US Consumer Lending Industry-2010-final by BarnesReports

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									BReports
     ARNES
U.S. Consumer Lending
Industry (NAICS 522291)


             n Market Reports

             n Industry Trends

             n Demographic Data




   Edition   2010
                      © C. Barnes & Co.
                     Consumer Lending Industry
                          (NAICS 522291)


                                    TABLE OF CONTENTS
         Users' Guide
         Industry Definition and Related Industries
         Industry Establishments, Sales & Employment Trends
         Industry Ratios
         Establishments, Firms & Payroll
         Sub-Industries - 2009 Estimated Industry Sales ($Millions)
         Sub-Industries - 2009 Estimated Number of Establishments
         Sub-Industries - 2009 Estimated Number of Employees
         5-Year Trend - Estimated Industry Sales ($Millions)
         5-Year Trend - Estimated Number of Establishments
         5-Year Trend - Estimated Number of Employees
         2010 U.S. States - Estimated Number of Establishments
         2010 U.S. States - Estimated Industry Sales ($Millions)
         2010 U.S. States - Estimated Number of Employees
         2011 U.S. States - Estimated Number of Establishments
         2011 U.S. States - Estimated Industry Sales ($Millions)
         2011 U.S. States - Estimated Number of Employees
         2010 U.S. Metropolitan Areas - Estimated Number of Establishments
         2010 U.S. Metropolitan Areas - Estimated Industry Sales ($Millions)
         2010 U.S. Metropolitan Areas - Estimated Number of Employees
         2011 U.S. Metropolitan Areas - Estimated Number of Establishments
         2011 U.S. Metropolitan Areas - Estimated Industry Sales ($Millions)
         2011 U.S. Metropolitan Areas - Estimated Number of Employees
         Definitions and Terms




© 2010 Barnes Reports: U.S. Consumer Lending Industry
                              Consumer Lending Industry
                                   (NAICS 522291)

                                                    USERS' GUIDE
The Barnes Reports are the leading publications on U.S. industries and estimates and forecasts
on sales and employment demographics. As a way of making the most of this information, we have
included a few suggestions and tips to aid you in processing and using this information.

Managers, planners, and market researchers use this information for a variety of activities:
   • Sizing markets and segments – You can estimate the size of the regional markets you sell in
              and your company’s market penetration into that market. You can do the same with the market
              segments in which you participate.
   • Sales territory potential – You can estimate your market penetration and also the market potential
              in any regional area or market segment.
   • Sales forecasting – With the estimates on the size of the industry, market researchers supporting
              a sales force can then estimate and forecast the future size of the industry.
   • Advertising strategies – You can use this information for forecasting and estimating sales potential
              and target advertising campaigns.
   • Competitive analysis – You will use the information to locate your possible competitors (if it is
              not already known), to estimate their size, growth and strengths and weaknesses and to see what
              market segments in which they participate.

We recognize that many managers today are asked to provide detailed analysis of their markets,
sales territories, distribution channels, and product placements. We have organized these reports in a
logical format making your market analysis and research tasks easy to accomplish.




Copyright © 2010 By C. Barnes & Co.
Printed in USA

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     © 2010 Barnes Reports: U.S. Consumer Lending Industry
                        Consumer Lending Industry
                             (NAICS 522291)

Industry Definition and Related Industries

NAICS 522291: Consumer Lending. This industry
comprises establishments primarily engaged in making unsecured cash loans
to consumers.




Related Industries
          Commercial Banking
          Mortgage Companies
          Credit Card Companies



U.S. Census Categories
NAICS 522291 – Consumer Lending is almost comparable to:
30% of SIC 6141 – Consumer Lending


Sub-Industries
Personal credit institutions
Automobile and consumer finance companies
Automobile loans, including insurance
Consumer finance companies
Financing: automobiles, furniture, etc., not a deposit bank
Installment sales finance, other than banks
Licensed loan companies, small
Personal finance licensed loan companies, small
Industrial loan banks and companies, not a deposit bank
Morris plans, not a deposit bank
Mutual benefit associations
Remedial loan societies



   © 2010 Barnes Reports: U.S. Consumer Lending Industry
                                     Consumer Lending Industry
                                          (NAICS 522291)

Industry Establishments, Sales & Employment Trends

                                                            Year                                    Percent Chg. Year-to-Year
                                   2007        2008         2009          2010       2011          07-08 08-09 09-10 10-11
Establishments                       17,421       18,532      17,243        17,774      17,757        6.4%        -7.0%        3.1%    -0.1%
Sales ($Millions)                    53,316       58,377      52,499        54,809      55,983        9.5%       -10.1%        4.4%    2.1%
Employment                          163,493     173,910      161,917       166,695    166,569         6.4%        -6.9%        3.0%    -0.1%




Industry Ratios

                                                            Year                                    Percent Chg. Year-to-Year
(Industry Averages) 2007 2008                               2009          2010       2011          07-08 08-09 09-10 10-11
Sales ($M)/Estab.       3.06     3.15                            3.04         3.08        3.15        2.9%        -3.3%        1.3%    2.2%
Sales ($)/Emp.       326,106  335,673                        324,234       328,799    336,097         2.9%        -3.4%        1.4%    2.2%
Emps. per Estab.          9.4      9.4                              9.4        9.4           9.4      0.0%         0.1%       -0.1%    0.0%




Establishments, Firms & Payroll

                                    Employee Size of Firm or Establishment
            2009                   1-4          5-9        10-19          20-99 100-499 500+                        Total
                                  Emps.        Emps.       Emps.          Emps. Emps. Emps.
Firms                                  3,799         843            405       381          135         112                     5,674
Establishments                       11,689        3,884            638       297            83          29                  17,245
Payroll ($000)                          251          157            179       465          580        4,208                    5,841


* Firms (total company) are represented by employee size of firm.
 Establishments (individual locations) are represented by employee size of establishments.
 "Total establishments" do not include "unknown employees" so will not match "total establishments" in other parts of the report.




      © 2010 Barnes Reports: U.S. Consumer Lending Industry
                       Consumer Lending Industry
                            (NAICS 522291)

Sub-Industries – 2009 Estimated Industry Sales ($Millions)

                                                               Total
                    Sub-Industries                            Sales
           Personal credit institutions                          $6,603.0
           Automobile and consumer finance                       $9,539.9
           Automobile loans, including                           $1,206.7
           Consumer finance companies                          $27,078.0
           Financing: automobiles, furniture,                    $5,730.0
           Installment sales finance, other than                   $533.9
           Licensed loan companies, small                          $965.3
           Personal finance licensed loan                          $632.6
           Industrial loan banks and companies,                     $63.4
           Morris plans, not a deposit bank                          $2.6
           Mutual benefit associations                             $138.4
           Remedial loan societies                                   $5.3


Sub-Industries – 2009 Estimated Number of Establishments

                                                               Total
                    Sub-Industries                        Establishments
           Personal credit institutions                             8,473
           Automobile and consumer finance                            597
           Automobile loans, including                                318
           Consumer finance companies                               2,831
           Financing: automobiles, furniture,                       1,814
           Installment sales finance, other than                      162
           Licensed loan companies, small                           1,218
           Personal finance licensed loan                           1,605
           Industrial loan banks and companies,                       149
           Morris plans, not a deposit bank                             2
           Mutual benefit associations                                 59
           Remedial loan societies                                     16




  © 2010 Barnes Reports: U.S. Consumer Lending Industry
                       Consumer Lending Industry
                            (NAICS 522291)

Sub-Industries – 2009 Estimated Number of Employees

                                                             Total
                    Sub-Industries                        Employment
           Personal credit institutions                         63,919
           Automobile and consumer finance                       6,317
           Automobile loans, including                          11,370
           Consumer finance companies                           38,500
           Financing: automobiles, furniture,                   16,424
           Installment sales finance, other than                 2,520
           Licensed loan companies, small                        7,608
           Personal finance licensed loan                       12,745
           Industrial loan banks and companies,                  1,707
           Morris plans, not a deposit bank                         24
           Mutual benefit associations                             678
           Remedial loan societies                                 106




  © 2010 Barnes Reports: U.S. Consumer Lending Industry
                        Consumer Lending Industry
                             (NAICS 522291)

5-Year Trend – Estimated Industry Sales ($Millions)

                                        Employee Size of Establishment                                     Total
  Year     1-4        5-9       10-19     20-49     50-99     100-249 250-499 500-999 >1000        Un-      Industry
           Emps.      Emps.     Emps.     Emps.     Emps.     Emps. Emps. Emps. Emps.              known Sales
                                                                                                   Emps.
  2007        5,905     5,886     3,225     1,990     2,525     3,850    6,586    6,610   11,700      5,040     53,316
  2008        6,465     6,445     3,531     2,179     2,765     4,216    7,211    7,237   12,811      5,517     58,377
  2009        5,813     5,795     3,175     1,959     2,486     3,790    6,484    6,507   11,518      4,973     52,499
  2010        6,071     6,052     3,316     2,046     2,596     3,959    6,772    6,796   12,031      5,168     54,809
  2011        6,201     6,182     3,387     2,090     2,652     4,043    6,917    6,941   12,287      5,284     55,983


5-Year Trend – Estimated Number of Establishments

                                        Employee Size of Establishment                                     Total
  Year     1-4        5-9       10-19     20-49     50-99     100-249 250-499 500-999 >1000        Un-     Establish-
           Emps.      Emps.     Emps.     Emps.     Emps.     Emps. Emps. Emps. Emps.              known ments
                                                                                                   Emps.
  2007       11,809     3,924      645       199       101         55      29       16       13        630     17,421
  2008       12,562     4,174      686       212       107         59      31       17       14        670     18,532
  2009       11,689     3,884      638       197       100         54      29       16       13        624     17,245
  2010       12,048     4,004      658       203       103         56      30       16       13        643     17,772
  2011       12,036     4,000      657       203       103         56      30       16       13        642     17,755


5-Year Trend – Estimated Number of Employees

                                        Employee Size of Establishment                                     Total
  Year     1-4        5-9       10-19     20-49     50-99     100-249 250-499 500-999 >1000        Un-      Employ-
           Emps.      Emps.     Emps.     Emps.     Emps.     Emps. Emps. Emps. Emps.              known ment
                                                                                                   Emps.
  2007       35,427    23,544     9,030     6,567     6,666     8,525    9,657   10,432   13,325     40,320   163,493
  2008       37,687    25,046     9,606     6,986     7,091     9,069   10,273   11,097   14,175     42,880   173,910
  2009       35,066    23,304     8,938     6,500     6,598     8,438    9,559   10,326   13,189     40,000   161,917
  2010       36,145    24,021     9,213     6,700     6,801     8,698    9,853   10,644   13,595     41,024   166,695
  2011       36,109    23,997     9,204     6,693     6,794     8,689    9,843   10,633   13,582     41,024   166,569




  © 2010 Barnes Reports: U.S. Consumer Lending Industry
                           Consumer Lending Industry
                                (NAICS 522291)

                U.S. States – Estimated Number of Establishments
                                    Year: 
								
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