Montana 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%
|
0.0%
|
-3.1%
|
-0.4%
|
-3.5%
|
|
Manufacturing (4%)
|
-3.3%
|
-4.8%
|
-11.0%
|
-5.6%
|
-12.8%
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|
Other (non-manufacturing) Goods-Producing (7%)
|
2.3%
|
-0.3%
|
-17.1%
|
-2.7%
|
-18.2%
|
|
Private Service-Producing (68%)
|
0.6%
|
0.0%
|
-2.4%
|
-0.3%
|
-2.6%
|
|
Government (21%)
|
-2.1%
|
0.7%
|
1.7%
|
0.9%
|
1.7%
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|
Unemployment Rate (% of labor force)
|
7.4%
|
7.3%
|
6.9%
|
7.2%
|
6.3%
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|
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Other Indicators
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Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Single-Family Home Permits
|
-14.6%
|
-11.9%
|
-0.7%
|
1.7%
|
-31.2%
|
|
Multifamily Building Permits
|
205.4%
|
63.9%
|
3.7%
|
103.3%
|
-22.0%
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|
Home Price Index
|
-1.7%
|
-1.9%
|
-3.4%
|
-3.6%
|
-1.6%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.24
|
3.02
|
2.43
|
3.00
|
2.69
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
73
|
73
|
74
|
73
|
74
|
|
Total Assets (in millions)
|
22,082
|
21,570
|
21,170
|
22,082
|
21,170
|
|
New Institutions (# < 3 years)
|
0
|
1
|
2
|
0
|
2
|
|
Subchapter S Institutions
|
28
|
28
|
28
|
28
|
28
|
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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 %)
|
4.72
|
4.25
|
4.02
|
4.72
|
4.02
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|
Noncurrent Loans / Total Loans (median %)
|
2.97
|
2.70
|
2.16
|
2.97
|
2.16
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|
ALLL/Total Loans (median %)
|
2.01
|
1.89
|
1.74
|
2.01
|
1.74
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|
ALLL/Noncurrent Loans (median multiple)
|
0.63
|
0.61
|
0.67
|
0.63
|
0.67
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Net Loan Losses / Total Loans (median %)
|
0.63
|
0.17
|
0.54
|
0.51
|
0.51
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Tier 1 Leverage (median %)
|
9.62
|
9.92
|
9.66
|
9.62
|
9.66
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Return on Assets (median %)
|
0.67
|
0.81
|
0.65
|
0.62
|
0.72
|
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Pretax Return on Assets (median %)
|
0.80
|
0.99
|
0.71
|
0.83
|
0.99
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Net Interest Margin (median %)
|
4.05
|
4.20
|
4.22
|
4.19
|
4.34
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Yield on Earning Assets (median %)
|
5.22
|
5.45
|
5.69
|
5.36
|
6.01
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Cost of Funding Earning Assets (median %)
|
1.01
|
1.10
|
1.38
|
1.13
|
1.55
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Provisions to Avg. Assets (median %)
|
0.42
|
0.30
|
0.38
|
0.45
|
0.51
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Noninterest Income to Avg. Assets (median %)
|
0.62
|
0.53
|
0.62
|
0.61
|
0.61
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Overhead to Avg. Assets (median %)
|
2.99
|
2.93
|
3.09
|
2.94
|
3.07
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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 %)
|
59.8
|
63.0
|
65.2
|
59.8
|
65.2
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Noncore Funding to Assets (median %)
|
18.9
|
19.3
|
20.5
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18.9
|
20.5
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Long-term Assets to Assets (median %, call filers)
|
18.0
|
17.4
|
18.8
|
18.0
|
18.8
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Brokered Deposits (number of institutions)
|
31
|
30
|
29
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31
|
29
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Brokered Deposits to Assets (median % for those above)
|
4.9
|
4.0
|
5.3
|
4.9
|
5.3
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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
|
69.9
|
72.5
|
73.1
|
69.9
|
73.1
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Commercial Real Estate
|
188.8
|
202.4
|
199.0
|
188.8
|
199.0
|
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Construction & Development
|
40.2
|
41.8
|
53.5
|
40.2
|
53.5
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Multifamily Residential Real Estate
|
4.8
|
4.3
|
4.6
|
4.8
|
4.6
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Nonresidential Real Estate
|
128.8
|
134.5
|
135.4
|
128.8
|
135.4
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Residential Real Estate
|
105.3
|
112.0
|
109.2
|
105.3
|
109.2
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Consumer
|
30.0
|
30.4
|
32.8
|
30.0
|
32.8
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Agriculture
|
78.3
|
83.9
|
78.4
|
78.3
|
78.4
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BANKING PROFILE
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