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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Q1-09
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Q4-08
|
Q1-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.6%
|
-0.9%
|
2.0%
|
0.8%
|
2.3%
|
|
Manufacturing (6%)
|
-6.8%
|
-4.4%
|
-0.1%
|
-1.8%
|
-1.4%
|
|
Other (non-manufacturing) Goods-Producing (8%)
|
-8.9%
|
-5.5%
|
1.7%
|
-1.8%
|
2.2%
|
|
Private Service-Producing (69%)
|
-2.8%
|
-0.9%
|
2.2%
|
0.9%
|
2.7%
|
|
Government (17%)
|
2.9%
|
2.7%
|
2.5%
|
2.5%
|
2.0%
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|
Unemployment Rate (% of labor force)
|
7.1%
|
5.5%
|
4.5%
|
4.9%
|
3.9%
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|
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|
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Other Indicators
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Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-54.3%
|
-51.1%
|
-42.4%
|
-43.0%
|
-31.5%
|
|
Multifamily Building Permits
|
-77.4%
|
-47.4%
|
16.5%
|
-18.5%
|
10.3%
|
|
Home Price Index
|
0.4%
|
0.4%
|
1.8%
|
1.0%
|
2.2%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.32
|
4.29
|
3.34
|
4.08
|
3.07
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BANKING TRENDS
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|
General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
151
|
153
|
156
|
153
|
159
|
|
Total Assets (in millions)
|
170,680
|
53,312
|
52,647
|
53,312
|
50,951
|
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New Institutions (# < 3 years)
|
8
|
8
|
7
|
8
|
6
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|
Subchapter S Institutions
|
41
|
41
|
44
|
41
|
43
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|
|
|
|
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Asset Quality
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.12
|
2.21
|
2.08
|
2.21
|
1.54
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|
ALLL/Total Loans (median %)
|
1.45
|
1.37
|
1.14
|
1.37
|
1.10
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.76
|
0.87
|
1.16
|
0.87
|
1.23
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|
Net Loan Losses / Total Loans (median %)
|
0.14
|
0.20
|
0.03
|
0.19
|
0.06
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|
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
8.90
|
8.90
|
9.01
|
8.90
|
8.77
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|
Return on Assets (median %)
|
0.69
|
0.42
|
0.90
|
0.58
|
1.05
|
|
Pretax Return on Assets (median %)
|
0.92
|
0.61
|
1.16
|
0.79
|
1.34
|
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Net Interest Margin (median %)
|
4.09
|
4.13
|
3.95
|
4.08
|
4.28
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Yield on Earning Assets (median %)
|
5.90
|
6.15
|
6.87
|
6.40
|
7.35
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|
Cost of Funding Earning Assets (median %)
|
1.64
|
1.84
|
2.59
|
2.08
|
3.00
|
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Provisions to Avg. Assets (median %)
|
0.33
|
0.48
|
0.16
|
0.42
|
0.13
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Noninterest Income to Avg. Assets (median %)
|
0.65
|
0.58
|
0.72
|
0.65
|
0.77
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Overhead to Avg. Assets (median %)
|
3.04
|
3.08
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3.12
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3.12
|
3.24
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Liquidity / Sensitivity
|
Q1-09
|
Q4-08
|
Q1-08
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2008
|
2007
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|
Loans to Assets (median %)
|
67.4
|
68.1
|
64.8
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68.1
|
63.2
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Noncore Funding to Assets (median %)
|
22.2
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22.6
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19.4
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22.6
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19.1
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Long-term Assets to Assets (median %, call filers)
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16.6
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16.4
|
15.0
|
16.4
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13.1
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|
Brokered Deposits (number of institutions)
|
79
|
78
|
66
|
78
|
66
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Brokered Deposits to Assets (median % for those above)
|
4.4
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4.4
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4.4
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4.4
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5.1
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Loan Concentrations (median % of Tier 1 Capital)
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Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
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Commercial and Industrial
|
61.5
|
62.9
|
60.7
|
62.9
|
64.3
|
|
Commercial Real Estate
|
320.1
|
320.7
|
309.2
|
320.7
|
311.2
|
|
Construction & Development
|
78.7
|
86.4
|
92.9
|
86.4
|
102.0
|
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Multifamily Residential Real Estate
|
10.3
|
9.9
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7.1
|
9.9
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6.0
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Nonresidential Real Estate
|
184.2
|
190.2
|
168.6
|
190.2
|
162.7
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Residential Real Estate
|
168.4
|
152.8
|
137.0
|
152.8
|
132.7
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Consumer
|
13.6
|
13.5
|
15.8
|
13.5
|
16.1
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Agriculture
|
12.8
|
11.7
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10.3
|
11.7
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9.1
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BANKING PROFILE
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