Wyoming at a Glance
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
Employment Growth Rates
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
3.0%
|
3.3%
|
4.1%
|
3.3%
|
4.2%
|
Manufacturing (3%)
|
-2.6%
|
-1.3%
|
-1.6%
|
-2.4%
|
0.2%
|
Other (non-manufacturing) Goods-Producing (19%)
|
5.2%
|
7.6%
|
5.9%
|
6.8%
|
6.8%
|
Private Service-Producing (54%)
|
2.1%
|
2.0%
|
4.2%
|
2.5%
|
4.2%
|
Government (23%)
|
4.2%
|
3.6%
|
3.4%
|
3.5%
|
2.6%
|
Unemployment Rate (% of labor force)
|
3.2%
|
3.3%
|
2.8%
|
3.1%
|
2.9%
|
|
|
|
|
|
|
Other Indicators
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Single-Family Home Permits
|
-25.3%
|
-21.8%
|
-32.9%
|
-22.6%
|
-7.0%
|
Multifamily Building Permits
|
7.6%
|
216.3%
|
-30.9%
|
55.1%
|
-42.0%
|
Home Price Index
|
1.7%
|
1.7%
|
7.8%
|
3.4%
|
10.7%
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
1.68
|
1.49
|
1.24
|
1.47
|
1.45
|
|
|
|
|
|
|
BANKING TRENDS
|
General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Institutions (#)
|
39
|
43
|
43
|
39
|
43
|
Total Assets (in millions)
|
6,701
|
8,741
|
7,802
|
6,701
|
7,802
|
New Institutions (# < 3 years)
|
3
|
3
|
3
|
3
|
3
|
Subchapter S Institutions
|
23
|
23
|
26
|
23
|
26
|
|
|
|
|
|
|
Asset Quality
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
1.94
|
2.59
|
1.68
|
1.94
|
1.68
|
ALLL/Total Loans (median %)
|
1.23
|
1.13
|
1.09
|
1.23
|
1.09
|
ALLL/Noncurrent Loans (median multiple)
|
1.12
|
0.79
|
2.19
|
1.12
|
2.19
|
Net Loan Losses / Total Loans (median %)
|
0.23
|
0.00
|
0.03
|
0.15
|
0.04
|
|
|
|
|
|
|
Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Tier 1 Leverage (median %)
|
8.62
|
8.88
|
8.48
|
8.62
|
8.48
|
Return on Assets (median %)
|
0.84
|
1.12
|
1.30
|
0.64
|
1.37
|
Pretax Return on Assets (median %)
|
0.98
|
1.35
|
1.50
|
0.90
|
1.52
|
Net Interest Margin (median %)
|
4.04
|
4.22
|
4.14
|
4.12
|
4.16
|
Yield on Earning Assets (median %)
|
6.26
|
6.56
|
7.34
|
6.60
|
7.37
|
Cost of Funding Earning Assets (median %)
|
2.06
|
2.12
|
3.02
|
2.32
|
3.00
|
Provisions to Avg. Assets (median %)
|
0.28
|
0.19
|
0.09
|
0.22
|
0.12
|
Noninterest Income to Avg. Assets (median %)
|
0.54
|
0.54
|
0.61
|
0.57
|
0.60
|
Overhead to Avg. Assets (median %)
|
2.98
|
2.95
|
2.89
|
2.93
|
3.08
|
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Loans to Assets (median %)
|
67.7
|
63.6
|
66.6
|
67.7
|
66.6
|
Noncore Funding to Assets (median %)
|
23.4
|
22.6
|
22.9
|
23.4
|
22.9
|
Long-term Assets to Assets (median %, call filers)
|
17.1
|
15.7
|
15.2
|
17.1
|
15.2
|
Brokered Deposits (number of institutions)
|
20
|
19
|
17
|
20
|
17
|
Brokered Deposits to Assets (median % for those above)
|
3.4
|
2.3
|
3.0
|
3.4
|
3.0
|
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Commercial and Industrial
|
127.0
|
123.7
|
131.1
|
127.0
|
131.1
|
Commercial Real Estate
|
283.2
|
283.3
|
268.7
|
283.2
|
268.7
|
Construction & Development
|
91.3
|
95.4
|
92.7
|
91.3
|
92.7
|
Multifamily Residential Real Estate
|
9.3
|
8.2
|
7.0
|
9.3
|
7.0
|
Nonresidential Real Estate
|
161.7
|
162.5
|
154.4
|
161.7
|
154.4
|
Residential Real Estate
|
133.9
|
129.7
|
127.0
|
133.9
|
127.0
|
Consumer
|
53.7
|
44.4
|
47.1
|
53.7
|
47.1
|
Agriculture
|
72.8
|
48.6
|
48.9
|
72.8
|
48.9
|
|
|
|
|
|
|
BANKING PROFILE
|