PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Bk of Com T&S Assn

Lincoln, NE · Cert 5429

FDIC

Q2 2000

$1.8BAssets
$846.1MLoans
$991.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.01%, down 152 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.34% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

-0.01%-152 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.55%1.46%1.60%1.51%1.50%1.42%1.32%-0.01%-152 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)7.75%4.41%5.56%12.58%10.55%9.36%6.37%24.52%+1,194 bps
Loan Growth (YoY)5.65%4.91%-4.21%4.03%3.72%5.68%12.25%10.98%+694 bps
Deposit Growth (YoY)6.02%4.48%-2.18%4.42%3.46%3.65%2.40%-6.47%-1,088 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
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/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits74.13%77.03%72.07%71.93%74.32%78.53%79.00%85.34%+1,342 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a