Lincoln, NE · Cert 18794
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lincoln, NE · Cert 18794
FDIC
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -3.79% | -4.62% | -0.66% | -0.81% | -2.02% | -1.47% | -5.74% | -507 bps | |
| Return on Equity | -10.99% | -56.86% | -68.78% | -9.82% | -12.01% | -30.93% | -23.23% | -116.93% | -10,711 bps | |
| Net Interest Margin | 2.98% | 3.06% | 3.17% | 3.00% | 3.06% | 3.24% | 3.16% | 3.66% | +66 bps | |
| Efficiency Ratio | 107.11% | 113.52% | 118.51% | 120.90% | 125.07% | 128.90% | 127.23% | 140.34% | +1,944 bps | |
| Non-Interest Burden | 3.26% | 3.61% | 3.90% | 3.76% | 3.99% | 4.38% | 4.19% | 5.19% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.98% | -12.92% | -12.23% | -8.22% | -7.20% | -1.24% | -1.67% | -7.17% | +105 bps | |
| Loan Growth (YoY) | -2.84% | -11.18% | -14.60% | -16.17% | -14.23% | -6.47% | -4.60% | -8.23% | +794 bps | |
| Deposit Growth (YoY) | -4.56% | -6.99% | -10.00% | -7.56% | -6.68% | -2.05% | -0.13% | -4.98% | +258 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.05% | 6.53% | 8.97% | 2.44% | 1.87% | 3.01% | 2.55% | 12.70% | +1,025 bps | |
| Allowance / Loans | 2.96% | 3.42% | 3.03% | 2.60% | 2.21% | 2.54% | 2.64% | 2.22% | -38 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.79% | 8.83% | 12.20% | 10.25% | 11.62% | 9.41% | 9.33% | 7.30% | -295 bps | |
| Equity / Assets | 7.32% | 4.96% | 6.95% | 6.52% | 6.87% | 5.76% | 5.57% | 4.23% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.68% | 73.40% | 67.12% | 61.58% | 70.48% | 70.08% | 64.11% | 59.48% | -211 bps | |
| Liquid Assets / Assets | 11.78% | 12.14% | 10.50% | 9.20% | 8.66% | 8.17% | 9.91% | 14.64% | +544 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |