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May 31, 2023

FDIC Releases Quarterly Banking Profile

The Federal Deposit Insurance Corporation (FDIC) Quarterly Banking Profile shows first-quarter net income grew 16.9% compared to the fourth quarter of 2022. However, when excluding the effects of the acquisition of two failed banks on the acquirers' incomes, the quarter-over-quarter net income would have remained relatively flat. Total deposits declined for the fourth consecutive quarter and at a faster rate than in prior quarters.

The growth in net income was driven by strong noninterest income, which includes the accounting treatment of the acquisition of the two failed institutions and the record-high trading revenue at large banks. Net interest income declined, and noninterest expenses increased, contributing to a more modest overall increase in net income.

First-quarter profits for Nebraska banks were 5.15% lower than during the same period in 2022 but remained steady from the previous quarter. Deposits were up 2.31% from the fourth quarter of last year.

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Nebraska Report

2024 Scenes of Nebraska Calendars Photos Selected

This year we received over 160 photo submissions for the 2024 Scenes of Nebraska calendar! Thank you to everyone who sent us photos for consideration. Congratulations to the photographers who were chosen for the 2024 calendar!

View the List

Ordering for next year's calendar is open. The calendars are $1.20 each, plus tax and shipping costs. Orders placed by Aug. 6 will ship by early Oct., and the final ordering deadline is Sept. 3. Visit the online ordering portal and log in or create an account to get started. If your bank ordered calendars last year, you should already have an account in the ordering portal. More information on the ordering process, including an instructional video, can be found here.

For questions or more information, contact Laurie Johnson at the NBA at or 402-474-1555.

Legislative, Policy & Regulatory Updates

Legislative Update

May 26, 2023

Stay up to date by subscribing to the NBA Legislative Update. Sent every Friday during the legislative session, the newsletter recaps the week in the Nebraska Unicameral and issues affecting the banking industry.


Federal Reserve Report Examines Bank Deposit Runs

A new report from the Federal Reserve Bank of St. Louis calls recent runs on bank deposits historically "extraordinarily fast and large." It points to the connected, concentrated nature of the depositors at the failed banks as a defining factor in the speed and size of the deposit runs. "The depositors at Silvergate, Signature and SVB were heavily concentrated in specific industries and connected to each other. As a result, these depositors were much more likely to behave in coordinated or similar ways," the report states.

Read the Report

Overdraft, NSF Revenues Decline

According to the Consumer Financial Protection Bureau (CFPB), overdraft and non-sufficient funds (NSF) fee revenue decreased by 48% between the fourth quarters of 2019 and 2022. The CFPB attributes this reduction to changes in bank policies related to overdraft and NSF fees. The CFPB also stated its intention to continue monitoring overdraft and NSF fees and is considering potential rulemaking activities related to these fees.

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Upcoming Events

To see the complete event schedule, visit the NBA Event Calendar.

Banks & Bankers

May 24 - 30

Email your news, press releases, photos and/or newspaper articles to be published in Banks & Bankers. Send content to

Review & Compliance Alliance

Review Alliance

Do you know what three prongs must be met for a practice to be Unfair?

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Compliance Alliance

Q: Can we waive the flood insurance on a real estate loan if the balance owed is only $1,000.00 or less?

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Deadline Extended for Financial Assistance for Ag Producers Affected by Disasters, Pandemic Revenue Losses

The USDA Farm Service Agency (FSA) has extended the deadline to July 14 for applications for two financial assistance programs designed to address revenue losses associated with natural disasters and the pandemic. The Emergency Program Phase 2 provides financial assistance to producers who suffered a loss in revenue on eligible crops due to a qualifying natural disaster event in calendar years 2020 and 2021, while the Pandemic Assistance Revenue Program provides financial assistance to producers of agricultural commodities who suffered at least a 15% loss in gross revenue in the calendar year 2020 due to the pandemic.

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