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