Nebraska at a Glance
|
ECONOMIC INDICATORS
(Change from year ago, unless noted)
|
|
Employment Growth Rates
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Total Nonfarm (share of trailing four quarter employment in parentheses)
|
-2.0%
|
-1.0%
|
1.1%
|
0.8%
|
1.7%
|
|
Manufacturing (10%)
|
-8.6%
|
-6.3%
|
0.8%
|
0.2%
|
-0.1%
|
|
Other (non-manufacturing) Goods-Producing (5%)
|
-5.4%
|
-1.7%
|
1.2%
|
-0.9%
|
4.4%
|
|
Private Service-Producing (67%)
|
-1.9%
|
-1.0%
|
1.2%
|
0.9%
|
2.2%
|
|
Government (17%)
|
2.3%
|
2.4%
|
0.6%
|
0.9%
|
0.2%
|
|
Unemployment Rate (% of labor force)
|
4.8%
|
4.4%
|
3.3%
|
3.3%
|
3.0%
|
| |
|
|
|
|
|
|
Other Indicators
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Single-Family Home Permits
|
6.1%
|
-35.0%
|
-24.2%
|
-24.2%
|
-13.6%
|
|
Multifamily Building Permits
|
-66.0%
|
-68.8%
|
44.3%
|
10.4%
|
-27.6%
|
|
Home Price Index
|
0.1%
|
0.0%
|
0.3%
|
0.5%
|
1.7%
|
|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
|
4.24
|
3.76
|
3.50
|
3.62
|
2.91
|
| |
|
|
|
|
|
|
BANKING TRENDS
|
|
General Information
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Institutions (#)
|
240
|
240
|
245
|
242
|
248
|
|
Total Assets (in millions)
|
48,253
|
48,527
|
43,549
|
48,498
|
42,498
|
|
New Institutions (# < 3 years)
|
3
|
3
|
4
|
3
|
4
|
|
Subchapter S Institutions
|
96
|
95
|
94
|
94
|
91
|
| |
|
|
|
|
|
|
Asset Quality
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.28
|
2.62
|
1.72
|
2.00
|
1.51
|
|
Noncurrent Loans / Total Loans (median %)
|
1.25
|
1.14
|
0.64
|
0.76
|
0.51
|
|
ALLL/Total Loans (median %)
|
1.38
|
1.43
|
1.47
|
1.40
|
1.43
|
|
ALLL/Noncurrent Loans (median multiple)
|
1.06
|
1.06
|
1.82
|
1.46
|
2.17
|
|
Net Loan Losses / Total Loans (median %)
|
0.01
|
0.00
|
0.00
|
0.20
|
0.05
|
| |
|
|
|
|
|
|
Capital / Earnings
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Tier 1 Leverage (median %)
|
9.55
|
9.68
|
9.60
|
9.56
|
9.73
|
|
Return on Assets (median %)
|
0.82
|
0.91
|
1.02
|
0.88
|
1.01
|
|
Pretax Return on Assets (median %)
|
1.02
|
1.14
|
1.30
|
1.07
|
1.26
|
|
Net Interest Margin (median %)
|
3.85
|
3.83
|
3.84
|
3.89
|
3.88
|
|
Yield on Earning Assets (median %)
|
5.66
|
5.79
|
6.40
|
6.47
|
7.18
|
|
Cost of Funding Earning Assets (median %)
|
1.84
|
1.97
|
2.62
|
2.59
|
3.25
|
|
Provisions to Avg. Assets (median %)
|
0.15
|
0.08
|
0.00
|
0.16
|
0.04
|
|
Noninterest Income to Avg. Assets (median %)
|
0.46
|
0.45
|
0.49
|
0.51
|
0.52
|
|
Overhead to Avg. Assets (median %)
|
2.90
|
2.72
|
2.68
|
2.79
|
2.83
|
| |
|
|
|
|
|
|
Liquidity / Sensitivity
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Net Loans to Assets (median %)
|
66.0
|
65.5
|
67.7
|
67.6
|
67.1
|
|
Noncore Funding to Assets (median %)
|
19.8
|
20.0
|
19.1
|
20.8
|
19.2
|
|
Long-term Assets to Assets (median %, call filers)
|
12.1
|
11.8
|
11.4
|
11.3
|
9.8
|
|
Brokered Deposits (number of institutions)
|
104
|
104
|
101
|
107
|
103
|
|
Brokered Deposits to Assets (median % for those above)
|
3.2
|
3.5
|
2.2
|
3.7
|
2.9
|
| |
|
|
|
|
|
|
Loan Concentrations (median % of Total Risk-Based Capital)
|
Q2-09
|
Q1-09
|
Q2-08
|
2008
|
2007
|
|
Commercial and Industrial
|
78.7
|
80.1
|
81.8
|
82.1
|
79.2
|
|
Commercial Real Estate
|
64.9
|
59.2
|
62.8
|
62.6
|
58.8
|
|
Construction & Development
|
8.7
|
8.1
|
7.5
|
7.1
|
6.9
|
|
Multifamily Residential Real Estate
|
0.5
|
0.6
|
1.1
|
0.8
|
0.1
|
|
Nonresidential Real Estate
|
43.8
|
42.8
|
38.7
|
43.4
|
39.9
|
|
Residential Real Estate
|
70.4
|
68.8
|
60.0
|
67.1
|
59.1
|
|
Consumer
|
30.9
|
29.7
|
30.7
|
30.5
|
31.9
|
|
Agriculture
|
254.1
|
242.5
|
253.8
|
256.4
|
262.0
|
| |
|
|
|
|
|
|
BANKING PROFILE
|
