Nebraska City, NE · Cert 57042
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | -3.21% | -1.94% | -2.27% | -2.34% | -1.25% | -0.78% | +116 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -5.34% | -2.88% | -1.78% | n/a | |
| Net Interest Margin | n/a | 6.10% | 5.15% | 4.88% | 4.70% | 5.38% | 5.66% | 5.46% | +58 bps | |
| Efficiency Ratio | n/a | 100.00% | 105.71% | 106.49% | 111.00% | 143.86% | 122.31% | 121.51% | +1,502 bps | |
| Non-Interest Burden | n/a | 6.10% | 5.45% | 5.20% | 5.22% | 7.78% | 6.94% | 6.67% | +147 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% | 1.78% | 3.53% | 0.00% | 0.00% | 0.00% | -178 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 |