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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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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|
Total Nonfarm (share of trailing four quarter employment in parentheses)
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-1.0%
|
0.0%
|
1.7%
|
0.8%
|
1.7%
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Manufacturing (10%)
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-6.3%
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-1.5%
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1.9%
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0.2%
|
-0.1%
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Other (non-manufacturing) Goods-Producing (5%)
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-1.7%
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-3.2%
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1.7%
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-0.9%
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4.4%
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Private Service-Producing (67%)
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-1.0%
|
0.0%
|
2.0%
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0.9%
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2.2%
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Government (17%)
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2.4%
|
1.7%
|
0.2%
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0.9%
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0.2%
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Unemployment Rate (% of labor force)
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4.4%
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3.7%
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3.0%
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3.3%
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3.0%
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Other Indicators
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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Single-Family Home Permits
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-35.0%
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-24.7%
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-23.7%
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-24.2%
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-13.6%
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Multifamily Building Permits
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-68.8%
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-73.1%
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237.7%
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10.4%
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-27.6%
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Home Price Index
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0.0%
|
0.6%
|
1.7%
|
0.7%
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1.8%
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|
Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level)
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3.76
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3.53
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3.52
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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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Q1-09
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Q4-08
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Q1-08
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2008
|
2007
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Institutions (#)
|
240
|
242
|
245
|
242
|
248
|
|
Total Assets (in millions)
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48,531
|
48,502
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42,968
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48,502
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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
|
95
|
94
|
93
|
94
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91
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|
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Asset Quality
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Past-Due and Nonaccrual Loans / Total Loans (median %)
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2.61
|
2.00
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2.33
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2.00
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1.51
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ALLL/Total Loans (median %)
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1.43
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1.39
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1.46
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1.39
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1.43
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ALLL/Noncurrent Loans (median multiple)
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1.09
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1.46
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1.64
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1.46
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2.17
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Net Loan Losses / Total Loans (median %)
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0.00
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0.20
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0.00
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0.20
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0.05
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Capital / Earnings
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Tier 1 Leverage (median %)
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9.69
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9.56
|
9.62
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9.56
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9.73
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Return on Assets (median %)
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0.91
|
0.63
|
0.99
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0.89
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1.01
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Pretax Return on Assets (median %)
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1.14
|
0.69
|
1.28
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1.08
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1.26
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Net Interest Margin (median %)
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3.81
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3.95
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3.81
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3.90
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3.88
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Yield on Earning Assets (median %)
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5.79
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6.18
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6.82
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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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1.97
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2.27
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2.99
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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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0.08
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0.16
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0.00
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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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0.45
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0.50
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0.51
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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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2.72
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3.10
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2.73
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2.79
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2.83
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Liquidity / Sensitivity
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Loans to Assets (median %)
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66.3
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68.6
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66.9
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68.6
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68.4
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Noncore Funding to Assets (median %)
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20.0
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20.8
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18.7
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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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11.8
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11.3
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10.9
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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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104
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107
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105
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107
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103
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Brokered Deposits to Assets (median % for those above)
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3.5
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3.7
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2.2
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3.7
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2.9
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Loan Concentrations (median % of Tier 1 Capital)
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Q1-09
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Q4-08
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Q1-08
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2008
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2007
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Commercial and Industrial
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88.2
|
89.5
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89.7
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89.5
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86.2
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Commercial Real Estate
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64.0
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67.3
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63.2
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67.3
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64.4
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Construction & Development
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8.7
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7.7
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8.0
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7.7
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7.3
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Multifamily Residential Real Estate
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0.7
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0.8
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0.7
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0.8
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0.1
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Nonresidential Real Estate
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46.1
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46.0
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43.9
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46.0
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43.1
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Residential Real Estate
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75.2
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75.3
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64.0
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75.3
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64.3
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Consumer
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32.5
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33.0
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33.8
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33.0
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35.2
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Agriculture
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256.6
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272.6
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263.0
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272.6
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281.9
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BANKING PROFILE
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