Colorado 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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Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-4.6%
|
-4.1%
|
0.7%
|
0.8%
|
2.3%
|
|
Manufacturing (6%)
|
-10.2%
|
-9.6%
|
-2.0%
|
-1.8%
|
-1.4%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
-15.1%
|
-13.7%
|
-2.1%
|
-1.8%
|
2.2%
|
|
Private Service-Producing (69%)
|
-4.2%
|
-4.0%
|
0.9%
|
0.9%
|
2.7%
|
|
Government (17%)
|
1.4%
|
2.2%
|
2.6%
|
2.5%
|
2.0%
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|
Unemployment Rate (% of labor force)
|
7.4%
|
7.5%
|
4.9%
|
4.9%
|
3.9%
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|
|
|
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Other Indicators
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Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-35.1%
|
-44.9%
|
-38.5%
|
-43.0%
|
-31.5%
|
|
Multifamily Building Permits
|
-53.8%
|
-73.2%
|
-6.6%
|
-18.5%
|
10.3%
|
|
Home Price Index
|
-1.7%
|
-1.1%
|
0.0%
|
0.8%
|
2.0%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.88
|
5.66
|
4.56
|
4.08
|
3.07
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BANKING TRENDS
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|
General Information
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Institutions (#)
|
148
|
148
|
156
|
153
|
159
|
|
Total Assets (in millions)
|
52,197
|
51,861
|
52,740
|
53,302
|
50,951
|
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New Institutions (# < 3 years)
|
8
|
8
|
8
|
8
|
6
|
|
Subchapter S Institutions
|
38
|
40
|
44
|
41
|
43
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|
|
|
|
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Asset Quality
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.16
|
2.85
|
1.81
|
2.21
|
1.54
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|
Noncurrent Loans / Total Loans (median %)
|
1.66
|
1.35
|
0.97
|
1.16
|
0.49
|
|
ALLL/Total Loans (median %)
|
1.58
|
1.54
|
1.26
|
1.37
|
1.10
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|
ALLL/Noncurrent Loans (median multiple)
|
0.87
|
0.86
|
0.94
|
0.87
|
1.23
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|
Net Loan Losses / Total Loans (median %)
|
0.39
|
0.35
|
0.09
|
0.19
|
0.06
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Capital / Earnings
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
8.95
|
9.01
|
9.00
|
8.85
|
8.77
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Return on Assets (median %)
|
0.59
|
0.61
|
0.72
|
0.58
|
1.05
|
|
Pretax Return on Assets (median %)
|
0.80
|
0.77
|
0.87
|
0.79
|
1.34
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|
Net Interest Margin (median %)
|
4.12
|
4.08
|
4.16
|
4.08
|
4.28
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Yield on Earning Assets (median %)
|
5.61
|
5.73
|
6.38
|
6.40
|
7.35
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Cost of Funding Earning Assets (median %)
|
1.44
|
1.55
|
1.93
|
2.08
|
3.00
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Provisions to Avg. Assets (median %)
|
0.45
|
0.44
|
0.25
|
0.42
|
0.13
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Noninterest Income to Avg. Assets (median %)
|
0.69
|
0.69
|
0.69
|
0.65
|
0.77
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Overhead to Avg. Assets (median %)
|
3.12
|
3.16
|
3.14
|
3.12
|
3.24
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Liquidity / Sensitivity
|
Q3-09
|
Q2-09
|
Q3-08
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2008
|
2007
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|
Net Loans to Assets (median %)
|
64.8
|
65.7
|
65.8
|
67.5
|
62.2
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Noncore Funding to Assets (median %)
|
22.0
|
22.1
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21.2
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22.6
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19.1
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|
Long-term Assets to Assets (median %, call filers)
|
19.3
|
18.1
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16.1
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16.4
|
13.1
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Brokered Deposits (number of institutions)
|
75
|
72
|
67
|
78
|
66
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|
Brokered Deposits to Assets (median % for those above)
|
4.3
|
4.8
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5.5
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4.4
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5.1
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q3-09
|
Q2-09
|
Q3-08
|
2008
|
2007
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Commercial and Industrial
|
48.5
|
55.2
|
55.1
|
55.9
|
61.1
|
|
Commercial Real Estate
|
282.3
|
291.6
|
293.7
|
291.8
|
291.2
|
|
Construction & Development
|
65.6
|
73.5
|
83.1
|
78.2
|
93.5
|
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Multifamily Residential Real Estate
|
9.6
|
10.0
|
8.5
|
9.2
|
5.9
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|
Nonresidential Real Estate
|
170.2
|
168.6
|
171.5
|
176.1
|
149.4
|
|
Residential Real Estate
|
158.2
|
156.7
|
133.1
|
136.4
|
119.6
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Consumer
|
11.9
|
12.2
|
13.3
|
12.2
|
14.6
|
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Agriculture
|
10.2
|
9.5
|
10.9
|
10.5
|
8.3
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BANKING PROFILE
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