Lincoln, NE · Cert 18794
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.74% | -10.44% | -7.50% | -0.66% | -0.95% | -4.58% | 0.17% | -5.74% | -507 bps | |
| Return on Equity | -24.10% | -168.95% | -125.41% | -9.82% | -14.25% | -72.47% | 3.09% | -116.93% | -10,711 bps | |
| Net Interest Margin | 2.96% | 2.76% | 3.50% | 3.00% | 3.07% | 3.17% | 3.49% | 3.66% | +66 bps | |
| Efficiency Ratio | 114.65% | 128.99% | 135.06% | 120.90% | 129.21% | 136.84% | 122.63% | 140.34% | +1,944 bps | |
| Non-Interest Burden | 3.53% | 3.79% | 4.78% | 3.76% | 4.16% | 4.59% | 4.40% | 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 | 2.10% | 17.32% | 14.88% | 2.44% | 1.39% | 5.29% | 0.75% | 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 |