PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nebraska Trust Company, National Association

Fremont, NE · Cert 34764

FDIC

Q4 2001

$5.0MAssets
n/aLoans
n/aDeposits
$4.7MEquity

Executive Summary

  • Earnings: ROA of -0.44%, up 138 bps year over year; NIM at 1.11%.

Return on Assets (YTD, annualized)

-0.44%+138 bps YoY

Net Interest Margin (YTD, annualized)

1.11%

Efficiency Ratio (YTD, annualized)

101.93%

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.42%Q1 ’011.23%Q3 ’011.13%Q4 ’01-15%-8%

Non-interest income vs. expense

68.19%Q1 ’0158.36%Q3 ’0160.82%Q4 ’01+9%+433%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-1.94%-3.85%-4.26%-1.82%1.30%2.61%1.20%-0.44%+138 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a1.42%1.28%1.20%1.11%n/a
Efficiency Ration/an/an/an/a96.92%93.44%96.87%101.93%n/a
Non-Interest Burdenn/an/an/an/a-0.75%-2.92%-0.68%2.27%n/a
Growth
Asset Growth (YoY)-0.32%1.09%0.28%-0.91%-0.44%4.16%6.16%3.22%+413 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a124.76%127.74%128.58%126.53%n/a
Equity / Assetsn/an/an/an/a95.36%93.69%94.59%93.21%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%2.02%1.96%1.99%1.99%+199 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a