Section 49-3-009 - PUBLIC NECESSITY OR NEED009.01 For purposes of this Rule, in determining whether an application would promote the public necessity or need, the Department will examine whether the applicant will promote the legitimate interests of the community as a whole.009.02 An applicant must demonstrate that it has a sound financial institution structure that is reasonably competitive, fully adequate for the needs of the community and operated on a profitable basis.009.03 In making these determinations, the Department will consider, among other things: 009.03A The size of the primary and secondary service area;009.03B The demographics of the primary service area;009.03C The agricultural, commercial, residential and industrial development of the primary and secondary service areas;009.03D The potential growth of the area;009.03E The number and size of any financial institutions already serving the proposed primary and secondary service areas; and the dates when they were established;009.03F The adequacy of the services being provided by the existing financial institutions compared to the needs of the residents and the services to be offered by the applicant. Services may include electronic banking; and009.03G The capability of existing financial institutions to handle potential development and growth of the area.49 Neb. Admin. Code, ch. 3, § 009