Lincoln, NE · Charter 19286
Q2 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 2.90% | 2.90% | 2.49% | 2.88% | 2.78% | 3.45% | 2.20% | -29 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 3.49% | 7.18% | 11.68% | 4.07% | -0.30% | -380 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -18.77% | -21.45% | -14.09% | -5.25% | -20.49% | -172 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 7.44% | 6.05% | 11.55% | 2.11% | -1.88% | -932 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 1.16% | 1.19% | 0.92% | 0.81% | 0.19% | 0.55% | 0.17% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.89% | 0.89% | 1.02% | 0.88% | 0.90% | 1.05% | 1.19% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.55% | 82.03% | 77.82% | 71.14% | 67.07% | 63.18% | 72.21% | 57.65% | -1,349 bps | |
| Liquid Assets / Assets | 8.57% | 16.58% | 22.20% | 23.86% | 13.07% | 16.66% | 29.06% | 42.55% | +1,869 bps | |