Alaska
First Quarter 2009
ECONOMIC INDICATORS (Change from year ago, unless noted) Employment Growth Rates Total Nonfarm (share of trailing four quarter employment in parentheses) Manufacturing (4%) Other (non-manufacturing) Goods-Producing (10%) Private Service-Producing (60%) Government (26%) Unemployment Rate (% of labor force) Other Indicators Single-Family Home Permits Multifamily Building Permits Home Price Index Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) BANKING TRENDS General Information Institutions (#) Total Assets (in millions) New Institutions (# < 3 years) Subchapter S Institutions Asset Quality Past-Due and Nonaccrual Loans / Total Loans (median %) ALLL/Total Loans (median %) ALLL/Noncurrent Loans (median multiple) Net Loan Losses / Total Loans (median %) Capital / Earnings Tier 1 Leverage (median %) Return on Assets (median %) Pretax Return on Assets (median %) Net Interest Margin (median %) Yield on Earning Assets (median %) Cost of Funding Earning Assets (median %) Provisions to Avg. Assets (median %) Noninterest Income to Avg. Assets (median %) Overhead to Avg. Assets (median %) Liquidity / Sensitivity Loans to Assets (median %) Noncore Funding to Assets (median %) Long-term Assets to Assets (median %, call filers) Brokered Deposits (number of institutions) Brokered Deposits to Assets (median % for those above) Loan Concentrations (median % of Tier 1 Capital) Commercial and Industrial Commercial Real Estate Construction & Development Multifamily Residential Real Estate Nonresidential Real Estate Residential Real Estate Consumer Agriculture BANKING PROFILE Largest Deposit Markets (from 2008 Summary of Deposits) Anchorage, AK Fairbanks, AK Q1-09 1.1% -2.6% 3.2% 0.8% 1.8% 8.0% Q1-09 -43.1% -91.3% 0.4% N/A Q1-09 7 32,533 0 1 Q1-09 4.25 1.74 0.65 0.18 Q1-09 10.04 1.01 1.26 4.99 5.93 0.83 0.31 1.29 3.86 Q1-09 65.5 19.5 29.0 2 1.5 Q1-09 91.9 376.0 66.4 8.6 237.2 148.2 7.4 4.4 Institutions in Market 5 6 Q4-08 1.6% 1.8% 3.1% 1.4% 1.4% 6.8% Q4-08 -60.0% -72.9% 0.2% 1.14 Q4-08 7 31,484 0 1 Q4-08 4.12 1.57 0.55 0.44 Q4-08 8.43 0.58 0.78 5.10 6.07 1.12 0.60 0.87 3.93 Q4-08 62.8 20.3 28.4 2 1.1 Q4-08 86.4 392.4 63.9 8.4 223.9 152.6 7.8 4.1 Deposits ($ millions) 10,198 920 Q1-08 1.0% 1.5% 2.8% 0.9% 0.4% 6.5% Q1-08 -28.9% -49.2% 0.9% 0.87 Q1-08 6 4,427 0 1 Q1-08 4.35 1.37 0.66 0.11 Q1-08 10.21 0.93 1.17 4.90 6.63 1.86 0.09 0.85 3.71 Q1-08 54.3 23.3 30.9 2 1.6 Q1-08 112.1 380.2 61.6 7.2 237.3 113.0 14.8 1.9 2008 1.4% 0.0% 3.3% 1.2% 1.4% 6.6% 2008 -37.6% -67.9% 0.2% 1.18 2008 7 31,484 0 1 2008 4.12 1.57 0.55 0.34 2008 8.43 1.14 1.17 4.95 6.24 1.44 0.45 0.91 3.76 2008 62.8 20.3 28.4 2 1.1 2008 86.4 392.4 63.9 8.4 223.9 152.6 7.8 4.1 2007 0.9% -0.9% 3.4% 0.9% 0.3% 6.1% 2007 -33.4% -37.8% 4.6% 0.91 2007 6 4,402 0 1 2007 3.77 1.27 1.11 0.12 2007 10.12 1.13 1.64 5.37 7.27 2.33 0.18 0.93 3.56 2007 58.4 20.3 31.8 2 1.9 2007 118.7 423.1 68.8 7.0 230.5 119.5 14.9 1.9
Asset Distribution < $250 million $250 million to $1 billion $1 billion to $10 billion > $10 billion
Institutions 2 (28.6% ) 3 (42.9% ) 1 (14.3% ) 1 (14.3% )