, 2009 data through 3 quarters.

Iowa


Indiana



Percentage of Institutions


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: 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

community banking

Documents