Nebraska 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)
|
0.0%
|
0.4%
|
1.8%
|
0.8%
|
1.7%
|
Manufacturing (11%)
|
-1.5%
|
-0.3%
|
0.9%
|
0.2%
|
-0.1%
|
Other (non-manufacturing) Goods-Producing (5%)
|
-3.2%
|
-2.8%
|
4.5%
|
-0.9%
|
4.4%
|
Private Service-Producing (67%)
|
0.0%
|
0.5%
|
2.2%
|
0.9%
|
2.2%
|
Government (17%)
|
1.7%
|
1.3%
|
0.0%
|
0.9%
|
0.2%
|
Unemployment Rate (% of labor force)
|
3.7%
|
3.3%
|
3.0%
|
3.3%
|
3.0%
|
|
|
|
|
|
|
Other Indicators
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Single-Family Home Permits
|
-24.7%
|
-24.0%
|
-19.8%
|
-24.2%
|
-13.6%
|
Multifamily Building Permits
|
-73.1%
|
246.5%
|
42.4%
|
10.4%
|
-27.6%
|
Home Price Index
|
0.1%
|
-0.4%
|
1.8%
|
0.7%
|
2.0%
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.52
|
3.92
|
2.95
|
3.61
|
2.90
|
|
|
|
|
|
|
BANKING TRENDS
|
General Information
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Institutions (#)
|
242
|
244
|
248
|
242
|
248
|
Total Assets (in millions)
|
48,504
|
47,268
|
42,498
|
48,504
|
42,498
|
New Institutions (# < 3 years)
|
3
|
4
|
4
|
3
|
4
|
Subchapter S Institutions
|
94
|
94
|
91
|
94
|
91
|
|
|
|
|
|
|
Asset Quality
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.00
|
1.90
|
1.51
|
2.00
|
1.51
|
ALLL/Total Loans (median %)
|
1.39
|
1.43
|
1.43
|
1.39
|
1.43
|
ALLL/Noncurrent Loans (median multiple)
|
1.46
|
1.54
|
2.17
|
1.46
|
2.17
|
Net Loan Losses / Total Loans (median %)
|
0.19
|
0.01
|
0.01
|
0.20
|
0.05
|
|
|
|
|
|
|
Capital / Earnings
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Tier 1 Leverage (median %)
|
9.56
|
9.90
|
9.73
|
9.56
|
9.73
|
Return on Assets (median %)
|
0.64
|
1.08
|
0.86
|
0.89
|
1.01
|
Pretax Return on Assets (median %)
|
0.71
|
1.30
|
1.09
|
1.10
|
1.26
|
Net Interest Margin (median %)
|
3.95
|
3.95
|
3.92
|
3.90
|
3.88
|
Yield on Earning Assets (median %)
|
6.18
|
6.38
|
7.26
|
6.47
|
7.18
|
Cost of Funding Earning Assets (median %)
|
2.27
|
2.45
|
3.27
|
2.59
|
3.25
|
Provisions to Avg. Assets (median %)
|
0.15
|
0.01
|
0.00
|
0.16
|
0.04
|
Noninterest Income to Avg. Assets (median %)
|
0.50
|
0.49
|
0.54
|
0.51
|
0.52
|
Overhead to Avg. Assets (median %)
|
3.10
|
2.70
|
3.07
|
2.79
|
2.83
|
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Loans to Assets (median %)
|
68.6
|
70.1
|
68.4
|
68.6
|
68.4
|
Noncore Funding to Assets (median %)
|
20.8
|
20.4
|
19.2
|
20.8
|
19.2
|
Long-term Assets to Assets (median %, call filers)
|
11.3
|
11.4
|
9.8
|
11.3
|
9.8
|
Brokered Deposits (number of institutions)
|
107
|
104
|
103
|
107
|
103
|
Brokered Deposits to Assets (median % for those above)
|
3.7
|
2.7
|
2.9
|
3.7
|
2.9
|
|
|
|
|
|
|
Loan Concentrations (median % of Tier 1 Capital)
|
Q4-08
|
Q3-08
|
Q4-07
|
2008
|
2007
|
Commercial and Industrial
|
89.5
|
88.1
|
86.2
|
89.5
|
86.2
|
Commercial Real Estate
|
67.3
|
68.4
|
64.4
|
67.3
|
64.4
|
Construction & Development
|
7.7
|
7.4
|
7.3
|
7.7
|
7.3
|
Multifamily Residential Real Estate
|
0.8
|
1.0
|
0.1
|
0.8
|
0.1
|
Nonresidential Real Estate
|
46.0
|
46.2
|
43.1
|
46.0
|
43.1
|
Residential Real Estate
|
75.3
|
71.4
|
64.3
|
75.3
|
64.3
|
Consumer
|
33.0
|
33.1
|
35.2
|
33.0
|
35.2
|
Agriculture
|
272.6
|
275.5
|
281.9
|
272.6
|
281.9
|
|
|
|
|
|
|
BANKING PROFILE
|