Wisconsin at a Glance
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
Employment Growth Rates
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-1.3%
|
-0.8%
|
0.5%
|
-0.5%
|
0.6%
|
Manufacturing (17%)
|
-3.2%
|
-2.0%
|
-1.0%
|
-1.7%
|
-0.9%
|
Other (non-manufacturing) Goods-Producing (4%)
|
-8.8%
|
-6.4%
|
-0.7%
|
-6.3%
|
-1.4%
|
Private Service-Producing (64%)
|
-1.0%
|
-0.3%
|
1.0%
|
-0.1%
|
1.3%
|
Government (15%)
|
2.2%
|
0.1%
|
0.6%
|
1.1%
|
0.2%
|
Unemployment Rate (% of labor force)
|
5.4%
|
4.7%
|
4.5%
|
4.7%
|
4.7%
|
|
|
|
|
|
|
Other Indicators
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Single-Family Home Permits
|
-41.4%
|
-31.0%
|
-25.0%
|
-35.1%
|
-22.5%
|
Multifamily Building Permits
|
-40.5%
|
34.1%
|
-41.1%
|
-0.9%
|
-30.6%
|
Home Price Index
|
-0.9%
|
-0.9%
|
1.7%
|
0.2%
|
2.5%
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.58
|
3.77
|
2.83
|
3.69
|
2.76
|
|
|
|
|
|
|
BANKING TRENDS
|
General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Institutions (#)
|
283
|
288
|
296
|
283
|
296
|
Total Assets (in millions)
|
158,728
|
157,484
|
152,305
|
158,728
|
152,305
|
New Institutions (# < 3 years)
|
5
|
6
|
7
|
5
|
7
|
Subchapter S Institutions
|
83
|
83
|
79
|
83
|
79
|
|
|
|
|
|
|
Asset Quality
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.90
|
3.04
|
2.83
|
3.90
|
2.83
|
ALLL/Total Loans (median %)
|
1.24
|
1.19
|
1.16
|
1.24
|
1.16
|
ALLL/Noncurrent Loans (median multiple)
|
0.63
|
0.71
|
0.92
|
0.63
|
0.92
|
Net Loan Losses / Total Loans (median %)
|
0.24
|
0.09
|
0.11
|
0.21
|
0.08
|
|
|
|
|
|
|
Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Tier 1 Leverage (median %)
|
9.66
|
9.75
|
9.85
|
9.66
|
9.85
|
Return on Assets (median %)
|
0.51
|
0.78
|
0.87
|
0.73
|
0.87
|
Pretax Return on Assets (median %)
|
0.61
|
0.95
|
1.13
|
0.91
|
1.18
|
Net Interest Margin (median %)
|
3.65
|
3.67
|
3.64
|
3.60
|
3.62
|
Yield on Earning Assets (median %)
|
6.02
|
6.23
|
7.02
|
6.30
|
7.00
|
Cost of Funding Earning Assets (median %)
|
2.39
|
2.58
|
3.41
|
2.70
|
3.43
|
Provisions to Avg. Assets (median %)
|
0.50
|
0.18
|
0.11
|
0.29
|
0.11
|
Noninterest Income to Avg. Assets (median %)
|
0.49
|
0.51
|
0.53
|
0.53
|
0.52
|
Overhead to Avg. Assets (median %)
|
2.65
|
2.65
|
2.69
|
2.66
|
2.66
|
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Loans to Assets (median %)
|
75.0
|
75.7
|
73.8
|
75.0
|
73.8
|
Noncore Funding to Assets (median %)
|
23.3
|
23.0
|
20.2
|
23.3
|
20.2
|
Long-term Assets to Assets (median %, call filers)
|
10.5
|
10.4
|
9.0
|
10.5
|
9.0
|
Brokered Deposits (number of institutions)
|
177
|
168
|
173
|
177
|
173
|
Brokered Deposits to Assets (median % for those above)
|
8.0
|
7.9
|
6.9
|
8.0
|
6.9
|
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Commercial and Industrial
|
89.8
|
81.4
|
82.8
|
89.8
|
82.8
|
Commercial Real Estate
|
260.4
|
256.0
|
246.6
|
260.4
|
246.6
|
Construction & Development
|
56.5
|
57.7
|
58.1
|
56.5
|
58.1
|
Multifamily Residential Real Estate
|
10.1
|
9.6
|
9.6
|
10.1
|
9.6
|
Nonresidential Real Estate
|
180.2
|
176.5
|
172.7
|
180.2
|
172.7
|
Residential Real Estate
|
222.4
|
219.4
|
223.1
|
222.4
|
223.1
|
Consumer
|
21.7
|
22.3
|
23.0
|
21.7
|
23.0
|
Agriculture
|
35.6
|
34.5
|
32.9
|
35.6
|
32.9
|
|
|
|
|
|
|
BANKING PROFILE
|