Fremont, NE · Cert 34764
FDIC
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.82% | 1.30% | 3.90% | -1.58% | -5.32% | -350 bps | |
| Return on Equity | n/a | n/a | 4.12% | -1.68% | -5.67% | n/a | |
| Net Interest Margin | n/a | 1.42% | 1.20% | 1.10% | 0.80% | n/a | |
| Efficiency Ratio | n/a | 96.92% | 89.54% | 104.71% | 118.57% | n/a | |
| Non-Interest Burden | n/a | -0.75% | -5.12% | 3.69% | 11.14% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.91% | -0.44% | 4.16% | 6.16% | 3.22% | +413 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | 124.76% | 127.74% | 128.58% | 126.53% | n/a | |
| Equity / Assets | n/a | 95.36% | 93.69% | 94.59% | 93.21% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 2.02% | 1.96% | 1.99% | 1.99% | +199 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |