Washington 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
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.0%
|
-0.8%
|
-5.0%
|
-1.6%
|
-4.6%
|
|
Manufacturing (9%)
|
0.4%
|
-1.3%
|
-8.0%
|
-2.9%
|
-8.8%
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|
Other (non-manufacturing) Goods-Producing (5%)
|
-5.4%
|
-8.1%
|
-21.6%
|
-11.2%
|
-20.4%
|
|
Private Service-Producing (66%)
|
0.6%
|
-0.1%
|
-4.1%
|
-0.8%
|
-3.8%
|
|
Government (20%)
|
-0.8%
|
-0.6%
|
-0.7%
|
-0.6%
|
0.6%
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|
Unemployment Rate (% of labor force)
|
9.3%
|
9.4%
|
9.9%
|
9.6%
|
9.3%
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Other Indicators
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Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-6.8%
|
-8.4%
|
22.6%
|
12.7%
|
-23.5%
|
|
Multifamily Building Permits
|
146.0%
|
131.7%
|
-71.3%
|
70.8%
|
-71.2%
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|
Home Price Index
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-4.1%
|
-3.4%
|
-8.6%
|
-6.0%
|
-7.6%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.57
|
5.05
|
4.65
|
4.87
|
4.52
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
79
|
82
|
95
|
79
|
95
|
|
Total Assets (in millions)
|
66,089
|
68,026
|
76,161
|
66,089
|
76,161
|
|
New Institutions (# < 3 years)
|
2
|
2
|
4
|
2
|
4
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|
Subchapter S Institutions
|
13
|
13
|
14
|
13
|
14
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|
|
|
|
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Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
5.14
|
4.89
|
5.65
|
5.14
|
5.65
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|
Noncurrent Loans / Total Loans (median %)
|
3.54
|
3.31
|
4.50
|
3.54
|
4.50
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|
ALLL/Total Loans (median %)
|
2.22
|
2.26
|
2.31
|
2.22
|
2.31
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ALLL/Noncurrent Loans (median multiple)
|
0.61
|
0.64
|
0.52
|
0.61
|
0.52
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|
Net Loan Losses / Total Loans (median %)
|
1.18
|
0.76
|
1.84
|
1.24
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1.89
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
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|
Tier 1 Leverage (median %)
|
9.80
|
9.60
|
9.01
|
9.80
|
9.01
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Return on Assets (median %)
|
0.13
|
0.22
|
-0.50
|
0.08
|
-0.84
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Pretax Return on Assets (median %)
|
0.09
|
0.26
|
-0.81
|
0.06
|
-1.41
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Net Interest Margin (median %)
|
4.01
|
3.93
|
3.78
|
3.90
|
3.70
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Yield on Earning Assets (median %)
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5.09
|
5.15
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5.40
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5.16
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5.57
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Cost of Funding Earning Assets (median %)
|
1.20
|
1.33
|
1.82
|
1.37
|
2.05
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Provisions to Avg. Assets (median %)
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0.70
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0.60
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1.81
|
0.80
|
1.97
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Noninterest Income to Avg. Assets (median %)
|
0.35
|
0.42
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0.40
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0.41
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0.42
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Overhead to Avg. Assets (median %)
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3.49
|
3.35
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3.42
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3.43
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3.35
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Liquidity / Sensitivity
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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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|
Net Loans to Assets (median %)
|
71.0
|
70.2
|
73.3
|
71.0
|
73.3
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Noncore Funding to Assets (median %)
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22.9
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25.3
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29.4
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22.9
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29.4
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Long-term Assets to Assets (median %, call filers)
|
17.1
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16.5
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14.2
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17.1
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14.2
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Brokered Deposits (number of institutions)
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49
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54
|
70
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49
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70
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Brokered Deposits to Assets (median % for those above)
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4.1
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5.2
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7.8
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4.1
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7.8
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q4-10
|
Q3-10
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Q4-09
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2010
|
2009
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Commercial and Industrial
|
97.4
|
108.6
|
119.9
|
97.4
|
119.9
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Commercial Real Estate
|
372.3
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373.2
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425.5
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372.3
|
425.5
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Construction & Development
|
64.3
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66.1
|
99.1
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64.3
|
99.1
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Multifamily Residential Real Estate
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26.5
|
27.2
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32.1
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26.5
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32.1
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Nonresidential Real Estate
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246.7
|
256.7
|
261.5
|
246.7
|
261.5
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Residential Real Estate
|
112.8
|
115.1
|
124.3
|
112.8
|
124.3
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Consumer
|
11.0
|
12.0
|
12.4
|
11.0
|
12.4
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Agriculture
|
10.0
|
8.9
|
5.8
|
10.0
|
5.8
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BANKING PROFILE
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