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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Q4-09
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Q3-09
|
Q4-08
|
2009
|
2008
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-6.2%
|
-5.4%
|
2.5%
|
-4.0%
|
3.2%
|
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Manufacturing (3%)
|
-8.8%
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-8.7%
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-1.3%
|
-8.1%
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-2.0%
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Other (non-manufacturing) Goods-Producing (17%)
|
-18.6%
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-17.5%
|
4.2%
|
-13.9%
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6.5%
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Private Service-Producing (55%)
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-5.0%
|
-3.9%
|
1.5%
|
-3.2%
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2.4%
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Government (25%)
|
1.6%
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2.3%
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4.1%
|
3.1%
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3.4%
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Unemployment Rate (% of labor force)
|
7.5%
|
7.1%
|
3.8%
|
6.4%
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3.2%
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Other Indicators
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Q4-09
|
Q3-09
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Q4-08
|
2009
|
2008
|
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Single-Family Home Permits
|
-28.1%
|
-25.7%
|
-25.3%
|
-36.7%
|
-22.6%
|
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Multifamily Building Permits
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-71.7%
|
55.5%
|
7.6%
|
-28.9%
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55.1%
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Home Price Index
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-3.5%
|
-1.8%
|
1.0%
|
-1.3%
|
2.8%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.42
|
2.42
|
1.68
|
2.34
|
1.47
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BANKING TRENDS
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General Information
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
|
|
Institutions (#)
|
37
|
37
|
39
|
37
|
39
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Total Assets (in millions)
|
7,160
|
6,990
|
6,705
|
7,160
|
6,705
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New Institutions (# < 3 years)
|
0
|
0
|
3
|
0
|
3
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|
Subchapter S Institutions
|
21
|
22
|
23
|
21
|
23
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|
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Asset Quality
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Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
3.35
|
3.01
|
1.94
|
3.35
|
1.94
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|
Noncurrent Loans / Total Loans (median %)
|
1.83
|
1.49
|
0.87
|
1.83
|
0.87
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ALLL/Total Loans (median %)
|
1.50
|
1.34
|
1.23
|
1.50
|
1.23
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ALLL/Noncurrent Loans (median multiple)
|
0.75
|
0.97
|
1.12
|
0.75
|
1.12
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Net Loan Losses / Total Loans (median %)
|
0.29
|
0.27
|
0.23
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0.26
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0.15
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Capital / Earnings
|
Q4-09
|
Q3-09
|
Q4-08
|
2009
|
2008
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Tier 1 Leverage (median %)
|
9.04
|
9.16
|
8.62
|
9.04
|
8.62
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Return on Assets (median %)
|
0.59
|
0.83
|
0.84
|
0.70
|
0.64
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Pretax Return on Assets (median %)
|
0.74
|
0.96
|
0.98
|
0.90
|
0.90
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Net Interest Margin (median %)
|
4.03
|
4.15
|
4.04
|
4.16
|
4.12
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Yield on Earning Assets (median %)
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5.35
|
5.66
|
6.22
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5.69
|
6.60
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Cost of Funding Earning Assets (median %)
|
1.38
|
1.51
|
2.03
|
1.55
|
2.32
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Provisions to Avg. Assets (median %)
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0.50
|
0.30
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0.28
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0.51
|
0.22
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Noninterest Income to Avg. Assets (median %)
|
0.53
|
0.60
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0.53
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0.60
|
0.57
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Overhead to Avg. Assets (median %)
|
3.12
|
3.13
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2.98
|
3.03
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2.93
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Liquidity / Sensitivity
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Q4-09
|
Q3-09
|
Q4-08
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2009
|
2008
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Net Loans to Assets (median %)
|
62.6
|
62.0
|
66.7
|
62.6
|
66.7
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Noncore Funding to Assets (median %)
|
23.5
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24.6
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23.4
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23.5
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23.4
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Long-term Assets to Assets (median %, call filers)
|
20.0
|
17.7
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17.1
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20.0
|
17.1
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Brokered Deposits (number of institutions)
|
19
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19
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20
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19
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20
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Brokered Deposits to Assets (median % for those above)
|
2.5
|
3.0
|
3.4
|
2.5
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3.4
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-09
|
Q3-09
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Q4-08
|
2009
|
2008
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Commercial and Industrial
|
88.6
|
93.5
|
114.6
|
88.6
|
114.6
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Commercial Real Estate
|
220.2
|
229.0
|
256.0
|
220.2
|
256.0
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Construction & Development
|
52.7
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63.2
|
81.0
|
52.7
|
81.0
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Multifamily Residential Real Estate
|
5.3
|
5.5
|
8.9
|
5.3
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8.9
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Nonresidential Real Estate
|
128.7
|
132.1
|
150.0
|
128.7
|
150.0
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Residential Real Estate
|
115.5
|
124.0
|
111.9
|
115.5
|
111.9
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Consumer
|
45.6
|
44.4
|
45.8
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45.6
|
45.8
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Agriculture
|
75.5
|
69.2
|
67.0
|
75.5
|
67.0
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BANKING PROFILE
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