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Bank of Nebraska

La Vista, NE · Cert 21704

FDIC · 4 branches

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Nebraska

La Vista, NE · Cert 21704

FDIC · 4 branches

Q1 2017

$147.4MAssets
$122.4MLoans
$132.9MDeposits
$13.9MEquity
Loan mix
83%RE $90.0M17%C&I $18.0M1%Consumer $0.6MQ1 2016Q1 2017
Deposit mix
76%Interest-bearing $101.4M24%Noninterest $31.5MQ1 2016Q1 2017

NIM

4.05%Q1 ’154.01%Q1 ’164.00%Q1 ’17-1%+2%

Non-interest income vs. expense

4.66%Q1 ’153.92%Q1 ’163.75%Q1 ’17-13%+7%

Market Position · Omaha-Council Bluffs, NE-IA · 2016 SOD (annual) · 0.4% share · #21 of 73 inst. · $0.1B of $31.0B

5.4% Sarpy
0.1% Douglas

Executive Summary

  • Earnings: ROA of 1.03%, down 11 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 2.01% of loans (+201 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.37%, up 26 bps from a year ago.
  • Funding: loans stand at 92.10% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

1.03%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+8 bps YoY

Efficiency Ratio (YTD, annualized)

76.82%+71 bps YoY

Tier 1 Leverage Ratio

9.37%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.14%1.55%1.53%1.36%1.03%-11 bps
Return on Equity12.16%16.63%16.39%14.67%11.22%-94 bps
Net Interest Margin3.63%3.84%3.71%3.68%3.71%+8 bps
Efficiency Ratio76.10%72.06%72.21%74.36%76.82%+71 bps
Non-Interest Burden2.40%2.20%2.09%2.25%2.58%+18 bps
Growth
Asset Growth (YoY)6.93%7.18%1.36%7.51%3.38%-355 bps
Loan Growth (YoY)8.36%5.57%10.60%4.74%3.31%-505 bps
Deposit Growth (YoY)8.13%9.09%1.88%9.58%4.18%-394 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%2.01%+201 bps
Net Charge-Offs / Loans0.06%0.02%0.01%0.00%0.00%-6 bps
Allowance / Loans1.16%1.15%1.17%1.26%1.29%+13 bps
Allowance Coverage of NPLsn/an/an/an/a0.6xn/an/a
Capital
Tier 1 Leverage Ratio9.11%9.47%9.23%9.17%9.37%+26 bps
Total Risk-Based Capital11.61%11.86%11.53%11.74%11.86%+25 bps
Equity / Assets9.11%9.21%9.41%8.94%9.46%+34 bps
Liquidity & Funding
Loans / Deposits92.88%90.65%96.78%86.91%92.10%-78 bps
Liquid Assets / Assets14.33%15.65%11.16%11.51%11.96%-238 bps
CRE / Total Capitaln/an/an/an/an/an/an/a