Nebraska City, NE · Cert 57042
FDIC
Q3 2002
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 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -1.55% | -4.42% | 0.29% | -3.11% | -2.34% | -0.19% | 0.19%1 | -10 bps | |
| Return on Equity | n/a | n/a | -9.27% | 0.62% | -7.13% | -5.34% | -0.43% | 0.43% | -20 bps | |
| Net Interest Margin | n/a | 6.10% | 5.05% | 4.69% | 4.20% | 5.38% | 5.99% | 4.71% | +2 bps | |
| Efficiency Ratio | n/a | 100.00% | 111.54% | 108.16% | 126.09% | 143.86% | 103.13% | 119.61% | +1,144 bps | |
| Non-Interest Burden | n/a | 6.10% | 5.65% | 5.07% | 5.34% | 7.78% | 6.18% | 5.69% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 66.59% | 1.10% | 7.32% | -4.36% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 53.96% | -17.86% | -0.57% | -37.72% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 258% | -1.60% | -6.46% | -6.56% | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 0.00% | 0.00% | 5.35% | 9.15% | 0.00% | 0.00% | 0.00% | -535 bps | |
| Allowance / Loans | n/a | 1.01% | 2.27% | 1.01% | 0.94% | 1.04% | 0.89% | 1.63% | +61 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 61.95% | 61.69% | 63.18% | 57.86% | 71.94% | 63.57% | 88.83% | +2,565 bps | |
| Equity / Assets | n/a | 49.35% | 46.10% | 45.30% | 41.88% | 46.08% | 41.88% | 45.91% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 266% | 163.75% | 142.28% | 120.06% | 114.17% | 136.69% | 151.25% | 80.02% | -4,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |