New Hampshire 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)
|
0.3%
|
0.1%
|
-3.3%
|
-0.6%
|
-3.4%
|
|
Manufacturing (11%)
|
0.3%
|
-0.8%
|
-11.6%
|
-3.3%
|
-10.5%
|
|
Other (non-manufacturing) Goods-Producing (4%)
|
-5.7%
|
-4.0%
|
-10.8%
|
-6.2%
|
-13.1%
|
|
Private Service-Producing (70%)
|
0.9%
|
0.4%
|
-2.4%
|
-0.1%
|
-2.6%
|
|
Government (16%)
|
-0.9%
|
0.4%
|
0.5%
|
0.3%
|
1.2%
|
|
Unemployment Rate (% of labor force)
|
5.7%
|
5.8%
|
6.7%
|
6.1%
|
6.3%
|
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|
|
|
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Other Indicators
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-7.8%
|
-5.3%
|
39.2%
|
18.2%
|
-28.5%
|
|
Multifamily Building Permits
|
161.3%
|
0.9%
|
-67.5%
|
93.5%
|
-53.3%
|
|
Home Price Index
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-0.9%
|
-0.4%
|
-5.3%
|
-3.4%
|
-5.2%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.43
|
3.86
|
3.58
|
3.78
|
3.57
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BANKING TRENDS
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|
General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
24
|
24
|
24
|
24
|
24
|
|
Total Assets (in millions)
|
9,915
|
9,818
|
9,388
|
9,915
|
9,388
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|
New Institutions (# < 3 years)
|
2
|
3
|
3
|
2
|
3
|
|
Subchapter S Institutions
|
1
|
1
|
1
|
1
|
1
|
| |
|
|
|
|
|
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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 %)
|
2.27
|
2.11
|
2.59
|
2.27
|
2.59
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|
Noncurrent Loans / Total Loans (median %)
|
1.22
|
1.44
|
1.19
|
1.22
|
1.19
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|
ALLL/Total Loans (median %)
|
1.15
|
1.12
|
1.10
|
1.15
|
1.10
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|
ALLL/Noncurrent Loans (median multiple)
|
0.88
|
0.82
|
0.87
|
0.88
|
0.87
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|
Net Loan Losses / Total Loans (median %)
|
0.14
|
0.09
|
0.20
|
0.29
|
0.13
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|
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
10.02
|
10.10
|
9.66
|
10.02
|
9.66
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Return on Assets (median %)
|
0.57
|
0.66
|
0.51
|
0.53
|
0.45
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Pretax Return on Assets (median %)
|
0.60
|
0.88
|
0.50
|
0.65
|
0.47
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Net Interest Margin (median %)
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3.65
|
3.72
|
3.61
|
3.63
|
3.62
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Yield on Earning Assets (median %)
|
4.91
|
4.97
|
5.20
|
4.99
|
5.40
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Cost of Funding Earning Assets (median %)
|
1.17
|
1.27
|
1.61
|
1.30
|
1.80
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Provisions to Avg. Assets (median %)
|
0.21
|
0.19
|
0.32
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0.21
|
0.28
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Noninterest Income to Avg. Assets (median %)
|
0.75
|
0.69
|
0.71
|
0.72
|
0.67
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Overhead to Avg. Assets (median %)
|
3.22
|
3.13
|
3.36
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3.11
|
3.28
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Liquidity / Sensitivity
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Q4-10
|
Q3-10
|
Q4-09
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2010
|
2009
|
|
Net Loans to Assets (median %)
|
68.3
|
67.7
|
71.2
|
68.3
|
71.2
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Noncore Funding to Assets (median %)
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23.4
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22.7
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24.1
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23.4
|
24.1
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Long-term Assets to Assets (median %, call filers)
|
31.1
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29.2
|
30.8
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31.1
|
30.8
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Brokered Deposits (number of institutions)
|
11
|
12
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11
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11
|
11
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Brokered Deposits to Assets (median % for those above)
|
2.5
|
2.2
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3.1
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2.5
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3.1
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
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Commercial and Industrial
|
53.4
|
51.3
|
50.3
|
53.4
|
50.3
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|
Commercial Real Estate
|
229.5
|
223.6
|
225.5
|
229.5
|
225.5
|
|
Construction & Development
|
27.1
|
28.6
|
25.2
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27.1
|
25.2
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Multifamily Residential Real Estate
|
15.0
|
15.9
|
15.7
|
15.0
|
15.7
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Nonresidential Real Estate
|
173.7
|
171.2
|
176.4
|
173.7
|
176.4
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Residential Real Estate
|
354.8
|
354.2
|
375.8
|
354.8
|
375.8
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Consumer
|
9.5
|
9.7
|
11.2
|
9.5
|
11.2
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Agriculture
|
0.0
|
0.0
|
0.0
|
0.0
|
0.0
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BANKING PROFILE
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