Wyoming - First Quarter 2008
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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|
Employment Growth Rates
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Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
3.0%
|
3.4%
|
4.8%
|
3.9%
|
5.1%
|
|
Manufacturing (4%)
|
-1.0%
|
-0.6%
|
4.8%
|
0.7%
|
4.5%
|
|
Other (non-manufacturing) Goods-Producing (19%)
|
5.0%
|
3.7%
|
9.7%
|
6.1%
|
16.2%
|
|
Private Service-Producing (55%)
|
3.0%
|
3.9%
|
4.6%
|
4.1%
|
3.8%
|
|
Government (23%)
|
2.0%
|
2.8%
|
1.9%
|
2.3%
|
0.5%
|
|
Unemployment Rate (% of labor force)
|
2.8%
|
3.0%
|
2.9%
|
3.0%
|
3.3%
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|
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Other Indicators
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Single-Family Home Permits
|
-26.5%
|
-32.9%
|
0.4%
|
-7.0%
|
-0.4%
|
|
Multifamily Building Permits
|
-60.8%
|
-30.9%
|
17.1%
|
-42.0%
|
30.0%
|
|
Home Price Index
|
6.3%
|
7.8%
|
12.4%
|
10.8%
|
13.5%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
1.36
|
1.24
|
1.47
|
1.45
|
1.26
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BANKING TRENDS
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|
General Information
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Institutions (#)
|
43
|
43
|
45
|
43
|
45
|
|
Total Assets (in millions)
|
7,912
|
7,802
|
7,139
|
7,802
|
7,058
|
|
New Institutions (# < 3 years)
|
3
|
3
|
3
|
3
|
3
|
|
Subchapter S Institutions
|
27
|
26
|
26
|
26
|
26
|
| |
|
|
|
|
|
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Asset Quality
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.22
|
1.68
|
1.54
|
1.68
|
1.12
|
|
ALLL/Total Loans (median %)
|
1.13
|
1.09
|
1.08
|
1.09
|
1.20
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.58
|
2.19
|
2.69
|
2.19
|
2.22
|
|
Net Loan Losses / Total Loans (median %)
|
0.00
|
0.03
|
0.01
|
0.04
|
0.04
|
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|
|
|
|
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Capital / Earnings
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Tier 1 Leverage (median %)
|
8.56
|
8.48
|
8.77
|
8.48
|
8.45
|
|
Return on Assets (median %)
|
1.20
|
1.30
|
1.17
|
1.37
|
1.13
|
|
Pretax Return on Assets (median %)
|
1.52
|
1.50
|
1.60
|
1.52
|
1.59
|
|
Net Interest Margin (median %)
|
4.19
|
4.14
|
4.07
|
4.16
|
4.16
|
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Yield on Earning Assets (median %)
|
6.97
|
7.34
|
7.32
|
7.37
|
6.88
|
|
Cost of Funding Earning Assets (median %)
|
2.68
|
3.02
|
2.88
|
3.00
|
2.55
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Provisions to Avg. Assets (median %)
|
0.09
|
0.09
|
0.09
|
0.12
|
0.11
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Noninterest Income to Avg. Assets (median %)
|
0.58
|
0.61
|
0.56
|
0.60
|
0.59
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Overhead to Avg. Assets (median %)
|
2.97
|
2.89
|
2.98
|
3.08
|
2.96
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|
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Liquidity / Sensitivity
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Loans to Assets (median %)
|
64.6
|
66.6
|
61.7
|
66.6
|
58.3
|
|
Noncore Funding to Assets (median %)
|
22.8
|
22.5
|
20.1
|
22.5
|
19.3
|
|
Long-term Assets to Assets (median %, call filers)
|
16.0
|
15.2
|
14.7
|
15.2
|
13.4
|
|
Brokered Deposits (number of institutions)
|
19
|
16
|
17
|
16
|
15
|
|
Brokered Deposits to Assets (median % for those above)
|
2.1
|
2.8
|
3.7
|
2.8
|
2.8
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|
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Loan Concentrations (median % of Tier 1 Capital)
|
Q1-08
|
Q4-07
|
Q1-07
|
2007
|
2006
|
|
Commercial and Industrial
|
120.8
|
131.1
|
122.6
|
131.1
|
113.9
|
|
Commercial Real Estate
|
275.8
|
268.7
|
218.7
|
268.7
|
208.2
|
|
Construction & Development
|
95.2
|
92.7
|
69.1
|
92.7
|
70.2
|
|
Multifamily Residential Real Estate
|
7.0
|
7.0
|
4.1
|
7.0
|
3.9
|
|
Nonresidential Real Estate
|
164.0
|
154.4
|
146.5
|
154.4
|
145.7
|
|
Residential Real Estate
|
127.1
|
127.0
|
113.6
|
127.0
|
113.4
|
|
Consumer
|
43.6
|
47.1
|
42.5
|
47.1
|
40.0
|
|
Agriculture
|
43.7
|
48.9
|
50.8
|
48.9
|
50.9
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BANKING PROFILE
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