Idaho at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-5.0%
|
-4.4%
|
-0.8%
|
-1.0%
|
2.6%
|
|
Manufacturing (9%)
|
-11.7%
|
-9.4%
|
-4.2%
|
-4.4%
|
0.2%
|
|
Other (non-manufacturing) Goods-Producing (7%)
|
-16.0%
|
-16.2%
|
-12.3%
|
-12.4%
|
0.4%
|
|
Private Service-Producing (64%)
|
-5.0%
|
-4.3%
|
0.9%
|
0.2%
|
3.9%
|
|
Government (19%)
|
3.0%
|
2.9%
|
1.0%
|
2.1%
|
0.6%
|
|
Unemployment Rate (% of labor force)
|
7.7%
|
6.7%
|
4.5%
|
4.9%
|
3.0%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-44.4%
|
-58.3%
|
-30.9%
|
-40.3%
|
-30.9%
|
|
Multifamily Building Permits
|
-45.0%
|
177.9%
|
-51.7%
|
-69.8%
|
16.8%
|
|
Home Price Index
|
-4.9%
|
-3.0%
|
0.7%
|
-0.5%
|
6.8%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.05
|
3.91
|
3.18
|
3.33
|
2.49
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
18
|
19
|
20
|
19
|
19
|
|
Total Assets (in millions)
|
7,533
|
7,971
|
7,778
|
8,071
|
7,596
|
|
New Institutions (# < 3 years)
|
2
|
2
|
4
|
2
|
3
|
|
Subchapter S Institutions
|
1
|
1
|
2
|
1
|
2
|
| |
|
|
|
|
|
|
Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.41
|
4.20
|
1.52
|
3.46
|
1.43
|
|
Noncurrent Loans / Total Loans (median %)
|
2.63
|
2.73
|
0.46
|
1.88
|
0.36
|
|
ALLL/Total Loans (median %)
|
2.05
|
1.69
|
1.25
|
1.54
|
1.22
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.66
|
0.59
|
1.35
|
0.72
|
1.87
|
|
Net Loan Losses / Total Loans (median %)
|
2.04
|
0.60
|
0.04
|
0.69
|
0.07
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
10.18
|
11.21
|
10.34
|
10.23
|
10.63
|
|
Return on Assets (median %)
|
-0.35
|
0.18
|
0.52
|
0.23
|
1.00
|
|
Pretax Return on Assets (median %)
|
-0.67
|
0.26
|
0.81
|
0.23
|
1.33
|
|
Net Interest Margin (median %)
|
4.00
|
4.10
|
4.36
|
4.39
|
5.07
|
|
Yield on Earning Assets (median %)
|
5.86
|
5.86
|
6.82
|
6.80
|
8.05
|
|
Cost of Funding Earning Assets (median %)
|
1.50
|
1.63
|
2.31
|
2.23
|
3.00
|
|
Provisions to Avg. Assets (median %)
|
1.82
|
0.90
|
0.51
|
0.98
|
0.14
|
|
Noninterest Income to Avg. Assets (median %)
|
0.92
|
0.70
|
0.83
|
0.78
|
0.86
|
|
Overhead to Avg. Assets (median %)
|
3.92
|
3.95
|
3.75
|
3.76
|
3.68
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Net Loans to Assets (median %)
|
76.1
|
76.8
|
76.9
|
77.8
|
76.4
|
|
Noncore Funding to Assets (median %)
|
26.8
|
28.1
|
28.7
|
27.8
|
25.2
|
|
Long-term Assets to Assets (median %, call filers)
|
16.6
|
15.8
|
14.4
|
16.1
|
10.6
|
|
Brokered Deposits (number of institutions)
|
10
|
10
|
8
|
10
|
7
|
|
Brokered Deposits to Assets (median % for those above)
|
8.6
|
13.6
|
10.8
|
12.1
|
6.4
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
117.9
|
118.9
|
111.7
|
114.5
|
113.5
|
|
Commercial Real Estate
|
323.2
|
314.2
|
348.8
|
354.6
|
325.4
|
|
Construction & Development
|
96.3
|
114.6
|
143.1
|
142.2
|
147.8
|
|
Multifamily Residential Real Estate
|
4.4
|
3.3
|
3.3
|
6.2
|
2.5
|
|
Nonresidential Real Estate
|
146.2
|
171.4
|
137.5
|
159.1
|
138.5
|
|
Residential Real Estate
|
96.4
|
86.1
|
81.9
|
94.1
|
74.5
|
|
Consumer
|
15.4
|
15.4
|
17.8
|
17.8
|
26.3
|
|
Agriculture
|
5.2
|
3.9
|
4.9
|
4.5
|
3.7
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
