Lincoln, NE · Charter 24417
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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 · Charter 24417
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.72% | 1.57% | 1.09% | 0.80% | -66 bps | |
| Return on Equity | n/a | n/a | 12.99% | 9.04% | 6.63% | n/a | |
| Net Interest Margin | 4.34% | 4.53% | 4.27% | 3.97% | 3.74% | -60 bps | |
| Efficiency Ratio | 58.76% | 57.28% | 58.51% | 68.16% | 69.51% | +1,074 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.91% | 19.87% | 21.77% | 22.81% | 18.16% | -475 bps | |
| Loan Growth (YoY) | -2.19% | 5.66% | 6.70% | 9.95% | -3.18% | -99 bps | |
| Share Growth (YoY) | 22.36% | 18.48% | 20.53% | 22.00% | 17.51% | -485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.34% | 0.75% | 1.50% | 1.81% | +114 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.53% | 0.54% | 0.67% | 0.83% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.08% | 12.10% | 12.04% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.08% | 12.10% | 12.04% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.22% | 84.40% | 79.35% | 77.17% | 66.09% | -1,412 bps | |
| Liquid Assets / Assets | 27.92% | 24.40% | 19.00% | 31.04% | 40.89% | +1,297 bps | |