Idaho 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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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.0%
|
-0.5%
|
-4.9%
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-1.1%
|
-6.0%
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|
Manufacturing (9%)
|
-0.6%
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-1.5%
|
-11.1%
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-3.1%
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-13.0%
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Other (non-manufacturing) Goods-Producing (6%)
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-4.2%
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-6.9%
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-20.2%
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-7.7%
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-23.6%
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Private Service-Producing (66%)
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0.5%
|
0.3%
|
-3.6%
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-0.5%
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-4.7%
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|
Government (20%)
|
-0.2%
|
-0.5%
|
-0.3%
|
-0.5%
|
0.3%
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Unemployment Rate (% of labor force)
|
9.6%
|
9.4%
|
8.7%
|
9.3%
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7.7%
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|
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Other Indicators
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Q4-10
|
Q3-10
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Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-32.2%
|
-46.8%
|
26.6%
|
-11.6%
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-28.0%
|
|
Multifamily Building Permits
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680.0%
|
-94.2%
|
-76.0%
|
-21.3%
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5.9%
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Home Price Index
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-7.7%
|
-6.7%
|
-8.1%
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-9.1%
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-5.5%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.77
|
5.37
|
4.80
|
5.12
|
4.73
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
18
|
18
|
18
|
18
|
18
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|
Total Assets (in millions)
|
8,068
|
8,181
|
7,615
|
8,068
|
7,615
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New Institutions (# < 3 years)
|
1
|
1
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2
|
1
|
2
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Subchapter S Institutions
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1
|
1
|
1
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1
|
1
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|
|
|
|
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Asset Quality
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Q4-10
|
Q3-10
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Q4-09
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2010
|
2009
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
4.71
|
5.62
|
7.09
|
4.71
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7.09
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|
Noncurrent Loans / Total Loans (median %)
|
4.08
|
4.45
|
4.92
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4.08
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4.92
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ALLL/Total Loans (median %)
|
2.16
|
2.53
|
2.58
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2.16
|
2.58
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ALLL/Noncurrent Loans (median multiple)
|
0.54
|
0.56
|
0.55
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0.54
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0.55
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Net Loan Losses / Total Loans (median %)
|
1.97
|
1.46
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4.51
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2.51
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1.93
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Capital / Earnings
|
Q4-10
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Q3-10
|
Q4-09
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2010
|
2009
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|
Tier 1 Leverage (median %)
|
10.26
|
9.90
|
9.95
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10.26
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9.95
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Return on Assets (median %)
|
0.02
|
-0.26
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-1.32
|
-0.39
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-0.91
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Pretax Return on Assets (median %)
|
0.12
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-0.31
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-2.35
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-0.66
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-1.60
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Net Interest Margin (median %)
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4.28
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4.15
|
3.91
|
4.09
|
4.02
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Yield on Earning Assets (median %)
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5.04
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5.23
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5.34
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5.15
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5.74
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Cost of Funding Earning Assets (median %)
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0.90
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0.99
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1.26
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0.99
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1.44
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Provisions to Avg. Assets (median %)
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0.76
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0.91
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3.45
|
1.00
|
2.26
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Noninterest Income to Avg. Assets (median %)
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1.12
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0.95
|
0.80
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0.88
|
0.78
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Overhead to Avg. Assets (median %)
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4.07
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4.12
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3.81
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4.00
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3.80
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Liquidity / Sensitivity
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Q4-10
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Q3-10
|
Q4-09
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2010
|
2009
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Net Loans to Assets (median %)
|
64.8
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63.4
|
70.9
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64.8
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70.9
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Noncore Funding to Assets (median %)
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22.1
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21.9
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24.7
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22.1
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24.7
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Long-term Assets to Assets (median %, call filers)
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18.1
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18.0
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18.1
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18.1
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18.1
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Brokered Deposits (number of institutions)
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13
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13
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11
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13
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11
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Brokered Deposits to Assets (median % for those above)
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5.5
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5.8
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7.8
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5.5
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7.8
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Commercial and Industrial
|
97.9
|
93.4
|
106.7
|
97.9
|
106.7
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Commercial Real Estate
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250.7
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270.1
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310.1
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250.7
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310.1
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Construction & Development
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59.0
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66.1
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88.4
|
59.0
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88.4
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Multifamily Residential Real Estate
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5.0
|
6.8
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5.8
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5.0
|
5.8
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Nonresidential Real Estate
|
168.8
|
166.5
|
161.9
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168.8
|
161.9
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Residential Real Estate
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128.2
|
131.3
|
96.5
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128.2
|
96.5
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Consumer
|
18.2
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17.2
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16.3
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18.2
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16.3
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Agriculture
|
11.5
|
11.7
|
6.7
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11.5
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6.7
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BANKING PROFILE
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