Lincoln, NE · Charter 24417
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.92% | 4.96% | 5.30% | 1.46% | 1.72% | 1.57% | 1.09% | 0.80% | -66 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 12.99% | 9.04% | 6.63% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.34% | 4.53% | 4.27% | 3.97% | 3.74% | -60 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 58.76% | 57.28% | 58.51% | 68.16% | 69.51% | +1,074 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.49% | 9.72% | 11.66% | 22.91% | 19.87% | 21.77% | 22.81% | 18.16% | -475 bps | |
| Loan Growth (YoY) | 2.71% | 1.62% | -3.92% | -2.19% | 5.66% | 6.70% | 9.95% | -3.18% | -99 bps | |
| Share Growth (YoY) | -1.73% | 8.14% | 10.12% | 22.36% | 18.48% | 20.53% | 22.00% | 17.51% | -485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 1.32% | 0.92% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.70% | 0.51% | 0.40% | 0.53% | 0.54% | 0.67% | 0.83% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.08% | 12.10% | 12.04% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.08% | 12.10% | 12.04% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.64% | 89.64% | 85.63% | 80.22% | 84.40% | 79.35% | 77.17% | 66.09% | -1,412 bps | |
| Liquid Assets / Assets | 1.87% | 19.41% | 1.28% | 27.92% | 24.40% | 19.00% | 31.04% | 40.89% | +1,297 bps | |