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ยป VISIT US ONLINE @ DSNEWS.COM 85 Nebraska RANK: 49 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2014 1.57% 0.57% 3.6 YEAR AGO 1.52% 1.03% 4 YEAR-OVER-YEAR CHANGE 3.1% -44.2% -0.4 Top County MERRICK COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 2.07% 1.85% YEAR AGO 1.56% 2.16% YEAR-OVER-YEAR CHANGE 32.5% -14.3% Top Core-Based Statistical Area SCOTTSBLUFF, NE 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 1.04% 1.08% YEAR AGO 1.31% 1.34% YEAR-OVER-YEAR CHANGE -20.7% -19.6% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary April 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. North Dakota RANK: 45 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2014 0.56% 0.64% 2.6 YEAR AGO 0.53% 0.84% 3 YEAR-OVER-YEAR CHANGE 4.9% -23.2% -0.4 Top County TRAILL COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 0.89% 1.55% YEAR AGO 0.37% 1.56% YEAR-OVER-YEAR CHANGE 142.1% -0.7% Top Core-Based Statistical Area MINOT, ND 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 0.49% 0.77% YEAR AGO 0.72% 1.00% YEAR-OVER-YEAR CHANGE -32.1% -23.3% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary April 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Ohio RANK: 15 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2014 2.66% 2.26% 5.7 YEAR AGO 2.88% 3.40% 7.3 YEAR-OVER-YEAR CHANGE -7.4% -33.6% -1.6 Top County ASHTABULA COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 3.52% 4.47% YEAR AGO 3.28% 5.59% YEAR-OVER-YEAR CHANGE 7.2% -20.1% Top Core-Based Statistical Area ASHTABULA, OH 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 3.52% 4.47% YEAR AGO 3.28% 5.59% YEAR-OVER-YEAR CHANGE 7.2% -20.1% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary April 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. IN THE NEWS Ohio Bank Fails; 8th This Year Columbia Savings Bank of Cincinnati was closed by the Ohio Division of Financial Institutions, which appointed the FDIC as receiver. e FDIC entered into a purchase and assumption agreement with United Fi- delity Bank of Evansville, Indiana, to assume the failed bank's deposits. e sole branch of Columbia Savings Bank will reopen as a branch of United Fidelity during normal business hours. Depositors of Columbia Savings will automatically become depositors of United Fidelity Bank, and their deposits will continue to be FDIC-insured. e FDIC commented, "Customers of Columbia Savings Bank should continue to use their current branch until they receive notice from United Fidelity Bank, FSB, that systems conversions have been completed to allow full-service banking at all branches of United Fidelity Bank, FSB." As of March 31, Columbia Savings Bank had roughly $36.5 million in total assets and $29.5 million in total deposits. In addition to all of its deposits, United Fidelity Bank agreed to purchase all of the failed bank's assets. e FDIC estimated that the cost to the Deposit Insurance Fund (DIF) will be $3.5 million. Compared to other alternatives to resolve the bank's failure, United Fidelity Bank's acquisition was the least costly resolu- tion for the DIF. Columbia Savings Bank is the eighth FDIC-insured institution to fail this year, and the first in Ohio. e last bank to fail in the state was Bramble Savings Bank in Milford on September 17, 2010. South Dakota RANK: 43 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2014 0.90% 0.74% 3.8 YEAR AGO 0.81% 1.12% 3.9 YEAR-OVER-YEAR CHANGE 11.5% -34.1% -0.1 Top County MCCOOK COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 1.48% 4.73% YEAR AGO 1.72% 3.23% YEAR-OVER-YEAR CHANGE -14.0% 46.7% Top Core-Based Statistical Area RAPID CITY, SD 90+ Day Foreclosure Delinquency Rate Rate APRIL 2014 1.01% 0.94% YEAR AGO 0.91% 1.36% YEAR-OVER-YEAR CHANGE 11.1% -31.2% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2014 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary April 2014 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Change in foreclosure starts in South Dakota from May 2013, year-over-year Source: RealtyTrac's U.S. Foreclosure Market Report STAT INSIGHT 17.65%