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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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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-3.3%
|
-1.3%
|
0.4%
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-0.5%
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0.6%
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Manufacturing (17%)
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-8.0%
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-3.2%
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-0.5%
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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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-12.3%
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-8.8%
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-4.2%
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-6.3%
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-1.4%
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Private Service-Producing (64%)
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-2.5%
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-1.0%
|
0.7%
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-0.1%
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1.3%
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Government (15%)
|
1.2%
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2.2%
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1.3%
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1.1%
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0.2%
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Unemployment Rate (% of labor force)
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7.8%
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5.4%
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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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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Single-Family Home Permits
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-44.2%
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-41.4%
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-38.3%
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-35.1%
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-22.5%
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Multifamily Building Permits
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-52.5%
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-40.5%
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-10.8%
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-0.9%
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-30.6%
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Home Price Index
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-1.2%
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-0.6%
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1.3%
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0.1%
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2.1%
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Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
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4.29
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3.58
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3.21
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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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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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|
Institutions (#)
|
283
|
283
|
293
|
283
|
296
|
|
Total Assets (in millions)
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159,510
|
158,716
|
156,689
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158,716
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152,305
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New Institutions (# < 3 years)
|
6
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5
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7
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5
|
7
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Subchapter S Institutions
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84
|
83
|
84
|
83
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79
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|
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|
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Asset Quality
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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
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4.24
|
3.90
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3.15
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3.90
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2.83
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ALLL/Total Loans (median %)
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1.30
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1.25
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1.17
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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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0.52
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0.63
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0.79
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0.63
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0.92
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Net Loan Losses / Total Loans (median %)
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0.07
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0.24
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0.02
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0.21
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0.08
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Capital / Earnings
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Q1-09
|
Q4-08
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Q1-08
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2008
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2007
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Tier 1 Leverage (median %)
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9.75
|
9.66
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9.87
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9.66
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9.85
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Return on Assets (median %)
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0.75
|
0.51
|
0.89
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0.72
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0.87
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Pretax Return on Assets (median %)
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0.98
|
0.60
|
1.09
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0.89
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1.18
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Net Interest Margin (median %)
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3.56
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3.65
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3.57
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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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5.71
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6.03
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6.68
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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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2.16
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2.39
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3.10
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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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0.24
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0.51
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0.10
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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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0.61
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0.49
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0.54
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0.53
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0.52
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Overhead to Avg. Assets (median %)
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2.73
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2.64
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2.69
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2.66
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2.66
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Liquidity / Sensitivity
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Loans to Assets (median %)
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74.7
|
75.0
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73.9
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75.0
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73.8
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Noncore Funding to Assets (median %)
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23.8
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23.3
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20.8
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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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9.8
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10.6
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10.0
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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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179
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177
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168
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177
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173
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Brokered Deposits to Assets (median % for those above)
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9.1
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8.1
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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 Tier 1 Capital)
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Commercial and Industrial
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83.7
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89.8
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83.8
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89.8
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82.8
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Commercial Real Estate
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259.1
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260.4
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251.9
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260.4
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246.6
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Construction & Development
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54.3
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56.5
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58.0
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56.5
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58.1
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Multifamily Residential Real Estate
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9.6
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10.1
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9.3
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10.1
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9.6
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Nonresidential Real Estate
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181.6
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180.2
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172.7
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180.2
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172.7
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Residential Real Estate
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218.9
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222.7
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219.7
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222.7
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223.1
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Consumer
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20.8
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22.4
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22.5
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22.4
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23.0
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Agriculture
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32.1
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35.6
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32.8
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35.6
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32.9
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BANKING PROFILE
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