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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Q3-09
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Q2-09
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Q3-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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-1.8%
|
-2.0%
|
0.4%
|
0.8%
|
1.7%
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Manufacturing (10%)
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-10.0%
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-8.6%
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-0.3%
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0.2%
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-0.1%
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Other (non-manufacturing) Goods-Producing (5%)
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-3.8%
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-5.4%
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-2.8%
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-0.9%
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4.4%
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Private Service-Producing (67%)
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-1.7%
|
-1.9%
|
0.5%
|
0.9%
|
2.2%
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Government (18%)
|
3.6%
|
2.3%
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1.3%
|
0.9%
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0.2%
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Unemployment Rate (% of labor force)
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5.0%
|
4.8%
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3.3%
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3.3%
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3.0%
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Other Indicators
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Q3-09
|
Q2-09
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Q3-08
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2008
|
2007
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Single-Family Home Permits
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-11.3%
|
6.1%
|
-24.0%
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-24.2%
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-13.6%
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Multifamily Building Permits
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-70.5%
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-66.0%
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246.5%
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10.4%
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-27.6%
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Home Price Index
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0.7%
|
0.1%
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-0.4%
|
0.4%
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1.7%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
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4.16
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4.24
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3.92
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3.62
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2.91
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BANKING TRENDS
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General Information
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Q3-09
|
Q2-09
|
Q3-08
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2008
|
2007
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|
Institutions (#)
|
237
|
240
|
244
|
242
|
248
|
|
Total Assets (in millions)
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47,949
|
48,234
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47,268
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48,498
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42,498
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New Institutions (# < 3 years)
|
3
|
3
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4
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3
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4
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Subchapter S Institutions
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94
|
96
|
94
|
94
|
91
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|
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Asset Quality
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Q3-09
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Q2-09
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Q3-08
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2008
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2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
|
2.00
|
2.28
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1.90
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2.00
|
1.51
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Noncurrent Loans / Total Loans (median %)
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1.08
|
1.25
|
0.76
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0.76
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0.51
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ALLL/Total Loans (median %)
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1.40
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1.39
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1.43
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1.40
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1.43
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ALLL/Noncurrent Loans (median multiple)
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1.11
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1.06
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1.54
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1.46
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2.17
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Net Loan Losses / Total Loans (median %)
|
0.03
|
0.01
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0.01
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0.20
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0.05
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Capital / Earnings
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Q3-09
|
Q2-09
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Q3-08
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2008
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2007
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Tier 1 Leverage (median %)
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9.82
|
9.55
|
9.90
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9.56
|
9.73
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Return on Assets (median %)
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0.98
|
0.82
|
1.08
|
0.88
|
1.01
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Pretax Return on Assets (median %)
|
1.22
|
1.02
|
1.30
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1.07
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1.26
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Net Interest Margin (median %)
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4.01
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3.85
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3.95
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3.89
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3.88
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Yield on Earning Assets (median %)
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5.72
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5.66
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6.38
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6.47
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7.18
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Cost of Funding Earning Assets (median %)
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1.69
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1.84
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2.45
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2.59
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3.25
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Provisions to Avg. Assets (median %)
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0.14
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0.15
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0.01
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0.16
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0.04
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Noninterest Income to Avg. Assets (median %)
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0.50
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0.46
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0.49
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0.51
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0.52
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Overhead to Avg. Assets (median %)
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2.87
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2.91
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2.70
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2.79
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2.83
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Liquidity / Sensitivity
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Q3-09
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Q2-09
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Q3-08
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2008
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2007
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Net Loans to Assets (median %)
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68.0
|
66.0
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69.1
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67.6
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67.1
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Noncore Funding to Assets (median %)
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20.6
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19.8
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20.4
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20.8
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19.2
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Long-term Assets to Assets (median %, call filers)
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12.0
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12.1
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11.4
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11.3
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9.8
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Brokered Deposits (number of institutions)
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97
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104
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105
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108
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104
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Brokered Deposits to Assets (median % for those above)
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3.2
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3.2
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2.7
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3.7
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2.9
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Loan Concentrations (median % of Total Risk-Based Capital)
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Q3-09
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Q2-09
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Q3-08
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2008
|
2007
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Commercial and Industrial
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75.8
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78.7
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80.7
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82.1
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79.2
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Commercial Real Estate
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60.6
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64.9
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63.0
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62.6
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58.8
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Construction & Development
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7.1
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8.7
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6.9
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7.1
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6.9
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Multifamily Residential Real Estate
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0.5
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0.5
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0.9
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0.8
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0.1
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Nonresidential Real Estate
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42.5
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43.8
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42.2
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43.4
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39.9
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Residential Real Estate
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67.8
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71.2
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63.3
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67.1
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59.1
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Consumer
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31.0
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30.9
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30.9
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30.5
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31.9
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Agriculture
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254.4
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254.1
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256.3
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256.4
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262.0
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BANKING PROFILE
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