Lincoln, NE · Cert 57331
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.49% | 0.41% | 0.47% | 0.17% | -0.98% | -0.46% | -0.29% | -75 bps | |
| Return on Equity | 2.89% | 3.46% | 2.95% | 3.43% | 1.41% | -9.40% | -4.40% | -2.82% | -625 bps | |
| Net Interest Margin | 3.57% | 4.07% | 3.72% | 3.70% | 3.77% | 3.77% | 3.30% | 3.12% | -57 bps | |
| Efficiency Ratio | 81.39% | 89.06% | 93.30% | 92.27% | 90.22% | 83.03% | 88.94% | 90.14% | -214 bps | |
| Non-Interest Burden | 2.10% | 3.10% | 3.16% | 3.04% | 2.93% | 2.38% | 2.48% | 2.43% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -52.59% | -31.67% | -9.43% | -5.44% | 43.64% | 26.68% | 23.48% | 32.63% | +3,806 bps | |
| Loan Growth (YoY) | -18.78% | -19.83% | -14.83% | -9.27% | -5.76% | 7.39% | 2.08% | 2.64% | +1,192 bps | |
| Deposit Growth (YoY) | -74.89% | -23.70% | 22.69% | -21.74% | -42.04% | -25.58% | 69.31% | 192.97% | +21,471 bps | |
| 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 | -0.13% | 0.19% | 0.09% | 0.06% | 1.70% | 9.96% | 4.97% | 3.10% | +305 bps | |
| Allowance / Loans | 4.42% | 5.01% | 4.72% | 4.47% | 3.82% | 2.41% | 2.59% | 2.66% | -181 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 | 17.75% | 19.60% | 18.21% | 17.51% | 16.11% | 16.81% | 16.43% | 15.25% | -225 bps | |
| Equity / Assets | 12.54% | 16.57% | 13.15% | 12.97% | 8.85% | 12.85% | 10.41% | 9.47% | -350 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 150.24% | 140.48% | 110.23% | 186.97% | 244% | 203% | 66.46% | 65.51% | -12,147 bps | |
| Liquid Assets / Assets | 2.31% | 1.79% | 1.24% | 1.26% | 0.66% | 0.86% | 0.99% | 1.45% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |