Colorado 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)
|
-4.1%
|
-2.6%
|
1.3%
|
0.8%
|
2.3%
|
|
Manufacturing (6%)
|
-9.6%
|
-6.8%
|
-0.8%
|
-1.8%
|
-1.4%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
-13.7%
|
-8.9%
|
-1.1%
|
-1.8%
|
2.2%
|
|
Private Service-Producing (69%)
|
-4.0%
|
-2.8%
|
1.5%
|
0.9%
|
2.7%
|
|
Government (17%)
|
2.2%
|
2.9%
|
2.3%
|
2.5%
|
2.0%
|
|
Unemployment Rate (% of labor force)
|
7.5%
|
7.1%
|
4.7%
|
4.9%
|
3.9%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-44.9%
|
-54.3%
|
-43.0%
|
-43.0%
|
-31.5%
|
|
Multifamily Building Permits
|
-73.2%
|
-77.4%
|
-19.0%
|
-18.5%
|
10.3%
|
|
Home Price Index
|
-1.1%
|
0.4%
|
1.3%
|
0.9%
|
2.1%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.66
|
4.32
|
4.13
|
4.08
|
3.07
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
148
|
151
|
156
|
153
|
159
|
|
Total Assets (in millions)
|
51,897
|
170,669
|
53,968
|
53,302
|
50,951
|
|
New Institutions (# < 3 years)
|
8
|
8
|
6
|
8
|
6
|
|
Subchapter S Institutions
|
40
|
41
|
44
|
41
|
43
|
| |
|
|
|
|
|
|
Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.85
|
3.12
|
1.78
|
2.21
|
1.54
|
|
Noncurrent Loans / Total Loans (median %)
|
1.35
|
1.22
|
0.71
|
1.16
|
0.49
|
|
ALLL/Total Loans (median %)
|
1.52
|
1.49
|
1.17
|
1.37
|
1.10
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.80
|
0.79
|
1.05
|
0.87
|
1.23
|
|
Net Loan Losses / Total Loans (median %)
|
0.35
|
0.14
|
0.05
|
0.19
|
0.06
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.01
|
8.90
|
9.08
|
8.85
|
8.77
|
|
Return on Assets (median %)
|
0.62
|
0.69
|
0.91
|
0.58
|
1.05
|
|
Pretax Return on Assets (median %)
|
0.79
|
0.92
|
1.23
|
0.79
|
1.34
|
|
Net Interest Margin (median %)
|
4.08
|
4.09
|
4.11
|
4.08
|
4.28
|
|
Yield on Earning Assets (median %)
|
5.73
|
5.90
|
6.39
|
6.40
|
7.35
|
|
Cost of Funding Earning Assets (median %)
|
1.55
|
1.64
|
2.09
|
2.08
|
3.00
|
|
Provisions to Avg. Assets (median %)
|
0.43
|
0.35
|
0.17
|
0.42
|
0.13
|
|
Noninterest Income to Avg. Assets (median %)
|
0.69
|
0.65
|
0.67
|
0.65
|
0.77
|
|
Overhead to Avg. Assets (median %)
|
3.16
|
3.04
|
3.13
|
3.12
|
3.24
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Net Loans to Assets (median %)
|
65.8
|
66.4
|
65.1
|
67.5
|
62.2
|
|
Noncore Funding to Assets (median %)
|
22.1
|
22.2
|
20.9
|
22.6
|
19.1
|
|
Long-term Assets to Assets (median %, call filers)
|
18.0
|
16.6
|
15.9
|
16.4
|
13.1
|
|
Brokered Deposits (number of institutions)
|
72
|
79
|
61
|
78
|
66
|
|
Brokered Deposits to Assets (median % for those above)
|
4.8
|
4.4
|
4.7
|
4.4
|
5.1
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
54.9
|
55.1
|
61.4
|
55.9
|
61.1
|
|
Commercial Real Estate
|
291.6
|
297.6
|
288.2
|
291.8
|
291.2
|
|
Construction & Development
|
73.5
|
73.4
|
84.3
|
78.2
|
93.5
|
|
Multifamily Residential Real Estate
|
10.0
|
9.6
|
7.8
|
9.2
|
5.9
|
|
Nonresidential Real Estate
|
168.6
|
169.5
|
161.1
|
176.1
|
149.4
|
|
Residential Real Estate
|
156.7
|
152.8
|
130.6
|
136.4
|
119.6
|
|
Consumer
|
12.2
|
12.6
|
13.7
|
12.2
|
14.6
|
|
Agriculture
|
9.5
|
11.6
|
8.3
|
10.5
|
8.3
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
