Nebraska - Fourth Quarter 2007
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ECONOMIC INDICATORS
(Change from year ago, unless noted)
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Employment Growth Rates
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Total Nonfarm (share of trailing four quarter employment in parentheses)
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1.8%
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2.0%
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1.3%
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1.2%
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1.4%
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Manufacturing (11%)
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0.9%
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-0.1%
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-0.6%
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0.1%
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0.3%
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Other (non-manufacturing) Goods-Producing (5%)
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5.2%
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6.2%
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2.5%
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1.1%
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-1.2%
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Private Service-Producing (67%)
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1.8%
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2.2%
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1.7%
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1.6%
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1.9%
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Government (17%)
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1.1%
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1.1%
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0.5%
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0.7%
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0.7%
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Unemployment Rate (% of labor force)
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3.1%
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3.1%
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3.0%
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3.1%
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3.9%
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Other Indicators
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Single-Family Home Permits
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-19.8%
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4.4%
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-41.4%
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-24.8%
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10.0%
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Multifamily Building Permits
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42.4%
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-63.0%
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47.2%
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47.5%
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-14.8%
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Home Price Index
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2.4%
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2.0%
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2.4%
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2.8%
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4.8%
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Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
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2.94
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2.86
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2.63
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2.24
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6.72
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BANKING TRENDS
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General Information
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Institutions (#)
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248
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247
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254
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254
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258
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Total Assets (in millions)
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42,508
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40,726
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39,625
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39,625
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36,845
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New Institutions (# < 3 years)
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4
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2
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2
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2
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1
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Subchapter S Institutions
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91
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93
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83
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83
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85
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Asset Quality
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Past-Due and Nonaccrual Loans / Total Loans (median %)
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1.51
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1.48
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1.33
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1.33
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1.49
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ALLL/Total Loans (median %)
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1.42
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1.42
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1.44
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1.44
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1.47
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ALLL/Noncurrent Loans (median multiple)
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2.17
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2.04
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2.22
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2.22
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1.94
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Net Loan Losses / Total Loans (median %)
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0.01
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0.01
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0.02
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0.05
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0.05
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Capital / Earnings
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Tier 1 Leverage (median %)
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9.73
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9.84
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9.88
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9.88
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9.89
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Return on Assets (median %)
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0.89
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1.15
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0.86
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1.03
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1.08
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Pretax Return on Assets (median %)
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1.09
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1.45
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0.99
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1.32
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1.42
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Net Interest Margin (median %)
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3.92
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3.93
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4.03
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4.03
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4.14
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Yield on Earning Assets (median %)
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7.26
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7.32
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7.11
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6.88
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6.22
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Cost of Funding Earning Assets (median %)
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3.27
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3.33
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3.18
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2.83
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2.08
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Provisions to Avg. Assets (median %)
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0.00
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0.00
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0.02
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0.07
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0.07
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Noninterest Income to Avg. Assets (median %)
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0.54
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0.54
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0.55
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0.53
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0.53
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Overhead to Avg. Assets (median %)
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3.07
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2.71
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3.08
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2.86
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2.87
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Liquidity / Sensitivity
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Loans to Assets (median %)
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68.4
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70.3
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68.5
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68.5
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68.2
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Noncore Funding to Assets (median %)
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19.3
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20.5
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19.4
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19.4
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19.1
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Long-term Assets to Assets (median %, call filers)
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9.8
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9.6
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10.0
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10.0
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10.2
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Brokered Deposits (number of institutions)
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103
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104
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102
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102
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84
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Brokered Deposits to Assets (median % for those above)
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2.9
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3.3
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3.0
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3.0
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2.9
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Loan Concentrations (median % of Tier 1 Capital)
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Q4-07
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Q3-07
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Q4-06
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2006
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2005
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Commercial and Industrial
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86.2
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88.5
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85.9
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85.9
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82.9
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Commercial Real Estate
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61.3
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62.8
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58.2
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58.2
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61.1
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Construction & Development
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7.3
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8.7
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7.3
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7.3
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4.6
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Multifamily Residential Real Estate
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0.1
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0.2
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0.3
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0.3
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0.0
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Nonresidential Real Estate
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43.1
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42.9
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44.0
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44.0
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43.6
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Residential Real Estate
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64.3
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66.3
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69.2
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69.2
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67.0
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Consumer
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35.2
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34.3
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35.4
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35.4
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36.8
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Agriculture
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281.2
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284.3
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279.9
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279.9
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279.0
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BANKING PROFILE
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