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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Q4-10
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Q3-10
|
Q4-09
|
2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
0.9%
|
0.0%
|
-6.2%
|
-1.3%
|
-4.0%
|
|
Manufacturing (3%)
|
-0.7%
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-3.3%
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-11.8%
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-4.3%
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-9.2%
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Other (non-manufacturing) Goods-Producing (17%)
|
4.6%
|
0.7%
|
-18.7%
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-3.4%
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-14.0%
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Private Service-Producing (54%)
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-0.2%
|
-0.6%
|
-4.8%
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-1.8%
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-3.1%
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Government (26%)
|
1.0%
|
1.3%
|
1.6%
|
1.4%
|
3.0%
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Unemployment Rate (% of labor force)
|
6.5%
|
6.8%
|
7.7%
|
7.0%
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6.5%
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Other Indicators
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Q4-10
|
Q3-10
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Q4-09
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2010
|
2009
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Single-Family Home Permits
|
39.1%
|
-15.9%
|
-28.1%
|
13.4%
|
-36.7%
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|
Multifamily Building Permits
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412.5%
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-61.0%
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-71.7%
|
80.8%
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-28.9%
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Home Price Index
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-0.4%
|
-1.6%
|
-3.0%
|
-2.3%
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-1.3%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
2.40
|
2.81
|
2.41
|
2.68
|
2.33
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
37
|
37
|
37
|
37
|
37
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Total Assets (in millions)
|
7,555
|
7,394
|
7,159
|
7,555
|
7,159
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New Institutions (# < 3 years)
|
0
|
0
|
0
|
0
|
0
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Subchapter S Institutions
|
21
|
21
|
21
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21
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21
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|
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|
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Asset Quality
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Q4-10
|
Q3-10
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Q4-09
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2010
|
2009
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.75
|
3.09
|
3.35
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2.75
|
3.35
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Noncurrent Loans / Total Loans (median %)
|
1.30
|
1.63
|
1.83
|
1.30
|
1.83
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ALLL/Total Loans (median %)
|
1.79
|
1.71
|
1.50
|
1.79
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1.50
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ALLL/Noncurrent Loans (median multiple)
|
1.17
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0.91
|
0.75
|
1.17
|
0.75
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Net Loan Losses / Total Loans (median %)
|
0.14
|
0.23
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0.29
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0.39
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0.26
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Capital / Earnings
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Q4-10
|
Q3-10
|
Q4-09
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2010
|
2009
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Tier 1 Leverage (median %)
|
9.18
|
9.30
|
9.04
|
9.18
|
9.04
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Return on Assets (median %)
|
0.74
|
0.84
|
0.59
|
0.60
|
0.70
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Pretax Return on Assets (median %)
|
0.92
|
1.08
|
0.76
|
0.79
|
0.90
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Net Interest Margin (median %)
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3.80
|
3.94
|
4.03
|
3.96
|
4.16
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Yield on Earning Assets (median %)
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4.80
|
4.89
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5.35
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5.02
|
5.69
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Cost of Funding Earning Assets (median %)
|
1.01
|
1.12
|
1.38
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1.14
|
1.55
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Provisions to Avg. Assets (median %)
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0.23
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0.28
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0.50
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0.33
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0.51
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Noninterest Income to Avg. Assets (median %)
|
0.51
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0.52
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0.53
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0.54
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0.60
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Overhead to Avg. Assets (median %)
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3.05
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3.01
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3.12
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3.13
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3.03
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Liquidity / Sensitivity
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Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Net Loans to Assets (median %)
|
55.1
|
60.4
|
62.6
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55.1
|
62.6
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Noncore Funding to Assets (median %)
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22.6
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22.5
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23.5
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22.6
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23.5
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Long-term Assets to Assets (median %, call filers)
|
21.5
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20.3
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20.0
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21.5
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20.0
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Brokered Deposits (number of institutions)
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17
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17
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18
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17
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18
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Brokered Deposits to Assets (median % for those above)
|
3.1
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2.3
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2.2
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3.1
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2.2
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Loan Concentrations (median % of Total Risk-Based Capital)
|
Q4-10
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Q3-10
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Q4-09
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2010
|
2009
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Commercial and Industrial
|
81.1
|
77.6
|
88.6
|
81.1
|
88.6
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Commercial Real Estate
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199.1
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213.3
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220.2
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199.1
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220.2
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Construction & Development
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34.9
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37.9
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52.7
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34.9
|
52.7
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Multifamily Residential Real Estate
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5.6
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4.8
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5.3
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5.6
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5.3
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Nonresidential Real Estate
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137.7
|
136.8
|
128.7
|
137.7
|
128.7
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Residential Real Estate
|
115.1
|
115.5
|
115.5
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115.1
|
115.5
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Consumer
|
39.3
|
39.5
|
45.8
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39.3
|
45.8
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Agriculture
|
71.4
|
71.7
|
75.5
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71.4
|
75.5
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BANKING PROFILE
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