Oregon 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)
|
0.6%
|
-0.1%
|
-5.6%
|
-0.8%
|
-6.2%
|
|
Manufacturing (10%)
|
1.6%
|
-0.4%
|
-13.5%
|
-2.0%
|
-14.3%
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|
Other (non-manufacturing) Goods-Producing (5%)
|
-2.3%
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-5.2%
|
-19.8%
|
-7.8%
|
-21.4%
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Private Service-Producing (66%)
|
0.9%
|
0.4%
|
-4.3%
|
-0.3%
|
-5.1%
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|
Government (19%)
|
-0.1%
|
-0.2%
|
-0.8%
|
0.0%
|
0.5%
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Unemployment Rate (% of labor force)
|
10.6%
|
10.7%
|
11.0%
|
10.8%
|
11.1%
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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
|
-6.6%
|
-8.1%
|
19.9%
|
3.7%
|
-28.7%
|
|
Multifamily Building Permits
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-13.2%
|
170.8%
|
-14.2%
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-12.8%
|
-53.7%
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|
Home Price Index
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-4.5%
|
-4.5%
|
-8.7%
|
-6.5%
|
-7.7%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.49
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5.22
|
4.76
|
5.08
|
4.65
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
34
|
34
|
37
|
34
|
37
|
|
Total Assets (in millions)
|
38,182
|
37,570
|
40,597
|
38,182
|
40,597
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New Institutions (# < 3 years)
|
1
|
1
|
3
|
1
|
3
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|
Subchapter S Institutions
|
3
|
3
|
3
|
3
|
3
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|
|
|
|
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Asset Quality
|
Q4-10
|
Q3-10
|
Q4-09
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2010
|
2009
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
4.88
|
4.94
|
3.99
|
4.88
|
3.99
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|
Noncurrent Loans / Total Loans (median %)
|
3.84
|
3.62
|
3.04
|
3.84
|
3.04
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ALLL/Total Loans (median %)
|
1.71
|
1.90
|
1.78
|
1.71
|
1.78
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ALLL/Noncurrent Loans (median multiple)
|
0.55
|
0.54
|
0.48
|
0.55
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0.48
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Net Loan Losses / Total Loans (median %)
|
0.77
|
0.51
|
2.13
|
0.70
|
1.14
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Capital / Earnings
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
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|
Tier 1 Leverage (median %)
|
9.30
|
8.97
|
9.42
|
9.30
|
9.42
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Return on Assets (median %)
|
0.45
|
0.41
|
-1.00
|
0.28
|
-0.40
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Pretax Return on Assets (median %)
|
0.62
|
0.61
|
-1.60
|
0.43
|
-0.79
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Net Interest Margin (median %)
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4.60
|
4.63
|
4.25
|
4.60
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4.33
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Yield on Earning Assets (median %)
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5.47
|
5.60
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5.75
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5.57
|
5.95
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Cost of Funding Earning Assets (median %)
|
0.98
|
1.03
|
1.36
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1.06
|
1.56
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Provisions to Avg. Assets (median %)
|
0.51
|
0.43
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1.99
|
0.63
|
1.47
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Noninterest Income to Avg. Assets (median %)
|
0.39
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0.25
|
0.31
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0.37
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0.44
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Overhead to Avg. Assets (median %)
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3.59
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3.65
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3.59
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3.61
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3.64
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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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70.4
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70.7
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74.0
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70.4
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74.0
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Noncore Funding to Assets (median %)
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19.6
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19.6
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25.8
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19.6
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25.8
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Long-term Assets to Assets (median %, call filers)
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21.3
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20.1
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20.5
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21.3
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20.5
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Brokered Deposits (number of institutions)
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24
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24
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28
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24
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28
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Brokered Deposits to Assets (median % for those above)
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6.4
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7.1
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8.7
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6.4
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8.7
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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
|
106.2
|
109.9
|
110.3
|
106.2
|
110.3
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Commercial Real Estate
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382.8
|
399.0
|
398.0
|
382.8
|
398.0
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Construction & Development
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54.6
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70.1
|
75.5
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54.6
|
75.5
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Multifamily Residential Real Estate
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22.0
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23.3
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19.3
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22.0
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19.3
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Nonresidential Real Estate
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274.3
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285.5
|
280.2
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274.3
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280.2
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Residential Real Estate
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100.9
|
104.9
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101.7
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100.9
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101.7
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Consumer
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7.5
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7.9
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8.4
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7.5
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8.4
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Agriculture
|
10.3
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11.4
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11.3
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10.3
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11.3
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BANKING PROFILE
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