Wisconsin at a Glance
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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Employment Growth Rates
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Total Nonfarm (share of trailing four quarter employment in parentheses)
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-4.3%
|
-3.3%
|
-0.2%
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-0.5%
|
0.6%
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Manufacturing (17%)
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-11.5%
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-8.0%
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-1.2%
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-1.7%
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-0.9%
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Other (non-manufacturing) Goods-Producing (4%)
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-12.0%
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-12.3%
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-5.7%
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-6.3%
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-1.4%
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Private Service-Producing (64%)
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-3.3%
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-2.5%
|
0.2%
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-0.1%
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1.3%
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Government (15%)
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1.8%
|
1.2%
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0.6%
|
1.1%
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0.2%
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Unemployment Rate (% of labor force)
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8.8%
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7.8%
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4.4%
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4.7%
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4.7%
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Other Indicators
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Single-Family Home Permits
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-34.3%
|
-44.2%
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-33.0%
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-35.1%
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-22.5%
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|
Multifamily Building Permits
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-54.4%
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-52.5%
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2.6%
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-0.9%
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-30.6%
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Home Price Index
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-1.6%
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-1.2%
|
0.2%
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-0.2%
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1.9%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.31
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4.29
|
4.22
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3.70
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2.76
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BANKING TRENDS
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General Information
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Q2-09
|
Q1-09
|
Q2-08
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2008
|
2007
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|
Institutions (#)
|
282
|
283
|
290
|
283
|
296
|
|
Total Assets (in millions)
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157,483
|
159,487
|
158,930
|
158,710
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152,305
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New Institutions (# < 3 years)
|
6
|
6
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7
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5
|
7
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Subchapter S Institutions
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83
|
84
|
84
|
83
|
79
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|
|
|
|
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Asset Quality
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
4.45
|
4.24
|
2.99
|
3.90
|
2.83
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Noncurrent Loans / Total Loans (median %)
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2.58
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2.21
|
1.32
|
1.92
|
1.11
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ALLL/Total Loans (median %)
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1.32
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1.30
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1.16
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1.25
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1.16
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ALLL/Noncurrent Loans (median multiple)
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0.50
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0.52
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0.81
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0.63
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0.92
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Net Loan Losses / Total Loans (median %)
|
0.21
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0.08
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0.05
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0.21
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0.08
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Capital / Earnings
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Q2-09
|
Q1-09
|
Q2-08
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2008
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2007
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Tier 1 Leverage (median %)
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9.78
|
9.72
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9.81
|
9.64
|
9.85
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Return on Assets (median %)
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0.64
|
0.73
|
0.81
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0.72
|
0.87
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Pretax Return on Assets (median %)
|
0.76
|
0.98
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1.05
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0.89
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1.18
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Net Interest Margin (median %)
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3.61
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3.56
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3.60
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3.60
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3.62
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Yield on Earning Assets (median %)
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5.63
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5.71
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6.28
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6.30
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7.00
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Cost of Funding Earning Assets (median %)
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2.04
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2.16
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2.72
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2.70
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3.43
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Provisions to Avg. Assets (median %)
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0.35
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0.24
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0.13
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0.29
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0.11
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Noninterest Income to Avg. Assets (median %)
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0.64
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0.61
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0.54
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0.52
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0.52
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Overhead to Avg. Assets (median %)
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2.84
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2.75
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2.68
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2.66
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2.66
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Liquidity / Sensitivity
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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Net Loans to Assets (median %)
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73.4
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73.6
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73.2
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74.2
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72.9
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Noncore Funding to Assets (median %)
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23.4
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23.9
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21.3
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23.3
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20.2
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Long-term Assets to Assets (median %, call filers)
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10.3
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9.8
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10.6
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10.6
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9.0
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Brokered Deposits (number of institutions)
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181
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180
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170
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177
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173
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Brokered Deposits to Assets (median % for those above)
|
9.0
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9.0
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6.6
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8.1
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6.9
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Commercial and Industrial
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79.4
|
78.9
|
77.7
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81.8
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77.1
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Commercial Real Estate
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236.8
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242.1
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241.3
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244.5
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229.8
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Construction & Development
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45.1
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51.1
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52.6
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53.6
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53.9
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Multifamily Residential Real Estate
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9.4
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9.0
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9.0
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9.4
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9.1
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Nonresidential Real Estate
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164.1
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161.5
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162.7
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165.9
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158.9
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Residential Real Estate
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200.2
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201.7
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202.6
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208.5
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204.9
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Consumer
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19.2
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20.0
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21.2
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20.4
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21.1
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Agriculture
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29.9
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29.1
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31.2
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32.6
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30.7
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BANKING PROFILE
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