PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Neuberger Berman National Trust Company

Seattle, WA · Cert 57204

FDIC

Q1 2010

$41.8MAssets
n/aLoans
n/aDeposits
$40.0MEquity

Executive Summary

  • Earnings: ROA of -3.16%, down 883 bps year over year; NIM at 1.40%.

Return on Assets (quarter, annualized)

-3.16%-883 bps YoY

Net Interest Margin (quarter, annualized)

1.40%-18 bps YoY

Efficiency Ratio (quarter, annualized)

111.01%+3,009 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.73%Q1 ’081.58%Q1 ’091.40%Q1 ’10-42%-11%

Non-interest income vs. expense

37.58%Q1 ’0828.66%Q1 ’0956.41%Q1 ’10+89%+235%

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets26.58%-2.12%6.38%5.67%2.31%-2.08%0.10%-3.16%-883 bps
Return on Equity36.24%-2.65%7.50%6.57%2.62%-2.43%0.11%-3.42%-999 bps
Net Interest Margin3.01%3.09%1.49%1.58%1.80%1.22%1.05%1.40%-18 bps
Efficiency Ratio35.68%41.90%47.23%80.92%81.87%108.60%99.58%111.01%+3,009 bps
Non-Interest Burden-45.75%-10.94%-19.60%-5.18%-5.61%4.79%0.88%6.99%+1,217 bps
Growth
Asset Growth (YoY)14.90%5.90%0.70%-8.99%-10.99%5.68%-5.18%-7.59%+140 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 Capital155.07%239%103.60%126.72%164.95%179.49%162.38%135.74%+902 bps
Equity / Assets74.77%86.51%83.68%88.94%86.99%84.82%89.78%95.50%+656 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets61.51%79.02%23.30%36.49%69.00%74.07%81.03%73.15%+3,666 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a