Idaho at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-4.4%
|
-2.7%
|
0.5%
|
-1.0%
|
2.6%
|
|
Manufacturing (10%)
|
-9.4%
|
-5.7%
|
-3.2%
|
-4.4%
|
0.2%
|
|
Other (non-manufacturing) Goods-Producing (7%)
|
-16.2%
|
-14.5%
|
-10.1%
|
-12.4%
|
0.4%
|
|
Private Service-Producing (64%)
|
-4.3%
|
-2.4%
|
2.0%
|
0.2%
|
3.9%
|
|
Government (19%)
|
2.9%
|
3.4%
|
2.3%
|
2.1%
|
0.6%
|
|
Unemployment Rate (% of labor force)
|
6.7%
|
5.8%
|
3.9%
|
4.9%
|
3.0%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
-58.3%
|
-53.4%
|
-45.3%
|
-40.3%
|
-30.9%
|
|
Multifamily Building Permits
|
177.9%
|
-71.0%
|
-79.0%
|
-69.8%
|
16.8%
|
|
Home Price Index
|
-2.7%
|
-1.7%
|
2.2%
|
-0.3%
|
7.0%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.91
|
3.73
|
2.50
|
3.33
|
2.49
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
19
|
19
|
20
|
19
|
19
|
|
Total Assets (in millions)
|
7,977
|
8,071
|
7,652
|
8,071
|
7,596
|
|
New Institutions (# < 3 years)
|
2
|
2
|
4
|
2
|
3
|
|
Subchapter S Institutions
|
1
|
1
|
2
|
1
|
2
|
| |
|
|
|
|
|
|
Asset Quality
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
4.20
|
3.46
|
1.30
|
3.46
|
1.43
|
|
ALLL/Total Loans (median %)
|
1.63
|
1.54
|
1.24
|
1.54
|
1.22
|
|
ALLL/Noncurrent Loans (median multiple)
|
0.59
|
0.72
|
1.78
|
0.72
|
1.87
|
|
Net Loan Losses / Total Loans (median %)
|
0.60
|
1.09
|
0.07
|
0.69
|
0.07
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
11.21
|
10.23
|
10.94
|
10.23
|
10.63
|
|
Return on Assets (median %)
|
0.27
|
-0.71
|
0.70
|
0.23
|
1.00
|
|
Pretax Return on Assets (median %)
|
0.43
|
-1.48
|
1.03
|
0.23
|
1.33
|
|
Net Interest Margin (median %)
|
4.10
|
4.28
|
4.43
|
4.39
|
5.07
|
|
Yield on Earning Assets (median %)
|
5.86
|
6.28
|
7.32
|
6.80
|
8.05
|
|
Cost of Funding Earning Assets (median %)
|
1.62
|
1.96
|
2.71
|
2.23
|
3.00
|
|
Provisions to Avg. Assets (median %)
|
0.84
|
1.77
|
0.22
|
0.98
|
0.14
|
|
Noninterest Income to Avg. Assets (median %)
|
0.70
|
0.56
|
0.76
|
0.78
|
0.86
|
|
Overhead to Avg. Assets (median %)
|
3.95
|
3.76
|
3.81
|
3.76
|
3.68
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Loans to Assets (median %)
|
77.9
|
79.1
|
79.1
|
79.1
|
77.3
|
|
Noncore Funding to Assets (median %)
|
28.1
|
27.8
|
26.5
|
27.8
|
25.2
|
|
Long-term Assets to Assets (median %, call filers)
|
15.8
|
16.1
|
7.8
|
16.1
|
10.6
|
|
Brokered Deposits (number of institutions)
|
10
|
10
|
7
|
10
|
7
|
|
Brokered Deposits to Assets (median % for those above)
|
13.6
|
12.1
|
10.5
|
12.1
|
6.4
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Commercial and Industrial
|
123.1
|
128.6
|
119.3
|
128.6
|
120.9
|
|
Commercial Real Estate
|
341.7
|
395.0
|
375.6
|
395.0
|
359.6
|
|
Construction & Development
|
125.6
|
156.9
|
157.6
|
156.9
|
159.9
|
|
Multifamily Residential Real Estate
|
3.7
|
7.0
|
3.0
|
7.0
|
2.7
|
|
Nonresidential Real Estate
|
191.7
|
177.9
|
152.8
|
177.9
|
154.7
|
|
Residential Real Estate
|
96.8
|
105.3
|
85.8
|
105.3
|
83.5
|
|
Consumer
|
16.7
|
19.5
|
19.1
|
19.5
|
29.5
|
|
Agriculture
|
4.3
|
5.0
|
4.3
|
5.0
|
4.1
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
