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Willisms

« Trivia Tidbit of the Day: Part 721 -- IRS Audits. | WILLisms.com | Trivia Tidbit of the Day: Part 723 -- Texas Jobs, 2010. »

Trivia Tidbit of the Day: Part 722 -- Texas Banks Outperforming National Banks.

Trend Solidifying-

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•Across the country, nearly 29% of subprime mortgages were at least 90 days late or in some stage of the foreclosure process in the third quarter. In Texas, the figure was less than 17%, according to the Mortgage Bankers Association.

•Texas banks have stronger defenses against loan losses than banks nationwide. Their problem assets — non-current loans plus real estate seized from delinquent borrowers — are equal to just 17.2% of their defenses — equity capital plus reserves against loan losses. Nationwide, the figure is 24%. In neighboring Arizona, where a real estate bubble burst, the figure is 51.2%. Anything over 100% indicates a bank is in danger of failing.

• Texas banks were five times as profitable as U.S. banks overall and were charging off bad loans at less than half the rate of banks nationwide during the third quarter, the FDIC says.

• Just five banks have failed in Texas this year, fewer than 4% of the 140 bank failures nationwide. From 1988 to 1991, Texas accounted for more than 37% of bank mortality.

• The jobless rate in Texas was 8% in November — painfully high but 2 percentage points below the national rate. "Our fundamentals are very strong," says Mine Yucel, senior economist at the Federal Reserve Bank of Dallas. Forbes magazine recently rated Texas' economic climate No. 1 in the country.

-------------------------------------

Previous Trivia Tidbit: IRS Audits.

Posted by Will Franklin · 30 December 2009 10:56 AM

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