Idaho 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)
|
-2.7%
|
-1.0%
|
1.9%
|
-1.0%
|
2.6%
|
Manufacturing (10%)
|
-5.7%
|
-4.4%
|
-2.1%
|
-4.4%
|
0.2%
|
Other (non-manufacturing) Goods-Producing (8%)
|
-14.5%
|
-12.6%
|
-3.6%
|
-12.4%
|
0.4%
|
Private Service-Producing (64%)
|
-2.4%
|
0.5%
|
3.5%
|
0.2%
|
3.9%
|
Government (18%)
|
3.4%
|
1.6%
|
1.3%
|
2.1%
|
0.6%
|
Unemployment Rate (% of labor force)
|
5.8%
|
5.2%
|
3.4%
|
4.9%
|
3.0%
|
|
|
|
|
|
|
Other Indicators
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Single-Family Home Permits
|
-53.4%
|
-39.0%
|
-31.0%
|
-40.3%
|
-30.9%
|
Multifamily Building Permits
|
-71.0%
|
-72.5%
|
-1.6%
|
-69.8%
|
16.8%
|
Home Price Index
|
-1.8%
|
-1.8%
|
4.0%
|
0.0%
|
7.4%
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.70
|
3.88
|
2.38
|
3.31
|
2.48
|
|
|
|
|
|
|
BANKING TRENDS
|
General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Institutions (#)
|
19
|
19
|
19
|
19
|
19
|
Total Assets (in millions)
|
8,071
|
7,851
|
7,596
|
8,071
|
7,596
|
New Institutions (# < 3 years)
|
2
|
3
|
3
|
2
|
3
|
Subchapter S Institutions
|
1
|
1
|
2
|
1
|
2
|
|
|
|
|
|
|
Asset Quality
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.46
|
2.20
|
1.43
|
3.46
|
1.43
|
ALLL/Total Loans (median %)
|
1.54
|
1.24
|
1.22
|
1.54
|
1.22
|
ALLL/Noncurrent Loans (median multiple)
|
0.72
|
0.78
|
1.87
|
0.72
|
1.87
|
Net Loan Losses / Total Loans (median %)
|
1.09
|
0.14
|
0.16
|
0.69
|
0.07
|
|
|
|
|
|
|
Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Tier 1 Leverage (median %)
|
10.23
|
10.17
|
10.63
|
10.23
|
10.63
|
Return on Assets (median %)
|
-0.71
|
0.43
|
1.21
|
0.23
|
1.00
|
Pretax Return on Assets (median %)
|
-1.48
|
0.66
|
1.57
|
0.23
|
1.33
|
Net Interest Margin (median %)
|
4.28
|
4.47
|
4.86
|
4.39
|
5.07
|
Yield on Earning Assets (median %)
|
6.28
|
6.75
|
8.04
|
6.80
|
8.05
|
Cost of Funding Earning Assets (median %)
|
1.96
|
2.24
|
2.93
|
2.23
|
3.00
|
Provisions to Avg. Assets (median %)
|
1.77
|
0.52
|
0.21
|
0.98
|
0.14
|
Noninterest Income to Avg. Assets (median %)
|
0.75
|
0.80
|
0.92
|
0.79
|
0.86
|
Overhead to Avg. Assets (median %)
|
3.76
|
3.86
|
3.65
|
3.76
|
3.68
|
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Loans to Assets (median %)
|
79.1
|
78.5
|
77.3
|
79.1
|
77.3
|
Noncore Funding to Assets (median %)
|
27.8
|
27.8
|
25.2
|
27.8
|
25.2
|
Long-term Assets to Assets (median %, call filers)
|
16.1
|
14.4
|
10.6
|
16.1
|
10.6
|
Brokered Deposits (number of institutions)
|
10
|
9
|
7
|
10
|
7
|
Brokered Deposits to Assets (median % for those above)
|
12.1
|
15.2
|
6.4
|
12.1
|
6.4
|
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Commercial and Industrial
|
128.6
|
124.4
|
120.9
|
128.6
|
120.9
|
Commercial Real Estate
|
395.0
|
404.7
|
359.6
|
395.0
|
359.6
|
Construction & Development
|
156.9
|
148.7
|
159.9
|
156.9
|
159.9
|
Multifamily Residential Real Estate
|
7.0
|
4.2
|
2.7
|
7.0
|
2.7
|
Nonresidential Real Estate
|
177.9
|
163.8
|
154.7
|
177.9
|
154.7
|
Residential Real Estate
|
105.3
|
98.3
|
83.5
|
105.3
|
83.5
|
Consumer
|
19.5
|
20.5
|
29.5
|
19.5
|
29.5
|
Agriculture
|
5.0
|
5.0
|
4.1
|
5.0
|
4.1
|
|
|
|
|
|
|
BANKING PROFILE
|