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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Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.8%
|
3.0%
|
3.8%
|
3.3%
|
4.2%
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|
Manufacturing (3%)
|
-1.7%
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-2.6%
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-3.6%
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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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-1.7%
|
5.2%
|
8.6%
|
6.8%
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6.8%
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Private Service-Producing (54%)
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0.7%
|
2.1%
|
3.3%
|
2.5%
|
4.2%
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Government (23%)
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3.6%
|
4.2%
|
2.5%
|
3.5%
|
2.6%
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Unemployment Rate (% of labor force)
|
4.0%
|
3.2%
|
2.8%
|
3.1%
|
2.9%
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Other Indicators
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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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|
Single-Family Home Permits
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-50.7%
|
-25.3%
|
-26.5%
|
-22.6%
|
-7.0%
|
|
Multifamily Building Permits
|
15.7%
|
7.6%
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-60.8%
|
55.1%
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-42.0%
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Home Price Index
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0.3%
|
1.8%
|
6.1%
|
3.2%
|
10.3%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
1.83
|
1.68
|
1.36
|
1.47
|
1.45
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BANKING TRENDS
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General Information
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
|
|
Institutions (#)
|
39
|
39
|
43
|
39
|
43
|
|
Total Assets (in millions)
|
6,947
|
6,705
|
7,916
|
6,705
|
7,802
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New Institutions (# < 3 years)
|
3
|
3
|
3
|
3
|
3
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Subchapter S Institutions
|
23
|
23
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27
|
23
|
26
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|
|
|
|
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Asset Quality
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Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
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|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.33
|
1.94
|
2.22
|
1.94
|
1.68
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|
ALLL/Total Loans (median %)
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1.32
|
1.23
|
1.13
|
1.23
|
1.09
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ALLL/Noncurrent Loans (median multiple)
|
0.78
|
1.12
|
1.58
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1.12
|
2.19
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Net Loan Losses / Total Loans (median %)
|
0.08
|
0.23
|
0.00
|
0.15
|
0.04
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Capital / Earnings
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
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|
Tier 1 Leverage (median %)
|
9.34
|
8.62
|
8.56
|
8.62
|
8.48
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Return on Assets (median %)
|
0.88
|
0.84
|
1.20
|
0.64
|
1.37
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Pretax Return on Assets (median %)
|
1.15
|
0.98
|
1.52
|
0.90
|
1.52
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Net Interest Margin (median %)
|
4.07
|
4.04
|
4.19
|
4.12
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4.16
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Yield on Earning Assets (median %)
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5.87
|
6.22
|
6.97
|
6.60
|
7.37
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Cost of Funding Earning Assets (median %)
|
1.79
|
2.03
|
2.68
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2.32
|
3.00
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Provisions to Avg. Assets (median %)
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0.21
|
0.28
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0.09
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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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0.55
|
0.53
|
0.58
|
0.57
|
0.60
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Overhead to Avg. Assets (median %)
|
3.01
|
2.98
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2.97
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2.93
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3.08
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Liquidity / Sensitivity
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Q1-09
|
Q4-08
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Q1-08
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2008
|
2007
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|
Loans to Assets (median %)
|
64.4
|
67.7
|
64.6
|
67.7
|
66.6
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Noncore Funding to Assets (median %)
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24.4
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23.4
|
23.1
|
23.4
|
22.9
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Long-term Assets to Assets (median %, call filers)
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17.5
|
17.1
|
16.0
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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
|
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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3.8
|
3.4
|
2.1
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3.4
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3.0
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Loan Concentrations (median % of Tier 1 Capital)
|
Q1-09
|
Q4-08
|
Q1-08
|
2008
|
2007
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Commercial and Industrial
|
114.5
|
127.0
|
120.8
|
127.0
|
131.1
|
|
Commercial Real Estate
|
278.8
|
283.2
|
275.8
|
283.2
|
268.7
|
|
Construction & Development
|
78.2
|
91.3
|
95.2
|
91.3
|
92.7
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Multifamily Residential Real Estate
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7.4
|
9.3
|
7.0
|
9.3
|
7.0
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Nonresidential Real Estate
|
167.7
|
161.7
|
164.0
|
161.7
|
154.4
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Residential Real Estate
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135.9
|
133.9
|
127.1
|
133.9
|
127.0
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Consumer
|
47.2
|
53.7
|
43.6
|
53.7
|
47.1
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Agriculture
|
73.2
|
72.8
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43.7
|
72.8
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48.9
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BANKING PROFILE
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