Colorado 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
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.2%
|
-0.2%
|
-4.8%
|
-1.1%
|
-4.5%
|
|
Manufacturing (6%)
|
-0.6%
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-1.4%
|
-10.4%
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-3.4%
|
-10.1%
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|
Other (non-manufacturing) Goods-Producing (6%)
|
-4.2%
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-7.2%
|
-21.9%
|
-10.5%
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-18.3%
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|
Private Service-Producing (70%)
|
0.7%
|
0.4%
|
-3.8%
|
-0.5%
|
-3.8%
|
|
Government (18%)
|
0.0%
|
0.7%
|
1.0%
|
0.7%
|
1.7%
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Unemployment Rate (% of labor force)
|
8.9%
|
8.8%
|
8.6%
|
8.9%
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8.3%
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|
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Other Indicators
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Q4-10
|
Q3-10
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Q4-09
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2010
|
2009
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Single-Family Home Permits
|
11.2%
|
5.0%
|
-3.0%
|
20.9%
|
-38.4%
|
|
Multifamily Building Permits
|
160.6%
|
13.0%
|
-81.6%
|
20.0%
|
-72.8%
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Home Price Index
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-1.0%
|
-0.7%
|
-2.0%
|
-2.6%
|
-1.2%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
5.59
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6.43
|
5.49
|
6.14
|
5.35
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
117
|
141
|
145
|
117
|
145
|
|
Total Assets (in millions)
|
49,171
|
49,299
|
51,527
|
49,171
|
51,527
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New Institutions (# < 3 years)
|
3
|
4
|
7
|
3
|
7
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|
Subchapter S Institutions
|
37
|
37
|
38
|
37
|
38
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|
|
|
|
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Asset Quality
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Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.81
|
3.61
|
2.89
|
3.81
|
2.89
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|
Noncurrent Loans / Total Loans (median %)
|
2.64
|
2.05
|
1.79
|
2.64
|
1.79
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ALLL/Total Loans (median %)
|
2.02
|
2.02
|
1.74
|
2.02
|
1.74
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ALLL/Noncurrent Loans (median multiple)
|
0.63
|
0.78
|
0.87
|
0.63
|
0.87
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Net Loan Losses / Total Loans (median %)
|
0.54
|
0.39
|
0.70
|
0.75
|
0.61
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
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|
Tier 1 Leverage (median %)
|
9.24
|
8.94
|
8.86
|
9.24
|
8.86
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Return on Assets (median %)
|
0.43
|
0.72
|
0.37
|
0.45
|
0.42
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Pretax Return on Assets (median %)
|
0.52
|
0.93
|
0.43
|
0.55
|
0.44
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Net Interest Margin (median %)
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3.94
|
4.03
|
4.06
|
3.90
|
4.10
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Yield on Earning Assets (median %)
|
5.03
|
5.12
|
5.42
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5.13
|
5.65
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Cost of Funding Earning Assets (median %)
|
1.05
|
0.99
|
1.28
|
1.18
|
1.48
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Provisions to Avg. Assets (median %)
|
0.35
|
0.37
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0.58
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0.51
|
0.58
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Noninterest Income to Avg. Assets (median %)
|
0.58
|
0.68
|
0.67
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0.58
|
0.67
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Overhead to Avg. Assets (median %)
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3.33
|
3.16
|
3.18
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3.24
|
3.15
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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 %)
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61.8
|
61.7
|
63.7
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61.8
|
63.7
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Noncore Funding to Assets (median %)
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23.9
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21.4
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22.2
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23.9
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22.2
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Long-term Assets to Assets (median %, call filers)
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17.4
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21.4
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19.5
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17.4
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19.5
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Brokered Deposits (number of institutions)
|
54
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66
|
78
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54
|
78
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Brokered Deposits to Assets (median % for those above)
|
4.4
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3.4
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2.3
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4.4
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2.3
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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
|
2010
|
2009
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Commercial and Industrial
|
53.9
|
44.3
|
49.3
|
53.9
|
49.3
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Commercial Real Estate
|
252.8
|
238.5
|
279.4
|
252.8
|
279.4
|
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Construction & Development
|
52.3
|
47.2
|
57.8
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52.3
|
57.8
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Multifamily Residential Real Estate
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7.6
|
11.7
|
10.9
|
7.6
|
10.9
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Nonresidential Real Estate
|
169.9
|
158.3
|
167.2
|
169.9
|
167.2
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Residential Real Estate
|
125.6
|
148.1
|
165.9
|
125.6
|
165.9
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Consumer
|
12.3
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9.6
|
11.6
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12.3
|
11.6
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Agriculture
|
19.7
|
8.5
|
8.5
|
19.7
|
8.5
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BANKING PROFILE
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