Nebraska 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
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Q4-09
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2010
|
2009
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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0.6%
|
-0.2%
|
-2.7%
|
-0.5%
|
-2.1%
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|
Manufacturing (10%)
|
0.7%
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-0.2%
|
-8.3%
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-1.7%
|
-8.1%
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|
Other (non-manufacturing) Goods-Producing (5%)
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-7.4%
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-10.9%
|
-8.2%
|
-9.8%
|
-5.9%
|
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Private Service-Producing (68%)
|
1.2%
|
0.7%
|
-2.7%
|
0.0%
|
-2.1%
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Government (18%)
|
0.3%
|
-0.3%
|
1.9%
|
0.6%
|
2.8%
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Unemployment Rate (% of labor force)
|
4.4%
|
4.5%
|
5.0%
|
4.6%
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4.8%
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|
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Other Indicators
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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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Single-Family Home Permits
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-14.2%
|
-18.2%
|
3.7%
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-7.4%
|
-7.2%
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|
Multifamily Building Permits
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276.2%
|
1.1%
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-43.0%
|
60.0%
|
-64.8%
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Home Price Index
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0.2%
|
0.8%
|
-0.5%
|
-0.6%
|
0.0%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
3.91
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4.12
|
3.94
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4.21
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4.03
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BANKING TRENDS
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General Information
|
Q4-10
|
Q3-10
|
Q4-09
|
2010
|
2009
|
|
Institutions (#)
|
224
|
226
|
236
|
224
|
236
|
|
Total Assets (in millions)
|
54,148
|
54,027
|
49,189
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54,148
|
49,189
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New Institutions (# < 3 years)
|
0
|
2
|
2
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0
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2
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|
Subchapter S Institutions
|
91
|
92
|
93
|
91
|
93
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|
|
|
|
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Asset Quality
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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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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
1.47
|
1.75
|
2.10
|
1.47
|
2.10
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|
Noncurrent Loans / Total Loans (median %)
|
0.84
|
1.06
|
1.00
|
0.84
|
1.00
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ALLL/Total Loans (median %)
|
1.49
|
1.46
|
1.47
|
1.49
|
1.47
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ALLL/Noncurrent Loans (median multiple)
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1.61
|
1.32
|
1.18
|
1.61
|
1.18
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Net Loan Losses / Total Loans (median %)
|
0.12
|
0.00
|
0.10
|
0.17
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0.17
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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 %)
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9.58
|
9.69
|
9.65
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9.58
|
9.65
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Return on Assets (median %)
|
0.86
|
1.13
|
0.74
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0.95
|
0.81
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Pretax Return on Assets (median %)
|
1.05
|
1.43
|
0.86
|
1.18
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1.05
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Net Interest Margin (median %)
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3.99
|
4.04
|
4.02
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3.99
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3.95
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Yield on Earning Assets (median %)
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5.15
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5.29
|
5.61
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5.27
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5.69
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Cost of Funding Earning Assets (median %)
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1.17
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1.27
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1.56
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1.28
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1.78
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Provisions to Avg. Assets (median %)
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0.15
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0.11
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0.22
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0.18
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0.23
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Noninterest Income to Avg. Assets (median %)
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0.49
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0.50
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0.50
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0.49
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0.51
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Overhead to Avg. Assets (median %)
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3.04
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2.75
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2.97
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2.86
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2.89
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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
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2009
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Net Loans to Assets (median %)
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64.9
|
67.0
|
66.1
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64.9
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66.1
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Noncore Funding to Assets (median %)
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19.4
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19.8
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20.0
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19.4
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20.0
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Long-term Assets to Assets (median %, call filers)
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14.0
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13.7
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11.9
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14.0
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11.9
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Brokered Deposits (number of institutions)
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94
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97
|
98
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94
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98
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Brokered Deposits to Assets (median % for those above)
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3.2
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3.1
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3.4
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3.2
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3.4
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Loan Concentrations (median % of Total Risk-Based Capital)
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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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Commercial and Industrial
|
74.5
|
76.4
|
76.5
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74.5
|
76.5
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Commercial Real Estate
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57.6
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59.1
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60.7
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57.6
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60.7
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Construction & Development
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5.3
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6.7
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6.5
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5.3
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6.5
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Multifamily Residential Real Estate
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0.9
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0.7
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0.7
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0.9
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0.7
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Nonresidential Real Estate
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46.3
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45.6
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44.1
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46.3
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44.1
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Residential Real Estate
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66.6
|
68.3
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67.0
|
66.6
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67.0
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Consumer
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28.5
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28.8
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30.5
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28.5
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30.5
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Agriculture
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256.1
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256.6
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252.1
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256.1
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252.1
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BANKING PROFILE
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