Wyoming 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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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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-1.9%
|
0.8%
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3.3%
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3.3%
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4.2%
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Manufacturing (3%)
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-1.7%
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-1.7%
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-2.0%
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-2.4%
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0.2%
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Other (non-manufacturing) Goods-Producing (19%)
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-9.2%
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-1.7%
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5.8%
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6.8%
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6.8%
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Private Service-Producing (54%)
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-1.3%
|
0.7%
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2.6%
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2.5%
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4.2%
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Government (24%)
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2.3%
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3.6%
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3.6%
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3.5%
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2.6%
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Unemployment Rate (% of labor force)
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5.1%
|
4.0%
|
3.0%
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3.1%
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2.9%
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Other Indicators
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Single-Family Home Permits
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-42.4%
|
-50.7%
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-19.3%
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-22.6%
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-7.0%
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Multifamily Building Permits
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-75.9%
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15.7%
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239.4%
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55.1%
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-42.0%
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Home Price Index
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-0.9%
|
0.4%
|
3.7%
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2.9%
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10.0%
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Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.69
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1.83
|
1.37
|
1.47
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1.45
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BANKING TRENDS
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General Information
|
Q2-09
|
Q1-09
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Q2-08
|
2008
|
2007
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|
Institutions (#)
|
39
|
39
|
43
|
39
|
43
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Total Assets (in millions)
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6,933
|
6,947
|
7,962
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6,705
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7,802
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New Institutions (# < 3 years)
|
2
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3
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3
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3
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3
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Subchapter S Institutions
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23
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23
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27
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23
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26
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|
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|
|
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Asset Quality
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
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2.62
|
3.33
|
2.02
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1.94
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1.68
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Noncurrent Loans / Total Loans (median %)
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1.08
|
1.67
|
1.00
|
0.87
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0.34
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ALLL/Total Loans (median %)
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1.31
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1.32
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1.07
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1.23
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1.09
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ALLL/Noncurrent Loans (median multiple)
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0.79
|
0.78
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0.96
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1.12
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2.19
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Net Loan Losses / Total Loans (median %)
|
0.25
|
0.08
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0.04
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0.15
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0.04
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Capital / Earnings
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Q2-09
|
Q1-09
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Q2-08
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2008
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2007
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Tier 1 Leverage (median %)
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8.95
|
9.34
|
8.67
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8.62
|
8.48
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Return on Assets (median %)
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0.61
|
0.88
|
1.28
|
0.64
|
1.37
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Pretax Return on Assets (median %)
|
0.70
|
1.15
|
1.48
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0.90
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1.52
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Net Interest Margin (median %)
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4.17
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4.07
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4.21
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4.12
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4.16
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Yield on Earning Assets (median %)
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5.73
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5.87
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6.49
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6.60
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7.37
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Cost of Funding Earning Assets (median %)
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1.62
|
1.79
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2.31
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2.32
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3.00
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Provisions to Avg. Assets (median %)
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0.26
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0.21
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0.18
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0.22
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0.12
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Noninterest Income to Avg. Assets (median %)
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0.64
|
0.55
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0.57
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0.57
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0.60
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Overhead to Avg. Assets (median %)
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3.18
|
3.01
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2.91
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2.93
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3.08
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Liquidity / Sensitivity
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Q2-09
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Q1-09
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Q2-08
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2008
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2007
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Net Loans to Assets (median %)
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65.6
|
62.7
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66.3
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66.7
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66.0
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Noncore Funding to Assets (median %)
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25.3
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24.4
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23.5
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23.4
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22.9
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Long-term Assets to Assets (median %, call filers)
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17.8
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17.5
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15.8
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17.1
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15.2
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Brokered Deposits (number of institutions)
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20
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20
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19
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20
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17
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Brokered Deposits to Assets (median % for those above)
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2.8
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3.8
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2.2
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3.4
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3.0
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q2-09
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Q1-09
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Q2-08
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2008
|
2007
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Commercial and Industrial
|
99.6
|
105.7
|
119.8
|
114.6
|
119.7
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Commercial Real Estate
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253.3
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255.3
|
258.4
|
256.0
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245.1
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Construction & Development
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62.0
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71.4
|
87.6
|
81.0
|
82.5
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Multifamily Residential Real Estate
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8.7
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7.1
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7.7
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8.9
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6.2
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Nonresidential Real Estate
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152.9
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146.6
|
146.8
|
150.0
|
147.3
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Residential Real Estate
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131.1
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120.2
|
114.5
|
111.9
|
113.7
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Consumer
|
43.1
|
42.7
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40.0
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45.8
|
40.5
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Agriculture
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70.8
|
67.1
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44.2
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67.0
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44.4
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BANKING PROFILE
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